vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 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: GA

Complaint narrative:
I have asked the Credit Bureau and the company to do a credit search and I did a complete search as well for the inconsistencies. 

Account Name : XXXXXXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 a states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I sent a letter out on XX/XX/2022 to XXXX, XXXX, and XXXX. Here is my Tacking number # XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back with proof of a wet signature etc. This is not making any sense. 

In accordance with the Fair Credit Reporting act XXXX  Accounts : -National Credit Adjusters, L.L.C # XXXX -XXXX & XXXX XXXX XXXX XXXX -XXXX XXXX Account # XXXX -XXXX  # XXXX XXXX XXXX XXXX, XXXX # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: OR

Complaint narrative:
I was called and told that I owed money and that I had to pay a settlement today. I said I needed documentation because I honestly didn't know if it was a scam or not. The lady said I was PLAYING GAMES with her and was very aggressive and NOT HELPFUL on the phone. I just needed to verify that it was a true debt. She said the debt dated back to XX/XX/2016 and that I tried to claim bankruptcy on it and mentioned a XXXX XXXX account and none of that sounded familiar so I said that I needed something in mail. I felt attacked as she was not helpful in the slightest and kept talking over me so I hung up. She kept calling on different numbers but I did not answer. This is NOT the way to try to handle a debt. I'm willing to pay off debts of course but this was absurd and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Nordstrom is withholding several Credit card statements from me for an upcoming small claims lawsuit against them. The missing statements are as follows : XX/XX/2022, XX/XX/2022, and XX/XX/2022. Why are they hiding them?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act Account number XXXX has violated my rights.15 U.S.C Section 602A states I have the right to privacy. 15 U.S.C Section 602A states a consumer reporting agency can not furnish an account without my written instruction in this case Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Credit Card was hacked originally and Barclay would not resolve the issue. I chose to pay off the card and close the account. I paid {$800.00} on XX/XX/XXXX. Another payment of XXXX on XX/XX/XXXX. And then got notified that there was still a balance on the card of XXXX. That was paid off on XX/XX/XXXX and i requested that the account be closed at that time. I was working on getting a loan approved and was informed that the account was showing in collections. I reached out to Barclay and found that they had put my account in collections over a charge of XXXX that was on XX/XX/XXXX. This was almost an entire year after the account was requested to be closed. I dont have the card and did not make this purchase. I called Barclay and even offered to pay off the account, even though this was not my charge. I was told by Barclay that we would have to mail in a payment of XXXX to Card Services in XXXX and that they could not take the payment over the phone. I have never payed this card late or missed a payment on this account until the charge after the account was to be closed. I also had this card setup on autodraft for the payments to be made automatically. There should never have been a reason to XXXX allow the charge on an account that was requested closed by the account owner. XXXX never went to collections when it was setup for autodraft from my bank account for payments to be made automatically.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX : incorrect address and incorrect inquiries, I have called and some of these business say they have no record of me applying to them. ( XXXX XXXX XXXX  ) keeps showing up as an inquiry on credit report and XXXX XXXX continues to show up as an automobile credit account which I have never had with XXXX  XXXX. Now there is are Miscellaneous Credit Reporting Agencies showing up in the inquiry portion of this report like XXXX, XXXX ... NEVER HEARD OF THEM! Also an XXXX XXXX  XXXX never hear of them either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler felk and Warsaw tried to collect a 17 yr old credit card write off. They levied my bank account. My only source of income is social security disability and a small pension from ups. I provided all records of award letters dating back many years as well as bank statements of 3 months. They sent me a letter objecting to the levy objection saying I was missing a page of account records. I gave all of the docs to the Court administrator and she copied them and stapled them together. I mailed them certified and regular. Now my wife and I must go to court Thursday, XX/XX/30 to address this. How do I go about fining them $ XXXX per violation as per the new law?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
DEPT OF EDXXXX ACCT XXXX XXXX DEPT OF EDXXXX ACCT # XXXX DEPT OF EDXXXX ACCT # XXXX XXXXXXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX 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. Convergent Account # 1234 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or 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 2023-03-28 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 — Their investigation did not fix an error on your report
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
This debt collector participated in abusive and unfair practices of the FDCPA. They listed this account ( Fair Collections & Out ) that we did not agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in this transaction. This is unfair because they did not follow the 5 step validation procedure. According to the FDCPA, I am entitled to compensation of {$1000.00} per violation. This is evidently a violation of my rights. I demand this company to delete this account from all three credit reporting agencies ( XXXX, XXXX, and XXXX ) and compensate me for the violations for the account listed below. If the company does not comply I will have no choice but to forward this to my litigation attorney. Fair Collections & Out- XXXX ... {$5500.00} Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was in contact with Pentagon Federal Credit Union speaking with an associate that was assisting me on finding an account with them that is showing on my credit report. I told the associate I have no card with them and need my name taken off of any account with them because I have never done business there nor given my information to them. The associate asked for my social security, which I provided, and they could not find an account with my information on it. I told him it is showing on my report and he needs to find the account and remove me. Associate said he could not find anything and if I submit a dispute with XXXX the account will be taken off since there is not an account. I asked if there was any one else in his department that could look or take my information off and he told me submitting the dispute will do so. This call took place XX/XX/23 at XXXX XXXX  CST and took over 8 minutes. I began the dispute process and the outcome was a notice that Pentagon confirmed the information was accurate. This was over a month waiting to hear back when I was assured by the company that I was not attached to an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 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: AZ

Complaint narrative:
I have been disputing an incorrect item on my Experian credit report since XX/XX/XXXX. Instead of investigating Experian continues to accept XXXX XXXX XXXX word for the incorrect item. I have personally requested that XXXX XXXX XXXX send ME verification of the account, such as, the name and telephone voice recording of who originally ordered the service from XXXX , the date of the request, the billing address given, and the name on the credit card securing the order. XXXX XXXX XXXX has NOT provided this information to me or to Experian. I have never received a bill for this account because I do not now nor have I ever had an account with them. I am XXXX years old under doctor 's care and the stress of this is further damaging my health. I have maintained excellent credit for more than 60 years. This incorrect collection on my credit report has knocked my FICO score down from XXXX to below 700. I keep trying to contact Experian about this, but their phone number takes me to a robot telephone loop. My complaint is about Experian AND XXXX XXXX XXXX. Because of my age, I feel totally taken advantage of that borders on elder abuse. I have no documents to submit, because I did not order this service, have never received a bill. I don't know how to upload my letters to XXXX XXXX XXXX or Experian. May I send you copies through the mail?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: CA

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX  {$910.00} XXXX XXXX XXXX {$0.00} XX/XX/20XXXX 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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Chex Systems Inc. has a recent claim that XXXX XXXX XXXX has verified that I have an unpaid debt with them. 

Yet again, they have failed to provide me with a copy of any viable evidence submitted by XXXX XXXXXXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX  regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX  bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your report.

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General & # 39 ; s office, should you continue in your non-compliance. 

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non- compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX this is my previous complaint number, XXXX XXXX XXXX has been no help and they have destroyed my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX this is my previous complaint number, bank of america has been no help and they have destroyed my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: IL

Complaint narrative:
I recently check my credit file and i saw a account that was mines the date of the account was XX/XX/2022 the collection Agency was XXXX XXXX XXXX. THE AMOUNT WAS {$710.00} I have no recognition of this account or knowledge of this account. I'm a victim of fraud. In information is report wrong information on my credit file. I being violated of my rights under the fair credit ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Today I was contacted by XXXX XXXX from the subsidiary company Wells Fargo hired out to cheat victims of WF criminal schemes. During this call he indicated he was mad that I had filed with the CFPB. He again refused to allow me to provide evidence of the illegal and abusive actions of WF. He stated repeatedly that he would decide and it was clear his animosity would result in no reparations in spite of the rightfulness of my claim. He was dismissive, rude, uncaring and abusive and indicated I am a liar. He refused to listen or discuss my case. It is very clear he is only marshaling facts to support denial of rightful restitution to my family. 

I am formally requesting that WF get a unbiased decision maker who is not abusive, not smug pedantic, patronizing or grossly biased. 

I further am complaining that WF are the ADMITTED bad actors AND YET THEY ARE IN CONTROL AND CONTINUING THEIR UNETHICAL BUSINESS AS USUAL ignore, abuse, steal from their own clients, I want an unbiased person who is not abusive, who cares and as XXXX XXXX promised will make whole all us victims. 

He also screamed at me when he thought I might be recording him. He stated only he could record me. He is wrong. But he was very concerned there would be a record of his unethical treatment of me. Further, he only ever called me he admitted because of my complaint, This is a new concern given XXXX 's demonstrated biased and abusive behavior, he has demonstrated personal amimus against me personally, refuses to allow me ANY input or to testify or present evidence ( that I have in audio and emails TO WF agents ) has essentially called me a liar, screamed at me for filing a complaint, lied about who he works for, and stated he made final decision already but couldnt " tell me ''. I again begged to have input with the recordings, emails and previous CFPB detailed complaints I made at the time proving illegal dual trackingand other egregious abuses, XXXX XXXX clearly only has ine objective ; to deny as many reparation claims as possible and he marshals or creates anything to support this conclusion. Otherwise he would be happy to accept and utilize my testimony and proof.

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