vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV funding has a fraudulent collection in their office under my name! I have sent them on several occasions supporting documents showing without a doubt that this is not my debt! I sent them an FTC Affidavit Aswell as Notarized ID THEFT documents. Also a letter from the original creditor was sent showing this debt was found to be the result of fraud! LVNV conveniently received everything in my packet I sent but somehow supposedly never got my notarized documents. Everything was sent in the same packet! For the XXXX time this is not my account! LVNV bought this debt from the original creditor and is wasting their time trying to collect on this fraud debt! I will if need be contact my lawyer and have a lawsuit filed against LVNV for failing to cease collection attempts and not remove this from my credit. My lawyers contact info is as follows ( XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: FL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: FL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: AE

Complaint narrative:
I have not had a single positive experience working with Truist. I am XXXX XXXX XXXX, serving in XXXX. I have no possible way to access my account. When I moved here, my loan was with SunTrust. It switched to Truist with no notice or explanation. I lost all access and ability to even make payments! They would not do anything for me, and the only way to try was to place an hour long international call on my cell phone. They refuse to speak to me any other way. Each time I call, they talk in circles, and say that I need to try and call back. Each time they say they will leave a note on my account, but I call again and start from square one. Their incompetence is so outrageous it feels like it is malicious. 
I now am trying to sell my vehicle so I can be free from them. They can only send a payoff letter via fax, and not to an international number. So there is the first problem. Second, the XXXX government requires a letter from the bank giving permission to sell. I have spoken to them twice, and I am on the phone for hours with no answer. I'm stuck over here in XXXX, and they know I have no options. Yet they refuse to find any solutions to the problems that they create.

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 2024-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
Wakefield and associates just popped up in my credit. I have no knowledge of this debt. Never received documentation about this debt to properly dispute alleged debt. I dispute this debt. Please send over any ALL ORIGINAL WET SIGNATURE DOCUMENTATION for this alleged hospital debt. PLEASE ALSO SEND YOUR CONTRACT FOR ORIGINAL CREDITOR STATING THAT I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists i sent this before and they stated i had to attach an identity theft report which now has Wakefield and associates listed since the did not comply with a federal law and remove off my credit once they were informed that this was due to identity theft and it is attached. Also did not comply with requests

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: GA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 non-monetary relief
Consumer complaint received 2024-01-24 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: CA

Complaint narrative:
In XXXX, I opened an American Express " Blue Cash '' credit card ending in account number XXXX with American Express ( AMEX ). I was told at that time, than I would receive rebates totaling 3 % for supermarket and gas purchases, and 1 % on everything else. Every time I received updated cards due to the old ones expiring, I would carefully check the documentation I received as well as with the phone operators at American Express, to confirm whether any changes had been made to the terms of my account including the rebate amounts. While certain changes were made and communicated to me over the years ( e.g., loss of concierge service and rental car protections ), I was consistently told each year that my rebate rates had not changed. 

Last month, I received new " Blue Cash '' cards from American Express and called the company to confirm that nothing had changed. For the first time, through an off-hand comment by an operator, I was told that my Blue Cash account was receiving 1 % for supermarket and gas purchases, and .05 % for every other purchase. I asked why the rates had dropped so far so fast, and was told by XXXX operators that they had been this way for years and that only holders of the new, previously unknown ( to me ) card called a " Blue Cash Everyday '' card would receive the rate I had been told I was receiving prior to this conversation. I was understandably upset by these long standing misrepresentations, and told the operator I wanted AMEX to make this right. He said there was nothing he could do but switch me to the new " Blue Cash Everyday '' card, as the new card was exactly the same in all respects as the old card, except for the small change in the name from " Blue Cash '' to " Blue Cash Everyday. '' I therefore made the switch in XXXX of XXXX. 

I sent AMEX a letter on XX/XX/XXXX, detailing my anger at their actions and asking AMEX to make this problem right. No response has been received to my letter. I am therefore turning to you to see if you could fix this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
on XX/XX/2023 I deposited my wife 's XXXX  check along with my grandsons XXXX XXXX check into my account thru the ATM both checks were endorsed by all parties. Chase bank flagged the account as fraud. I made contact in person with the bank to try and resolve this issue. I made four trips to the bank on the same day and provided all the information they requested such as identification birth certificates and even had my grandson with me in person and at the end of the day they would still not release the funds. I have made multiple phone calls to the number the bank provided to try and resolve the issue and now they are telling me that my grandson has to have a cell phone account in his name to prove his identity even after he provided them with his ID and social security card and birth certificate. The banks next step was to close my account and we still cant get the issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fiar Credit Reporting act. The list of accounts below have violated my federally protected consujmer rights to privacy and confidentiality under USC 1681. 

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 XXXXXXXX Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has a address I never stayed at which is XXXX XXXX XXXX XXXX XXXX XXXX I sent in my Identification and a mail an its still not updated also they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called multiple times and its not correct my address is XXXX XXXX XXXX XXXX XXXX XXXX I cant get my XXXX scores updated because 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 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Recovery Management Solutions LLC
State: CA

Complaint narrative:
Recovery Management Solutions LLC, has harassed myself and my children and ex wife by calling a XXXX number and harassing my ex wife with an account that doesn't even belong to me. I spoke to XXXX employee Id XXXX whom confirmed that the account information doesn't even belong to me. I also spoke to their compliance officer by the name of XXXX XXXX who was rude and condescending however tried to clean up their mess by saying it was a mixup and that they had removed the information from ever being contacted. 

Enclosed is proof from my XXXX child that they called her and my ex wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding several LATE payments on my accounts that have appeared on my credit report, which I suspect is not reported accurately. Despite my efforts to address this issue with the credit reporting agencies and the involved creditors, the matter remains unresolved. 

Upon reviewing my credit report, I noticed the presence of multiple late payments on my accounts I do not know how they appeared cause I always pay on time. The suspicious late payment occur to XXXX XXXX XXXX and XXXX XXXXXXXX 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 2024-01-24 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: GA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: NV

Complaint narrative:
Unauthorized Transactions XX/XX/XXXX {$100.00} XX/XX/XXXX {$400.00} Atm cash withdraws I tried to withdrawal money from the atm on XX/XX/XXXX and my transactions kept getting declined stating that I reached my daily withdrawal limit. Upon checking my account I noticed my account had two unauthorized withdrawals in California in the amounts of {$100.00} and {$400.00} totaling in {$500.00}. I contacted Way2Go customer service and the representative was very rude and kept insinuating that it was me and there would be nothing they could do. She still did file the claim for me which I never received my paperwork to send in which they automatically denied my claim nor did I receive a new debit card. Ive had to call them over and over to get the investigation results, which is where they didnt investigate. After months of calling I finally received my new card on XX/XX/XXXX on XX/XX/XXXX I received another denial letter with absolutely no context behind it whatsoever they have not done any type of investigation theyre just going off of their own assumptions. I requested the investigation documentation and still have yet to receive anything and its now XXXX They have never contacted me regarding any type of investigation they just simply kept denying my claims without providing anything showing what they came up with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief