vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The JPMCB Card account # XXXX that was opened XX/XX/2018 was removed from my credit report across all three bureaus respectively XXXX, XXXX, and XXXX. However, it returned back onto my XXXX and XXXX reports even after I reported it as Identity theft and won disputes across all 3 bureaus. I have an FTC report submitted with Case # XXXX. This account doesn't belong to me and I have no knowledge of this account # XXXX that is being reflected on my report. Now, I am in the process of going for an apartment and due to this it is negatively affecting my credit to where I can not go for an apartment as it kilt my credit. I need this inaccurate, unverifiable information and account that doesn't belong to me off my report for good and for Chase and the bureaus to stop trying to sabotage me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I sent in a personal update letter to Experian. According to Fair Credit Reporting Act 15 USC 1681b -Permissible purpose of consumer reports that states, IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I gave them written instruction to update my personal information and they put a fraud alert on my report after receiving my letter. I DID NOT GIVE THEM WRITTEN AUTHORIZATION to put a fraud alert on my consumer report.

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 2022-01-18 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Thursday XX/XX/XXXX I received a text message from Chase stating Chase Fraud : We declined {$360.00} with card ending XXXX at XXXX XXXX. Was this you? Reply YES or NO. If yes, you will not be charged unless you try again. If no, we will close your current card and send you a new one. I replied NO and received a follow up text that my card would be closed and Ill receive a new one in the mail but instead someone was able to make additional purchases. I called immediately after my shift at work. I received a credit pending their investigation. On Monday XX/XX/XXXX I received an email to review account documents which informed me that I am responsible for all charges ( except for a {$1.00} purchase ) because Signature on this transaction matches signature on file which is impossible because I was working during the times of the transactions. I cant be in two places at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
XXXX XXXX XXXX Opened XXXX Bay Area Receivables Opened XXXX Because these debts are illegal. resulting from criminal identity theft reported to law enforcement via the XXXX Police Department police report # XXXX ; in violation of 15 US Code 1692 ( e ) ( f ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian and XXXX keep adding back a delinquent JPMCB Card account to my Credit report when this account does not belong to me and is a result of identity theft. The JPMCB Card Account # XXXX that was opened XX/XX/2018 does not belong to me and I have submitted an FTC report to both bureaus which the # for this case is # XXXX. I am trying to go for an apartment and this delinquent account that I have no knowledge of and does not belong to me is ruining my credit I need this fixed ASAP! I have already had it removed multiple times and dealt with Experian and XXXX it isn't on my XXXX or reappearing on my equifax. It's these two bureaus that are breaking FCRA laws allowing for inaccurate and vile bad data information furnish to my credit report!

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 2022-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I Had an account with Bank of America in XXXX XXXX New Jersey I am also a resident here I lost my wallet in the Casino and shortly afterwards my account was in the negative I filed a police report and asked if Bank of America can see if it was fraudulent. They confirmed that it was however the debt is still on my credit and attached to my social I would like for this to be removed from my social and 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 explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
The account reporting on my credit report has been illegally re-aged. I have never entered into any kind of agreement with this collection agency. They insist on furnishing information that is inaccurate, illegally reaged. They do not respond when contacted. they only verify the account as accurate with the credit bureaus. They are in violation of the XXXX XXXX Code as third party debt collector. I have confirmed they do not have a surety bond on file according to the secretary of state according to the address listed on my credit report. However, they continue to report this alleged debt on my credit report.

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 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX and Transunion keep adding back a delinquent XXXX XXXX account to my Credit report when this account does not belong to me and is a result of identity theft. The XXXX XXXX Account # XXXX that was opened XX/XX/2018 does not belong to me and I have submitted an FTC report to both bureaus which the # for this case is # XXXX. I am trying to go for an apartment and this delinquent account that I have no knowledge of and does not belong to me is ruining my credit I need this fixed ASAP! I have already had it removed multiple times and dealt with XXXX and Transunion it isn't on my XXXX or reappearing on my equifax. It's these two bureaus that are breaking FCRA laws allowing for inaccurate and vile bad data information furnish to my credit report!

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 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XX/XX/2021, I have notified Equifax that they are reporting inaccurate information regarding an alleged bankruptcy and they still have not provided the information to show that they are reporting complete and accurate information : XXXX XXXX XXXX XXXX FLORIDA | DOCKET # XXXX | Date Filed : XXXX XXXX XXXX XXXX XXXX  | Status : Discharged Your cooperation in this matter will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am exercising my legal right under the Fair Credit Reporting Act, Section 609, requesting for XXXX and Equifax to verify their method of investigation regarding the following accounts listed on my credit report : XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX XXXX XXXX  # XXXX. As to section 609, under the Fair Credit Reporting Act, I am entitled to see the source of the information, method of verification, which is the original application and documentation that contains and show my signature. I want the original application and documentation with my signature, sent to me by Equifax and XXXX showing proof that the XXXX XXXX accounts and XXXX XXXXXXXX XXXX account was applied for by me and show my signature on all original applications and documentation. If Equifax or XXXX is unable to send me the original application and documentation which contains my signature as proof the accounts are my accounts, and their method of verification of the XXXX XXXX and XXXX XXXXXXXX XXXX accounts listed on my credit report, the XXXX XXXX and XXXX XXXXXXXX XXXX  accounts should be immediately deleted and removed from my credit report within 30 days by Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I did not authorize Progressive Management System to access my medical records I never signed a hippa form. They violated my hippa rights. remove this immediately from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX My Son and I share the exact name and the exact address about 99 % of the time. XXXX has failed to separate my credit file from mines. I have been declined and had to provide copies of my driver 's license to prove my identify. Some medical bills belonging to my son, a few years ago appeared on my credit file. I sent numerous disputes to XXXX to remove the inaccurate information. I provided Copies of my Birth Certificate, numerous explanations that we are two different people with the same name and different DOB and SSN. Each time I dispute the information, they just send some stupid " Auto '' generated response that the information has been verified. This error is preventing me from acquiring credit, open bank accounts and obtaining business credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an e-mail from PayPal that XXXX # XXXX had been accepted in the amount of {$840.00}. I have no PayPal account nor had I made an order. I called the number listed in the e-mail, XXXX XXXX XXXX to cancel the spurious order. I was connected to a man named XXXX at XXXX. First I found out that my XXXX ( formerly XXXX XXXX  XXXX ) credit card was used to fund the PayPal account and pay for a laptop. That credit card account is locked plus an old credit card number was used which expired this month. So no charges went through. He then said that a little earlier, someone used my XXXX debit card to open and fund some investment account for {$600.00}. That card had expired at the beginning of XXXX and my new debit card had a very different number. So no charges went through to my bank account. Most times when using a credit or debit card for payment, you have to enter the expiration date but apparently PayPal did not do that. 

