vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 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: CA

Complaint narrative:
To begin with, I did not authorize or give consent to XXXX or any other agency to furnish information related to me. 

I XXXX XXXX, have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

Following these harassing phone calls, I performed a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 

Please be advised that the companies performing the harassing phone calls are listed below. 
1 ) XXXX XXXX XXXX / {$560.00} 2 ) XXXX XXXX XXXX / {$14000.00} 3 ) XXXX XXXX XXXX / {$14000.00} 4 ) XXXX XXXX / {$2900.00} 5 ) XXXX XXXX {$5100.00} 6 ) XXXX XXXX, XXXX / {$9100.00} 7 ) XXXX XXXX XXXX / {$300.00} 8 ) XXXX XXXX, XXXX / {$280.00} 9 ) XXXX XXXX XXXX / {$10000.00} 10 ) XXXX XXXX / {$1100.00} To repeat, these transactions occurred without my permission. 

I would like to request removal of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
On XX/XX/2021, I sent via certified mail with return receipt a debt validation letter, proof of violations committed and an invoice for remedy for violations of my consumer rights to Optimum Outcomes which they received on XX/XX/2021 and have not responded. I also sent a notarized Affidavit Of Truth and again, Optimum Outcomes has yet to respond. They have violated numerous consumer rights ( XXXX XXXX XXXX ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692d ( 1 ), 15 USC 1692c ( 1 ) and 15 USC 1692c ( 5 ) ), not only have they committed these violations, but they continue to violate pursuant to 15 USC 1692g ( 1 ) ( 2 ) ( 3 ) ( 4 ) and ( 5 ) by not providing debt validation which congress states they shall provide all 5 requirements. Their silence is and will be taken as agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC
State: AL

Complaint narrative:
On XX/XX/21I sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. 
My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: OH

Complaint narrative:
On XX/XX/XXXX, I reached out to this consumer reporting agency by via phone call. I informed the representative who I spoke to that this agency is in violation of the FCRA ( Fair Credit Reporting Act ) - pursuant to 15 USC 1681 ( b ) - number ( 2 ). Which states " subjection to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. '' Representative stated that " no such law exist ''. I informed the representative that I will be forwarding over supporting documents in writing by via XXXX Certified Mail on XX/XX/2021.

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 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
PayPal sync - an application and my information i did not fill out was used-twice In XXXX and 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 2021-06-08 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo is incorrectly reporting my student loans to all major credit bureaus. I've had a Student loan with them since XXXX. In XXXX of XX/XX/XXXXWells Fargo transferred ownership of the loan to XXXX. However, Wells Fargo has incorrectly reported that my account is " Closed '' " Not in good standing ''. 

I have not missed a payment since XX/XX/XXXXwith Wells Fargo and am being negatively impacted. My 10 year student loan history is inaccurately being reported as 2 months. XXXX has reported the payments i've made over the last 3 months, but do not include any indication that the loan is an existing one prior to XXXX of XXXX. 

I have contacted : XXXX, XXXX  and XXXX  in order to have this updated and the derogatory remark of " Consumer Disputes After Resolution '' removed from my credit history. In addition, Wells Fargo has not clearly reported account updates to all 4 major credit bureaus.

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 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
On XX/XX/2021 I received a call from a person ( family member ) I know telling me to call MCM Midland Credit Management. credit and she stated that I owe them {$890.00} on an XXXX credit card. she left 2 telephone number to call back. I contacted Midland a man answer and told me that he didn't call but the lady was not available/ her line was busy. She called back I told her she violated Federal laws, by calling a family memeber and dicussing possible information pertaining to me. She got angry and loud with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PAYPAL REQUESTED THAT I SUBMIT MY DOCUMENTS IN ORDER TO GET MY ACCOUNT VERIFIED BUT AS SOON AS I UPLOADED MY DOCUMENTS I RECEIVED A MESSAGE THAT MY ACCOUNT WAS PERMANENTLY BLOCKED, WITH NO EXPLANATION AS TO WHY THEY DID THAT OR WHAT WAS WRONG WITH MY ACCOUNT. I PHONED PAYPAL AND NO ONE WAS WILLING TO HELP EXPLAIN. THERE WAS ALSO AN AMOUNT OF MONEY IN MY PAYPAL ACCOUNT THAT I IMMEDIATELY COULD NO LONGER ACCESS AND I STILL DON'T UNDERSTAND. 

I HAVE BEEN ON HOLD FOR OVER 2 HOURS AT A TIME ON PAYPAL JUST TO BE TOLD THAT I CANT BE HELPED. 

MY PAYPAL ACCOUNT IS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XXXX of XXXX, my father XXXX XXXX passed away. At the time of his passing, I was already authorized for 2 years to handle any business on their mortgage. The name of the company on this complaint is NewRez and Shellpoint Mortgage. His death was reported, a new account payment account was provided to authorize any payments, escrow overages for the new account as well as a death certificate. Because my mother has XXXX XXXX I took care of everything. In XXXX of XXXX, an overage was issued of {$1000.00}. I notified the above companies in XXXX of XXXX to send any escrow payment/overages to the new account which pays the mortgage electronically. I called the company twice in XXXX, twice in XXXX, twice in XXXX and now we're in XXXX of XXXX to please deposit an escrow overage of {$1000.00}. to the correct account and was told on every call, that it would be deposited. Today 's date is XX/XX/XXXX. I am now on the phone with yet another employee, XXXX XXXX, who is again stating the escrow overage will be sent via electronic deposit on XX/XX/XXXX. The phone number is XXXX XXXX. The address of the company is P.O.Box XXXX XXXX, Texas XXXX XXXX account number is XXXX. The company verified the correct bank account many times and still stated they sent the escrow overage to the correct bank. Again, today 's date is XX/XX/XXXX and there has been no correction deposit sent to the current bank of record. Please advise on mortgage regulation companies and corrective measures. I also have had a DPOA for years prior to his passing to handle everything. They have my name on the account as authorized representative. There is no excuse for this to be occurring 5 months. Please advise on a suitable solution to have this corrected. Thanks

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
As far back as XX/XX/XXXX I requested debt validation from ARS in which I did not receive a response. On XX/XX/XXXX I sent them a letter notifying them that the account has not been removed which is a violation they should have deleted the account, investigate the account, and provide me validation of the debt. I received no correspondence from the company. I then took a closer look at my credit report and it also appears that they re-aged the alleged debt because the date of last activity reports XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/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 explanation
Consumer complaint received 2021-06-08 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: MS

Complaint narrative:
Transunion is reporting this inaccurate bankruptcy on my account. I have no knowledge of this account as according to this address letter to me The bankruptcy court does not furnish this information to the credit bureaus nor due to they verify this information.

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 2021-06-08 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:
I want to report the misuse of my PERSONAL INFORMATION. I did not give consent to the credit bureaus to report a bankruptcy on my credit report. By law this information is considered private and I want this information removed. The bankruptcy reference number is XXXX. The credit bureaus ( XXXX, XXXX, and transunion ) are reporting this information without consent. 
Please reference the XXXX law 15 US code 1681 a, 4 : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2021-06-08 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: TX

Complaint narrative:
not mine : FCRA violations XXXX XXXX can see it : XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XX/XX/2004 Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: FL

Complaint narrative:
Im beyond frustrated with the customer service team in XXXX XXXX. I called because of a complaint I made against XXXX agency back in XX/XX/XXXX online for the account with XXXX XXXX XXXX someone on XX/XX/XXXX lied and stated I challenged the payment history for XXXX thats a LIE. He even confirmed the payment history dispute bill as for another account. Due to Experians negligence they extended the timeframe so when the account shouldve been removed XX/XX/XXXX it wasnt!!! please reference case # XXXX. When I originally reached out to you guys about the illegal tactic this agency use to continue reporting this account they stated they replied by mail. THATS A FLAT OUT LIE. I DIDNT RECEIVE A LETTER FOR THIS ACCOUNT THE FCRA REQUIRES DELETION OF THIS ACCOUNT. So I spoke to on XX/XX/XXXX XXXX in XXXX XXXX he transfer me to a supervisor who refuse to listen to anything I have to say and hung up on me after a 30 minute hold something needs to be done about there customer service.

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 2021-06-08 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: NY

Complaint narrative:
Im a victim of fraud ant I sent them by mail my police report they claim they have not received it and refuse to remove the fraud accounts and inquiries after telling me they will

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Solidifi US, Inc.
State: NV

Complaint narrative:
On XX/XX/2021, Solidifi XXXX XXXX emailed us a check for {$350.00}. On XX/XX/XXXX, we contacted to advise them we can not cash the check as it is made to " The XXXX XXXX XXXX Joint Revocable Living Trust '' and we do not have any accounts titled this way. When we spoke with XXXX XXXX of Solidify on XX/XX/XXXX. She asked that XXXX and I send her an email with this request on XX/XX/XXXX which we did. However, on XX/XX/XXXX she asked us to do this again. I emailed her again with this request. I attached the copy of our request of XX/XX/XXXX. Refinancing with XXXX and having Solidifi as our title company has been a total nightmare! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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 — Investigation took more than 30 days
Company: AFNI INC.
State: NV

Complaint narrative:
I've sent written demands to Credit reporting agencies and direct creditor to validate debt within the allotted time required. I have not heard back from said company with validating to debt to be mines with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have filed a dispute in regards the incorrect items on my credit report. It has been well over 30 days and i haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The following account is a fraud account that I have never opened or used : Bank of America account XXXX Please investigate and delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC representing XXXX XXXX  My account with XXXX  XXXX  was closed and paid off in full more than 10 years ago. 
I never paid attention since this account was paid. Then, i saw this company flagging my credit bureau and decided to investigate. It resulted to be XXXX  XXXX collection agency that also keeps adding a new date to the credit bureau to make it seem as more current. 

I tried to talk to them, I asked them for the original bill from XXXX XXXX, to which they did not provide of course. 

This company XXXX XXXX had a lot of problems and complaints for the same reason. They have been reported to XXXX XXXX XXXX for Scam and lots of customers complain to the same issue : they always add extra fees ( not owed ) to customers that have recently closed their account, and when they try to fix this problem, they refuse to answer them and automatically send to this credit collection company to start messing customers credit and in a way scam people to pay the late fees that they never owed in the beginning since their acts were closed before. 

I am sending you a copy of my last bill, please note that they kept sending me these bills, even after i attempted to close the account without owing them any money. The fees they are adding there don't belong to me : they added some late fee for the account that was closed without a balance, they try to charge you {$35.00} for the account whether you use it or not ..., in top of that you can see some of them are annual fee and they even claim interest on these late fees that they come up with to take money from you. 

Please help me with this, ,this has been going on for years and I am not getting anywhere with these collection agencies who in some instances have tried to put duplicate information on my credit bureau to make it look like a different account. I had the duplicate information removed from the credit bureau. 

On my other credit bureaus besides XXXX  I am not having any issues. 

Thank you very much, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
On XXXXI sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. 
My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: U.S. BANCORP
State: FL

Complaint narrative:
The following disputed account is a fraud account as I have never opened or used it : Elan Financial Services account XXXX Please investigate and delete asap.

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