vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems Inc states I owe them {$3800.00} in regards to a leasing breach. I am not responsible for this collection, my previous significant other was main provider in our leasing agreement. I have tried to dispute with XXXX XXXX XXXX but they are refusing to remove this incorrect debt off of my credit. This is unfortunately my last resort before I involve my legal team.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: FL

Complaint narrative:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION
State: OR

Complaint narrative:
This is in response to the Penfed Credit Union letter dated XX/XX/XXXX. The Merchant namely, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX filed a rebuttal claiming the services was rendered to my residence by XXXX XXXX XXXX XXXX and submitted a sales transaction slip for this purchase Order. The letter from the owner of the XXXX XXXX XXXX XXXX will prove that the services claimed by XXXX was NEVER made and the sales transaction slip aka Invoice used by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX as evidence is a fraud. 

On XX/XX/XXXX I requested for a repair on my sprinkler system. XXXX assigned me XXXX XXXX XXXX XXXX XXXX. See email. That same day I called the XXXX XXXX  & I was told by XXXX, the owner of the company XXXX XXXX XXXX XXXX XXXX he will not provide the service because they do not work with XXXX. 
On XX/XX/XXXX, I followed up with XXXX XXXX XXXX XXXX to provide me services XXXX was claiming. No service was provided. 

On XX/XX/XXXX, I requested a plumbing service and that same day XXXX  emailed me an assigned Plumbing company, namely XXXX XXXX XXXX XXXX to call. The XXXX XXXX told me they are not affiliated with XXXX therefore, they won't provide the service. See emails exchanged between myself and XXXX XXXX XXXX and assignment from XXXX. 

On XX/XX/XXXX I called XXXX to provide me with the services they claimed were rendered to me by XXXX XXXX XXXX XXXX and XXXX XXXX as was provided to Penfed. I was told by XXXX XXXX he will email me, to date no email from XXXX in regards to the services. 

On XX/XX/XXXX, XXXX Because of the fact XXXX has assigned false and misleading companies, deceiving me, compelled me to cancel my policy. I submitted my cancellation letter via email. See email. 

XXXX XXXX, XXXX Following up with XXXX XXXX email on the cancellation letter. This was before I received the letter from Penfed credit union with the sales transaction slip submitted by XXXX. To date, no response. 

XX/XX/XXXX, XXXX I called XXXX to settle this case. There was a long period of round about from one person to another repeating myself over and over until I finally talked to this person, he called himself XXXX. Just as I was starting to explain myself, these were his exact words on the other end ... " Your call is on hold, bye bye '' the phone died. One would ask, What do you make out of this situation? This has been the case often times I called XXXX. 

I am humbly asking Penfed credit union to reopen this case and return the {$2100.00} to my account for the services XXXX XXXX XXXX XXXX claiming was all lies and misleading. XXXX can find the contact of the owner of the XXXX XXXX XXXX XXXX on the letter to verify this 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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance to the FRCA 15 USC 1681 everything has to be 100 % accurate. I request that this account be removed from XXXX Transunion and Fico reports, payment of a XXXX for every Inaccuracy Accounts Peoples credit Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account 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 2022-06-07 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  with account Santander 's bank and dept of education / 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against PORTFOLIO RECOVERY for committing identity theft. I have never given PORTFOLIO RECOVERY any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

THIS COMPANY HAS ALSO VIOLATED A PREVIOUS CEASE AND DESIST NOTICE THAT WAS SENT IN THE PAST BY CONTINUALLY FURNISH FALSE INFORMATION TO MY CONSUMER REPORT REGARDING A FALSE RELATIONSHIP WITH MYSELF AND THIS COMPANY. THIS COMPANY HAS ALSO NEVER PROVIDED A TRILATERAL CONTRACT WITH MY WET SIGNATURE ON IT AUTHORIZING THEM TO HAVE ANY OF MY PERSONAL AND PRIVATE INFORMATION. AS A FEDERALLY PROTECTED CONSUMER, I HAVE A RIGHT TO PRIVACY. REF. PRIVACY ACT 1974. 
I have never received any documentation requesting validation from PORTFOLIO RECOVERY before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. However, PORTFOLIO RECOVERY has openly admitted to committing identity theft when responding to a complaint with " PRA purchased these accounts, together with the right to collect the balance due on the accounts ''. Ref Complaint No. XXXX. If PORTFOLIO RECOVERY can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PORTFOLIO RECOVERY can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PORTFOLIO RECOVERY continues its collection efforts, I will file for litigation for actual damages caused and PORTFOLIO RECOVERY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notif

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 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: FL

Complaint narrative:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 - transaction amount XXXX cent XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 - transaction amount XXXX cent XXXX XXXX XXXX XX/XX/2022 - transaction amount {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 - transaction amount {$77.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - transaction amount {$43.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX transaction amount {$43.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX amount {$43.00} XXXX XXXXXXXX XXXX XX/XX/2022 XXXX transaction amount {$13.00} All of the charges above were fraudulent charges that we were only alerted to us after the large XXXX  transaction for XXXX via text message alert from Citibank. I instantly called Citibank and logged into my account. I tried to do online fraud through Citibank but the transactions are in a pending status, so the system will not allow me to do any disputes for 3-5 days. I did speak with a Citibank representative who stated that she canceled my credit card and posted fraud alerts for all transactions but she stated I will not here about any outcomes for up to two weeks. I am very nervous about all of these fraudulent charges to my account especially the XXXX cent charges because those are usually test charges. Iasked the Citibank representative if they have had any fraud or hacking events and she stated no. After researching I found this to be inaccurate. XXXX XXXX and XXXX XXXX reported scams and hacking attacks pilfering over XXXX credit card customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I contacted XXXX  and paid in full the owed amount of XXXX I then contacted the collection agency that had the account on XX/XX/XXXX and XX/XX/XXXX, to make them aware and I also emailed proof, the collection agency continued to tell me the debt is owed. 
I also paid XXXX XXXX Bank in full and asked if my credit can be updated, I submitted a dispute with XXXX XXXX  and was told that the debt was still not paid, and my XXXX  XXXX card shows paid in full. And the credit report dispute was closed and my credit report was not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance to the FRCA 15 USC 1681 everything has to be 100 % accurate. I request that this account be removed from XXXX XXXX and Fico reports, payment of a XXXX for every Inaccuracy Accounts Peoples credit Account number XXXX XXXX XXXX XXXX Account number XXXX Credit control service Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Sunday XX/XX/XXXX I began a backpacking trip in XXXX California about an hour out of XXXX XXXX where I live. During that backpacking trip, my car was broken into and my debit card and phone were stolen. I got back to my car on Thursday, XX/XX/XXXX and then realized what had occurred while we were backpacking. This area is very remote and there is no cell service nor cameras so we were very shocked to see the car broken into. We eventually got down the mountain and then attempted to get in contact with the local rangers which who ended up telling us theres not much they can do as theres no way to figure out who it could have been due to the remoteness of the area. I loaded up my old phone once I arrived back at home and then proceeded to check my Wells Fargo account to see that the thiefs had used my phone and debit card to send them all the money in my bank accounts XXXX using XXXX XXXX. I then called Wells Fargo immediately and told them what was going on and after about 1.5 hours on the phone with them and had all the proper claims filed I was told they would be investigating my claims and I would hear back within 7 business days. One of my claims was approved and they moved XXXX $ back into the account but the XXXX $ in XXXX XXXX payments was denied as they said I approved it even though my phone and debit card were stolen. I am left with nothing and this must be resolved as I did everything in my power the second I found out what was going on to get this fixed. Ive been a loyal customer to Wells Fargo since XXXX and have done nothing but be a good customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: TN

Complaint narrative:
The Credit Bureaus stated Account XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The Credit Bureaus stated Account XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: FL

Complaint narrative:
I am writing to dispute the following information that your company supplied to [ XXXX, TRANSUNION, XXXX. I have listed the items I dispute on the This item hard inquires from CONSUMER PORTFOLIO SVC, DT CREDIT is inaccurate because MY NAME IS INACCURATE AND HARD INQUIRES WHERE UNAUTHORIZED. I am requesting that CONSUMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have the item removed and accounts removed from my credit profile immediately Delete hard inquiries - CONSUMER XXXX XXXX XXXX XXXXXXXX  Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX Delete inaccurate account - 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 2022-06-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following information that your company supplied to [ EXPERIAN, XXXX, XXXX. I have listed the items I dispute on the This item hard inquires from XXXX  XXXX XXXX XXXX XXXX is inaccurate because MY NAME IS INACCURATE AND HARD INQUIRES WHERE UNAUTHORIZED. I am requesting that XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX have the item removed and accounts removed from my credit profile immediately Delete hard inquiries - XXXX XXXX XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX Delete inaccurate account - 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 2022-06-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. XXXX XXXX, XXXX XXXX are not my accurate names : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These addresses are UNKNOWN to me. I never lived at these addresses : JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX Please block and remove these accounts from my credit report on my credit report which are UNKNOWN to me.One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please.

A copy of my Utility Bill, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by XXXX not blocking these accounts is inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I contacted XXXX  and paid in full the owed amount of XXXX I then contacted the collection agency that had the account on XX/XX/XXXX and XX/XX/XXXX, to make them aware and I also emailed proof, the collection agency continued to tell me the debt is owed. 
I also paid XXXX XXXX XXXX  in full and asked if my credit can be updated, I submitted a dispute with XXXX  XXXX  and was told that the debt was still not paid, and my XXXX  XXXX card shows paid in full. And the credit report dispute was closed and my credit report was not updated.

Company response to consumer: Closed with explanation