vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 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: Central Portfolio Control Inc.
State: CO

Complaint narrative:
Central Portfolio Control is reporting an erroneous item on my XXXX credit report for a collection of {$2600.00}. I have no knowledge of this item and I have never heard of this entity, or received any communications from them. No other CRB reports this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: NC

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately. 
XXXX XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1700.00}

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 explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Bank of America cashed checks written by someone not listed on my account via the Bank of America App totaling {$8100.00}. These check should not have been cashed. 
I contacted Bank of America via the phone and in person with no resolution. I also submitted a claim with the Office of the Comptroller of the Currency.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: CT

Complaint narrative:
I dont have any finacial obligation to these companies

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 2023-08-11 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I dont have any finacial obligation to these companies

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 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-08-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and Transunion is blocking my credit file. 
I am attempting to dispute. XXXX XXXX XXXX 2 collection accounts and XXXX XXXX XXXX and National credit adjusters I want these 3 companies disputed as follows : I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Please govern yourself accordingly!

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 2023-08-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
XXXX and XXXX is blocking my credit file. 
I am attempting to dispute. XXXX XXXX XXXX 2 collection accounts and XXXX XXXX XXXX and National credit adjusters I want these 3 companies disputed as follows : I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Please govern yourself accordingly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capio Partners, LLC
State: GA

Complaint narrative:
Account Name ASSETCARE LLC Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX These accounts was pass to a third party collection agency an have violated my consumer rights In accordance to the fair credit act 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Phoenix Financial Services LLC
State: KS

Complaint narrative:
I am asking to be removed from my credit reports, because they received my personal information fraudulently. They received it from a company that was supposed to protect my privacy. I would like them to provide the 3 signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.

Most companies find the last 4 S.S.N. numbers, and full legal name is precise enough information to locate a person in your database. I am not comfortable giving you information that you fraudulently obtain from a company. That suppose to protect my personal information under U. S. Code 15 Commence and Trade 6801. If I am not in your database, then you fraudulently reported me to the consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: NJ

Complaint narrative:
Ive reached out to XXXX XXXX XXXX XXXX ( Account # XXXX on many occasions, and to know avail nothing was done, This XXXX XXXX account is still on my credit report as closed and not off my credit report. 
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 U.S.C. 1681 This company has violated my rights 15 U.S.C. 1681 section 602 A,, States I have the right to privacy, 15 U.S.C. 1681 sex in 604 A section 2. It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer reports containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates The report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is incorrect, XXXX XXXX XXXX XXXX  the company above added on insurance that was illegal on their behalf. Yes, they fix the problem closed out the account and called themselves taking it off my credit report but it shows closed but still on my credit report since 2015 when it should be off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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: NJ

Complaint narrative:
Ive reached out to XXXX XXXXXXXX XXXX XXXX  ( Account # XXXX on many occasions, and to know avail nothing was done, This XXXX XXXX account is still on my credit report as closed and not off my credit report. 
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 U.S.C. 1681 This company has violated my rights 15 U.S.C. 1681 section 602 A,, States I have the right to privacy, 15 U.S.C. 1681 sex in 604 A section 2. It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer reports containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates The report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is incorrect, XXXX XXXX XXXX XXXX the company above added on insurance that was illegal on their behalf. Yes, they fix the problem closed out the account and called themselves taking it off my credit report but it shows closed but still on my credit report since 2015 when it should be off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I noticed that there are several names listed on my credit report and several different addresses. I would like to remove all other names and addresses that are not mine. 

I have included the documentation below.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I noticed that there are several names listed on my credit report and several different addresses. I would like to remove all other names and addresses that are not mine. 

I have included the documentation below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to dispute misleading and false information that has been included in my credit reports provided by both XXXX and XXXX. The fraudulent reporting has caused significant harm to my personal and financial reputation over the past XXXX years. 

I have recently discovered numerous errors within my credit reports which were originally sent to XXXX, leading to the removal of erroneous information related to Wells Fargo Card Services. However, it has come to my attention that this same inaccurate information regarding Wells Fargo Card Services has remained on my XXXX and XXXX accounts, tarnishing my creditworthiness unfairly. 

Upon careful review of my credit reports, I found the following mistakes : False Account History : The account listed under " WELLS FARGO CARD SERVICES '' is incorrect. I have never had any association with this entity, nor have I ever opened or maintained a credit card account through them. This mistaken listing implies that I possess outstanding debts or negative payment history with Wells Fargo, which is entirely untrue. 
Negative Payment Timeline : My supposed non-payment incidents associated with Wells Fargo Card Services inaccurately portray a poor payment pattern, damaging my overall credit score and hindering my ability to secure favorable terms for future financial endeavors. It is essential to rectify this matter immediately to restore my true creditworthiness. 
Personal Identity Theft Concerns : Given the consistent misinformation regarding Wells Fargo Card Services, I fear that my identity may have been compromised and used unlawfully to open fraudulent accounts. It is crucial that appropriate investigations are conducted by XXXX and XXXX to address this potential identity theft issue promptly. 


Please send written confirmation upon completion of the investigation and subsequent actions taken to rectify these false reporting issues. Thank you for your prompt attention to this 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 explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/XXXX : I sent 2 payments to XXXX XXXX in the XXXX ( transaction XXXX of {$2800.00} and transaction XXXX of {$1000.00} ) XX/XX/XXXX : XXXX sent me an email asking for information about my recipients, including XXXX XXXX. I replied, providing them with all of the requested details. 

XX/XX/XXXX : XXXX sent me another email advising me that there was a 'technical problem processing my transaction ' and that they were working with their partner to resolve this. 

XX/XX/XXXX : XXXX XXXX advised me that the payments had still not reached her account. I emailed XXXX help and got an automated reponse. 

XX/XX/XXXX - XX/XX/XXXX : I called XXXX Customer Service multiple times asking for more information on when the issue would be resolved and what steps I could take to escalate my problem. I asked for, but received no callbacks. There is no escalation, resolution or formal complaints procedure available through the XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX : daily calls to XXXX Customer Service, messages through XXXX XXXX XXXXXXXX ) result in no more information. The standard response is 'We apologize for the problem, our technical team is working on the issue. ' The only other information I received was that XXXX is unable to refund my transactions as 'our partner in the XXXX XXXX XXXX can not determine whether the money has been deposited into their account. ' I was also told there are a number ( XXXX was mentioned ) of other customers in the same situation. 

As a start up, these funds are used to pay my supplier. They are vital to my ability to continue providing services to my customers. Without clarity on when the issue will be resolved or even what the next steps are, I am not confident that XXXX will return my missing funds. There is a lack of communication, explanation or proactive customer service that is adding to my frustration and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-11 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-11 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 HOLDINGS USA, INC.
State: MS

Complaint narrative:
Santander Consumer has violated my rights. 

In accordance with the fair credit Reporting Act Santander Consumer USA loan has violated my rights. 

15 USC 1681 Section 602 states, " I have the right to privacy. '' 15 USC 1681 section 604 A section 2 : It also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
THERE HAVE BEEN SEVERAL CONSUMER REPORTING AGENCIES THAT HAVE STOLEN MY IDENTITY. Under the federally protected consumer act, this is illegal and needs to be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: NC

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately. 
XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1700.00}

Company response to consumer: Closed with non-monetary relief