vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX  XXXX bankruptcy dischargedDate Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$690.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4000.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$970.00}, XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXX  XXXX XXXX : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: KS

Complaint narrative:
I received a letter stating I have until XX/XX/22 to dispute all or some of the debt and if i do so in writting collection attempts will stop until info is sent showing i owe the debt. As of XX/XX/22 This debt collector illegally added it to all 3 credit reports. I have called their number several time during this period and I never get to speak to anyone and no one ever returns my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: MO

Complaint narrative:
I have noticed that XXXX XXXX XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX XXXX and EXPERIAN to verify these inquiries. They have yet to do 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 explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc
State: CA

Complaint narrative:
This company needs to be shut down! I am trying to update my payment account so that I can make a payment BEFORE the due date, yet I am unable to do so. The company only has customer service available, if you want to call it that, via email and it takes days to receive a response. If they even respond. There is no way to call them, no email, no live chat or any other form of assistance. I received one response on Wednesday, XX/XX/XXXX after emailing on Tuesday, XX/XX/XXXX. The email sent me instructions on how to update my payment account, and I was also texted two links that lead me to the app to add a new bank account. Well, just as I expected the app did not load and would not allow me to update my bank account information to make any payment. It just kept loading and loading. I am now unable to access ANYTHING on the app, just the bank account update screen that doesn't let me log into my bank account- it just loads. This is very frustrating. Prior to me not being able to make a payment, the company falsely marked my account as " charged off. '' After sending multiple emails, I was told that " in my profile everything is normal. '' I am now trying to mail a money order, but I have to email them for an address per their FAQs, which means I can potentially miss the payment deadline. 

I searched online for answers and ran across customer complaints and reviews from people who have had/are having the same issues. This company should not be in business if it is in the business to hurt its customers and not help them. They have unfair business practices that should be investigated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Bank is an online bank with no brick and mortar locations. The only way to get live customer service is their phone line. Seniors are hanging up and the most basic banking needs are not being fulfilled. Online banks need to be held to a higher level of access. Ally bank is failing their customers, please intervene. 
Wait to speak to an agent at Ally Bank : XX/XX/XXXX 1 hour 05 min XX/XX/XXXX 1 hour 34 min XX/XX/XXXX 1 hour 29 min XX/XX/XXXX 45 min XX/XX/XXXX 1 hour 23 min XX/XX/XXXX 49 minutes

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 2022-08-26 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: MO

Complaint narrative:
I have noticed that XXXX XXXX XXXX have placed an inquiry on my EQUIFAX and XXXX credit file dated XX/XX/2020. On multiple occasions I requested XXXX  XXXX XXXX, EQUIFAX and XXXX to verify these inquiries. They have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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 want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2015 XXXX XXXX XXXX  XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$52000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 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: U.S. BANCORP
State: NY

Complaint narrative:
This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following account need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

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 2022-08-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX Over two years ago XX/XX/XXXX we refinanced our office building with Chase Bank. On XX/XX/XXXX. I was contacted by XXXX XXXX XXXX from Chase Bank that I needed to come in to sign closing papers for the office we already did two year 's ago. I went in to see XXXX XXXX and he wanted me to resign the closing papers for our office that I already signed & I thought we had already been to closing, XXXX XXXX XXXX told me that they had lost the paperwork and it was never filed and they never used a title company. So, I told them I wasn't about to sign anything until I had an attorney look at it. So, I told a friend of mine who is a realtor about this & he put me in touch with a tile company XXXX XXXX at XXXX XXXX XXXX. XXXX searched the title and nothing had been filed at the recorder by Chase Bank. The original lien holder XXXX XXXX that I had paid off was still there as lien holder. I went through the contract that Chase Bank XXXX XXXX wanted me to sign and they had changed it all up from the original contract XXXX years previous. The Colorado XXXX XXXX XXXX XXXX XXXX, XXXX Said that Chase Bank has lost the original release of lien from XXXX XXXX and that is a problem. I tried over & over to try to get Chase Bank to take care of this matter. My attorney XXXX XXXX contacted XXXX XXXX XXXX & XXXX XXXX with no response. XXXX even sent a demand letter with no response. I got the point where I can not continue to pay an attorney. My attorney even gave me a break on my bill because he felt sorry for me. I guess Chase Bank is so big they don't have to reply to anyone they don't want to. I still pay my monthly payment on time, I've never been late. They charged me closing cost & filling fees that were never performed/filed. 

I told them if they would use the original contract as well as pay my attorney bill I would sign it. 
Chase Bank, XXXX XXXX XXXX ( XXXX ) XXXX & XXXX XXXX ( XXXX ) XXXX will not respond back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
A Barclays Bank Delaware card I opened in XXXX that was closed on XXXX, I have asked Barclays to please send me all the statements for the account before its closing date in order to review them and prove that the charges were not made by me, as it is my right under FCRA section 623 and Barclays has ignored my request. The credit card was maxed out by someone I knew, I did not know back then that I could file a dispute and this is the reason why this account was on a consolidation debt payment plan along with other accounts that had run the same faith. I was not able to keep said debt consolidation payment plan in XXXX due to the pandemic. I was contacted by Barclay 's collection affiliate XXXX XXXX XXXX. XX/XX/XXXX and in an effort to finish this debt I went on a payment plan with XXXX for {$100.00} monthly to pay a total settlement amount of {$730.00}. The last payment for {$100.00} was not processed and XXXX has reinstated the whole due amount of {$730.00}, leaving me with no other resource than to exercise my right under FCRA section 623 and prove that this is not my debt, one which has been settled based on the amount of money paid to this date.

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 2022-08-26 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: NY

Complaint narrative:
This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following account need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

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 2022-08-26 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: Advantage Credit, Inc.
State: MO

Complaint narrative:
I have noticed that ADVANTAGE CREDIT/XXXX  have placed an inquiry on my XXXX credit file dated XX/XX/2022. On multiple occasions I requested ADVANATGE CREDITXXXX and XXXX to verify these inquiries. They have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: IN

Complaint narrative:
I am writing to delete the following information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-08-26 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: MO

Complaint narrative:
I have noticed that XXXX have placed an inquiry on my EQUIFAX credit file dated XX/XX/2022. On multiple occasions I requested XXXX and EQUIFAX to verify these inquiries. They have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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 want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$52000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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 want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$52000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
i dont have any acount or any XXXX  with this acunt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My Macys account, Best Buy account, and XXXX account with Citi bank have all been closed by Citi bank on or about XX/XX/XXXX and XX/XX/XXXX. All of these three accounts were always paid on time and show good status. However, all three accounts were closed by citi bank for no reason. I believe the reason they were closed was due to a error on the way fair account, which I tried fixing for over a year with citi bank. This error was correct on XX/XX/XXXX. However, my Macy 's, Best Buy, and XXXX account are still close which continues to affect my credit.

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 2022-08-26 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Im seeing hard inquiries on my account that I didnt make.

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 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was scammed few months ago and been trying to get my money back from back and XXXX XXXX. How it happened was through bitcoin. I sent the money from my bank to XXXX XXXX then buy bitcoin and finally send it to their wallet ID

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 2022-08-26 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: Choice Recovery, Inc.
State: GA

Complaint narrative:
Wanted to get all accounts verified from collection company and wont sent info requested... asking for itemized statement and refused to send...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief