vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 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: VA

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. 
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 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 2022-11-22 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: VA

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. 
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-22 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: GA

Complaint narrative:
I am being Harrassed by Resurgent/LVNV Funding regarding a debt from XXXX XXXX XXXX XXXX XXXX I did not give XXXX XXXX XXXX XXXX permission to share any of my personal information to Resurgent this is a violation of the Federal Credit Reporting Act. I did not signed anything with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is aware of the unauthorized charges due to my roommate stealing my debit card and using it. I did not make the charges. Also, Im requesting copies of every transaction to this account along with signatures on every transaction. Also, I would like for Resurgent to provide me with information on how this account was obtained and how much they paid for this account. I should have been notified that XXXX XXXX XXXX XXXX was selling my account to a junk debt buying company prior to account being sold. Again I am requesting all the above information to be sent to me within 30 business days. I am not responsible for this debt and I will seek guidance from a man attorney immediately. This company has harrassed me by phone and by mail after I informed them I didnt owe the debt. If this company report anything to the credit bureaus I will file a lawsuit for damages to my personal credit report. XXXX XXXX XXXX XXXX never reported this account die this account being a checking line of credit. Resurgent does not have the right to report anything to the credit bureaus. I want a copy of all transactions and signatures immediately. If I am harassed again I will file a lawsuit. I do not owe anything. I want to see all documents that were provided to Resurgent from XXXX XXXX XXXX XXXX. I did not agree to them selling or providing my personal information to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 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: IL

Complaint narrative:
I am the unfortunate victim of a fraudulent credit card being created, used, and " charged off '' to a collection agency. 

I have attempted to reach out directly to the original creditor ( XXXX XXXX ) and also the company that holds the debt now ( portfolio recoveries ) but have not made any progress after following through with requested process. 

I have tried on multiple attempts to explain the situation to them regarding the account with what little knowledge I have on the account after discovering it on my credit report a few years back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: SC

Complaint narrative:
Experian reporting that I owe XXXX {$680.00}. I paid the account out in XX/XX/2021. It should have XXXX balance.

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 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I've had the credit card since XX/XX/XXXX. Recently, I started adding some friends and family members to the card in an attempt to help boost up their credit cards. Chase charges me {$75.00} for each person that I add on for a new card and there was no stated limit to the number or frequency of how many people or who could or couldn't be added. ( Never got a warning, phone call or anything about it. ) On XX/XX/XXXX I got a phone call from Chase, ( which I missed because I was at work ) saying they were reaching out for potential fraud. I called back on the XXXX when I realized my account was closed. I called the fraud department back and explained that It was actually me that added the authorized users. The woman I spoke with said ok, and told me she was going to reactivate my account and overnight new cards to me. When I got the new card, I called Chase as directed to activate the card. After speaking to XXXX different people in " the right department '' I was told that my account was permanently closed and would not be reopened. I asked why, and I was told because of the authorized users I added to my account. To me this is unacceptable. I have been a loyal customer with this card for over 5 years, never missed a payment or had any other issues. If there was a limit on the authorized users, I could add or certain criteria, that should have been posted or stated. Instead, I received no warning, correspondence or solution besides being treated as a criminal and closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I sent my daughter {$200.00} thru my banks on line transfer service. This is called XXXX. However she never received the funds. I filed a complaint with my bank Wells Fargo ( been with XXXX ) A week later I called to get status & was told the fraud department had an outage & was unable to receive calls. This went on for 3 weeks. During this time I contacted XXXX who told me because I used WF app they could not talk to me. Since this time I have called WF & XXXX many times. All I have been able to get is WF closed my complaint because they found no fraud. WF was told by XXXX that they sent the money to bank account connected to the phone number on the account which happens to be a disconnected number. 
When I tried to explain this to WF they said the case is closed. They will not help me further on this matter. When I call XXXX I get disconnected. XXXX transaction number is # 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 2022-11-22 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: IL

Complaint narrative:
Although XXXX, Experian and XXXX did remove " some '' of the unauthorized accounts and inquires, a few more remain.

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 2022-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have informed them that these debts are not mine and they submitted inaccurate information. They continue to harass me and call me from blocked numbers. They have even called my parents and served my parents at their home and then lied to the courts stating they served me. They also called my brother and his wife and a previous employer. They have lied and caused me a great deal of humiliation and embarrassment and mental anguish. Because of them, I can not get a home or a vehicle. I am living with family members and no longer have a vehicle. My life has been ruined and destroyed because of their tactics and I feel helpless. They keep insisting I pay for this debt that I do not owe and have resulted to continuously send letters to my parents residence and they keep trying to push me to settle with their attorneys. Their attorneys have called and left multiple voicemails which I have on my phone and am able to produce. they claim they do not have to remove the debts when the statute of limitations is up but they indeed do. They are trying to ruin me financially and they are discriminating against me because of the XXXX of my skin. They attached a letter to the last response stating I am a XXXX XXXX. I have seen where others have been discriminated against them due to race. They purposely try to ruin minorities. Please see attached letter. I will not be paying these debts because I DO NOT OWE THEM so I request they stop sending letters requesting I pay them and work with their attorneys and remove the collections at once. I am currently working with an attorney to file a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have sent the Right to Rescind, Affidavit of truth, & All accounts prepaid affidavit on the XXXX of XXXX, delivered on XX/XX/XXXX. Credit Card balance of $ XXXX.I received a notice stating my account will be closed XXXX/XXXX/22 as I stated clearly I'm accepting for value and returning to the sender extinguished as a Mutual offset credit exemption settling & satisfying the account NOT CLOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I was corresponding to my attorney via email and I did not realize that her email was hacked. Someone was impersonating her and requesting that I made payments on my account. I offered to send a check out with the full balance of my account and they said they preferred that I wire the money instead. Thinking that this was my attorney making the request, I offered to send payment through Zelle and they gave me an email of someone who I thought was an accountant at the law firm. I sent two payments through Zelle. One for {$500.00} on XX/XX/ and another for {$460.00} on XX/XX/XXXX  I called my attorney to confirm the payments and she did not have any idea about the payments, she never requested that I make any payments. It was at this point that we both realized her email was hacked and I was scammed. I called my bank ( XXXX ) and they told me that they could not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One XXXX XXXX XXXX to Benefits states on page 11 Trip Cancellation/Interruption : In the event of the Insured Person 's Trip Cancellation or Trip Interruption, we will pay up to the Trip Cancellation/Trip Interruption Benefit Amount of {$1500.00} XXXX To file a claim on any of the offered services, Capital One directs its customers to call XXXX XXXX. 
I purchased a plane ticket under the assumption that I would be covered should I have a trip interruption. On XX/XX/XXXX, I XXXX XXXX XXXX and am unable to travel until XX/XX/XXXX as per XXXX XXXX XXXX I called the XXXX number on XX/XX/XXXX and was told that the stated benefit did not exist. I called Capital One who in turn call the XXXX number and was informed that the Trip Cancellation benefit did not exists in spite of their guide to benefits stating it had a benefit up to {$1500.00}. A " case '' was opened to investigate the problem. I received a call on XX/XX/XXXX and was transferred again to XXXX XXXX. Capital One will not refund the cost of my plane ticket as it is a benefit of XXXX XXXX not Capital One. However Capital One should be held responsible for their false Guide to Benefits advertisement on which I based my decision to purchase a plane ticket without personal insurance coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: DE

Complaint narrative:
I looked over my consumer report and I noticed some inaccurate information. As a result, I filed a dispute with Equifax. By law you are required to investigate anything that is furnished on my consumer reports. Can you please tell me what method was used to investigate these inaccurate items and how you came to the conclusion that they are accurate? It was recently proven that Equifax has not properly handled consumer disputes because they do not conduct proper investigations. I submitted a police report with my dispute of the fraudulent information and it still has not been blocked or removed from my consumer file. 

I never consented to this information being furnished and this infringes upon my right to privacy. I am demanding this information be deleted permanently or I will escalate this and hold you liable. 

The following are the inaccuracies on my report : XXXX XXXX Account # XXXX The below listed inquiries are inaccurate and were unauthorized by me. I never gave these creditors authorization for Equifax to furnish my credit report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These credit bureaus continue to ignore my written request for disputes and there are " errors '' with their web applications that keep me from filing online. 
When I call in I get transferred, put on infinite hold, disconnected, or the run-around. 
There is incorrect information repeatedly reported regardless of the proof I send of payment, etc. 
I have been unable to get a mortgage and have an astronomical interest rate on my vehicle due to this and no resolution for YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These credit bureaus continue to ignore my written request for disputes and there are " errors '' with their web applications that keep me from filing online. 
When I call in I get transferred, put on infinite hold, disconnected, or the run-around. 
There is incorrect information repeatedly reported regardless of the proof I send of payment, etc. 
I have been unable to get a mortgage and have an astronomical interest rate on my vehicle due to this and no resolution for YEARS.

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 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX  opened XX/XX/2014 is an account that was fraudulently open 8 years ago. 

Yes this is fraud, however ; this is an account older than 7 years and must be removed on that very fact alone.

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 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a priority mail letter to Experian to remove an inquiry that was made on XX/XX/2022. This inquiry was not a permissible purpose in pulling my credit without a firm offer of credit. 
I requested to delete this inquiry in an effort to maintain an accurate credit file and reflect my creditworthiness. 
This is a clear violation of the Fair Credit Reporting Act.

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 2022-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
FCR Collection Services has been contacting me via robocall and text message since XX/XX/2022 for a debt that I do not owe to XXXX. 

XXXX has not provided me with a written debt validation notice or any basic information. 

Between XX/XX/XXXX and XX/XX/XXXX, FCRs messages did not reference any company name. I assumed these were phishing attempts and did not respond. On XX/XX/XXXX, XXXX referenced XXXX by name for the first time. They texted me again on XX/XX/XXXX and named XXXX. Since then, they have robocalled and texted me numerous times, but XX/XX/XXXX and XXXX are they only dates XXXX has been referenced. I am attaching XXXX screenshots. First ( Attachment XXXX ), the transcription my XXXX provided of the first voicemail I received on XX/XX/XXXX ( note that my phone incorrectly transcribed XXXX as XXXX ). Second ( Attachment XXXX ), the XX/XX/XXXX and XX/XX/XXXX messages that first referenced XXXX. 

On XX/XX/XXXX, I sent XXXX a letter by certified mail to the address on their website disputing the debt and requesting a written debt validation notice. The letter was returned to me as undeliverable. I am attaching a PDF of my letter ( Attachment XXXX ), as well as a photo of it returned ( Attachment XXXX ). 

XXXX continues to contact me by robocall and text message. I am attaching screenshots of a voicemail I received yesterday, XX/XX/XXXX, that shows they continue to not provide any basic information about the debt ( Attachments XXXX and XXXX ).

Company response to consumer: Closed with explanation