vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have send a previous letter with the fraudulent inquiry but it has not been removed from my consumer file. 
On XXXX XXXX XXXX XXXX was added to my file without my consent. Delete immediately.

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 2023-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners
State: CA

Complaint narrative:
On around or about XX/XX/2023. XXXX XXXX in an attempt to collect a medical debt in the cost of {$1000.00}, reported to XXXX, XXXX, and XXXX without my knowledge. This caused damage to my XXXX XXXX with all 3 credit bureaus and also my bank causing my XXXX XXXX to drop drastically, preventing me from making a large purchase. I wrote them a letter asking them for proof with my name and signature. They sent me a letter back in response but failed to show proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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:
In accordance with the Fair Credit Reporting act, 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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: GA

Complaint narrative:
I wrote a letter to XXXX over 90 days ago and I still have not received an response from them regarding a debt they have added to my credit report. So my problem is I didn't receive notice of right to dispute and when I contacted them they never responded to verify the debt when I asked for it back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
Wakefield  Collections Agency- Unscrupulous collection practices I started receiving reporting in collection notices from Wakefield and Assoc shortly after. The creditor was listed as " XXXX XXXX XXXX '' - which I have never done business with. The remaining balance is {$820.00}. I have requested information/ statement about this account and haven't heard nothing back. They are claiming wrong information. 

I know per my research they are crooks trying to steal money from people. with no accounts associated to them. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: NC

Complaint narrative:
On XX/XX/XXXX I received an alert that there was an new credit account on my credit report for a company called XXXX XXXX in XXXX Wisconsin. I immediately put in a disputes with all XXXX bureaus, had a freeze place on my credit reports and a XXXX alert placed on my credit reports and made a police report. I called XXXX XXXX about this account because I assumed it to be opened fraudulently upon speaking to XXXX XXXX and then a XXXX XXXX at XXXX XXXX I was told that the account did not belong to me that it belonged to another person with a similar name as mine this person also lives in another state. A state that I have no association with. After a 30 day investigation XXXX removed the item and address off my credit report stating that after their investigation it was found that the account did not belong to me. Yet Experian and XXXX refuses to remove the account or address off my report stating that the account is being reported as mine from the creditor and is associated with my social security number which is not true. I contacted the company XXXX XXXX again on XX/XX/2023 and was told that the account was not mine and that they are not reporting the account as mine that it belongs to another person with a similar name as mine and that the Experian and XXXX have made a mistake in there finding. I have been trying to get this taken care of for the last 3 months and both companies Experian and XXXX refuses to investigate this properly. If they did their investigation properly they would have found that I have never lived at or have any association with the address belonging to the account and that the company XXXX XXXX does not have me on file as having an account with them. These companies are refusing to investigate properly and will not remove the address or account that does not belong to me 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 2023-10-10 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: CA

Complaint narrative:
I suspect these accounts are the product of identity theft : XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$170.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: CA

Complaint narrative:
I suspect these accounts are the product of identity theft : XXXX XXXX {$0.00}, XXXX XXXXXXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX  {$170.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI

Complaint narrative:
I opened an account with Citizens Access in the beginning of XXXX. Shortly after they put my account on hold and since then I have not been able to access my account and they couldn't tell me when I would again have access to my funds. They told me I could make my cu that sent the money put through a hold harmless to reverse the funds, however, my credit union warned me about sending funds to them so I do not know want them to have to deal with trying to get access and my money out of that account. I tried closing the account and they informed me since it is on hold they can not close the account either. Since XX/XX/XXXX I have had XXXX calls with Citizens Access. They continued to send me bank statements however because my account is on hold I can not even access the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear agent, I recently moved from XXXX last XXXX due to job offer as doctor at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As soon as we arrived, my wife and I opened a joint account at Chase Bank. 

My wife is also a doctor and our house income is expected over $ XXXX. 

Since the opening date we are facing problems with Chase to get a Credit Card. 

I understand that as foreign individuals, we don't have US Credit Score, although we have XXXX XXXX XXXX. However, our professional positions and family income should be relevant to obtain a descent credit card and credit limit. 

After many discussions a Credit Card with {$5000.00} limit was issued. Since then, the credit card has been paid weekly with absolutely no delay on payments. 

Now, 3 months after, I requested to increase the credit limit since {$5000.00} does not meet my family 's needs. As you can imagine, we are in 4 and our expenses are high.

For example, we are booking our holiday trip and I can't by the flight tickets for we all because the limit is not enough.

For my surprise, Chase, AGAIN, denied my request. 

Here are the main factors for a Credit Score : 1 ) Payment history : Absolutely respected with no delays. 

2 ) Amounts owed : Here we have the problem. Even if I pay the credit card weekly, my family expenses are HIGH. So, with $ XXXX limit, it is obviously that the percentage of credit we are using it is also HIGH. That's why we need to increase the limit! 

3 ) Length of Credit History : Nothing we can do to change time. 

4 ) New Credit : I have XXXX credit cards with CHASE ( XXXX and XXXX XXXX ). Prior TD Bank credit card is cancelled ( because I believed that Chase would provide me something better ). And I have a XXXX XXXX. That is all credit I have. 


So, as you can see, on my end, there is nothing I can do to change the factors exposed. 

However, my family income and payment history should be enough for increasing the credit limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
XXXX Inquiry : XXXX XXXX XXXX  + Miscellaneous XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX GREAT AMERICAN XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX CAPITAL ONE Inquiry : XXXX XXXX XXXX  + Bank ( XXXX ) XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX XXXX XXXX I did not authorize any of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: MD

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself.

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 2023-10-10 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: MD

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: FL

Complaint narrative:
I have been contacting this company since XXXX of 2023 for a payoff letter.in addition to the original.contract/ lease agreement. I have been hung up on and transferred from one department to another. This was not my original leasing company so my fear is that they do not have this information and refuse to just say that. I was making payments for several.months thinking I was purchasing this vehicle as agreed upon with my original leasing company only.to be told that this agreement no longer is being honored with westlake portfolio managers ( the new leasing company ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was not only sent a defective product from a company, that company cnaceled the rest of my order and never shipped it after I filed a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Each month I wire out about $ XXXX for my XXXX father 's XXXX board and care. Every few months I go to his bank and get a cashiers check for reimbursement. 

XX/XX/XXXX A cashier 's check from XXXX XXXXXXXX XXXX  was deposited into my Chase Checking account via ATM in the amount of {$17000.00}. Prior to my deposit my account balance was around {$3000.00} XXXX The hold was cleared and I paid bills in the bank mobile ap ( about {$3000.00} ) and sent a wire via mobile ap ( about {$7000.00} ) XXXX Went to bank ATM ( at bank ) to withdraw {$2000.00} to pay construction workers at my home. I was unable to withdraw funds and my access to online banking was frozen. I spent 4+ hours at the bank trying to ( and successfully resolving the hold ). I had to pay the workers at my home for an extra hour because they couldn't leave until they were paid. 

XXXX The USPS delivered a letter alerting me to an issue with my deposit and that if I didn't contact Chase immediately they would close my account. 

XX/XX/XXXX Access to my online banking still wasn't resolved and I had to make another phone call explaining the issue again. When asked " why didn't chase contact me? '' I was told that it was all automatic and the onerous was on ME to contact them to resolve the issue. How was I to contact them when I didn't know there was an issue- until the issue was big? 

My husband and I specifically got a cashier 's check from XXXX XXXX so the there wouldn't be a long hold time. I was treated like a thief in the bank AND on the phone. 

I can understand issues with fraud, but I can't understand why I didn't receive a text or phone call alerting me of the issue. I also can't understand why they needed to speak to me before contacting the issuing bank institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XXXX XXXX XXXX  I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have spoken to your company and stated it was not my debt. I did have XXXX XXXX  and that has been resolved and the equipment has been returned. I owe XXXX XXXX nothing. I have NEVER had phone service or anything else from them. Please STOP this trying to collect money from me that I do not owe and do not allow this to become part of my credit report. 

Thank You, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
Professional Credit Service put a hold on my funds in my checking account. I have never received any type of communication from or phone calls to resolve this debt. I have contacted them on XX/XX/2023 and they are now requesting my bank statements from the last three months in order to partially refund the supposed debt that is owed. Tried to set up payment arrangements with them, but they are being difficult to work with, and will not listen to me. I dont feel I should have to send my personal bank statements to a creditor for wrongfully holding my money without the proper paperwork or communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: TX

Complaint narrative:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent inquiries from my credit report.

Company response to consumer: Closed with explanation