vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : ( XXXX XXXXXXXX XXXX XXXX  XXXX. XXXX, XXXX ) ( XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX ) ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ) 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
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 non-monetary relief
Consumer complaint received 2023-04-13 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: OR

Complaint narrative:
On XX/XX/2023 i got a fraud alert on my XXXX XXXX transunion consumer reports. i immediately gave both agencies a call about this fraudulent hard inquiry. they informed me that the fraudulent hard inquiry would be removed within 24-72 hours. i provided both companies with an FTC report, CFPB report original copy from XX/XX/XXXX, XXXX i also made reports with the XXXX & Attorney General of Oregon complaint center.

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Delete fraud alerts from all 3 credit bureaus XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-04-13 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: EMPIRE MEDIATION SERVICES LLC
State: TX

Complaint narrative:
XXXX XXXX of Empire Mediation - They contacted my family via text and voicemail right after leaving a voicemail on my phone

Company response to consumer: Untimely response
Consumer complaint received 2023-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Recently, I was sent over to Westlake portfolio from American car center. When they did this exchange nobody had registered my vehicle. I spoke to the DMV XXXX XXXX and was instructed to get my lease agreement from West Lake portfolio in order to register my vehicle when I called Westlake, they have no lease agreement on my vehicle. Instead, they send me an Fauls agreement with the wrong vehicle on it ive asked them several times to please come up with the right agreement in order to register my vehicle so I can drive it. Ive been getting run around for about two months. They still have not sent me the correct form. They are also charging me {$30000.00} for a XXXX  XXXX XXXX, but according to my bill of sale, the car is sold at {$21000.00} which was agreed-upon

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 2023-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if - ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

Hard inquiries that require deletion ; XXXX. XXXX XXXX XXXX. XXXX  XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Credit reporting agencies transunion, and experian use the same practice .... When I dispute a negative item that has been on my report 7 plus years, they give the account a new date opened date, I don't think that is fair at all, when they give the account a new date account opened date, that allows the negative account to remain on your report... I thought once an account has been on your report 7 plus years it's suppose to fall off your report, I have positive accounts that have reached the 7 year mark and they have fallen off my report, I truly feel the reporting agencies are in cahoots with the banks, finance companies, ect... .they make it hard intentionally for you to clean up your report, because if everybody had good credit the banks wouldn't make any money, and they wouldn't be able to charge out of this world interest rates .... I think the credit reporting agencies have too much power over your finances and life, I would love to see the credit reporting agencies STRIPPED of some of the power they have over people lives .... And I would love to see the practice of giving disputed items new dates the account was opened, totally unfair practice ....

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 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act Capital One has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish an 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
While reviewing my credit report I noticed a new collection account was added. The collection company seems to be called Consumer Adjustment Company with an original creditor XXXX XXXX. I never received any communication from XXXX XXXX XXXX and I was never afforded my right to request for debt verification or to dispute the account or it's charges in violation with the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
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 non-monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: PA

Complaint narrative:
This company purchase this alleged debt from a previous debt collector that was not able to validate this alleged debt. This debt does not even exist and was not originated by me. 

I notified this debt collect with a Cease and Desist because the debt does not exist and I notified them specifically in writing by mail that that I REFUSED TO PAY THIS ALLEGED DEBT that Paramount Recovery purchased from another 3rd party debt buyer. Paramount Recovery and I never engaged in any form of business and I never contractually sign any legal obligation binding me to any allege debt that you spoke of in your letter to me dated XX/XX/2023. Therefore you do not have any original documents bearing any of my signatures, as well as the previous debt buyer whom you purchased this debt, had none either. 

I XXXX XXXX XXXX am enforcing my federally protected rights as a consumer, from this point forward. Paramount Recovery Systems L.P. is to CEASE and DESIST further communication with me and shall not! conununicate further with me with respect to this alleged debt in any form or fashion though any medium.

This Cease and Desist includes but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY, which amounts to collection attempts. To be clear the law clearly states ( if you are unaware ) the following : 15 USC 1692c ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

So therefore I am exercising my rights PURSUANT 15 USC 1692 ( C ). And if you are unaware of the definition for communication under FDCPA / FCRA it is define as follows : The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
Any medium includes any oral, written, electronic, or other medium. For example, a communication may occur in person or by telephone, audio recording, paper document, mail, email, text message, social media, or other electronic media.

You have no permissible purpose by law to contact me or any 3rd party, with my private or personal information. You also do not have any consent to access any of my consumer reporting files with consumer reporting agencies. If you do, your offenses will amount to Aggravated Identity Theft pursuant to 18 U.S.C.

1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I lost my debit chime card at a local XXXX near me and someone was purchasing things with my card I reported it to chime filed a police report and got a new debit card chime keeps denying my dispute telling me Im the one who made the purchase when I never had my card in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
On XX/XX/2021 SOUTHWEST CREDIT SYS reported on my credit report for a mouth off {$86.00} dollars. Ive spoke to XXXX on multiple occasions advising them this account doesnt belong to me. Ive never had a contract with XXXX every rep will advise this account will be taking care of or they are removing it from the system and it never is done. This is fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
A loan/credit card from XXXX XXXX is showing up on my credit report from XXXX. I was born in XXXX, which would make me XXXX XXXX XXXX and not of age to concent to someone using my social security number. Neither of my parents authorized this as well. XXXX XXXX says they cant find anything with my information on it and therefor will not help resolve the issue of it showing up on my report. I am in the process of purchasing a home and this negative mark is preventing me from the purchase. I dont have the luxury of waiting for this to be resolved, it needs to be done immediately so XXXXm able to show an accurate number for my credit score. 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 2023-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: PA

Complaint narrative:
I used the XXXX service of Afterpay for around {$1700.00} worth of XXXX gifts in XXXX and XX/XX/2022. Right after XXXX, I was made aware that I was being laid off instead of being able to take XXXX XXXX. I contacted Afterpay to proactively alert them that my circumstances had changed. They worked out a manageable payment plan. I recently found new work and paid off my payment plan early and requested that they reinstate my account. I originally had a {$2000.00} spending limit but now, despite my best efforts, theyve reduced my preapproved amount to an insulting {$100.00}. They shouldnt be able to penalize someone for doing the right thing - I never let my payments with them fall behind and I proactively worked with them to avoid this exact situation. This seems like theyre discriminating against me for being XXXX  and for struggling during an event in my life that was entirely out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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 ARE ADDRESSES ON MY CREDIT REPORT THAT ARE INACCURATE AND MUST BE REMOVED AS THEY ARE HINDERING ME FROM PROPERLY FILING FOR FURTHER CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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 — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Here is the issue. Recently I purchased stamps ( XXXX rolls ) for which I should have been charged {$85.00} with shipping ( the screen shot attached ). However the item charged was actually {$89.00}. I reached out to the merchant however I received no response so I contacted Barclays Card at the number listed for disputes XXXX. The XXXX based CSR informed me that actually they do not have a capability/authority to address the charge back issue so I then asked to have someone with the supervisory role in the US to call me since the CSR did not comprehend what was being told ( ie. she asked me for a proof of the transaction after she was told I have had screenshot attached to it ). I was told that the callback will be scheduled on XX/XX/XXXX at XXXX. The call back didn't happen. On XX/XX/XXXX I was told that by the CSR again based in the XXXX that I am unable to get a supervisor in the US and all she can do is to throw me back into the loop to hopefully I can get someone in the US authorized to address a {$4.00} charge back issue. I then called again and allegedly got someone in the US who then informed me after a very long conversation that they have to put me on hold to speak to so-called dispute department to address is as this person is obviously unauthorized to address the issue. I was also informed that Barclays USA has a 15 day rule from the date of purchase to allow a transaction dispute which is completely crazy as it is completely contradictory to any idea of proactive fight against fraud and financial abuse.

It is evident that the Barclays USA is making any kind of dispute transaction extremely hard and impractical so the customers simply get tired and go away. Well I am not going to go away and I expect Barclays USA to provide a service based on professionalism and basic metric of customer service instead of arrogance and completely polite but nonetheless disrespectful way of doing business.

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 monetary relief
Consumer complaint received 2023-04-13 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my credit report and all information related to this matter. 

The fraudulent accounts are as follows : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to include hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation