vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: IL

Complaint narrative:
I opened a personal account with XE to transfer money from my PNC Bank account to my business partners in XXXX XXXX. I received an email from an XE employee, ( XXXX ), who informed me that I needed a business account instead of a personal one to proceed with the money transfer. During this time, my funds were held by XE. 
However, while I was in the process of changing my account, XXXX went on vacation. The following day, a new person named XXXX ( XXXX ) joined the same email thread and introduced himself as my new account manager. 
This person exhibited persistent behavior by repeatedly requesting my personal details, including my account username and password. Additionally, they claimed to have reset my password and supplied me with a new one, implying that they had gained access to my account without requiring any personal information from me. 
In the end, there was an unauthorized transaction of my funds from my XE account in the total amount of XXXX USD. 
I attempted multiple times to gain information from XE, especially about the transfer itself, asking them repeatedly how did the transfer occur and why did they not stop it, where the money ended up and so forth, at which they kept telling me that they do not now how this happened and there is nothing they can do on their end. When I asked for call recordings I had with their customer support agents in order to use it as evidence, they promised to send them ''within a few days, but never did. 
XE has had a prior history of breaches of security and unauthorized transactions occurring. In XXXX, XE was hacked and the personal information of over XXXX XXXX customers was stolen. This included names, addresses, email addresses, and phone numbers. In XXXX, XE was again hacked and this time the hackers were able to steal customer passwords and credit card numbers. As a result of these breaches, XE has been fined by the XXXX XXXX XXXX XXXX XXXX XXXX ( ICO ). 
In addition to these breaches, XE customers have also been the victim of unauthorized transactions. In XXXX, XE was forced to refund {$1.00} XXXX to customers who had their accounts hacked and money stolen. In XXXX, XE was again forced to refund customers who had their accounts hacked and money stolen. 
Taking all of this into consideration, it would not surprise me if I was simply another victim of XE 's negligence and poor security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: WI

Complaint narrative:
I received a text message about a charge on my account from Florida - I live in Wisconsin. I responded " no ''. Someone then called me from my bank ( Discover ) and asked me about XXXX payments I had made, which I confirmed ; they asked for some details ( the last XXXX of my social and my mother 's maiden name ). As I was talking to them, XXXX money transfers were made ( {$33000.00} and {$10000.00} ). They asked me to sign an affidavit ( attached ) and set up a fake appointment for the following day. 

When I called back the next day, no one knew about the appointment, and the money was gone. 

Now, by accident, my employer sent my salary payment to the Discover bank, and I had to make a money transfer to my new checking account. Now, I had to speak to a third person who required a copy of my driver 's license and a selfie. 

How did the previous money transfer get made, and then Discover implemented a new policy that would have stopped the first XXXX transfers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: TN

Complaint narrative:
I have disputed the information XXXX  about a collections account with Hunter Warfield. Each time it comes back as verified but I know that it hasn't because I do not have a contract with the original creditor XXXX XXXX XXXX XXXX XXXX does not have a contract or signed lease with my wet or electronic signature, so on that basis alone, I would like it removed from my credit. The effects of this reporting on my credit is that my family and I are now homeless because no one will rent a dwelling to us with this debt reporting on my credit and rental history. Also the debt is reporting incorrectly. So it has not been verified as the credit bureau 's continue to reply as the reason for it to remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: FL

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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 : 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 2023-12-19 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: GA

Complaint narrative:
Despite my previous 4 written requests, the unverified items listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.

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 2023-12-19 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: NC

Complaint narrative:
There is an incorrect Social Security Number on my report. I am unaware of this person and I suspect whomever this is has fraudulently opened accounts that has led to collections and negative marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: NY

Complaint narrative:
after trying to attempt to correct personal credit information and remove all non-medical information from my report from XX/XX/XXXX it has come to my attention that my information may have been involved in a data breach on or around XXXX, also after close research, I have discovered my private trust information is being sold by Experian, traded and exchanged in financial jurisdictions outside of the US without my express written or verbal permission. There has been a lack of transparency, disclosure, and misrepresentation as to where my private trust information is going. As the surety it is unthinkable that others have enjoyed unjust enrichment as a result of my information being traded, sold, and exchanged as it is more profitable for Experian customers to have lower scores so that they can " pitch '' various products. Also, on or around XX/XX/XXXX, XXXXI applied for the digital wallet/check checking account and I was refused access. This is outrageous, given the fact that it is my private information and credits coming from my private estate have now given that product they offer plus others, its value to be traded in financial markets.

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 2023-12-19 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am XXXX XXXX a federally protected consumer and I am disputing this alleged account with CEO XXXX XXXX XXXX Portfolio Recovery Associates. I am requesting verification under oath the name an address of the original creditor of this alleged debt .I am invoking my specified remedy as the original creditor. I am demanding that Portfolio Recovery Associates to cease and desist communications with all third parties, including XXXX, XXXX and XXXX immediately. Please do not contact me unless you are contacting me to resolve this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: CA

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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 : 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 2023-12-19 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: CA

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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 : 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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I have disputed the debt, and validation of the debt with the original creditor US auto sales due to Consumer Credit laws and it was successfully removed and reported as closed. I also had the closed account removed under consumer credit and contract laws successfully. The debt was turned over to collections with Westlake Portfolio as closed. The vehicle was then repossed and is showing as redeemed. Now it is showing on my XXXX account as open and delinquent. It also dropped my score in the XXXX range. The account is incorrect and under FCRA laws the original contact with US Auto Finance is illegal due to cash being given during a finance charge as well as the purchasing of insurance through the dealership.

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 2023-12-19 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: VA

Complaint narrative:
This is XXXX XXXX XXXX please 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 2023-12-19 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: NJ

Complaint narrative:
On XX/XX/XXXX, I sent my FTC report. My license to XXXX, XXXX, and Transunion. I have fraudulent accounts reporting on my consumer report illegally. I am filing a civil suit. I need evidence to show I followed the lawful process.

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 2023-12-19 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: NJ

Complaint narrative:
On XX/XX/XXXX, I sent my FTC report. My license to XXXX, Equifax, and XXXX. I have fraudulent accounts reporting on my consumer report illegally. I am filing a civil suit. I need evidence to show I followed the lawful process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-12-19 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: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I disputed a charge of {$540.00} out of {$3900.00} charge in my capitalone credit card ending in XXXX ( Dispute Ref # XXXX ). I have provided the treatment plan and contract signed related to this charge ( on attached document page XXXX, second visit price {$3900.00} for two XXXX XXXX XXXX  on the XXXX XXXX and XXXX XXXX, each 1980 $ ). But Capital One declined this dispute and asked for the invoice or payment receipt to show {$3900.00}. The problem is this clinic didn't provide any invoice or receipt but just went ahead and directly charge {$4500.00} without my permission. In the supporting documents iI provided to capitalone, the agreed-upon amount in the treatment plan and contract signed by the merchant was indeed {$3900.00}. I also gathered any other relevant documents that can help support your case. This includes communication with the agency connecting me to the merchant showing the price of {$3900.00}, or other evidence that can demonstrate the correct amount of the charge. I believe there has been an error in the billing, and I am disputing this charge because my contractual agreement with the merchant clearly states that the correct amount for this transaction should be {$3900.00}. Unfortunately, I do not possess an invoice or receipt specifically for {$3900.00}, as the transaction was conducted based on our contractual agreement rather than traditional invoicing for a clinical treatment and the clinic just ignored any request from me after charging {$4500.00}. As such, I need CFBPs help with that for this dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: Consuegra & Duffy, P.L.L.C.
State: FL

Complaint narrative:
This is regards to a wage garnishment that has been placed through a third-party collection agency for a vehicle that is reflecting on my credit plus wages are being garnished at the time of having the vehicle I hit a deer the vehicle was not fixed properly. I request the company to contact the insurance company to see if the vehicle could be fixed, the company did not want to help me get the vehicle fixed properly the vehicle was taken I have reached out to the third-party company in which I received paperwork from the company to request a fair hearing. I do not agree with the amount of wages that the company is garnishing from my check I have yet to hear anything back about a fair hearing From this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation