vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
On XX/XX/XXXX I received a Chase Freedom Unlimited card in the mail. It was forwarded from my old address since I moved in XX/XX/XXXX which caused a delay in my receiving it. I also received a letter from them dated XX/XX/XXXX stating that I needed to call prior to XX/XX/XXXX to cancel the balance transfer of {$13000.00}. Due to the delay this date was already passed. I immediately called and reported this as a fraudulent account as I hadn't requested this card or the balance transfer. Chase stated they would look into it. I heard nothing from them until XX/XX/XXXX when they sent a letter stating they looked into it and they believe it is my account. I called again and told them it was fraudulent and asked them to look into it again. I also filed an identity theft report with the FTC and a police report at the same time. Chase stated that the balance transfer went to my Bank XXXX XXXX card. I have a Bank XXXX XXXX card, but it is not the same as the one the balance transfer went to. I sent a letter to Chase on XX/XX/XXXX requesting this account be closed and removed from my credit report. I filed a dispute with XXXX on XX/XX/XXXX. I received another letter from Chase on XX/XX/XXXX stating they still believed it was a valid account. I called them again to say it was still a fraudulent account. Their fraud division called me on XX/XX/XXXX and asked for my XXXX XXXX XXXX statements to prove I hadn't received the balance transfer on my card. I emailed my XXXX XXXX XXXX statements to them showing that no balance transfer had gone to my card. The amount transferred was higher than the limit on my card and significantly higher than any amount I have ever owed on that card. I also included a copy of my credit report showing that I do not have any other Bank XXXX XXXX accounts. This should be everything they need to show I didn't start this account or receive the balance transfer that the account was used for. On XX/XX/XXXX I was emailed from XXXX showing that they had removed the Chase account from my credit report because they found it to be a fraudulent account. I also received a letter from Chase stating that they still believe I am responsible for this account despite me sending proof that I am not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
15 U.S. Code $ 1681c- 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days in counting and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 


These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of accounts listed IMMEDIATELY! 

LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$600.00} XXXX XX/XX/2022

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 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received a notice of an attempt to collect a debt from Jefferson Capital Systems LLC which is dated XX/XX/XXXX, it references that I had a XXXX XXXX  account from XXXX XXXX XXXX  and XXXX XXXX and that as of XX/XX/XXXX I owe {$840.00} but also this is the total amount of the debt. The letter states I can contact Jefferson Capital by calling or writing to them by XX/XX/XXXX to dispute all or part of the debt and in doing so they must stop collection on any amount I dispute until they send me information that shows I owe the debt. My concern as of today 's date which is XX/XX/XXXX is that upon checking my credit report with XXXX Jefferson Capital has posted this collection with XXXX and maybe the other agencies as well. The derogatory information was reported to XXXX on XX/XX/XXXX and today my credit score has dropped. 

I find this to be highly unethical on their part since they have not given me the time indicated in their notice to respond whether by writing or calling them. It is my request that they immediately remove this negative information from all XXXX credit agencies asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed into selling my home and wasnt even fully paid for for the house now Im homeless with no where to go And I have been trying to contact someone about this manner for Some time now please contact me at your earliest convience concerning this matter And the transfer of My Estate without full knowledge of what I Was partaking in there is a huge language barrier please call me At your earliest convenience XXXX

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Southwest Recovery Services, Inc.
State: IL

Complaint narrative:
XXXX, XXXX and XXXX are falsely reporting a collection on my credit report from southwest recovery services. Southwest recovery. services don't have a license to collect in illinois which is illegal to reach out to me and illegal to contact me and illegal to attempt to collect from me. Southwest recovery services, XXXX, and XXXX need to. be sued and shut down by attorney genreral.

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 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was given an offer while logged into my American Express account online to receive XXXX Membership Rewards Points for opening a American Express XXXX XXXX XXXX after meeting terms and then also XXXX Membership Rewards Points for opening a Business ' Checking account through American express after meeting the terms and conditions of offer. In addition, there was a bundle bonus offer for XXXX more Membership Rewards Points for opening the credit and checking account at same time. I received the XXXX and XXXX points for the credit card and checking account but did not receive the XXXX bonus offer. I have called several times to American Express and been given different/incorrect information. A complaint was filed on my behalf on XX/XX/23 and was told that I would receive update in writing withing 6-8 weeks. I did not receive anything and called today after the 8 week mark to be told that case was closed and nothing would be sent in writing. I was told by a supervisor that the reason why I was denied is that a pop-up advertisement while signed into my unique log-in on americanexpressXXXX  does not qualify as a " solicitation '' of said offer. I am seeking your assistance as I am sure that the commission will agree that this indeed was a solicitation and will help in my pursuit to get the XXXX membership reward pints that are due to me. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
These items are not transactions conducted by me as a consumer. 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. Account name : XXXX # XXXX Account name : XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Any 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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Toward the end of XX/XX/2023 I wrote a letter to FRANKLIN SERVICE , INC ( a debt collector moving forward ) indicating that I have experienced hardship relating to my employment and expressed the low balance I have in reserve. I became aware of the debt collectors communication attempts because I pulled my credit report from the big 3 reporting agencies. The debt collector was indirectly communicating with me and has injured my reputation and ability to qualify for a mortgage and other credit extensions for personal family and household purposes. I have rights under the FDCPA and they are being violated. Specifically the section that talks about communication in connection with a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my FURTHER request that I dispute particular records on my credit file that do not belong to me, that I have signed any agreement, or that I have been the victim of identity theft and that no one appears to care. The data I'm disputing has nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. The following INCORRECT ADDRESSES should be removed. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I appreciate your assistance in removing some of the fraudulently obtained information from my credit report, however there is still information that has been forwarded to me that has to be deleted or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My lawyer is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
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 XXXX XXXX

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. Listed are the accounts that have negatively affected my credit with improper reporting. 
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 Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

! 5 U.S.C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation