vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 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: Westlake Services, LLC
State: IL

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. 

I told the XXXX and XXXX, to reinvestigate this account : Account name : western Funding Account name XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with credit reporting. I have evidence to prove my case.

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 2023-09-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC
State: AZ

Complaint narrative:
XXXX is the company that sent me to debt collection. 

I moved my account to XXXX in XXXX  from XXXX. They immediately cut access to online management once I ported numbers to XXXX. 3 months later they finally sent me a statement saying I owed them over {$800.00} with zero justification on the charges. The balances do not make sense, trying to charge me for charge backs when the account was never charged. Balance has since multiplied to {$1500.00}. XXXX  rep would not listen to me explanation and sent be to two different collection agencies and now I have legal representation. Again, not able to view any statements or charges, XXXX sent generic account information that is inflated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon trying to get XXXX wireless cellular phone service I was informed by one of the representatives that I had accounts open in my name that I did not authorize or know anything about for over a XXXX dollars. The fraud prevention specialists then inform me to make out a police report and provide proof of my address and identification and send back to XXXX XXXX. Upon doing that I looked on my credit report and notice all types of inquirys and accounts in my name that I didnt authorize or know anything about. Someone run my credit for a car loan and put more then ten inquirys on my credit. Also I have inquirys for XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX Also a account for XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon trying to get XXXX XXXX  cellular phone service I was informed by one of the representatives that I had accounts open in my name that I did not authorize or know anything about for over a hundred dollars. The fraud prevention specialists then inform me to make out a police report and provide proof of my address and identification and send back to XXXX XXXX. Upon doing that I looked on my credit report and notice all types of inquirys and accounts in my name that I didnt authorize or know anything about. Someone run my credit for a car loan and put more then ten inquirys on my credit. Also I have inquirys for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also a account for XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX that i did not authorize.

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 2023-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I found an unauthorized charge from a company called XXXX XXXX  I contacted them and they said it was used by Paypal but they would not issue me a refund. I contacted paypal and they took down my dispute within a hour with no investigation. In addition, Paypal refuses to let me add my bank account on here so someone using my information without my approval. It says someone else using my bank account number which does not make sense at all. All I get is foreigners disrespecting me when I chat to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a dispute to TransUnion pertaining to my personal information and accounts XXXX XXXX XXXX XXXX XXXXXXXX via certified mail ( tracking number XXXX ) received XX/XX/XXXX. On XX/XX/XXXX I received confirmation from Transunion that the dispute was complete. On XX/XX/XXXX, 31 days after my initial dispute was received, I generated another report from TransUnion website file # XXXX ( proof attached ) to verify the changes made to my report. I sent another certified letter to TransUnion ( tracking number XXXX ) received XX/XX/XXXX to advise I disagree with the results and request proof of negative payment history as well as a description of the procedures used to reinvestigate. Surprising I also did not see a clear note that the two accounts were in dispute by me. As of XX/XX/XXXX the notice of dispute still has not been added. This is a direct violation of my rights under FCRA 623 ( a ) ( 3 ). In the initial dispute I provided a copy of my ID, a copy of ss card, a copy of a recent utility bill, and I have now notified TransUnion multiple times that the additional addresses listed are not valid. Again, another blatant disregard for the law under 15 usc 1681s-2 ( a ) ( 1 ) ( B ).

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 2023-09-26 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: TX

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: TX

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 an 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 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I discovered several fraudulent accounts on my Credit reports from Home Depot being serviced by Citibank. I decided to give up and settle on account ending in XXXX  which had a balance of XXXX. 
On XX/XX/XXXXXXXX  I made payment in full with my debit card. The payment cleared my bank they are now refusing to provide a paid in full letter, acknowledging they received my payment and report XXXX balance to credit bureaus causing me prejudice to 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 2023-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Primus Law PC
State: UT

Complaint narrative:
I received a debt notice that is obviously not mine. I have tried to contact the associated law firm but I have only gotten voicemail. This is for a missing XXXX for a high school student that is not my child. I believe that this debt is fraudulent, and I have to question the validity of any other debts that I may or may not be responsible for in their office. The document clearly shows that this debt does not belong to me, and they are threatening to sue me over it. 

The law firm 's name is Primus Law, PC. Lawyer 's name is XXXX XXXX XXXX. I requested any and all paperwork they have regarding my supposed debts, which I received on XX/XX/ ( file number XXXX ). ID # XXXX with XXXX XXXX XXXX as the debtor. I know this document was researched by this firm because they sent me a scanned copy of it. It clearly lists who the debt belongs to, but for some reason my Wife 's name is hand-written on the copy with a false phone number. I believe that this is a predatory operation and I question the legitimacy of their law license. 

Anyone who is literate will immediately understand that this is not my debt. 

Please contact me at your earliest convenience.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
I sent an email letting them know that I can't reach anyone. They have not replied. No one answers their phone. No one monitors their chat. It is impossible to adress an issue ( and I have one as I have discovered a mistake on my account ) because there is noone at Aidvantage to communicate with. It is a dead end, and all the while the issue goes unaddressed. They do not answer their phone during open hours of the day ( Moday XXXXXXXX XXXX XXXX, Tues-wed XXXXXXXX XXXX XXXX Thursday Friday XXXX XXXX XXXX XXXX XXXX 

I need someone from AidVantage to contact me asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Re : XXXX XXXX XXXX .... 

Attempted several times to try to correct this misreported information I do not have an account with XXXX and did not have this account with XXXX. I need to know why this information is reported and not removed for it is fraudulent

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 2023-09-26 00:00:00
Product: Credit reporting 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: RI

Complaint narrative:
There may be a mistake, these accounts are not mine and they may be affecting me. You can remove them. 
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 non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I made a purchase of an electric dryer from XXXX XXXX on XXXX/XXXX/XXXX  and paid {$660.00} using my PayPal account., the order number is XXXX. The order includes, cable, 30 ft hose and haul away the old dryer. 
XXXX XXXX came to my house on XX/XX/XXXX  to deliver the new dryer. However, XXXX XXXX did not provide all the supplies required and paid for the installation. 
They left the dryer uninstalled and left. I called them on the XXXX of XXXX, and they were supposed to call me back. No one called me. Then I sent them an email asking them to take the dryer back. NO Response. I have attached a copy of that email here. 

I then hired another contract and bought the missing parts and installed the dryer, The missing parts that I paid to XXXX XXXX costs {$30.00} and spent additional {$100.00} to complete the installation. 

Since XXXX  XXXX did not respond, I file a dispute with PayPal. I submitted all the information abut PayPal asked me to submit more information, which is basically, same information that I have already submitted. Yet, I resubmitted all the information and proof. 

After waiting for a month, PayPal sent me a generic email that my dispute is closed since the item was changed and they can not determine what happen. 

So, do these people at PayPal expect me to watch the uninstalled dry for over a month? I doubt Pay Pal did any investigation as they have not shared any outcome or vendors response with me. This makes me believe that PayPal is in improper business practice. PayPal misleads consumers and provides false information. 

I want PayPal to refund the {$30.00} for the parts that their client XXXX XXXX failed to deliver and an additional {$100.00} that I paid to the 2nd contractor. 

I also want PayPal to completely close my account that I was not allowed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an offer from a utility company. XXXX XXXX, mailed me out a offer of {$600.00} to switch my utility switching fee would be paid. acct # XXXX. 
XXXX XXXX, acct # XXXX XXXX XXXX was prior utilitiy. early cancelation fee was {$600.00}. After speaking with a XXXX. I switched over. that conversation took place. after giving all my info the XXXX. I spoke to a rept. gave the information from my mail of {$600.00} dollar switch over fee to that representative. I informed the representative to secure my closer fee to reliant. I informed the XXXX representative, I was not renewing my lease. When I find a cheaper resident, I would be in contact with them, now that was at the time of registering with XXXX, in XXXX. XX/XX/XXXX, I requested service be out of my name as of XX/XX/XXXX. Now this XXXX company. is now back stepping their agreement. I have struggle paying a few utility bills on time but always caught up. 
XXXX are taking advantage of me. I have been XXXX! Causing a collection company to effect my XXXX XXXX XXXX yrs. The collection XXXX XXXX XXXX ( XXXX ), report # XXXX. XXXX is now XXXX up a higher utility bill for XXXX, XXXX. And for the month of XXXX and XXXX for a XXXX of {$500.00} some odd dollars. I was out of my appartment on XX/XX/XXXX. They tell the shut off order the sales representative got disconnected. No way there was repeatedly informed him to disconnect. 
On top of this is I could no longer afford to pay my rent located XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, after XXXX yrs. of residency. ( On XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
ANSWERING A FINAL JUDGMENT ON A MOTION FOR WAGE GARNISHMENT ON XX/XX/ I SENT THE CHEK # XXXX FROM XXXX ON THE AMOUNT OF XXXX. THIS CHECK WAS SENT BY CERTIFY MAIL TO PORTFOLIO RECOVERY ASSOCIATES AND RECEIVED BY THEM AS I CAN SHOW COPIES OF IT. 

UNDERSTANDING THE WAY THINGS WORK, THE GARNISHEE WITHDRAWN FROM MY PAYMENT IN TWO PAYCHEKS THE AMOUNT OF XXXX. UNTILL, WE ASKED TO STOP SINCE WE SATISFY THE PLAINTIFF IN THE TOTAL AMOUNT OWE. 

AFTER SEVERAL PHONE CALL WE WERE PROMISED THE RETURN OF THE AMOUNT PAID IS EXCESS. ON XX/XX/ WE SENT A CERTIFY LETTER ASKING FOR THE RETURN OF THE AMOUNT THAT NOW OWE US. SINCE THAT DATE NO COMUNICATION, INFORMATION OR ANYTHING HAVE BEEN RECEIVED. 

ON XXXX XXXX WE SENT A CERTIFY LETTER TO THE OFFICE OF THE ATTORNEY GENERAL OF THE STATE OF FLORIDA ASKING FOR HELP IN THIS MATTER. 

AN EMAIL FROM XXXX XXXX FROM THE XXXX XXXX XXXX XXXX FROM THE ATTORNET GENERAL OFFICE RECOMEND TO CONTACT THE VIRGINIA ATTORNEY GENERAL SINCE THE COMPANY IS LOCATE IN THIS STATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've tried to cancel my Experian account several times but I keep getting XXXX alerts from them. I told them to delete all my information and not contact me anymore while speaking to an agent and they assured me they would cancel my Basic account but I still get dozens of emails from them every month. Its beyond infuriating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: VA

Complaint narrative:
I have been trying to defer my loans since we were made aware that forbearance was ending in XXXX, when I got in contact with the loans ( because their website was out of service for a couple of months ) they asked me to contact the school to provide information. The school informed me that there is nothing else they need to do since they have done everything on their end to prove I am in school. I have since not been able to get in contact with Edfinancial because their live chat is ALWAYS unavailable. Their call center is a long wait time and I never receive the requested call back. When I do wait for an agent I waited for two hours before I gave up, requested a call back and again, never receive it. 
Whenever I go onto their new website I am always unable to upload any documents such as a deferment form because when I upload, the website crashes every time without fail. I can not do anything to fix my problem because I either cant reach someone to help or the tools available to help myself are broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
XXXX XXXX  Someone opened an Affil account In my Name and used my Social Security number, The house address is XXXX XXXX XXXX XXXX XXXX La XXXX Im I was un aware of this action, Please Contact me or notify this person ASAP

Company response to consumer: Closed with explanation