vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It has come to my attention that this account is in connection with an alleged vehicle purchase transaction. I never authorized this account to be on my credit report. These companies do not have permissible purpose to report this information on my credit report. I was also never given the option to " Opt Out '' in any form. If I was given such an option I would have. I do not want to ever do business with Wells Fargo Dealer SVC and they have continued to give me stress and headaches over their illegal tactics. The following Account does not belong to me and should be removed from my credit report immediately : Wells Fargo Auto Account # : XXXX. I have also sent a Cease and Desist letter and this company continues to indirectly communicate with me through the credit report agencies.

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 2022-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: LendingPoint Holdings LLC
State: AP

Complaint narrative:
XXXX XXXX XXXX is acting on behalf of Lending Point LCC stating that I owe {$12000.00} and that an attorney has been retained to collect from me. It was reported that I have no responded to any requests for debt collection and that my wages will be garnished. I currently live in XXXX XXXX and am in the military. 
Ive never been contacted by any of these people for any reason prior to it being on my credit report. Ive contacted them numerous times to have proof provided of this debt and all numbers written on the consumer credit page just give a busy signal and all written correspondence has been returned to sender. 
These inaccuracies and derogatory remarks are false and harming my credit and potentially my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX I submitted disputes to TransUnion, XXXX in regards to ( XXXX ) closed account XXXX XXXX ( XXXX ) & XXXX XXXX ( XXXX ) for inaccuracy and failure to send me the status of the investigation within 30days. I asked that you assist me in contacting TransUnion and XXXX and have them removed the above said closed accounts. Thank you for your assistance in 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 non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
Either my wife or I visited XXXX XXXX XXXX on XX/XX/XXXX. XXXX. My wife and I were estranged in XXXX, and I no longer lived at residence. I was XXXX  and in a XXXX XXXX from XXXX XXXX to XX/XX/XXXX. It took me another month before I could get my mail as I was technically XXXX  and needed to get mail from wife who didn't want to see me. In XXXX I got the bill for the XX/XX/XXXX service. At that time, I paid what I could and then went about setting up a payment plan with XXXX. At some point after that, mail from Audit and Adjustment company was being sent to my wife 's address. When I finally got it, I went to the website the collector gave me on their notice and input the account number they provided to make payments. All bundled together and no way to differentiate were XXXX XXXX which I assumed I had payment plan with, and discharged debts from my bankruptcy in XXXX. Which I know the collector was notified at every possible address associated with them. I can provide court documents. No way to not pay just the hospital bill. I needed to pay all including discharged debt. According to my statements I receive every month online from the hospital, everything is okay. I had no way of knowing whether my insurance finally remitted payment or what. All debts with hospital bills are under one account and once I setup automatic payments it all went green. This seems like dirty pool. When you are hospitalized for an extended time and can't get to mail. You shouldn't get out and get your mail and see a final notice statement when you had just gotten a first notice and the balance was still pending insurance claim processing. I didn't even have a chance to pay before it was in collections hands with them trying to collect whole account that includes discharged debts. Not get any notification as their notices were going to my estranged wife who was just throwing mail into a shoe box. I never got voicemail. Only voicemails I get are no information at all, just " to avoid further actions on our claim for damages, call xxx ''. I've never received recent communication about this and assumed according to statements from hospital that everything was just fine. I never received notification that the debt was turned over. I figured there was a lag in communication, and it was taken care of. Notice from XXXX I received in XXXX tells me to go online, enter account number and pay balance in full. If pay the balance of account in full, I'll also be paying discharged debt, and a debt I was led to believe was part of my payment plan with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment DATE to my report which is incorrect, and I am asking this be deleted immediately. 
Name of Creditor XXXX Account Number XXXX Late Payment Date XXXX- XX/XX/2020 Name of Creditor XXXX Account Number XXXX Late Payment Date XXXX- XX/XX/2020 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 2022-01-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment DATE to my report which is incorrect, and I am asking this be deleted immediately. 
Name of Creditor XXXX Account Number XXXX Late Payment Date XXXX- XX/XX/2020 Name of Creditor XXXX Account Number XXXX Late Payment Date XXXX- XX/XX/2XXXX 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 explanation
Consumer complaint received 2022-01-24 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: VA

Complaint narrative:
I XXXX XXXX a federally protected natural person under FDCPA. Pursuant to the Law 15 USC 1681b each of the Credit Reporting Agencies ( XXXX, EQUIFAX, XXXX ) have violated me MULTIPLE times and all of this negative information hasn't been EQUITABLE to me. The Late payments that these companies are reporting are erroneous Pursuant to 15 USC 1666b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am demanding you to block and remove this information within 4 days of you receiving this this complaint. I've given you plenty of times to remove this information before but you have failed to do so. The Attorney General has been Notified and will be getting in contact with each of you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: VA

Complaint narrative:
I XXXX XXXX a federally protected natural person under FDCPA. Pursuant to the Law 15 USC 1681b each of the Credit Reporting Agencies ( XXXX, XXXX, EXPERIAN ) have violated me MULTIPLE times and all of this negative information hasn't been EQUITABLE to me. The Late payments that these companies are reporting are erroneous Pursuant to 15 USC 1666b. XXXX 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. I am demanding you to block and remove this information within 4 days of you receiving this this complaint. I've given you plenty of times to remove this information before but you have failed to do so. The Attorney General has been Notified and will be getting in contact with each of you.

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 2022-01-24 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: VA

Complaint narrative:
I XXXX XXXX XXXX a federally protected natural person under FDCPA. Pursuant to the Law 15 USC 1681b each of the Credit Reporting AgencieXXXX ( TRANSUNION, XXXX, XXXX ) have violated me MULTIPLE times and all of this negative information hasn't been EQUITABLE to me. The Late payments that these companies are reporting are erroneous Pursuant to 15 USC 1666b. XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. All of this accounts I have not validated or given these companies WRITTEN OR ORAL Consent to report anything negative about ME. I am demanding you to block and remove this information and accounts within 4 days of you receiving this this complaint. I've given you plenty of times to remove this information before but you have failed to do so. The Attorney General has been Notified and will be getting in contact with each of you.

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 2022-01-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX I submitted disputes to XXXX, Equifax in regards to ( 2 ) closed account XXXX XXXX ( XXXX ) & XXXX XXXX ( XXXX ) for inaccuracy and failure to send me the status of the investigation within 30days. I asked that you assist me in contacting XXXX and Equifax and have them removed the above said closed accounts. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: CA

Complaint narrative:
It has come to my attention that this account is in connection with an alleged vehicle purchase transaction. I never authorized this account to be on my credit report. These companies do not have permissible purpose to report this information on my credit report. I was also never given the option to " Opt Out '' in any form. If I was given such an option I would have. I do not want to ever do business with XXXX XXXX XXXX XXXX and they have continued to give me stress and headaches over their illegal tactics. The following Account does not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXX Account # : XXXX. I have also sent a Cease and Desist letter and this company continues to indirectly communicate with me through the credit report agencies.

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 2022-01-24 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: CA

Complaint narrative:
It has come to my attention that this account is in connection with an alleged vehicle purchase transaction. I never authorized this account to be on my credit report. These companies do not have permissible purpose to report this information on my credit report. I was also never given the option to " Opt Out '' in any form. If I was given such an option I would have. I do not want to ever do business with XXXX XXXX XXXX XXXX and they have continued to give me stress and headaches over their illegal tactics. The following Account does not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXX Account # : XXXX. I have also sent a Cease and Desist letter and this company continues to indirectly communicate with me through the credit report agencies.

