vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am in the process of buying a home. I learned that there was an alleged debt owed to Capital One being pursued by a collection agency named XXXX XXXX XXXX XXXX and XXXX. This was a surprise because I am confident I paid the debt in 2020. At that time I settled a couple of delinquent accounts with credit card companies and medical bills. It is my recollection that XXXX XXXX XXXX first contacted me about this debt and subsequently XXXX XXXX began collection efforts on behalf of this debt. Because of the time that has passed, I contain locate the records. Therefore, I contacted XXXX to get information. I also contacted Capital One. Neither entity has responded. I provided the CFPB a copy of that letter. I believe the parties have failed to verify this debt because it was in fact paid to one of the collection agencies but my account was not credited. Moreover, I believe this debt may be time barred pursuant to the statute of limitations. I believe my recollection of the events is correct because for a period of time after 2020 this debt did not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: IN

Complaint narrative:
I asked the credit bureau to identify the accounts reporting, and I was sent a letter stating that everything was accurate. After refreshing my report, I found improper accuracies even after they said that they did a full sweep. 

Here are the accounts : XXXX XXXX Account XXXX XXXX. XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX. XXXX Account XXXX Please remove it from my credit report. 
XXXX. XXXX Account XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX Account XXXX In accordance with the Fair Credit Reporting Act Convergent Accounts listed above, 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 an account without my written instructions.

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 2023-04-20 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: CO

Complaint narrative:
Even though I have provided proof that an account ( XXXX  ) is open under my name due to fraudulent activity, Equifax has left it on the report. I have previously been impacted by increased rates costing my higher monthly premiums. Now I am getting rejected for what was previously pre-approved credit from companies ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I am a victim of Wells Fargo Mortgage and should be included in the recent settlement between CFPB and Wells Fargo due to the bank 's " illegal practices, including ... ... incorrect fees and interest charges. '' However, I never received any notice from Wells Fargo about this settlement. 

I submitted a complaint to CFPB on XX/XX/2017 ( case # : XXXX ) but was closed by CFPB without any solution.

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 2023-04-20 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: DE

Complaint narrative:
I have disputed items and an investigation ( 15USC 1681a ( e ) ) was not done. I called and was told their investigation was send over my dispute to the same company ( entity/corporation ) that committed and or allowed the identity theft, and Fraud to send over the same fraudulent documents and say it was verified ( 15USC 1681q ( 3 ) ). I do not own the debt and or did not make the transaction or consent or give authorization to a contract. 15USC 1681c ( 2 ) 15USC1681a ( 2 )

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 2023-04-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Westlake Services, LLC
State: TN

Complaint narrative:
On or thereabout on XX/XX/XXXX XXXX XXXX XXXX XXXX American Car Center filed XXXX XXXX Bankruptcy in the state of Delaware. As a result, WPMS servicing took over the handling of the account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX. American Care Center is breach of contract for failure to apply payments and down payments to this account. The amount owed to purchase the car is disputed in which WPMS will not provide information related to the purchase and contract. American Car Center has failed to disclose the APR rate and has changed these rates without notification or justification. American Car Center did not notify me of the change or sale of the account in the time prescribed by the consumer law. The Truth in Lending practices have been violated in transition of the account and title. The car warranty was never upheld resulting in out of pocket expenses with no ability to be compensated.

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 2023-04-20 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: CO

Complaint narrative:
Even though I have provided proof that an account ( XXXX  ) is open under my name due to fraudulent activity, Experian has left it on the report. I have previously been impacted by increased rates costing my higher monthly premiums. Now I am getting rejected for what was previously pre-approved credit from companies ( see 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 explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
I have had an ongoing struggle with American Express refusing to stop sending my mail to my grandmother 's address in Georgia. Previously, I filed a complaint here to which they responded that they had the right to contact me at any address that I had provided them with or that they reasonably believe I can be contacted at. After this, the case was closed as I had no way I could counter them. However, it has now been a year, and I have changed the address on my account and instructed them not to send any mail to my grandmother 's address as it is not associated with me, they can not contact me that way -- I am not even in the state -- and they do not have my or her permission to send mail to that address. That previous complaint was closed in XXXX of last year, XXXX. It is now XXXX of XXXX and they are still sending mail to my grandmother 's address in Georgia, while I am in Maine. I have contacted the collections agency in charge of my account and verified with them that my address is correctly stated on my account as my current Maine address. I also explained to them the problem, and they told me that there is no reason why American Express should be sending any mail to my grandmother 's address. 

I have looked through the statement that American Express included with the last complaint, as well as my contract with them. I can not find anywhere that states that they should be allowed to continue sending mail to an address not affiliated with me after I have made several attempts to change it. Moreover, the fact that the collections agency agreed that my address was stated correctly AND that they did not see any reason why American Express should be sending any mail regarding my account to an address that is not mine and not on my account is highly disturbing. American Express has continued to be aggressive, dismissive, and rude. They may have been able to use the contract to push the blame onto me last time, but I fully believe that this time they can not do so, as I have learned from our last interaction and have done my reading this time, using the last complaint 's correspondences to understand the situation and what my rights are. I will not stop fighting this until they stop sending my mail to an address that they have no right to be using. I have repeatedly told them that that address is not affiliated with me and can not be used as a way to contact me, I have updated the address on my account, and have discussed this with the collections agency and confirmed that there is no reason why American Express should be sending mail to that address. They MUST cease and desist immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: LA

Complaint narrative:
Incorrect information reported and errors

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 2023-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cashapp denied refund request after I claimed transactions were fraudulent. I was told that they would show me the documents that resulted in their decision. They shut the case hours after I made it and the document I requested they send had nothing to do with my account. When I called they had no documentation pertaining to my case to give me. I was told that they made an error in my request and they would send the correct document later. This makes me believe that they closed my case without so much as an investigation. Then they finally sent me an email with documentation pertaining to my case and all it was was a screenshot of the three transactions that I claimed were fraudulent. That proves nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: LA

Complaint narrative:
I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with Equifax through arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Lakeview Law Group, PLLC
State: IL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX entered into a contract with me as a consolidation program to consolidate my debt and make one easy payment to them, and they would pay my debts. They did not pay those debts, and now all of my accounts are in charge-off status. This company did not make any payments on these accounts, as far as I can see, and has been ACH withdrawing from my bank account since XX/XX/XXXX. 
As of XX/XX/XXXX, I have paid them {$57000.00}. The first 9 payments were for {$560.00} and the last two payments have been for {$610.00}. 
They claim to be a credit repair company, and now my credit is completely ruined. 
I asked for a full refund and they are refusing to do that. 
I have recorded the calls where I stated that I will only accept a full refund of the money I had paid, less the " settlement payments '' that they claim to have made. However, they did not provide those " settlement agreements '' at any point in our time of working together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: LA

Complaint narrative:
I, XXXX XXXX, never gave Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : 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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have sent letters to TRANSUNION multiple times requesting the information on my consumer report be verified with original documentation to verify it the information on the report is correct. Transunion has yet to send me any documentation on this matter. I am a victim of identify theft and I have file a report with https : //www.identitytheft.gov XXXX  - {$1300.00} - XX/XX/XXXX XXXX XXXX - {$6800.00} - XX/XX/XXXX XXXX XXXX XXXX {$17000.00} - XX/XX/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 2023-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service Company, INC
State: TX

Complaint narrative:
I received my credit report the beginning of the new year and notice somethings reporting in error. XX/XX/2023 I sent out letters to XXXX, XXXX, and XXXX regarding inaccurate and unknow items on my credit report. The following month on XX/XX/2023 I sent out certified letters to both Credit Service Company INC and Envision imaging s XXXX with no response from Envision imaging. After feeling helpless and ignored I did some research and found out that section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately removes this item from my credit report. It has now been well over 30 days which means it needs to be deleted promptly. I demand this account to be removed immediately or I will have no other choice but to file litigation due to the stress this is causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/2021 I started receiving text messages, saying my phone number and email were changed for the account so I immediately called customer support to inform them my account was getting hacked during the time I was on the phone I received my direct deposit then while I was on the phone, they transferred my money and took it all out of my account, which I believe since Im informing them that my account is getting hacked it shouldve never let any transactions go through but they did and when I filed a dispute, they denied it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have an account named community bank/jared XXXX XXXX on my XXXX credit report this is the first XXXX digits of the account number XXXX I do not have the last XXXX digits of the account number sorry. you are in direct violation of the fair credit reporting act has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: AK

Complaint narrative:
on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXXXXXX XXXX states they have no record of it yet they are appearing on my Transunion account. XXXX XXXX has submitted a dispute and XXXX XXXX XXXX  has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires.

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 2023-04-20 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: ALLY FINANCIAL INC.
State: AK

Complaint narrative:
on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXXXXXX XXXX states they have no record of it yet they are appearing on my XXXX account. Ally Bank has submitted a dispute and XXXX XXXX XXXX has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires.

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