vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank closed my business account due to a check deposited into the account with a wrong name. 
They requested me proof of ownership of the check and I provided directly into to Branch.

Now they said that they don't have any documentation, ( this is not true since I have confirmed in the previous phone calls that they have all the information ) Now they debited my account with more than XXXX $ without authorization and Chase, kept my money don't want to return my funds. I have more than 4 months trying to recover my money and its impossible.The CHASE closed account number is XXXX under XXXX XXXX XXXX name. 
Last phone contacts on the phone number XXXX : XX/XX/2021 ( XXXX ) XX/XX/2021 ( XXXX  ) with more than 2 hour each call. 

Please we need your help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: IA

Complaint narrative:
I have been disputing this debt with the company and the credit reporting agencies. I have sent all the documentation in. I provided everything, instead XXXX has violated my rights numerous of times, in which I the consumer have never gave them any type of consent to furnished my credit report with such information. The information is inaccurate. I provided them with everything but they have stalled to remove the item all while violated 15 US code subsection 1692 ( b ), 15 US code subsection 1692 ( d ) ( 1 ), and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank NA wrotena letter to me they will be closing both my checking and savings account on XX/XX/2021. I have called several depts and their XXXX dept but there is no reason being given on why my accounts are being closed.

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 2021-09-15 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: LEXISNEXIS
State: IL

Complaint narrative:
I have disputed an unverified inaccurate bankruptcy on my credit report with the XXXX, XXXX, and XXXX and all 3 keep reporting the bankruptcy is verified by the data furnisher LexisNexis. As of XX/XX/21 LexisNexis did an investigate and said there in no bankruptcy in there fields ( see enclosed letters ). But this can't be true, because all 3 credit bureaus keeping coming back said its verified as accurate from the data furnisher lexisnexis. I have tried numerous times with each credit agency to remove the inaccuracy from there files and said lexisnexis has verified as accurate. XXXX XX/XX/21 # XXXX, XXXX, XX/XX/21 XXXX certified bankruptcy. XXXX XX/XX/21 # XXXX # XXXX, XX/XX/21 # XXXX verified as accurate. XXXX XXXX, and XX/XX/21 file # XXXX all still referencing the bankruptcy in there files verified as accurate. Not one time has any dispute come back NO bankruptcy and the common denominator here is LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: TX

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX CT XXXX AMERICAN ADJUSTMENT BURE Last reported XX/XX/XXXX {$380.00} AMERICAN ADJUSTMENT Last reported XX/XX/XXXX {$150.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERICAN ADJUSTMENT BURE Last reported XX/XX/XXXX {$380.00} AMERICAN ADJUSTMENT Last reported XX/XX/XXXX {$150.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX, CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: MD

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2021-09-15 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: MD

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My car was Broken into and my wallet as well as {$300.00} cash was stolen. I also had a fraud alert on my credit bureaus that dont have my number to call or verify just incase of fraudulent inquiries which i have just seen a coupe on my bureaus.

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 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
There is negative information reporting on my credit report for collections that I have no knowledge of. I have not received written notification therefore Ive been denied my right to the timeframe allowed to request validity of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Omega RMS, LLC
State: CT

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX CT XXXX OMEGA RMS Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious OMEGA RMS Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX, CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SG and Associates
State: AL

Complaint narrative:
I received an alert on my consumer report regarding an alleged debt back on XX/XX/XXXX that I did not recognize nor do I believe this to be any debt that I owe. As the natural person my rights have been violated by this company. I mailed a letter to the company certified with a return receipt via USPS tracking number XXXX so I know they have it by now. I'm very upset and XXXX  XXXX  because I'm about to close on my home and this is costing me time and money!!!! Pursuant to 15 USC 1692g this company has violated my rights, as this debt has never been validated nor was I provided any written notice of any alleged debt. They have also Violation of 15USC 1692e Misleading and False reporting because this is not my debt and now you have attacked my character by reporting false information about my to the credit reporting agency without my permission which is a violation of the FDCPA in accordance to my right to privacy. You can just go around putting debt on people like its a game. I'm a teacher so I'm not XXXX nor XXXX  to the law. 
If this is not deleted I will have no problem bringing legal action this company for violating the FDCPA, FCRA, defamation of my character and invoke my right to seek monetary damages under 15 U.S. Code 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability

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 2021-09-15 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: TX

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2021-09-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My car was Broken into and my wallet as well as {$300.00} cash was stolen. I also had a fraud alert on my credit bureaus that dont have my number to call or verify just incase of fraudulent inquiries which i have just seen a coupe on my bureaus.