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 2022-01-24 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I made a payment to the apartment complex I was renting from. The lease was ending on XX/XX/XXXX so the property management sent me an email with the prorated amount due. I wanted to make a split payment with my XXXX Best Buy credit card for {$790.00}. In error I paid {$2600.00} to XXXX XXXX XXXX AZ. I called the property immediately to request the payment be cancelled since it was showing pending on my end and when I spoke with the credit card company they stated it had not posted on their end. The personnel in the office at the apartment complex were not willing to assist and she portrayed there was not much she could do although she was the property manager. Once the amount showed up on my Best Buy credit card account, I called back and started the process of the dispute. I faxed documents which showed the prorated information from the apartment complex that was sent to me. I faxed them the ledger to show the over payment. I called Best Buy XXXX credit card multiple times, I was expecting a 30 no more than 60 day turn around but every time I called they had no updates or information. I recently received a letter from Best Buy stating my dispute was denied and charges were valid. I have not received any over payments from the apartment complex either. I have emailed them a demand letter today on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I am a consumer, a natural person. I have been violated and deceived by the use of unfair collection practices. CAVALRY PORTFOLIO SERVICES , LLC has violated my right to privacy. My account number is XXXX with this company. I do not have a contract with CAVALRY PORTFOLIO SERVICES , LLC, and have written them requesting proof of claim/verification for this unauthorized alleged debt! I want a wet signature signed by a natural person from CAVALRY PORTFOLIO SERVICES , LLC and myself showing that we have a contract. I sent registered mail along with my Affidavit of Truth complete with how I have been violated and have not received a response of them addressing my Affidavit of Truth.

The only person that can verify the debt is me the NATURAL PERSON, I the CONSUMER according to Title 15 USC 1692g is ME.

CAVALRY PORTFOLIO SERVICES , LLC has not responded to my statement of truth, and has threatened me with their litigation department which is a violation according to 15 USC 1692e93 ) by the issuance of documents informing me it being sent to their litigation department which is considered false representations and implications of the legal process.! According to 28 USC ( 1 ) ( B ) any private attorney authorized by the contract made in accordance with section 3718 of title 31 to conduct litigation for collection of debts on behalf of the United States. Is this attorney in accordance with this code? I am alleging that they are not. 
I am a single mother. I am looking for new employment. CAVALRY RECOVERY SERVICES, LLC has prevented me from getting a new job because they have reported this alleged account to all three major reporting agencies and I want it removed ASAP!!!! Times are hard enough in a pandemic to have my character destroyed by the horrible company. Pursuant to 18 USC 241, this is a conspiracy against my rights because two or more persons are conspiring AGAINST me to injure, oppress, threaten and intimidate me. I have had enough. 
Per my free consultation with a consumer lawyer, I should be suing them for impeding on my privacy and making false claims against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Various phone numbers recognized as Portfolio Recovery on called ID continues to call my minor childs phone number XXXX. I asked them to stop calling. Ive blocked their various phone numbers, but they create new numbers at intervals to seemingly override the call block. I pulled their address from XXXX, although they have numerous addresses listed. 

XXXX XXXX XXXX, XXXX, VA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
The XXXX website makes it appear that when you apply for their Credit Card you will get a {$200.00} discount immediately off the the ticket price from the flight. What it does not disclose in a transparent manner is that it is a statement credit. Based off the appearance of the information bellow the ticketing information it is deceiving to the consumer. This is very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: Mercedes Benz Financial Services
State: VA

Complaint narrative:
Upon reviewing my credit report at the end of XX/XX/2021, I noticed there were several inconsistencies with my account with Mercedes Benz Financial Services. On XX/XX/2021, I sent a direct dispute to the company to discuss these challenging the accuracy and integrity of the information to no avail. I do not agree with their actions and continuation of reporting these inconsistencies. During this process I have been declined credit and my credit worthiness has been compromised immensely. 

12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: VA

Complaint narrative:
I XXXX XXXX XXXX a federally protected natural person under FDCPA. Pursuant to the Law 15 USC 1681b each of the Credit Reporting Agencies ( XXXX, EQUIFAX, XXXX ) have violated me MULTIPLE times and all of this negative information hasn't been EQUITABLE to me. The Late payments that these companies are reporting are erroneous Pursuant to 15 USC 1666b. XXXX, XXXX, XXXX XXXX- XXXX, US DEPT ED- XXXX, XXXX XXXX XXXX. All of this accounts I have not validated or given these companies WRITTEN OR ORAL Consent to report anything negative about ME. I am demanding you to block and remove this information and accounts within 4 days of you receiving this this complaint. I've given you plenty of times to remove this information before but you have failed to do so. The Attorney General has been Notified and will be getting in contact with each of you.

Company response to consumer: Closed with explanation