vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 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: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
We bought through American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX One of these tickets was for my daughter for my wife and me. My daughter 's ticket was bought with a previous credit that i have with Amex Travel Center and part of it was paid with my American Express, The tickets were confirmed and when we arrived at the airport to take our flight, the airline told us that my daughters flight ticket was suspended because American Express chargeback the flight ticket. We called the Amex Travel Center to resolve this issue, but they did not resolve it. It's important to mention that American Express never notified me about the chargeback, neither Amex Travel Center. We missed our flight and all the expenses we have for this travel that include hotels, tours, train, and other flights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: Experian Information Solutions Inc.
State: NJ

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.

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 2024-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of everyone with whom you verified with above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-06-02 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: OH

Complaint narrative:
TRANS UNION, XXXX, and XXXX allowed several financial institutions to make inquiries on my credit report without my prior authorization. My prior authorization and expressed written consent is always required. Otherwise inquiries being made on my credit report without consent or authorization is considered identity theft. I will not allow any company to commit any crimes against me using my identity and the likeness thereof. My privacy always comes first and it is my XXXX given right to have privacy at all times. Here is a list of the unauthorized inquires : 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 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 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 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 2024-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harpeth Financial Services, LLC
State: MO

Complaint narrative:
FYI : This is not a duplicate complaint, I made a mistake of the name of the orginal loan company name in my first complaint. It is not XXXX XXXX, it is Advanced Financial 24/7. 

I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX on XX/XX/year> and they had 30 days by law pursuant to 15 USC 1692g and as of XX/XX/year> they have failed to respond. I requested the following information below in my letter. I also advised them in my letter that, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status. 

I am demanding due to no response in a timley matter by law that this item be deleted from my XXXX report immediately were it is reporting. 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business in my state. 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter. XXXX ) Please show proof an attorney from your company has reviewed the alleged debt in question that it belongs to me and the amount in question is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I received several letters and invoices from XXXX XXXX stating that I owe {$3200.00} and that they illegally brought debt from capital one. I sent capital one and XXXX XXXX numerous letters letting them know that the debt does not belong to me. Capital one sent me a letter stating that " they sold my debt to XXXX XXXX and that i should communicate with them '' even after i told capital one " why would they sell debt to XXXX without my knowledge and without investigating if the debt belongs to me or not?. This is wrong and several violations. This debt does not belong to me. I let XXXX and capital one know that i never opened up an account in XXXX  with Capital one. and that this is a mistake in identity theft but XXXX XXXX keeps sending me letters in the mail with payment history stating this is me and i have told them it is not. I also told them that i am aware that capital one had a major data breach in XXXX that affected millions of Americans and that this could be a result of that and pXXXX XXXX keeps harassing me about the same thing over and over again. I also let XXXX XXXX know that I am aware and that I have done my research on them and that " they have been sued many times from people all over due to lack of proof and for harassing people without finding out if the debt really belongs to the person. XXXX XXXX has been sending me countless things in the mail even though i have sent them numerous letters stating this debt doesnt belong to me. This is harassment,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: AZ

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 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 non-monetary relief
Consumer complaint received 2024-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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.

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 2024-06-02 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: NJ

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
I recently spoke with XXXX regarding this account. Which is fraudulently reporting on my credit report. I was advised to file a dispute with the bureau to remove the inaccuracy from my credit report and file a complaint with the Attorney General and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: OH

Complaint narrative:
XXXX XXXX, EQUIFAX, and XXXX allowed several financial institutions to make inquiries on my credit report without my prior authorization. My prior authorization and expressed written consent is always required. Otherwise inquiries being made on my credit report without consent or authorization is considered identity theft. I will not allow any company to commit any crimes against me using my identity and the likeness thereof. My privacy always comes first and it is my XXXX given right to have privacy at all times. Here is a list of the unauthorized inquires : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: OH

Complaint narrative:
XXXX XXXX, XXXX, and EXPERIAN allowed several financial institutions to make inquiries on my credit report without my prior authorization. My prior authorization and expressed written consent is always required. Otherwise inquiries being made on my credit report without consent or authorization is considered identity theft. I will not allow any company to commit any crimes against me using my identity and the likeness thereof. My privacy always comes first and it is my XXXX given right to have privacy at all times. Here is a list of the unauthorized inquires : 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 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 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 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 non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

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

XXXX  XXXX XXXX XXXX XXXX, XXXX  Account XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  Account- XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

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

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 more than 7 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 2024-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Alorica Inc.
State: WI

Complaint narrative:
I have told this company they need to stop calling and sending me emails and texts. Ive sent emails to their customer service address only to receive automated responses back. They refuse to stop trying to contact me and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: OK

Complaint narrative:
This XXXXXXXX XXXX XXXX  Account has already been flagged as fraudulent by the credit lender. They already said they informed the credit bureaus of this information and directed them to remove this account from my credit report as a matter of law. This issue was already resolved with the credit institution and it was flagged as fraudulent. It is a {$500.00} Credit Card that was already charged off.

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 2024-06-02 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: OK

Complaint narrative:
This XXXX XXXX XXXX Account has already been flagged as fraudulent by the credit lender. They already said they informed the credit bureaus of this information and directed them to remove this account from my credit report as a matter of law. This issue was already resolved with the credit institution and it was flagged as fraudulent. It is a {$500.00} Credit Card that was already charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
This XXXX XXXX XXXX Account has already been flagged as fraudulent by the credit lender. They already said they informed the credit bureaus of this information and directed them to remove this account from my credit report as a matter of law. This issue was already resolved with the credit institution and it was flagged as fraudulent. It is a {$500.00} Credit Card that was already charged off.

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 2024-06-02 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On or about XXXX XXXX, 2023 I answered an email from XXXX offering a special price on their product & I could cancel at any time. At that time it was specified that by signing up it was agreed that future shipments for {$40.00} would be sent unless canceled. 

The above statement is the problem. When I signed up, I took no notice of XXXX 's " Rules of Cancellation '', so on XX/XX/XXXX XXXX sent them an email thinking that this cancellation was sufficient. So when requested by Citi, I stated that I had no knowledge signing a subscription agreement, then later when I found that I did agree until cancelled, I reversed my previous statement. So Citi states in enclosed attachment : " due to conflicting statements ''. In stating that I did agree unless canceled I was merely correcting the statement in which I stated that I did not sign up for a subscription. Citi bases their decision on just this and not the overwhelming evidence which I sent to them. 

XXXX states that I emailed them stating that I could not locate my account requesting they cancel my subscription.This is a false statement. Attached is my email of XX/XX/XXXX telling me that they, XXXX, could not locate my subscription.So, instead of responding to the sender of this email, XXXX, they send their answer and all future emails to a very old email address never used but XXXX time several years ago that I never received. How can I cancel without their " rules ''. I tried to cancel by email every time that I refused a shipment from the XXXX which was XXXX times & received no response because it appears they were sending emails to " XXXX '' whoever that my be.

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