vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My complaint is simply I was unable to be approved for a CHASE FREEDOM Visa Platinum account credit card due the information they were provided in your credit report. 
My refusal was from JPMorgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX ref # XXXX ( I can forward a copy ) dated XX/XX/XXXX. 
Their Refusal Stated.. 
DEROGATORY PUBLIC RECORD OR COLLECTION ITEM .... because I have not had a credit card nor have I ever failed to pay any monthly Business, Club or Household Expenses on time during the past 3 years. 
LACK OF RECENT INSTALLMENT LOAN INFORMATION .... because I have paid with auto draft or debit card. My actual Business and Personal Expenses run up to {$10000.00} per month NO RECENT REVOLVING BALANCES ... because my only standard Monthly Expenses like Electric, Utilities, and Private Clubs which {$2.00} to XXXX per month are paid on time or with auto draft. 

In XXXX my 42 year old company closed and I declared bankruptcy due to unfair XXXX competition. I have operated my new company XXXX XXXX with my Debit card and my personal assets ( in the millions ) for the past 3 years because of the information in the credit report. 
First, I would like to see my credit report and I would like to obtain a Credit Card so that I can build my credit history. If necessary I will pay any outstanding balance at the end of each month Will you work with me to rebuild my Credit History.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, my credit score as XX/XX/20 in XXXX  is XXXX and in XXXX  is XXXX but when I check my credit score on Experian is XXXX it makes no sense, I believe Experian is lowering people 's credit scores in a way to force people to buy the Experian Credit Boost propaganda, the credit scores starting to look very different from XXXX, XXXX  to Experian, when Experian started to promote the boost the Experian credit score service. 
Please help me and look into this. In my opinion Experian is lowering people 's credit scores to sell their Credit Score Boost Service.

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 2020-11-06 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:
I have disputed the XXXX/XXXX collection account # XXXX with Equifax, XXXX and XXXX as a fraudulent account. All bureaus except Equifax have removed this fraudulent account from my credit report and Equifax has never replied to any of my multiple disputes. 

I also disputed the XXXX Card collection account # XXXX with Equifax, XXXX and XXXX as a fraudulent account and neither bureau has removed this fraudulent account from my credit report or replied to any of my multiple disputes. 

My disputes included a dispute letter to each credit bureau, Police Identity Theft Report, Notarized Fraud Affidavit, social security card, drivers license and 2 proofs of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: MI

Complaint narrative:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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:
I have sent police report to Experian over 90 days ago along with proof of address an identification. Experian proceeded to block fraudulent item ( XXXX XXXX ) being reported by XXXX XXXX XXXX. Then Experian re reported the fraud item to my credit file an said its nothing they can do since XXXX  XXXX said they had valid info to prove its my account which is not true. I have never done business with XXXX  XXXX or even been contacted by them.

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 2020-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Attempting to collect a debt without verifying debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: FL

Complaint narrative:
I received an email from XXXX on XX/XX/2020 about a Netspend card that was mailed to me. I never requested this card, so I thought it might be a scam email. I ignored it. 

On XXXX, I received another email saying, " XXXX, a couple of weeks ago we sent you the Netspend Prepaid Mastercard you requested, but we noticed it hasn't been activated yet. '' I never requested this card, so I tried to call the company to inquiry about it. 

At the bottom of the email, I see fine print saying, " This message is an advertisement. '' If it is an advertisement, there is no way I could have requested it. The company is lying to me and gaslighting me into thinking I opened an account. 

When I called to inquire, I needed the 16 digits on the card to close the account. No card was ever sent to me, so not only did this company open an account in my name, but they also will not let me close it.

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 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
On XX/XX/2020 my XXXX XXXX account had a report of a collectors report, that severely dropped my credit score. It states that on XX/XX/2020 my XXXX account ( that Ive had for 5 years ) reported new to Southwest creditors  to collect {$45.00} from me. Ive never received any documents neither from XXXX, nor from Southwest Creditors  regarding this debt, and my account is on autopay with XXXX and is in good standing, working without a problem. 
I went to XXXX office, who looked at the history of my account with them and reassured me I owe them nothing, my account works fine and I dont have any outstanding past or current bills and that my account has and had no problems. 
So I call this southwest creditors to find out more about the debt they claim I have. They use my wrong last name, say that I used to have an account with XX/XX/XXXXXX/XX/XXXXfor which I owe money, but tell me about my current XX/XX/XXXX account that I was told by XXXX has and had no problems. Southwest debt collectors fail to justify any information about the debt they say I have! They also never ever contacted me prior to dropping my credit score severely. This whole situation makes no sense and I feel like Southwest creditors commit fraud by accusing me to owe money to XX/XX/XXXX that I have to pay to them, yet XXXX has no knowledge of such bills that I failed to pay. Please help me in this highly unpleasant situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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 was at XXXX XXXX on XX/XX/2020 to apply for a credit card and they refused me. I ordered my free credit report at experian.com to see what was the reason. It was because I had some negative accounts that I don't even know what they are for or why they are in my credit. I asked my wife if she had added these accounts, but none of these accounts are hers or even has them on her credit report ( 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 accounts listed do not relate to any transactions that I have made. These accounts are in my credit because of identity theft and I need these accounts to please be removed because they are not mine. I filed a police report with XXXX XXXX Police. i have never applied for the credit cards or credit and i have not ever used there services, cash or merchandise

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 2020-11-06 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: FL

Complaint narrative:
ARS ACCOUNT RESOLUTION XX/XX/2018 {$100.00} I demand for this collection to be removed immediately from my credit Bureaus. If this is not removed within 30 day period and I demand a letter with the confirmation. I am going to sue the collection agency for {$10000.00} as my HIPAA Rights have been violated.

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 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Partners, LLC
State: CA

Complaint narrative:
recovery partners llc XXXX XXXX XXXX XXXX, az XXXX there trying to charge me for a debt I don't owe! Just because someone writes a bill doesn't mean I have to pay it! I own a towing company if I write a bill for XXXX for a recovery job, but I didn't do the job can I still enforce the customer to pay it? Probably not right? So vice versa there trying to charge me XXXX to pay the debt and they're telling me we can settle it for XXXX and if I don't pay it there going to suspend my license. No one has contacted my insurance company or my attorney representing me in this just got a letter stating this is how much I owe. This isn't correct i don't owe anybody any money I pay all my bills on time and the last thing I want is for my class A license to be suspended. Don't know who this bill belongs too but it defiantly not me. I tried reaching out to this company and the just told me I have to pay I told them to get in contact with my attorney because she is representing me and can send and documentation to prove this they declined to call her and speak with her. If they don't want to talk to my attorney about the situation I have nothing else to say but there is no way I am obligated to pay a bill that wasn't intended for me and with no one telling me I owe them money. No one sent me a bill that I owe XXXX up until this letter from Recovery Payments llc contacted me I spoke with XXXX XXXX from there and the account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: CORELOGIC INC
State: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX {$2500.00} collection account XXXX XXXX XXXX XX/XX/XXXX inquiry/Hard pull Credco XX/XX/XXXX Inquiry/ Hard pull XXXX  XXXX XX/XX/XXXX inquiry/Hard pull Child Support XX/XX/XXXX charge off

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 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : US SM BUS ADMIN ODA Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by 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 explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Had automatic payments to pay off our debt with debt collector company on behalf of our credit card. On XXXX XXXX2020 a final payment of {$150.00} was taken from our checking account automatically, but the final payment was only {$110.00}. A refund of {$34.00} was due back to me. I waited for the refund but time passed and when I finally called the company I was first told that I was a few days past the 30 period in which to ask for the refund but that they could see that the account was in the negative {$34.00}. I was transferred to a manager who told me the same thing - that the account was paid but a negative balance was owed to me. The manager said if I did not see the refund in my bank account by Friday ( this was Tuesday ) to call back. Come Friday no refund. I called in the morning and they told me someone was locked onto my account and they could not contact that person to get them off. Ok so I thought and told the representative that maybe they were checking the account and about to refund me the amount so I would call back later in the afternoon of Friday if I did not get it. Did not get it. Called again and talked to XXXX, a manager and she said the account was locked out by someone too. I told her I was not going to take that as an answer and that I wanted my refund! She went to the person who apparently was on the account and came back to me to say it was a treasurer of the company and the amount was correct and they would be issuing me a check in the amount of {$34.00}. I told her to have it put back into me checking account, the same account used to take the monthly payments out of. She said that is not their policy! I told her excuses excuses I would contact the FTC to file a complaint. I paid in good faith on time and as agreed. The account was paid on XXXX XXXX, 2020! I am still waiting for my refund and I don't think waiting for a check after all this time is fair!

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 2020-11-06 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:
I have disputed the XXXX collection account # XXXX with XXXX, Transunion and XXXX  as a fraudulent account. All bureaus except XXXX have removed this fraudulent account from my credit report and XXXX  has never replied to any of my multiple disputes. 

I also disputed the XXXX XXXX collection account # XXXX with XXXX, Transunion and XXXX  as a fraudulent account and neither bureau has removed this fraudulent account from my credit report or replied to any of my multiple disputes. 

My disputes included a dispute letter to each credit bureau, Police Identity Theft Report, Notarized Fraud Affidavit, social security card, drivers license and 2 proofs of address.

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 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed the XXXX collection account # XXXX with XXXX, XXXX  and Experian as a fraudulent account. All bureaus except XXXX have removed this fraudulent account from my credit report and XXXX  has never replied to any of my multiple disputes. 

I also disputed the XXXX XXXX collection account # XXXX with XXXX, XXXX  and Experian as a fraudulent account and neither bureau has removed this fraudulent account from my credit report or replied to any of my multiple disputes. 

My disputes included a dispute letter to each credit bureau, Police Identity Theft Report, Notarized Fraud Affidavit, social security card, drivers license and 2 proofs of address.

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 2020-11-06 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: MI

Complaint narrative:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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 2020-11-06 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: MI

Complaint narrative:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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