vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 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: LEXISNEXIS
State: MO

Complaint narrative:
Bankruptcy Courts DO NOT report to Consumer Reporting Agencies because they know its not legal. Lexis Nexis and other secondary bureaus fishes for information and they sell it the larger consumer agencies like a XXXX, XXXX, and XXXX. The Consumer Reporting agencies claim that they investigated and it came back verified. Who did they speak to, to verify this? They didnt speak with me. Did they speak to a competent witness or the court house clerk? It is illegal for the Consumer reporting agencies to access public records and furnish to my consumer report. This is a violation pursuant to 15 USC 1681 and my consumer rights to privacy pursuant 15 USC 1681 ( a ) ( 4 ). Another violation pursuant of 15 USC 6802 ( b ) ( 1 ) a financial institution may not disclose nonpublic information to a nonaffiliated third party. and violating 15 USC ( b ) ( 1 ) ( c ). Anything between me and another party comes into play its not public information and its illegal and I have to give my consent to share my non public personal information. The courts stated in the letter that they dont provide or report any information to 3rd parties consumer agencies. Also I never gave written instruction to furnish this account on my consumer report pursuant to Pursuant to 15 USC 1681 ( a ) ( 2 ) subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I sent numerous a letters and time to seek justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: MO

Complaint narrative:
Bankruptcy Courts DO NOT report to Consumer Reporting Agencies because they know its not legal. XXXX XXXX and other secondary bureaus fishes for information and they sell it the larger consumer agencies like a Experian, XXXX, and XXXX. The Consumer Reporting agencies claim that they investigated and it came back verified. Who did they speak to, to verify this? They didnt speak with me. Did they speak to a competent witness or the court house clerk? It is illegal for the Consumer reporting agencies to access public records and furnish to my consumer report. This is a violation pursuant to 15 USC 1681 and my consumer rights to privacy pursuant 15 USC 1681 ( a ) ( 4 ). Another violation pursuant of 15 USC 6802 ( b ) ( 1 ) a financial institution may not disclose nonpublic information to a nonaffiliated third party. and violating 15 USC ( b ) ( 1 ) ( c ). Anything between me and another party comes into play its not public information and its illegal and I have to give my consent to share my non public personal information. The courts stated in the letter that they dont provide or report any information to 3rd parties consumer agencies. Also I never gave written instruction to furnish this account on my consumer report pursuant to Pursuant to 15 USC 1681 ( a ) ( 2 ) subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I sent numerous a letters and time to seek justice.

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 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On or about XX/XX/2021 a representative for said bank established left a voice message to the tune of XXXX when clearly parted with XXXX on my account name. I keep complaint and the representative never returns my calls. I want it to be clear my name on the count and parted check read XXXX not XXXX and when that little representative reaches out to me needs to respect that. In addition if I choose which is my choice and they must agree to my choice to return to said bank establish it is whatever my valid if represents and I tell what name should be on my account still remember ing what's on my state valid. And said bank needs to put back the require minimum deposit to open said establish bank that said establish bank had no other reason to close the account other than my bum man like appearances. Be sure they force the said establish bank close. 
.and said bank established need not correspond to my houston XXXX Texas ADDRESS any further It doesn't exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PAYPAL CLOSE MY ACCOUNT BECOUSE I REQUEST  TO WITHDRAW MY FUNDS.

PAYPAL PRETEND HOLD MY MONEY BY 180 DAYS JUST BECOUSE I TRY TO TAKE OUT.

I HAVE MY BABY REALLY BAD AT THE HOSPITAL AND I TRY TO  GET HELP FROM PAYPAL FOR WITHDRAW MY MONEY , INTEAD GET HELP , PAYPAL JUST BLOCKE ME FOREVER.
WHY PAYPAL PLAY WITH PEOPLE MONEY IN THAT WAY WITHOUT KNOW SOMETIMES THE PEOPLE PROBLEMS.

THE MISION OF PAYPAL IS HELP PEOPLE OR RESOLVE PROBLEM WHEN WE HAVE ISSUE , BUT NOW THIS COMPANY MISSION IS JUST HOLD  ALL MONEY THAT THEY CAN.

I REALLY FELL FRUSTATE WITH THIS COMPANY.

I WANT JUST MY MONEY BECOUSE MY BABY IS REALLY BAD AND I NEED TO BUY MEDICE , .
 
I HOPE PAYPAL RELEASE MY MONEY BECOUSE IS NOT MY FAULT THAT SYSTEM  JUST BLOCKE ME BECOUSE I TRY TO WITHDRAW MY FUNDS.


MY EMAIL IS XXXX  Id. de referencia: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: GA

Complaint narrative:
On XXXX XXXX2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Debt Recovery Solutions, LLC
State: KS

Complaint narrative:
I checked my credit report last month around XX/XX/2021 and i saw this fraudulent account on my profile being reported by XXXX  and XXXX. It is the first time i seen these accounts. I've never received any information from the company or the collector DEBT RECOVERY SOLUTIONS so i don't know whats going on. This account is not mine i've tried disputing and calling the credit repair companies and i also sent letters to the debt collection company. It is extremely hard to get someone on the phone through the system it is very confusing and time consuming. They are violating my rights by reporting this false information. 15 united states code 1681 ( a ) ( 1 ) says they must report accurate information. It has been more than 30 days and all they say is that the information is verified. How, they haven't sent me one document showing that it is mine. I'm so confused how they can just violate the law like this and destroy my credit score and not be held accountable. I do know Fair Credit Reporting Act laws protect me from this type of stuf. 15 United States Code 1681n ( a ) ( 1 ) says any actual damages like the stress plus up to {$1000.00} per violation. I need this stuff deleted our i will have to excercise my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: KS

Complaint narrative:
I checked my credit report last month around XX/XX/2021 and i saw this fraudulent account on my profile being reported by XXXX  and Experian. It is the first time i seen these accounts. I've never received any information from the company or the collector XXXX XXXX XXXX so i don't know whats going on. This account is not mine i've tried disputing and calling the credit repair companies and i also sent letters to the debt collection company. It is extremely hard to get someone on the phone through the system it is very confusing and time consuming. They are violating my rights by reporting this false information. 15 united states code 1681 ( a ) ( 1 ) says they must report accurate information. It has been more than 30 days and all they say is that the information is verified. How, they haven't sent me one document showing that it is mine. I'm so confused how they can just violate the law like this and destroy my credit score and not be held accountable. I do know Fair Credit Reporting Act laws protect me from this type of stuf. 15 United States Code 1681n ( a ) ( 1 ) says any actual damages like the stress plus up to {$1000.00} per violation. I need this stuff deleted our i will have to excercise my rights.

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 2021-06-17 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: TX

Complaint narrative:
I have submitted multiple disputes regarding two collections on my credits which are paid account. I have sent documentation and dates they were paid and cleared my bank. Their investigation continues to conclude that the collection remains as unpaid. I paid almost {$900.00} of my own money I work hard to earn to pay these bills and they continue to tell me they are unpaid even with receipts and bank records.

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 2021-06-17 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: TX

Complaint narrative:
I have submitted multiple disputes regarding two collections on my credits which are paid account. I have sent documentation and dates they were paid and cleared my bank. Their investigation continues to conclude that the collection remains as unpaid. I paid almost {$900.00} of my own money I work hard to earn to pay these bills and they continue to tell me they are unpaid even with receipts and bank records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was aproved for Barclay card few years ago and my new card was used by someone fraudulently so I had talked to Barclay and they closed my card and I had reapplied and got a new one. They had removed my original 90 days late payments from credit report so it didn't show up the first few years, But when I check my report now, it shows as 90 days late payment. 
I would like this 90 days late payment to be removed immediately from XXXX. 
This first Acct was opened on XX/XX/2015 Acct # 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 2021-06-17 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/2021 sent a letter 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 I'm 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the alleged accounts presented in exhibit C are in fact compliant and not subterfuge? ( ***copied from affidavit attached*** )

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 2021-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau
State: OK

Complaint narrative:
I need help i have contacted everyone possible from the credit reporting agencies to This company MEDICAL BUSINESS BUREA that say i owe a debt from someone named XXXX XXXX XXXX which is a violation on so many different levels. 1 I asked them to verify the date to me more than 30 days ago and i've heard or received nothing from them. 2. The violated the Fair Debt Collections Act 1692g since they have never even contacted me once and gave e a chance to dispute the information. They just put it on my credit report causing me stress and damaging my character. If they don't stop reporting this false information i will be forced to litigate for the Civil liabilities section 15 united states code 1692k. Everyone is ignoring my requests they are giving me now choice. They also have violated 15 usc 1681 ( i ), 15 usc 1681a ( 1 ) and 1681 ( a ) ( 4 ) just a bunch of violations that i can use if this stuff is not fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
Tried to reach Cooling and Winter attorneys at law in XXXX, GA for a judgement for garnishment filed in a county that I do not reside in and sent to an address that I haven't ever resided at. This debt is not owned by me or owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: TX

Complaint narrative:
I have submitted multiple disputes regarding two collections on my credits which are paid account. I have sent documentation and dates they were paid and cleared my bank. Their investigation continues to conclude that the collection remains as unpaid. I paid almost {$900.00} of my own money I work hard to earn to pay these bills and they continue to tell me they are unpaid even with receipts and bank records.

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 2021-06-17 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: CA

Complaint narrative:
I've been a customer of XXXX XXXX XXXX cards for over two years .I work as a XXXX and I'm a XXXX XXXX and I usually don't have time to check my credit due to my busy schedule. I finally looked into my credit report since I'm refinancing. it came to my attention that XXXX XXXX is reporting incorrect information on my credit file. due to the 30 days late I am being offered a higher interest rate on a mortgage loan but over the years it will cost a lot more. I don't recall paying late. My credit card has a XXXX  balance and I always pay my bills on time. The late is being reported on my file. I have been paying on time. I opened this account to better my credit and not destroy my life.

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 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CO

Complaint narrative:
RECEIVABLES PERFORMANCE MANAGEMENT , LLC states that Received a valid payment of {$100.00} on XX/XX/XXXX. A second payment made on XX/XX/XXXX of {$100.00} was returned for insufficient funds. 

THAT'S BECAUSE XXXX CHARGED ME 2ND TIME SAME AMMOUNT AFTER CHANGING MY PLAN WITHOUT TELLING ME. REGARDLESS I HAVE PAID REDICULOUS BILL ONCE AND ASKED TO CLOSE MY ACCOUNT! THATS FOR ONE. 

SECOND : " RPM contacted XXXX who advised that the device non-return fee applied for Serial No. : XXXX, however the device with serial number XXXX was returned and charge for it was adjusted on XX/XX/XXXX '' WHAT KIND OF DEVICE IS THIS Serial No. : XXXX??? AND WHEN XXXX SENT IT ME? I HAVE NEVER RECEIVED IT!

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 2021-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I Would like to report this collection company that has damaged my credit for a very long time. I was a patient with ( Original creditor : XXXX XXXX XXXX ) She was my dentist. I am a full-time XXXX at XXXX XXXX and I have excellent dental and health insurance. I presented my dental insurance card to my dentist and I assumed that she would apply all the charges to my insurance and send me the bill if any.The front desk of the dentist office had all my phone numbers and my address I never heard from them. All of a sudden this collection company put this unknown bill on my account and I called my dentist, which is XXXX XXXX XXXX and told her that my insurance company was to pay that and I gave you my insurance card before you started the procedure. This collection company has damaged my credit for too long well I don't owe them any money and they did not send me a letter to let me know what the problem was so I could have resolved this issue before it was put on my credit report.This collection company also updated the balance this month which is incorrect and it is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: American Coradius International LLC
State: CO

Complaint narrative:
I received a letter from American Coradius International stating that I owed XXXX  {$190.00}. I tried contacting them three times and was never able to get a phone call through nor an email response. I then got a second letter that showed the debt. The two emails associated with the debt are not mine nor emails I recognize whatsoever. I contacted XXXX support and they were able to confirm that none of my accounts owed any money. Looking around on the internet I found that many other XXXX users are getting the same fraudulent letters from the same company.

Company response to consumer: Closed with explanation