XXXX said he would give me ( electronically ) a {$50.00} XXXX gift card because of the problems. XXXX rejected it and I let XXXX know. He said he would resend the order plus one for {$200.00}. Both of those were rejected and XXXX called me worrying that I was falling for a scam that asked for prepaid cards. This kept going on until XXXX said I would have to open a new XXXX account because my original account was basically shut down. By doing that, I lost {$30.00} in gift card value that was already stored in my account. Somehow it became an XXXX XXXX account which I had no use for. 

I spent an hour or more everyday on the phone with XXXX trying to resolved this mess. I discovered last Saturday that there was a pending charge to my bank account for {$50.00}. It wasn't until this morning, XX/XX/2022, that I found out that XXXX charged my account that amount of money. I contacted XXXX and he said he would refund that money. However, then a charge for a XXXX card and account appeared in my bank account. I also got an e-mail that PayPal had ordered a 1 year subscription to XXXX XXXX XXXX using a company called XXXX XXXX for {$99.00}. I have no interest in that service and certainly didn't order it. Instead of anything being resolved, the mess just keeps growing. Last week, XXXX was supposed to red flag my credit and debit cards so nothing could be charged to them. Today he explained that someone else had removed those flags which allowed these other unwanted and unordered charges. 

I also want any shipping information for the laptop that was collected in hopes of identifying who stole my financial information and was using it so I can turn it into the police for possible prosecution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to XXXX XXXX Black Market Website Surveillance & Alias Watch, these names and addresses have been used, which could have been due a data breach. 

My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX, GA XXXX Any other addresses must be deleted. I have not lived at any other address listed on my credit reports. 

There should be NO OTHER alias names or mispelling of my names. 

There should be NO employment. 

I have provided 1-Valid social security card and 1 Current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission ( see 15 USC 41, et seq. ). 

Upon multiple notices to the credit agencies, I have stated I am a victim of identity theft, I HAVE SENT DOCUMENTATTION PROVING I AM A VICTIM OF THEFT. I have sent documentation that included an FTC Report as well as a Police Report. The credit agencies have failed to follow FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XX/XX/2021 & XX/XX/2021 I have also asked that the credit agencies refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I have demanded them to remove the items stated below XXXX. Identity Theft XXXX Account Number : XXXX XXXX. Identity ThefXXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX  A Account Number : 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 2022-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I was checking my credit and notice that this company had place some unknow debt on my credit I am not aware of. My identity has been stolen a while ago someone was taking my mail out of my mailbox I did everything i was told to do and all the things where removed from my credit know they are coming back on my credit this is not my debt. Only thing this company could show me was my address that is all I ask them to remove this because this is not my debt I was not aware of this debt being on my credit report not my debt. it is not fare for them to place this on my credit report without me knowing it.

Jefferson Capital System {$1700.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XX/XX/2021, I have notified XXXX that they are reporting inaccurate information regarding an alleged bankruptcy and they still have not provided the information to show that they are reporting complete and accurate information : XXXX XXXX XXXX XXXX FLORIDA | DOCKET # XXXX | Date Filed : XXXX | XXXXr : XXXX | Status : Discharged Your cooperation in this matter will be greatly appreciated.

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 2022-01-18 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: SC

Complaint narrative:
I am writing to request that you delete the following inaccurate information from my credit report because I am a victim of identity theft. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2022-01-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since XX/XX/2021, I have notified XXXX that they are reporting inaccurate information regarding an alleged bankruptcy and they still have not provided the information to show that they are reporting complete and accurate information : XXXX XXXX XXXX XXXX FLORIDA | DOCKET # XXXX | Date Filed : XXXX | XXXX : XXXX | Status : Discharged

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 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc.
State: TX

Complaint narrative:
Requested debt validation multiple times from ACT, and XXXX XXXX, which were all ignored. Validation of Debt was never provided as legally required. In response to my last CFPB dispute ACT 's Compliance Representative for Account Control Technology , Inc. ( ACT ) stated this debt was recalled and should no longer be showing up on my credit report as ofXXXX. Yet this is still showing up on my credit report and negatively impacted my score.

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