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 2021-09-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I purchased a new pressure washer that was sold through XXXX and the brand of washer is XXXX. I after a couple of weeks I called to check delivery status and was told they have no idea when the pressure washer would be shipped or arrive. I asked for a refund and was told I have to dispute the charge and have no proof of the refund. I never received any merchandise and only want a refund of {$300.00} which is the purchase price of the pressure washer. I paid with my Lowes credit card and can not get refunded for some reason.

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 2021-09-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My car was Broken into and my wallet as well as {$300.00} cash was stolen. I also had a fraud alert on my credit bureaus that dont have my number to call or verify just incase of fraudulent inquiries which i have just seen a coupe on my bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit card was stolen on XX/XX/XXXX or XXXX off 2021 and the person applied four or five charges that totaled about {$350.00}. I talked with Citibank fraud department and explain the situation as they were the ones that informed me that my credit card was probably stolen. They sent me a message on my app asking if my credit card was in my wallet. I opened my wallet and found it was not there thanks to them I was able to close the account. The problem is a few days later someone came to the shop and said they found my credit card in the parking lot. I explained this to Citibank fraud department and they assume that sense the person returned it that it was in my possession the whole time. I explained over and over that the card was stolen it shows getting gas at one place twice in one day. I even filed a police report to help Citibank fraud department believe me. They said they would get back with me and they never did 2 months went by so I finally called them back and I'm still having the same issue with Citibank. They just pretty much blew me off and want me to pay for the charges that I did not apply to my credit card I did everything in my control to get them to believe me but to no avail they believe that I am lying. I've never had such a problem with a credit card company and my credit is excellent I have no reason to lie about some charges as I paid all the other charges that were applied to the card except for those that I know that are not mine. I'm out of ideas this is why I have to call you to get some help with this issue. Thank you and I look forward to hearing back from you

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 monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: DE

Complaint narrative:
Indigo MasterCard, Genesis Card holder services, was caught for the fifth time now trying to get money from me that they are not owed. I have never in my life witnessed such a thieving credit card company in my life! I asked them in XXXX what the payoff amount was and they told me {$260.00}, to which I immediately sent them in a money order and was relieved in getting rid of them. Since this time they were ignorant enough to to send me a $ XXXX.and some change bill on a closed account that was paid off. Tonight they sent me an email for my XXXX statement I called them and told them my account was closed in XXXX and fully paid off. XXXX, their employee said that now I owed {$2.00}. I said why are you still attempting to charge fees to an account that was closed back in XXXX? I since called back twice and the third time tonight, this time, their employee, XXXX, stated that she would remove this fee on my XXXX CLOSED and fully paid off account and send me a letter that they would never contact me again or try to further extort money from me. I told her I am contacting their state attorney general once again and reporting their wrong doing. Please call them at XXXX and fine them or hold the, accountable for their illegal extortion towards me. I blocked them from my email too. Thank you. Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I applied for a Kohl 's credit card on a paper application with my SSN, and submitted it to the office of the XXXX XXXX store where I worked in XXXX, Tennessee. I signed it on XX/XX/XXXX. It required a manager 's signature before being sent to Corporate. It was denied, which was fine. ( I later applied in XX/XX/XXXX and was approved. ) But I need to know which manager signed my paper application in the office. Kohl 's will not respond to this info request, despite going through the FTC. The paper application denial listed as my application number XXXX. The letter from Kohl 's was dated XX/XX/XXXX. If they could find info on an old Kohl 's credit card from decades ago, which I included in a XXXX bankruptcy filing, then they can find this paper application.

Company response to consumer: Closed with explanation