vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian, XXXX are continuing to violate my rights to accurate reporting and are not being held accountable for inaccurate information an Incorrect Bankruptcy has been sitting on my report for over a year and they keep responding with a false verification Experian and XXXX are both liable for damages for {$1000.00} per violation for willful noncompliance in which they failed to comply. Pursuant 15 usc 1681n-any actual damages sustained by the consumer as a result of the failure or damages of not less than $ XXXXand not more than {$1000.00} ; At this point I plan to exercise my right to collect remedy because i have given much time for this issue to be fixed and I have also been very patient. 
I have attached documents once again including responses directly from XXXX XXXX  to prevent form being rejected as a repeat complaint XXXX also states that XXXX which is Third party reporting with no writtten consent from myself to report any information is claiming that they dont have to follow any consumer rights which is a huge problem.

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 2022-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I received a notice from credit collection services, asking to pay {$240.00} for XXXX XXXX XXXX  done in XX/XX/XXXX ( during COVID19 peak season when I had insurance with XXXX XXXX  Plan ). 

My medical condition warranted a XXXX XXXX XXXX, and so provider ordered one ( covered by insurance ) and test was conducted by XXXX XXXX. Between provider and insurer the procedure and diagnosis code were incorrectly coded and hence disposed as not covered. The test is performed at {$40.00} ( as published by XXXX online ). However, they attempted to collect unproven debt from me, as well as initiated a new claim with insurer. 

In early XX/XX/XXXX, I had a conference call with provider to have them give the right codes on the same call to XXXX, and requested them to correctly code the procedure. 

3 things concern me - 1. XXXX is price gauging ( why would they charge anyone more than market price online ) and defeating the intent of surprise billing instituted earlier this year. 
2. Inspite of my provider and me helping them with the correct code, they concurrently sent the paid amount to debt collection. 
3. According to CDC, AAFP, and other medical authorities my preventative diagnostic for XXXX XXXX is fully covered by under healthcare regulations, so its very surprising to see Quest flaunting those rules.

I would like to request a copy of this grievance to be shared with credit bureau and i will happily provide details to substantiate my request

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX is reporting that I lived at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived at the is address I have lived at XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX They are reporting a fraudulent account that does not belong to me and I want it deleted immediately. I have attached proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
never told me about {$18.00} overdue balance have tons of credit, and then they decided to report me without notifying me at all about the balance. I have almost all my accounts on autopay, this one is not LOOK at my record. They are trying to use systemic fraud to collect late fees by not informing their customers its only a few bucks for me which I paid immediately but these guys are definitely fraudsters and should pay the price. I will be paying the price unless this is completely removed from my credit. I am taking them and all the agencies to small claims court, I just had to wait for it all to show up on my credit reports to do that. Maximum damanges and possibly individual cases. Hopefully you can do something to to stop this fraud! Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian is still in violation of the FCRA by not removing the inaccurate XXXX account from my consumer report! They have not complied with my most recently submitted complaint submitted through the CFPB portal! Ive requested validation and copies of how they verified the information as being reported accurately, and Ive never been furnished any documentation. They are also reporting the entire account inaccurately by having contradictory charge-off dates! You have XXXX and XXXX as the Dates. You cant have both. The account number is also partially listed. Thats not complete accuracy! Everything has to be completely listed in order to verify the accounts accuracy! Nothing about this account is accurate!

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 2022-03-24 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act comenitycb/forever21 AC 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2522per the FTCs recommendation I reported multiple fraudulent transactions occurring on XXXX credit cards to Chase Bank. The FTC ruled them fraudulent since the company involving the transactions is a scam and stole copyrighted source code and used that code to build their program and sell it as their own. Chase canceled the cards and placed temporary refunds on each account. They said they would investigate and contact us with their decision. On XXXX and XX/XX/22 respectively they reversed the refunds with no explanation and I have yet to receive any updates as to their decision on the investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: CA

Complaint narrative:
My bankruptcy has been XXXX  more than eight years ago more than eight years ago and is still reflected on all credit reports and is public record. It should not be public record without my written consent. This record has been hindering any forward progress Im as Im attempting to correct my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My bankruptcy has been XXXX more than eight years ago more than eight years ago and is still reflected on all credit reports and is public record. It should not be public record without my written consent. This record has been hindering any forward progress Im as Im attempting to correct my credit profile.

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 2022-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My bankruptcy has been XXXX more than eight years ago more than eight years ago and is still reflected on all credit reports and is public record. It should not be public record without my written consent. This record has been hindering any forward progress Im as Im attempting to correct my credit profile.

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 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/2022, I mailed a check to Citi deposit department to deposit a check of XXXX from my XXXX  account. XX/XX/2022, the check was not cashed and I called Citi. Citi agents told me they did not receive my check, so I requested them to close my account. XX/XX/2022, the check was posted from my XXXX account and the transaction date was XX/XX/2022. I called Citi and asked where is my XXXX. They told me my account was closed on XX/XX/2022, so the check was not processed successfully and suggested me asking XXXX where is the money. I called XXXX on XX/XX/2022 and went to XXXX branch on XX/XX/2022, I was provided the document that money was cleared and released to Citi bank. I kept calling Citi from XXXX asking for the money. I was told my check was never deposited successfully. I got a statement on XX/XX/2022 dated XXXX, with XXXX balance and no transaction. I recoreded XXXX of the agents names I talked to XXXX, XXXX id # XXXX, Ref # XXXX, and XXXX claim # 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 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
A company by the name of I.C.System has called and harassed me viciously regarding a debt from XXXX XXXX XXXX XXXX Now they are sending letters to my home claiming I owe {$160.00}.

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: PA

Complaint narrative:
To whom it may concern, I am writing to you because I reviewed my credit report, and this company is reporting a hard inquiry on my credit report. I never applied for credit with this company.

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
To whom it may concern, I am writing to you because I reviewed my credit report, and this company is reporting a hard inquiry on my credit report. I never applied for credit with this company.

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 2022-03-25 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: Lockhart, Morris & Montgomery Inc.
State: MD

Complaint narrative:
On XX/XX/2021 LOCKHART, MORRIS & MONT, added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was tranferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, LOCKHART, MORRIS & MONT, has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: CA

Complaint narrative:
Found out in my credit report that I have some trying to collect a dept bill that I dont know in the amount of {$1800.00} on XX/XX/2022 by XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX AC 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CMG Financial Services, Inc.
State: NV

Complaint narrative:
I recieved an email from my Mortgage Lender ( CMG Financial ) that my forbearance plan is in effect since XX/XX/2021 as approved with consultant from HUD Counselor over the phone. 

While on XX/XX/XXXX I contacted CMG Financial and asked them why they were still reporting my credit and they notified that my forbearance plan ended which was done without my consent I called again on XX/XX/2021 they reinstated that my forbearance is effective. 

I feel its not fair to be reporting my credit especially if my forbearance plan was in effect since 2021, I want to emphasize that I am protected under the CARES Act and this should not be reported to my credit. 

Thank you for you time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I discovered hard inquiries on my XXXX, XXXX, and Transunion credit reports. The following institutions had requested my credit information from the following credit bureaus : Transunion : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX : XXXX XXXX  ( twice ), XXXX XXXX XXXX XXXX I do not recognize these institutions, nor have I applied for any product with them, especially XXXX that would require my credit information. 

I called XXXX XXXX XXXX XXXX. They claimed they had no record of my information or a request for a financial product in their system. I asked them to then correct the hard inquiry. I was told they can not fix the hard inquiry because there is no record of an application containing my social security number. 

I called XXXX XXXX XXXX, but the number listed with the hard inquiry on my credit report was not a valid number. 

I called XXXX XXXX, but they, ike XXXX XXXX XXXX XXXX, claimed they had no record of my information or a request for a financial product with my social security number attached to it, in their system. 

XXXX does not provide an option to file an online dispute against hard inquiries. I called XXXX 's phone line but could not get a live a representative. I called their corporate office for help, but was repeatedly transferred to the same line that did not provide a live person to talk to. After numerous calls to get help, I reached a man named XXXX who said that XXXX had no responsibility to remove the hard inquiry or do an investigation around it, and suggested I go directly to the creditor, by mail, and have it removed. However, he could not give me any instructions on how or where to contact the creditors to get the hard inquiries removed. 

Transunion does not provide an option to file an online dispute against hard inquiries. I completed an online chat with Transunion, and the representatitive insisted that I have to go to the creditor whom placed the hard inquiry to get it removed. I explained what had transpired when I contacted the institutions to have them remove the inquiry, but XXXX insisted that it was not Transunion 's responsibility to remove it or even verify that the request for my credit information was a valid request. 

I was able to file an online dispute with XXXX regarding XXXX XXXX XXXX. I have yet to hear back from them.

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Greetings, Thanks For taking the time out for reading my notice. I have sent Numerous notices to Equifax, XXXX, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Greetings, Thanks For taking the time out for reading my notice. I have sent Numerous notices to XXXX, Experian, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report

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 2022-03-25 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: FL

Complaint narrative:
I had been living in my home for the last 20 years and when the owner decided he was going to sell I had to pull my credit apartment search when I saw all these inquiries and credit cards medical bills ect on my credit profile and a XXXX Florida address come up I have never ever lived in XXXX Florida but my ex boyfriend does so I did a XXXX search on the address and XXXX image and his XXXX XXXX XXXX XXXX came up so I think he rented his house in my name and gave my info to others he hates me and has been tounting me for years I have no actual proof but I did contact police.

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