vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
M soon to be ex-wife left me a couple of months ago. Just recently I started getting debt collection notices in the mail. She had apparently been taking credit cards and loans in my name for the last couple of years. She fraudulently has me in debt for over {$30000.00}. I have had to freeze my credit and dispute the items showing up on my credit report. I tried filing an identity theft report with the local police department, but since we are still legally married they wouldn't let me fill out a report. The local prosecuting attorney 's office did the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Cards opened in my name fraudulently. Not my cards request they be closed and removed from my credit report. Use of my credit card that was unauthorized and maxed out my card. Online purchases from my checking account not made by me. My identity has been stolen and fraudulent activity is happening using my social security number and name and date of birth.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
Dont know when this got on my credit report but I will like some one take a look or invest what some did this to me when Im XXXX period kept get me denied a lot of stuff and every time try applying I have come in identifying my self and I dont have time for this when just XXXX XXXX this just wrong plus gone threw some stole my identity and Im lost again I dont have my phone so lost all my information was in my phone. This not rite at all that someone do this to person who have XXXX and Im not able to find out what gone on with my account until my sister help me login and see what on my consumer report something Im not aware so need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TIDEWATER FINANCE COMPANY, INC.
State: TX

Complaint narrative:
I've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Buckles & Buckles, P.L.C.
State: MI

Complaint narrative:
I owe credit debt. I had to stop paying due to personal health issues. I had nine operations or procedures before I dropped paying. XXXX was a catalyst. After rent my income to live on is XXXX a year. 

So now XXXX XXXX is suing me for XXXX dollars. I received a letter in the mail on the XXXX th of XXXX this was the first I heard of the law suit by Buckles and Buckles, P.L.C. who is representing XXXX XXXX. These people are who sent the process service from XXXX XXXX XXXX. They claim they already informed me but I cant remember them doing so. 

My complaint is about another choice on the paper is to post on the persons door. On the XXXX I was in my apartment. However the process server did NOT buzz my apartment. He instead taped the summons to the glass door in the foyer entrance to the lobby. He did not post it on the door of apartment XXXX. And he could have gotten in. To rub salt in a wound he purposely posted it at a time he assured maximum exposure by posting it between XXXX and XXXX XXXX on a Saturday. The lobby was busy there were several people outside.Ssomeone came to my door to tell me everyone is reading it. Although she did not know how long it had been there. It was XXXX when I went down and people were telling me he didnt try my buzzer he just came in and Oates it. People had try to pull sheets out to read more than the front page I guess. He might as well went around with a megaphone. People were averting their gazes, asking me if I was ok and one person said it was probably about something stupid. Those that know now continue to treat me like Im ill. These are my friends. My community my social family. Now Im carrying an elephant with me. NO ONE HERE KNEW ABOUT MY PERSONAL FINANCE SITUATION, Now I dont know who knows. My friends, strangers and frenimies. I am an active member of my community but have not left my apartment since this public humiliation. I considered XXXX. Im not sure if this will affect the apartment mangers view of me and my ability to pay rent. They have impinged on my personal life and relationships to the point where I dont even know what to say to people. This is so wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX ran my credit when there was no need to, bank representative ran my credit which in fact has ruined my credit because of inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I need removed due my credit literacy I didn't know this would hurt my credit, and that it has done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX ran my credit when there was no need to, bank representative ran my credit which in fact has ruined my credit because of inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I need removed due my credit literacy I didn't know this would hurt my credit, and that it has done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Arivo Acceptance, LLC
State: TX

Complaint narrative:
I've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
My wife left me a couple of months ago, and I recently started getting notices from debt collection agencies. She had apparently taken loans and credit cards out in my name, and has me around {$30000.00} in debt. I have frozen my credit and filed fraud complaints with the 3 major credit bureaus. I tried to file a police report and report it to the local prosecuting attorney, but since we are still legally married they wouldn't let me fill out a complaint for the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
on XX/XX/XXXX  i sent in a request to credit acceptance explaining to them that i wasnt late. and didnt understand why it showing up that im late and i need the correct information to be reported on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
I contacted my bank to find out why a cancelled transaction of {$28.00} from a retailer had not been re-applied to my checking account. The agent to which I spoke told me my bank had not yet received the refund. When I then contacted the retailer, I discovered from them that they had immediately sent the refund authorization to the bank, and that the bank was holding the refund from my account, while often not admitting that fact to the account holder. 
Upon recontacting the bank I let them know what the retailer revealed and thereby forced them to admit their 'customer service ' had lied about not receiving the refund. 
However, the bank representative held firm on holding up my refund for up to 7 days before returning it to my account. 
Why are banks allowed to hold up funds owed to me and also allowed to lie about that fact?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: IN

Complaint narrative:
My wife left me a couple of months ago. Just recently I started getting notices from debt collection agencies over fraudulent debt that she took out in name over the last couple of years. She currently has me around {$30000.00} in debt. I have frozen my credit and tried to file a police report for identity theft, and contacted the prosecuting attorneys office, but they both told me that since we are still legally married that I can't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
My wife left me a couple of months ago. I recently started getting notices from debt collection agencies for debt that I didn't create. Apparently my wife decided to take out credit cards and loans out in my name. She has me {$30000.00} in debt and my credit is suffering. I froze my credit, filed complaints with the 3 major credit agencies, contacted the local police and prosecuting attorney 's office about the identity theft, but they refused to let me report it because we are still legally married.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial
State: PA

Complaint narrative:
It was another costumer with the same name as me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE AMERICAN EXPRESS, ACCOUNT XXXX XXXX XXXX Dear sir, I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account XXXX. XXXX titled as AMERICAN EXPRESS. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that AMERICAN EXPRESS has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete in order to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter. 

Please see attached complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
I've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I got a loan with XXXX XXXX in Georgia. I have been paying on this loan and it seems to never go down at all I refinanced it but I have paid way too much money and they still told me my balance is {$3500.00} I know I be late like 12 days or so but never months behind every time I pay they tell me it will go down but when I ask the price again when I speak with them they still say the same as it started my payoff balance. They are just taking my money I will never pay it off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
About a month ago I fell for a usps scam about reshipping a package, a few days later I notice multiple charges that totaled up to {$150.00} on my account. I immediately locked my card and called chase to dispute these charges and the informed me someone stole my card info and used it to create a XXXX XXXX  account. They promptly refunded the charges and I assumed it was clearly fraudulent charges so everything would be dealt with. I was wrong. 
Today I noticed that the refund was reversed and immediately called my bank just to be told the charges didnt ping any red flags while investigating so my claim was denied? Not only is frustrating because Ive had my account for years and this is the first time Ive had a issue like this but Ive also opened a credit card with chase and if this is how they treat identity fraud I dont feel safe banking with them at all and I would recommend anyone opening a new account not too as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dated : XX/XX/2023 JPMorgan Chase & Co . 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, New York, XXXX REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE JPMCB CARD, ACCOUNT NO. XXXX. 

Dear sir, I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account No. XXXX titled as JPMCB CARD SERVICES. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that JPMORGAN Chase & CO has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete in order to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter. 


Thank you for your attention to this matter. I look forward to receiving confirmation of the successful removal of my status as an authorized user of the aforementioned Credit Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Cards opened in my name fraudulently. Not my cards request they be closed and removed from my credit report. Use of my credit card that was unauthorized and maxed out my card. Online purchases from my checking account not made by me. My identity has been stolen and fraudulent activity is happening using my social security number and name and date of birth.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation