vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is improperly reporting an invalid credit report from XXXX XXXX XXXX whom XXXX sold an invalid invoice in my name. I have already attempted to resolve the issue with both XXXX and Experien, and neither will cooperate in removing the invalid report. Please remove this from my record and hold XXXX, XXXX, and Experian accountable. As a consequence of this fraudulent report, my credit score has dropped over XXXX points and I am unable to procure necessary financing to live my life.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There's incorrect personal information 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 non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I bought a XXXX XXXX ( XXXX ) Ticket for a XXXX business trip on XXXX  to XXXX XXXX on flight XXXX ( XXXX XX/XX/2023 ) and returning on XX/XX/XXXX XXXX the flight on XX/XX/XXXX was cancelled by XXXX 4 hours before the flight at XXXX CT without rebooking to an immediate flight causing a huge business snag. XXXX 's customer service was unavailable to cancel and refund through the app, chat or call mechanisms. see attached pdf for evidence. 

It cost me another {$430.00} to rebook a one way flight to XXXX using XXXX XXXX and a different cab as well. XXXX also cancelled my flight on XX/XX/XXXX without refunds. I called the flight again for my flight and now the flights were insanely expensive. I asked for a refund and XXXX 's representative asked me to file a refund request which I did immediately on XX/XX/XXXX. see attached pdfs. 

XXXX denied my refund request so I disputed {$1400.00} for my Taxis, alternative flights, and original flight ticket cost. But I am not getting help from CHASE to resolve this dispute so I am filing a claim to bring XXXX to justice for misusing my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: TX

Complaint narrative:
These hard inquiries were not authorized and are as a result of identity theft. 
Please delete hard inquiries from credit file. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received an email from chime saying I opened a card- I have not. They wont close the card without me sending a picture of my ID and I am not comfortable with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: Kriya Capital, LLC
State: AL

Complaint narrative:
I have a collection on my XXXX credit report that appeared in XX/XX/XXXX on XXXX XXXX. The collection is from Credence Resource Management. The original creditor was XXXX XXXX. The amount is for {$460.00}, and it says the account was opened on XX/XX/XXXX. I have no knowledge of this account. I am very careful about paying my bills when I do owe something. I never got a letter in the mail, an e-mail, or a phone call about this debt. This is a violation of the FDCPA. I disputed this with XXXX, and XXXX will not remove this collection. I have not contacted this company because I do not trust scam artists, and I am unsure what to say to them that would do me any good. I know for a fact that they can not prove this debt is mine, because it isn't. My maiden name is XXXX XXXX XXXX. I got married in XX/XX/XXXX, and my name is now XXXX XXXX XXXX. I don't know which name this company has me filed under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 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: CA

Complaint narrative:
Consumer has notified previously of dispute and EQUIFAX is still in violation and reporting fraud on consumer report. The company XXXX XXXX XXXX XXXX is involved with identity theft account and consumer request for immediate removal of account listed as XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
15 USC 1692g ( Validation of debt ) ... 15 USC 1692 ( Legal action by debt ) ... 15 USC 1692e ( False or misreading representations ) ... 1681s-2 ... Here are the accounts I would like to get Removed A.S.A.P ... XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX ... Since these companies are not the original creditors they can not validate the debt please delete A.S.A.P ... Thank you...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inactive, and date last reported is not accurate. This ground for removal they also violated my rights under. 15 U.S.C 1681 Section 692 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. Also the Credit bureaus took more that 30 days to complete my investigating.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accurate personal information refuse to remove unknow addresses and unknown persons,

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accurate personal information refuse to remove unknow addresses and unknown persons,

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 2023-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES CONTINUES TO VIOLATE CONSUMER RIGHTS AND CAUSING EXTREME HARDSHIP TO CONSUMER REPORT BY REPORTING ILLEGAL AND UNAUTHORIZED CONSUMER IDENTITY INFO. PRA WAS GIVEN NOTICE OF DISPUTE, DEFAULT AND OPP TO CURE WITH INVOICE FOR COMPENSATION DAMAGES DUE TO VIOLATION OF FCRA, PA, FDCPA, ROSENTHAL ACT AND USING FEAR, DECEPTIVE AND MISLEADING BILLING TACTICS ON ALLEGED DEBT. CONSUMER ALSO CLAIM SECURITIES FRAUD IN USING MY PRIVATE INFORMATION TO RUN SECURITIES. CONSUMER HAS NOT GIVEN WRITTEN AUTHORIZATION TO OBTAIN PRIVATE IDENTITY INFORMATION. PRA FAIL TO SHOW PROOF OF CLAIM WITH A VALID SIGNATURE OFTHE CONSUMER TO PAY ALLEGED DEBT. CONSUMER DEMANDED DOCUMENTARY EVIDENCE OF PERFECTED LIENS, AGREEMENTS, CONTRACTS, PROMISSORY NOTES, OR ANY OTHER DOCUMENTARY EVIDENT TO SUPPORT PRA 'S CLAIM AND CONSUMERS AGREEMENT. CONSUMER SEEKS {$6000.00} IN DAMAGES. CONSUMER DEMANDED PRA TO CEASE AND DESISTS ALL COMMUNICATIONS INCLUDING CONSUMER REPORTING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC
State: AZ

Complaint narrative:
Harvard Collection Services XXXX XXXX XXXX XXXX XXXX, IL XXXX Says I owe Illinois Department of Human Service {$2900.00}. 
Supposedly opened XXXXXXXX XXXX XXXX 
This is incorrect, they reported it to the credit bureaus. This is the second time they did this to me. I disputed it last time and everything was removed. And yet here they are again doing it again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I am writing to address the ongoing issue regarding the inaccuracies present in the consumer report furnished by Westlake Financial on my behalf. The purpose of this letter is to formally request that all communications from your organization cease immediately, unless you are willing to compensate me for the violations committed. 

It has come to my attention that Westlake Financial has been reporting inaccurate information on my consumer report, which has had a detrimental effect on my financial well-being. These inaccuracies have caused significant financial losses and have hindered my ability to engage in various financial transactions. 

I hereby demand that Westlake Financial rectify the inaccuracies in the consumer report promptly. Furthermore, I insist that your organization ceases all communications with me, unless you are prepared to compensate me for the violations committed. This compensation should reflect the damages caused by the inaccuracies in the report and the subsequent negative impact on my livelihood. 

Please consider this letter as a formal notice to cease and desist all communications regarding the inaccurate consumer report. Failure to comply with this request will result in further legal action to protect my rights and seek appropriate remedies. 

I anticipate your immediate attention to this matter and a prompt resolution. Please confirm your receipt of this letter within 10 days. Any future communication from Westlake Financial should be in writing and strictly limited to the resolution of this issue. 

Thank you for your understanding and cooperation.

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 2023-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Subject : Unauthorized Third-Party Communication and Cease and Desist Notice Dear Sir/Madam, I am writing to address the unauthorized third-party communication I have been receiving from LVNV Funding regarding an alleged debt originating from 12 XXXX  XXXX XXXX  XXXX. It has come to my attention that LVNV Funding is in possession of my personal information without my consent or authorization. I demand that all communication from your organization cease immediately, unless you are contacting me to discuss a remedy for the violations committed. 

I want to make it clear that LVNV Funding, as an unauthorized third party, has no lawful right to possess or disseminate my personal information. I have not provided any consent for your organization to access or utilize my personal data in any way. This unauthorized acquisition and use of my information violate my privacy rights and potentially expose me to unauthorized disclosure of sensitive information. 

Therefore, I demand that LVNV Funding immediately ceases all communication with me, including but not limited to phone calls, letters, and emails. Unless you are contacting me to discuss a resolution for the violations committed, any further communication will be considered a violation of my rights under federal and state laws. 

Additionally, I require LVNV Funding to provide written confirmation that you will no longer engage in any communication or attempt to collect any alleged debt from me. Failure to comply with this cease and desist notice will result in legal action to protect my rights and seek appropriate remedies. 

Should you wish to contact me to discuss a remedy for the violations committed, please ensure that such communication is in writing. Any future communication from LVNV Funding must be strictly limited to resolving this matter, and should not be used to harass, intimidate, or attempt to collect any debt. 

I expect your prompt attention to this matter and an immediate cessation of all unauthorized communication. Please acknowledge receipt of this letter within 10 days. Any failure to comply with this notice will leave me with no choice but to pursue all available legal remedies to protect my rights and seek appropriate compensation for the violations committed. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Shortly after car shopping in Arizona in XX/XX/2022, I have not been able to pull or view my credit report via any other manner from equifax. Ive called and tried everything. Currently creditors cant pull my report and I have no way to monitor my report. I use iXXXX XXXX and XXXX paid memberships to view all 3 reports and can not access my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
in accordance with the fair credit reporting act convergent account capitol one has violated my rights. 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666b : a creditor may not treat a payMent on a credit card account under an open end consumer credit plan as late for any purpose dATE REPORTED XX/XX/2023 ORIGINAL LENDER XXXX {$9300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights. 

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 states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inactive, and date last reported is not accurate. This ground for removal they also violated my rights under. 15 U.S.C 1681 Section 692 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. Also the Credit bureaus took more that 30 days to complete my investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
I received first communication from Gordon, Alyworth & Tami, P.C. via process server with a summons and complaint on XX/XX/2023. I responded to the complaint on XX/XX/2023 along with a request for debt validation via certified mail and I filed my answer to complaint with the XXXX XXXX District court on the same day. It has been 2 months and and I never received a response to my validation request. It is now XX/XX/XXXX and I received 2 documents in the mail, Plaintiff 's request for admission and Request for production of documents. I requested for productions of documents first and was completely ignored and I never received a letter regarding my debt validation rights after initial contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights. 

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 states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I was able to transfer out {$50000.00} from my AMEX Savings account to my XXXX bank account on XX/XX/XXXX. I received no warnings or alerts about this transfer. Then after threatening to take the rest of my money out of AMEX given poor customer service, I went to follow through on that. On XX/XX/XXXX, I transferred another {$30000.00} to the another account under my name at XXXX XXXX, which had been verified via trial deposits, but this time AMEX held the transfer and completely froze my account. I called AMEX per the website 's instructions on Saturday XX/XX/XXXX given I was unable to transfer any money from my account. The rep told me I wouldn't be able to do anything until Monday given the banking office I needed to talk to was closed. I have no idea why AMEX would restrict funds transfer to a bank registered in my name only AFTER I had threatened to transfer the rest out ( especially after allowing a larger transfer just 2 weeks before without any fraud alerts ) other than being punitive and spiteful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There's incorrect personal information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There's incorrect personal information 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 2023-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/23 and XX/XX/23 I used XXXX to send {$100.00} and {$1000.00} respectively from my Wells Fargo bank account to my sons Wells Fargo account. My bank statement and XXXX record shows the money was debited from my account as XXXX transfers to my son but the funds were not credited to my sons account. I filed claims with Wells Fargo but they have been denied. Wells Fargo has told me they are requesting the money be returned from the financial institution to which it was sent but can not give me the name of the individual or financial institution. So it seems there is no guarantee from Wells Fargo that my funds will be credited back to my account even though they incorrectly sent the money to the wrong account/institution. This error appears to be entirely their fault as the information I provided for the transfer was correct.

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