vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 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: NC

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 ( Original Creditor : XXXX XXXX UNIVERSITY ) Account # 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 explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc.
State: TX

Complaint narrative:
I checked my credit report on XX/XX/2022 and noticed that my whole Self tradeline account has been removed from my credit report of XXXX, XXXX, and XXXX. In Self 's  XXXX XXXX XXXX complaint case number XXXX reply, Self stated that the tradeline was removed due to a request being sent to remove the tradeline from my credit report, but I never requested for the whole tradeline account to be removed. In CFPB Complaint Case Number XXXX, XXXX stated that an investigation was initiated due to the Self Financial/ Lead Bank account being furnished fraudulently, and in response Self deleted the tradeline account from my credit report. I understand that confusion was present during this investigation concerning this matter. I never stated that this account was furnished due to fraud or that the account itself was fraudulent. I requested that all late payments that are on the tradeline to be deleted and updated to paid as agreed and a deletion of those late payments, not the tradeline account, be submitted to all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: NC

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. US DEPT ED # XXXX, has violated my rights. And it was reported Twice 15 USC 1681. US DEPT ED # XXXX, has violated my rights. And it was reported Twice XX/XX/2014 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Collection agency SPRINGOAKCAP no additional information on consumer credit report by XXXX XXXX. I do not have nor ever had an account with Original Creditor. XXXX XXXX XXXX XXXX  " reporting a debt that doesn't belong to me '' and belongs to another unknown person on my credit report. I HAVE TAKEN ACTIONS SEE BELOW : STEP 1- Conducted an online search for contact information and called XXXX ( XXXX ) XXXX - After several calls to this agency, the agents were unable to identify my name, account number reported on the credit report, phone number or any other fact. 

STEP 2- online research for this debtCreditor Name SPRINGOAKCAP Account No. XXXX. unable to contact a live person, no information to verify my account. IMPORTANT NOTE- the only way to access them is to give them your full name, social, address and phone. Seems odd because now they have your information completely and provided by the costumer. after entering all my info- the website gave me this note. -- -Your account is either owned by Spring Oaks Capital , LLC or our affiliate Spring Oaks Capital SPV , LLC. 

STEP 3- placed a dispute with the agency and a dispute with all 3 credit bureaus but they have not removed it after my pleas for validation request. instead they have used my calls as acknowledgment of this debtCreditor Name SPRINGOAKCAP Account No. XXXX Original Creditor. XXXX XXXX XXXX XXXX  Responsibility Individual Condition. Derogatory Original Balance. XXXX Balance. XXXX Date Opened. XX/XX/XXXX Date Reported. XX/XX/XXXX Remarks. Placed for collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: NC

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. US DEPT ED # XXXX, has violated my rights. And it was reported Twice 15 USC 1681. US DEPT ED # XXXX, has violated my rights. And it was reported Twice XX/XX/2014 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 explanation
Consumer complaint received 2022-06-10 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Hard credit pulled from Goldman Sachs XX/XX/2022. I have not applied for any additional credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX contacted Equifax about the following negative accounts XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2900.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3100.00} ), XXXX XXXX XXXX  XXXX ( Date Opened XX/XX/XXXX, Balance : {$5700.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ), XXXX - XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$3300.00} ), XXXX XXXX XXXX XXXX, XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$310.00}, original creditor XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1600.00} ), XXXX  XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$610.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: IL

Complaint narrative:
good day I have contacted company last year to provide information about the debt owed which they supposedly sent me but I have never received information requested. 

I filed the dispute with XXXX and XXXX but those steps did not seem to help to solve the problem. I don't understand how Collection agency is providing Credit Bureau with information but not individual involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo claims International Wire Transfers can't be refunded. I was scammed into making 3 installments using my savings account money, then monies unknown to me at the time, which were transferred from other accounts I had access to under my name but were my mother 's. My brother and I had rights to overseeing her checking and savings. 
No red flags signaled the banker to stop the transactions or question me further. They assumed I transferred monies in large amounts without even a warning, or if this was legit. 
The first date was XX/XX/2022, ( {$19000.00} ) then XX/XX/XXXX ( {$38000.00} ) then XXXX installment was done on XX/XX/XXXX ( {$19000.00} ). 
Along with these scams were others involving XXXX money cards and XXXX gift cards. The whole scam period continued for 10 days, with a confession from one of the scammers on the 11th day. They impersonated a Wells Fargo Fraud agent and a FTC Commissioner. I have made a police report and one with the FTC.

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 2022-06-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX XXXX ( Opened XX/XX/XXXX, Highest Balance {$20000.00} ), XXXX  - XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2022, I deposited a large escrow settlement check drawn on a local reputable bank into my checking account via my local bank branches ATM. They didn't give me any portion of this check upon deposit or the next day. I called to see check on funds funds availability the next day, XX/XX/XXXX and the branch representative said the entire check would be available to me on the XXXX of XXXX. Well it's the XXXX of XXXX today and still not a single penny of this check is available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX my father passed away. On XX/XX/XXXX, my mother 's niece transferred {$25000.00} to my father 's brother 's bank account. Again, on XX/XX/XXXX another transaction for {$25000.00} was transferred to the same brother 's account. The grand total was {$50000.00}. My mother 's niece setup the online user name and password for my father, but was NOT authorized on this account as a co-owner. The bank failed to reverse the two transactions and required the only one who they would speak to would be an administrator to the estate. Probate court granted myself as administrator on XX/XX/XXXX. In speaking with the bank, I have been told they can do nothing to reverse these unauthorized / illegal transactions and it is a civil matter.

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 2022-06-10 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: VA

Complaint narrative:
I am reaching out to you for a resolution to issues on my Transunion credit report Ive been trying to resolve with the CFPBs help for 8 months now. The previous complaint ID 's are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX.Transunion removed one of the inaccurately reported accounts but left the other four accounts that are inaccurately reported in the exact same manner were left on my consumer report. These adverse accounts are keeping me from purchasing a new home. They are also refusing to update an account that is inaccurately reporting late payments on their report but is accurately reporting on my XXXX report. They have also refused to give me the detailed investigation documents regarding that account. These issues are causing me emotional stress that caused me to see XXXX  due to my financial situation. I am requesting immediate removal of these accounts.

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 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since the year 2017, Experian, has failed to provide a credit score to potential creditors I have applied for credit. I have many times called Experian and explained the issue but it continues to be outstanding and they do not report a credit score with my social security number and credit file and it is negatively impacting my ability in attaining credit. I am formally requesting the assistance in resolving this issue of not having a credit score being reported with my credit report to creditors seeking to confirm my credit score. Thank You. Most Respectfully.

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 2022-06-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I har 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 2022-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX PORTFOLIO RC no additional information on consumer credit report provided by XXXX XXXX. I do not have nor ever had an account with Creditor Name PORTFOLIO RC Or Original Creditor XXXX XXXX XXXX reporting a debt that doesn't belong to me '' and belongs to another unknown person on my credit report. I HAVE TAKEN ACTIONS SEE BELOW : STEP 1- online research for this debt Original Creditor XXXX XXXX XXXX- this creditor is large and they are unable to provide me with the right branch because I do not have No account number, no report on my credit report from XXXX XXXX . 

STEP 2- Conducted an online search for contact information and called PORTFOLIO RC - Customer service : XXXX ( XXXX ) XXXX PRA Group , XXXX. is a publicly traded global debt buyer based in XXXX , Virginia . PRA Group- After several calls to this agency, the agents were unable to identify my name, account number reported on the credit report, phone number or any other fact. 

UNABLE to obtain answers and upset after so many phone calls from portfolio recovery, I confronted the caller and demanded my information to be verified- they declined to validate my information and instead wanted me to provide them with my personal information. If they are harassing me, they should be able to validate it is me? no? 
Went online tried to see if I could find my information by using the I forgot my password- no result. 
Again, the issue is they force you to provide your personal information willingly- entering volunteering information without validating this is you. IMPORTANT NOTE- the only way to access them is to give them your full name, social, address and phone. Seems odd because now they have your information completely and provided by the costumer. after entering all my info- the website gave me this note. -- -Your account was not found STEP 3- placed a dispute with the agency and a dispute with all 3 credit bureaus but they have not removed it after my pleas for validation request. instead, they have used my calls as acknowledgment of this debt Creditors PORTFOLIO RC and XXXX XXXX  credit reported PORTFOLIO RC. XXXX XX/XX/XXXX XXXX XXXX PORTFOLIO RC Account No. XXXX Original Creditor. XXXX XXXX XXXX  Responsibility. Individual Condition. Derogatory Original Balance. XXXX XXXX. XXXX Date Opened. XX/XX/XXXX Date Reported. XX/XX/XXXX Remarks. Placed for collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Last time I complained about overdraft fees the companies responce stated they were lowering the charge to XXXX dollars, and no more than 1 fee per day. They did not honor their word.

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 monetary relief
Consumer complaint received 2022-06-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 's # XXXX ( XXXX XXXX XXXX, # XXXX ( XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ) and # XXXX ( XXXX XXXX XXXX ) has violated my rights. 

1 5 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 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 2022-06-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 's # XXXX ( XXXX XXXX XXXX, # XXXX ( XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ) and # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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 — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Creditor : XXXX XXXX  Nevada XXXX. 
Your Account XXXX. XXXX, Reference No. XXXX ORIGINAL XXXX XXXX  Nevada XXXX. Account Documents Requested Portfolio Recovery REFUSES to send me copies of the above ORIGINAL ACCOUNT from XXXX XXXX  Nevada, XXXX, which was CLOSED when XXXX XXXX XXXX  spent XXXX XXXX dollars to purchase this and other credit card accounts from XXXX XXXX, or on around XX/XX/XXXX. This account was closed over TEN years ago and is NOW outside the STATUTE OF LIMITATIONS for collection in the State of Georgia. 

Information from XXXX : On XX/XX/XXXX, XXXX  XXXX completed its acquisition of the majority of XXXX 's United States credit card business for a reported {$2.00} XXXX, adding definitiveness to a sale that caused a stir among consumers following its tentative announcement in XX/XX/XXXX. 

Despite my repeated requests for ORIGINAL XXXX XXXX  credit card account records to prove this IS NOT a valid collection account, Portfolio continues to send me copies of documents from XXXX XXXX XXXX. 

The attached file shows the account was opened in XXXX so they do have the records, but refuse to provide copies because it will show it was closed by XXXX. 

I believe Portfolio Recovery Associates is willfully damaging my credit by reporting this 10-year-old XXXX account to the credit bureaus under the faade of being a legitimate XXXX  XXXX XXXX  account XXXX

Company response to consumer: Closed with explanation