vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
An affidavit was sent in XX/XX/2022 and the debt was removed and the debt has now returned back on credit report. Ive attached what was sent certified mail in XXXX and a screenshot of the removal of the debt. Ive attached other supporting affidavits as well.

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 2022-12-28 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: MOHELA
State: GA

Complaint narrative:
An affidavit was sent in XX/XX/2022 and the debt was removed and the debt has now returned back on credit report. Ive attached what was sent certified mail in XXXX and a screenshot of the removal of the debt. Ive attached other supporting affidavits as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: FL

Complaint narrative:
To whom it may concern, I am a consumer. I made an uninformed decision when I allegedly entered into this consumer credit transaction. There was no evidence of indebtedness, the only evidence of indebtedness was the agreement but that agreement is null and void. It is null and void because I made a uniformed decision meaning that I did not understand its meaning and it was not clear and conspicuous. Reporting late payments on my credit report every month is defaming my character.

It is preventing me from opening new accounts as well as buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
This is in reference to a communication of dispute you were in receipt of in XX/XX/2022. The complaint was filed with the credit bureaus ( XXXX, XXXX XXXX XXXX ) through the CFPB in regards to illegal reporting that I owe your company a debt. I requested validation of the below mentioned debt. 

Caine & Weiner XXXX Account XXXX. : XXXX In response to the complaint filed, on a letter dated XX/XX/2022 your company sent a single billing statement received from the creditor 'to serve as proof '' that I was indebted to Caine & Weiner for this alleged transaction. In addition to that, your company continued harass and defame me by communicating and illegally reporting this alleged debt to the credit bureaus as if I entered into a payment agreement with your agency. This resulted in multiple denials of credit extension, and embarassment. 
According to 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
" Any Medium '' to be taken literally means any form of communication whether written, oral, verbal, electronic or any other means, therefore furnishing on my consumer report bearing any information in regards to this alleged debt by Caine & Weiner is to be considered communication as per the FDCPA. 


The creditor has reported this account as charged off, meaning they are no longer attempting to collect on this alleged debt owned by them. That debt according to the law has been paid. 

As you are aware the creditor sold this debt to your company in XXXX of 2022. 

I am informing you that your company has violated 15 USC 1692j ( a ) because your company furnished a deceptive form to create a false narrative and misleading me as a consumer that the creditor was attempting to collecting this debt, but in reality it was simply put, not true. It goes without saying, I expect a deletion of this account immediately. 

For reference : ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes suchcreditor, when in fact such person is not so participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I paid a " contractor '' {$250.00} to repair my drywall & shower leaking. He started the work & then never came back. He did a terrible job on the drywall repair, which I had to re-do myself. He also was supposed to replace my shower cartridge. He did not know what he was doing & destroyed my shower cartridge. He refuses to answer my phone calls & messages & also ignores my text messages. Santander bank ( the bank I got the XXXX from ), will not reimburse me the {$250.00}!!! 
I tried calling contractor several times & left several messages & text messages, he refuses to answer. His name is XXXX XXXX & his cell is XXXX. 

I called the bank 2 times & they said it was between me & the contractor. I used the XXXX connected to my checking account, however I did NOT do a debit, I did a charge transaction. 
Santander bank refuses to reimburse me the {$250.00} This is fraud & the bank should stand behind their credit cards, like all good financial institions do!!!

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 2022-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
In 2010 Bank of America opened illegal account without my consent and has been committing wire fraud and mail fraud relevant to this account for over 12 years now, very similar to the illegal accounts opens by XXXX XXXX that you sued recently.

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 2022-12-28 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I'M SUBMITTING A COMPLIANT REGARDING MY GOLDEN 1 CREDIT UNION CREDIT CARD ACCOUNT WITH A RECENT XXXX DAY LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS, BECAUSE OF XXXX XXXX AND THE HERO 'S ACT, THIS SHOULD NOT HAVE BEEN REPORTED.

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 2022-12-28 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: MO

Complaint narrative:
XXXX is reporting the following incorrect addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX is reporting the following incorrect addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX Transunion is reporting the following incorrect addresses : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR 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 2022-12-28 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: MO

Complaint narrative:
Equifax is reporting the following incorrect addresses : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I pulled my credit report and saw a collections account from XXXX XXXX XXXX XXXX for {$380.00} ) I notice my right were violated 15 USC 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. I have the right to privacy as a consumer and I never gave permissible purpose, 15 USC 1681b ( a ) In general Subject 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. Also 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; based off this it shouldn't have been on my credit report so i ask that this account be deleted.

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have a Chase credit card that I used to pay for a home appraisal on XX/XX/22. Chase treated this transaction as a Cash Advance, despite the fact that it was just paying for a service and I received no cash. Because of this, they charged me a {$29.00} " Transaction Fee '' and Interest Charges of {$6.00} & {$13.00}. There is no way for me to know which transactions would be considered a cash advance. Their cardholder agreement defines a " cash-like transaction '' as " The following transactions will be treated as cash advances : purchasing travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions ; purchasing lottery tickets, casino gaming chips, race track wagers or similar betting transactions; and making a payment using a third party service. '' None of this applies to my transaction. I spoke with a Chase supervisor ( XXXX XXXX and he refused to refund the fee or the larger interest charge. Even more concerning is that he said there is no way for me to prevent these sort of mischaracterized cash advances in the future. I can't disable it. He also tried to blame the vendor I paid, saying that they asked for a cash advance and I could dispute the charge. I confirmed with the vendor that they did not do this and it was just a normal charge. 

My larger concern is that Chase is free to mischaracterize transactions, charge fees and interest, with no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: NJ

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: IL

Complaint narrative:
I have tried to receive credit monitoring from all three credit bureaus. I am not able to view my credit scores on any of the three credit bureaus. I often have inquiries that I did not submit. I have had my identity stolen twice in the past five years. I have been denied funding many times because of a reported bankruptcy by a third party credit buraus. I would like to opt out from the third party reporting and any other illegal reporting of my personal financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I was contacted by someone representing that they were thru my energy company and read to me the address where I live stating that my service was going to be terminated due to non declined payment..i had just had my card shut off because last week my account had been charged for a n app service two times and it was a service I have never heard of the amounts are {$550.00}, {$990.00}, {$270.00} I contacted the bank and asked them if these could be stopped they said no since it was done thru XXXX it was considered to be like handing the money straight over

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: CA

Complaint narrative:
I'M SUBMITTING A COMPLIANT REGARDING MY XXXX  XXXX XXXX XXXX CREDIT CARD ACCOUNT WITH A RECENT 30 DAY LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS, BECAUSE OF COVID 19 AND THE HERO 'S ACT, THIS SHOULD NOT HAVE BEEN REPORTED.

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 2022-12-28 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'M SUBMITTING A COMPLIANT REGARDING MY XXXX XXXX  XXXX XXXX CREDIT CARD ACCOUNT WITH A RECENT 30 DAY LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS, BECAUSE OF COVID 19 AND THE HERO 'S ACT, THIS SHOULD NOT HAVE BEEN REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'M SUBMITTING A COMPLIANT REGARDING MY XXXX  XXXX XXXX XXXX CREDIT CARD ACCOUNT WITH A RECENT 30 DAY LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS, BECAUSE OF COVID 19 AND THE HERO 'S ACT, THIS SHOULD NOT HAVE BEEN REPORTED.

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 2022-12-28 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: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXXXXXX XX/XX/XXXX {$2600.00} XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XX/XX/XXXX {$0.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/2022 XXXX generatated to the following number XXXX XXXX @ XXXX XXXX XXXX was ended @ XXXX. 
Requested email to verify ANOTHER case number XXXX XXXX XXXX XXXX read back to male individual. Wells Fargo male was unable to send verification of the # to my email address. If its not legally documented it never happened. The email should verify and is evidence to the judge in a court of law. 

CONFIRMED NUMEROUS TIMES THAT I " NEVER LIVED IN COLORADO! I WAS ASKED THIS QUESTION NUMEROUS TIMES. ALSO, I CONFIRMED I NEVER OPENED UP ACCOUNTS for anyone!.. I am a state licensed nurse in XXXX AND XXXX. I DO NOT XXXX XXXX AND I DO NOT OPEN UP BANKING ACCOUNTS FOR ANYONE. 
I INFORMED THIS WELLS FARGO MALE THAT I WILL PROVIDE BLOOD TO IDENTIFY MY BIRTH DOCUMENTED BLOOD TYPE. 
I HAVE DOCUMENTED XXXX THAT MY PHYSCIANS WILL PROVIDE THAT I SUSTAINED IN XXXX, ARIZONA, WHICH THE XXXX  HAS IN MY COURT CASES. XXXX XXXX WILL CONFIRM FOR YOU. 

CASE NUMBER : XXXX BY XXXX XXXX XXXX XXXX XXXX XXXX THAT MY CASE WILL BE OPENED BY MEDIATOR XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX EMAIL : XXXX PLEASE CONTACT XXXX  AND LOCATE THIS INDIVIDUAL AND HAVE HIM CONTACT YOUR XXXX OFFICE. LAST TIME THIS INDIVIDUAL WHEREBOUTS WAS IN NEW YORK XXXX. HE NEVER FOLLOWED UP. 

I AM IN POSESSION OF THIS DOCUMENT. 
I WANT THIS TO END! 
I HAVE XXXX AS A RESULT OF ATTEMPTED XXXX I SUSTAINED IN XXXX, ARIZONA. XXXX XXXX WILL TESTIFY ON MY BEHALF. 
I HAVE LEGAL PROOF. THE STATE HAS LEGAL MARRIAGE CERTIFICATES IN MY NAME XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CONTACT DREAMY DRAW COURTS IN XXXX, THE JUSTICE OF THE PEACE WILL VERY THIS LEGAL DOCUMENT THAT I BROUGHT IN FOR THE WELLS FARGO XXXX. HE WILL TESTIFY THAT HE MADE COPIES FOR THE XXXX OFFICE. 
PLEASE END THIS EVASION OF UNDATED HARASSMENT. 

. 
THE SETTLEMENY ADMINISTER AT XXXX XXXX XXXX, XXXX MN XXXX INFO @ WFSETTLEMENT NEEDS TO BE AWARE THAT I HAVE THE ORIGINAL DOCUMENT. XXXX XXXX IS LYING FROM THE XXXX OFFICE.THE OFFICE WAS PROVIDED MY MARRIAGE CERTICATE. ARIZONA XXXX WILL PROVIDE NEEDED EVIDENCE. THE CA AND AZ XXXX BOARDS WILL PROVIDE MY MOTHERS MAIDEN NAME. MY FATHERS BIRTH COUNTRY AND ALL DOCUMENTS. 
WELLS FARGO IS FALSIFYING MY DOCUMENTS AND EVADES MY CASE BY STARTED A NEW CASE, I HAVE BOXES OF WELLS FARGO DOCUMENTS THAT NO ONE AT WELLS FARGO HAS EVER RESOLVE. 
I WILL PROVIDE THE NAMES OF MY BIRTH SONS AND BIRTH DATES AND HOSPITALS IN XXXX. 

ONCE AGAIN I HAVE PROVIDED ALL EVIDENCE. 

XXXX XXXX, XXXX PLEASE VER

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