vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my 7th 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 XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: FL

Complaint narrative:
This is my 7th 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 XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I'm still not sure when this account was opened, but somehow a savings account through Bank of America was opened in my name. I found out because BOA sent me a banking statement letter in the mail. Odd, I thought. I don't have a BOA account. I proceed to call and request my account be closed. You cant sir, you don't have access to that account. Excuse me? Its in my name. We cant verify that you're you. Its going to have to go through the security division first before we can do any thing.

This was almost a year ago. I've called dozens of times. Account services, Customer retention, Security division, etc. Its also really hard to just get ahold of a real person. How can a bank, of all places, allow an account to be freely opened in someone else 's name? I've called being nice and asking for them to close the account or transfer me around for hours so I can talk to the " right person '' who inevitably tells me that it'll have to go to review and they'll " get back to me. '' I've also tried being mean, making them put on their managers who are just as limp and indecisive as the peons. I've since had to put freezes on my credit accounts, making it hard for me to maneuver financially while I'm trying to remodel my home. Extra phone calls, mailing extra proof its me, spreading out even more of my personal information into the world.

This is not that big a deal when it comes to actual damage to ones life. However it is a big deal when we allow big business to walk over the people that put them there in the first place. I would like my account closed and to be rid of BOA forever. I sincerely hate their company and what they seem to stand for. I will never be a customer and would like to have NO further contact with this company. I would request a cease and desist however it would take longer to get that to comply than it would to write this letter. Thank you for taking the time to read this and appreciate any judication on the matter. 

Sincerely, XXXX 

P.S. This account that is in question has never had any money in it. There have never been any charges to me personally .... yet. And to my knowledge there has been zero account activity.

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 2023-02-20 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: CA

Complaint narrative:
Once again I review my credit report and the accounts I have disputed are still in my file. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof. Please verify and investigate these reporting accounts : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
I have multiple unknown hard inquiries on my credit report. However, I wasn't the one who put them there. I've been on the journey to build/establish credit. I was instructed not to apply for anything during the course of doing so. Somehow, someone has my information and was applying for accounts in my name.

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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I have multiple unknown hard inquiries on my credit report. However, I wasn't the one who put them there. I've been on the journey to build/establish credit. I was instructed not to apply for anything during the course of doing so. Somehow, someone has my information and was applying for accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: FL

Complaint narrative:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 non-monetary relief
Consumer complaint received 2023-02-20 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-02-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my follow-up endeavor to inform you that I am a victim of Identity Theft, The items I am challenging do not affiliate with or have a transaction with me. Please block the items that are erroneous in my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} The addresses stated above are not my home address, the accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete the items at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: TX

Complaint narrative:
XXXX XXXX XXXX began calling me on XX/XX/XXXX demanding that I pay a debt that has already been resolved as not mine by 2 previous collectors. Now they purchased it and are using aggressive tactics to collect.

I have recordings of the following calls : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX & XXXX XXXX I have never been to " XXXX XXXX '' and on the day in question XX/XX/XXXX I was XXXX in the XXXX XXXX XXXX. 
In XXXX XXXX XXXX XXXX XXXX tried to collect this debt. I explained the same to them and never heard from them again. 
In XXXXXXXX XXXX XXXX this debt appeared on my credit report. I was buying a car at the time and it cause me to pay an extra 2 % interest on the loan. I contacted the reporter who was NOT this company and they immediately removed it from my credit report. 
Now this company is trying to collect the same debt. This is not my debt and there is no possible way that I could have incurred this debt. 
I very clearly disputed the debt on the phone with their collector and I have recordings of the calls. Nevertheless they have placed this collection on my credit report as of XX/XX/XXXX as a {$1300.00} collection. 
They called more than the times listed above those are the only ones I was able to record. 
I requested they send me proof of the debt and they have failed to do so. They sent me a one page letter only showing : Original Creditor : PENDRICK CAPITAL PARTNERS, XXXX Current Creditor. 
XXXX XXXXXXXX XXXX XXXX On the back is says again XXXX XXXXXXXX XXXX XXXX gives a date on XX/XX/XXXX ( still I was in the jail ) but no proof that I signed for this account or agreed to pay any amount. 

The failure to provide original proof of the debt is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: FL

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 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 2023-02-20 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 follow-up endeavor to inform you that I am a victim of Identity Theft, The items I am challenging do not affiliate with or have a transaction with me. Please block the items that are erroneous in my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} The addresses stated above are not my home address, the accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete the items at once.

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 2023-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
Credit Management Company began calling me on XX/XX/XXXX demanding that I pay a debt that has already been resolved as not mine by 2 previous collectors. Now they purchased it and are using aggressive tactics to collect. I have recordings of the following calls : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX & XXXX XXXX I have never been to " XXXX XXXX '' and on the day in question XX/XX/XXXX I was XXXX in the XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX XXXX tried to collect this debt. I explained the same to them and never heard from them again. In XXXXXXXX XXXX XXXXXXXX this debt appeared on my credit report. I was buying a car at the time and it cause me to pay an extra 2 % interest on the loan. I contacted the reporter who was NOT this company and they immediately removed it from my credit report. Now this company is trying to collect the same debt. This is not my debt and there is no possible way that I could have incurred this debt. I very clearly disputed the debt on the phone with their collector and I have recordings of the calls. Nevertheless they have placed this collection on my credit report as of XX/XX/XXXX as a {$1300.00} collection. They called more than the times listed above those are the only ones I was able to record. I requested they send me proof of the debt and they have failed to do so. They sent me a one page letter only showing : Original Creditor : XXXX XXXX XXXX XXXX Current Creditor. XXXX XXXXXXXX XXXX XXXX  On the back is says again XXXX XXXX XXXX XXXX gives a date on XX/XX/XXXX ( still I was in the jail ) but no proof that I signed for this account or agreed to pay any amount. The failure to provide original proof of the debt is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
For XX/XX/2022, we had a hotel booked in FL for the family using the credit card with the bank. 

When we landed up at the hotel at around XXXXXXXX XXXX the room that was given to us was full of bed bugs and roaches and spider webs. We immediately complained to the front desk and informed them of the situation and they said pest control will fix it the next morning and the hole family was too tired as we were visiting FL from CA after a very long journey and we had small kids too. 

Next day morning, we went for vacationing leaving the stuff behind in the room and when we came back, the pest control was still not done and we requested for a new room which was given to us but again, the same issue was there at which point the next morning we decided to immediately check-out and leave for another hotel. We did filed a complaint against the hotel and the state health inspector confirmed our findings the next day. we sent lot of emails to the hotel manager but no response was given. 

Finally, we contacted Chase Bank to raise a dispute on XX/XX/2022. Chase bank had an option to open the dispute which was " I am dis-satisifed with the services given to me '' and I selected that option and was told to contact customer care which I did on the same day and I had an argument with the customer rep as she was adamant that I used the service and hence no disputes and no credit. 

i kept on telling her how will I prove my dis-satisfaction if i will not use the services but she kept on saying that I used the service and hence no disputes. The bank 's option to open a dispute using the option " I am dis-satisifed with the services '' is mis-leading as customer care rep do not allow us to raise a dispute using this option at all and keep on insisting that since we used the services, bank will not help. 

After a lot of argument, the bank opened u pa dispute against the hotel and asked me to submit the pics which I sent and explained them thrice over the call what happened and how my family suffered but to no effect. The bank still considered it as a billing error and closed the complaint in merchant 's favor citing no billing issues. 


Question : - a ) How should I explain the bank that I never said it was a billing error and I always kept on saying that the services that were given to me were not upto the mark and not expected. 
b ) How am I expected to know before hand that the hotel was ok to stay without actually visiting and staying there and later on, when I suffered, neither the hotel, nor the bank helped. 
c ) Why the bank is displaying the option of dispute as " I am not satisfied with the services '' when they dont even take into account the word " satisfaction '' and just considers whether the services were offered or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Someone has sent in fraudulent applications for credit using my name on loans and some credit card. This is very scary knowing things are being processed in my name with my knowledge. These are the following companies that ran my profile. XXXX XXXX XXXX XXXXXXXX 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 These inquires were not made by me XXXX! And I have not given any autorization for anyone to do so. As of today I will be contacting the three major credit companies to place a lock on my credit file. Someone has placed fraudulent activity on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts that are unverifiable in my credit file. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

Here are the aforementioned accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260000.00}

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