vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting 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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: UMB FINANCIAL CORPORATION
State: KS

Complaint narrative:
There was a fraudulent attempt to take out a consumer loan under my name. A Hard inquiry was reported on my credit report on XXXX for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Calling the number listed was of no help. I looked up and contacted the address above and explained the fraudulent activity. I explained that there was a hard inquiry on my credit report and an attempt by an identity thief to open an account or take a loan out under my name. I explained how I was going to report this information and dispute the hard inquiry and was trying to gather more information for the report. I was told that they couldn't help and I would need to dispute the inquiry with the credit bureaus. 
XXXX said they didn't have any information to provide because the fraudulent attempt was unsuccessful in establishing a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and PORTFOLIO RECOVERY ASSOCIATES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-03 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I was involved in a fraud scam. The fraudster used my American Express account to purchase items totaling {$10000.00}. I never gave my card or card number to the fraudster. They represented themselves as being from American Express and were checking on fraudulent purchases that they made. They were very professional. I then got a letter from American Express, saying they recognized the suspicious activity. They proceeded to conduct an investigation. I received a letter ( XXXX ) saying the investigation was completed and charges would be credited to my account. The credits were made, but then reversed at a later date. When I questioned why the charges were now my responsibility, they said I gave the merchant my information willfully ( which I did not ) and they were holding me responsible. ( attached letter XX/XX/23. 

I have included all correspondence between AMEX and me. The correspondence describes the sequence of events regarding the fraud and my communications with AMEX. I have never done business with the merchants involved and AMEX has not given me proof that the merchant verified my identity at the time of purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting 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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and 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 non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
XXXX made a purchase on XX/XX/XXXX online order # XXXX from XXXX using my card from XXXX - XXXX sacks- XXXX I received a confirmation order date XX/XX/XXXX XXXX received a second email after few day showing that product was delivered on XX/XX/XXXX ( 2 days after I ordered ) and a XXXX tracking XXXX XXXX because I didnt receive the product I have to check XXXX website and add this tracking numb which per tracking history showed Label Created XX/XX/XXXX XXXX AM - XXXX first I made the purchase in XX/XX/XXXX how come the created the label two days prior! How did they know that I wanted to order? Second the picture attached in the tracking on XXXX and proof of delivery didnt match our townhomes exterior which u can goodbye and it s obvious not the same as the picture third I called XXXX to check if my address was the final destination of this tracking and they confirmed that my address is not on this delivery - XXXX I emailed the merchant in XXXX to request a proper tracking cause the one provided is not right and because Goldman sacks has rejected all the proof I provided and said merchant provided tracking they ignored all proof of scam - so merchant response : XXXX, XXXX you for contacting us back. 
We would like to inform you that we've not received the tracking list yet from the courier company that is why we've not provided it to you. As we've shipped the bunch of orders this time that is why it is taking some time to prepare a tracking list by the courier company. 
Please do not worry, your order is on its way to you. 
Thank you so much for your patience and understanding. 

And I re opened the claim again and gave Goldman sack all evidence of scam- they again after few weeks responded : Your Apple Card transaction dispute investigation is complete and the merchant charge ( s ) will remain on your account.

Goldman Sachs Bank USA has re-investigated your transaction dispute and found that no billing error occurred for the following reason : We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim Dispute case number : XXXX Transaction date : XXXX XXXX, XXXX Merchant name : SP My Disputed amount : {$59.00} Amount to be rebilled : {$59.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: GA

Complaint narrative:
In XXXX of XXXX, Westlake Portfolio started sending notifications to submit payments in regards to my auto loan with my lienholder US Auto ( sales ) LLC. Westlake Portfolio states that they have the contract from my lienholder to accept payments and to take over contractual agreements that were bonded with US Auto ( sales ) LLC. When I spoke with Westlake Portfolio ; representatives that I would speak with would state that Westlake Portfolio were only available to collect payments and they were not able discuss any contractual terms. Since that time Westlake Portfolio has been calling and demanding payments for my auto loan with US Auto sales. XX/XX/ XXXX my vehicle was stolen from my home, I called Westlake Portfolio to inquire about my GAP insurance and I was told that they were not able to discuss anything with me about my coverage. I have also tried asking Westlake Portfolio about having my title which was stated to me they do not have. On XX/XX/2023 Westlake sent a wrecker to my home with a digital order of repossession. Westlake Portfolio sent me a certified document stating that my car was going to be sold at an auction. Westlake is also demanding payments for the vehicle I no longer have possession of.

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 2023-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake financial services has me stuck in a preditory loan. 
I have already paid off the loan amount yet they keep saying i owe them thousands. At advice from attorney i still keep paying them. I sent them a demand for title letter. They repossessed my truck not once but twice oweing no money. Cost me {$2300.00} total so far in have to get it back twice. They will not contact me at all just i wake up and my truck is gone. I have lost contracts and lots of money over this. 
I have to park my truck sideways as they will just take it without any contact. No letter, no email, no call. Stating they have a do not contact order from me. Well i get spam emails and other forms of mail plus spam calls from them all the time. 
I cant even trade it in to get out from under them as they have account closed on my credit yet my truck is sitting right in my driveway. They refuse to report but every 4 months to the credit reporting agencies. 
Im tired of this, im over stressed and get nowhere with them in this matter. I was advised about all the lawsuits that have gone on with them over these same issues.

I just want the title to my truck and westlake out of my life. They hinder my business with these games and ive over paid thousands. 
What can i do to get out of this.

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 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I applied for an American Express Gold Card. When I applied they were offering {$250.00} for subscriptions. Before buying a plane ticket I called American Express customer service. The lady that replied said I would get the bonus of {$250.00} at the time I receive my statement. I proceeded buying a plane ticket. The statement arrived and no - {$250.00}. I called them. They said they will raise this issue with the finance department and let me know. For nearly two months I had to deal with this issue. They treated me terribly. I asked them for the transcripts of the phone call. They never gave that to me. They have everything in the system and they never were willing to really do their job. Many phone calls from my side. After that I started writing them in the chat service. At least that is written down so I can share that with you. 
All I want is the money they promised and never fulfilled and another complaint I have is that they never sent an email to me about the status of my complaint. I had to call or write in the chat several times. This is very concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: WI

Complaint narrative:
I received a debt collection letter from AMCOL Systems in regards to a debt owed to XXXX XXXX XXXX. The letter did not include any information on the dates or services of this debt. I have been on a payment plan with XXXX XXXX for the past few years regarding all bills I have received. I have called them consistently to update my account and adjust my payment plan as needed. I spoke to them as recent as XXXX XXXX XXXX to make sure I was paying on my account and to adjust as needed so when I received this collection letter from AMCOL I wasn't sure if this was a scam or what to think. I contacted XXXX XXXX as well as AMCOL to dispute this debt as I have been paying on my XXXX XXXX account through direct deposit. I am waiting on documentation from XXXX 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 2023-10-03 00:00:00
Product: Credit reporting 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:
I have attached an FTC report with fraudulent unauthorized inquiries

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 2023-10-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have received several American Express prepaid gift cards as a bonus from my employer. I have used the cards successfully in the past at many online stores including XXXX, as well as in my XXXX XXXXXXXX XXXX 

A few months ago, the cards started getting declined everywhere. I have tried multiple stores where I have shopped previously, including XXXX who called me and were not able to get the card to go through. 

I get an error when I try to use the card in my XXXX XXXX account as well, when it worked previously. 

I still have XXXX XXXX XXXX  remaining on the cards and have not been successful in using the balance. The cards are digital gift cards, so I do not have a physical card I can use in stores.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally XXXX. Please take an action with this innacurrate accounts. 
See the documents attached.

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