vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-30 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: Westlake Services, LLC
State: AZ

Complaint narrative:
my credit report was obtained from the following companies without my authorization and is causing extreme damage to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: AZ

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the Equifax and XXXX..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Credit services, closed my account with no objective reason. I have not had a late payment with them. Always followed all the rules. Ive been a Chase customer for more than 5 years. I received a letter stating that they are closing ALL my account with fictitious reason ( to many other accounts with different institutions opened ) I dont think Chase can discriminate in such a way agains customers using other services except their banking services. Ive written to their execute office multiple times and did several calls. The so called executive sovereign department is like a unreachable institution for the regular chase customer. They take your request through a phone service and then you wait and wait for their blessing. Ive offered to send bank statements and other docs to prove that Im a good payee etc.. But to no avail. I request ALL my accounts to be immediately reopened and alll likens of credit restored.

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: AZ

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the XXXX and Experian..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

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 2018-10-30 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: AZ

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

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 2018-10-30 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: AZ

Complaint narrative:
Im a victim of identity theft. Someone stole my drivers license, social security card, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Visa credit card : XXXX, and my XXXX Visa credit card : XXXX from my mailbox, the United States Postal Service mail. I never received my drivers license, social security card, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Visa credit card or my XXXX  Visa credit card in the mail. Someone stole all of my mail. There are fraudulent and unauthorized charges on both credit card accounts. My entire credit limit of {$2500.00} and {$2900.00} was used in a fraudulent and unauthorized manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-30 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: AZ

Complaint narrative:
Im a victim of identity theft. Someone stole my drivers license, social security card, XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card : XXXX, and my XXXX XXXX credit card : XXXX from my mailbox, the United States Postal Service mail. I never received my drivers license, social security card, XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card or my XXXX XXXX  credit card in the mail. Someone stole all of my mail. There are fraudulent and unauthorized charges on both credit card accounts. My entire credit limit of {$2500.00} and {$2900.00} was used in a fraudulent and unauthorized manner.

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 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have disputed the late payments on XXXX XXXX account for months. XXXX  and Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-30 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: GA

Complaint narrative:
am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im trying to buy a house

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been a member of Chase Bank since XXXX without any issues. I started noticing about XXXX of XXXX, my checking, savings and credit card accounts were incorrect. First problem that I reported was a prepaid Chase XXXX card was also on my account.I called Chase and they indicated there was not any transactions. I changed my online password and debit card pin. I noticed fraud on my account again. Credit card and bank account were both charging me for a transaction that I would use on my debit card. I reported it. I closed down my accounts and gave the cards to the VP at the branch. I disputed the charges first on my debit and the fraudulent credit card accounts with their fraud department. I spoke with Chase bank last week and they just now located a XXXX payment that never got applied in XXXX of XXXX plus other payments that I made until XXXX. They indicated I was responsible for the charges on both credit cards which were the same amount and transaction since I made a XXXX payment in XXXX, which I did not. I had already reported the fraud and was only using cash. Chase bank also indicated that they have no record of me speaking with their fraud department which I have letters from that department on the credit card issues and the debit card account plus my savings account. They asked me to send the paperwork but I received the bank statements from them and they can call the chip program to see all the charges. They also told me I couldn't get another credit card and come to find out they reissued another card which I don't have with the same charges. While doing more research I noticed my credit card was hooked up to an XXXX XXXX card which I do not have nor have I ever owed an XXXX XXXX card. I have a retirement accounts there which I was never told about. I am now in the process of researching them to see if any of my retirement accounts have been cashed without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Debts is being in my credit report since 2013 and original amount is not {$1100.00} they being increasing amount and trying to collect amount not owned and not willing to negotiate. They Often reported it to credit bureaus and make vey hard to get qualified for new credit opportunities and rebuild my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: GA

Complaint narrative:
am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im trying to buy a house

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 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: AZ

Complaint narrative:
My XXXX/XXXX Visa  Credit Card Account : XXXX, and my XXXX XXXX XXXX   XXXX Mastercard Credit Card Account : XXXX is lost/stolen. Theres fraudulent and unauthorized charges/transactions on the accounts thats not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX accounts for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: AZ

Complaint narrative:
My XXXX/XXXX Visa Credit Card Account : XXXX, and my XXXX XXXX XXXX   XXXX   Mastercard Credit Card Account : XXXX is lost/stolen. Theres fraudulent and unauthorized charges/transactions on the accounts thats not mine.

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 2018-10-30 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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accountsXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

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 2018-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
CFPB, please know that this is not a duplicate ; this is a complaint about the documents that were just sent to me in a previous complaint. The complaint number is in the next section. Whoever handled my last complaint referred to me by another person 's name and actually gave me THAT person 's promissory note! Under NO circumstance should I be addressed as ANOTHER CONSUMER and be SENT ANOTHER CONSUMER 'S SENSITIVE DOCUMENTS. I have the document they sent me to prove it ( attached to this complaint ) -- titled under the person 's name, addressed in the letter under the other person 's name, and containing THEIR promissory note! I have repeatedly provided MY social security number, MY account info, and MY birth date in order to prove MY identity. Whoever did my complaint chose to give me someone else 's identity. NEXT, I GUESS I'LL BE TOLD THAT IS LEGAL TOO. The person handling the previous complaint stated that they 'are not required to give original documentation with my " wet '' signature ' -- putting quotation marks around " wet '', as if they do not understand what that means. Well, guess what, JPM Chase? WHAT YOU JUST DID IS WHY WE AS CONSUMERS REQUEST ORIGINAL >>> SIGNED <<< DOCUMENTATION, and you are INDEED supposed to give consumers WHAT WE REQUEST, as it is our RIGHT to do so. Under the grounds that JPM Chase can not get their facts straight about who they are addressing, and are CLEARLY blending my personal information and the bureau-reported JPM Chase account with another consumer 's, I DEMAND that the JPM Chase account listed in the next section be DELETED IMMEDIATELY. I will also be informing the bureaus of this extreme inaccuracy and violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accountsXXXX XXXX****, XXXX XXXX   XXXX****, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX***, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, and XXXX XXXX XXXX**** have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

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 2018-10-30 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: NV

Complaint narrative:
I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall ever authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. This is the third time that I tried to resolve this issue with your staff and management team.

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 2018-10-30 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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX****, XXXX XXXX   XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE

Company response to consumer: Closed with explanation