vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance XXXX {$1300.00}

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 non-monetary relief
Consumer complaint received 2022-05-20 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
This case was previously presented to CFPB in which the debt collector agreed to remove it from all credit reports. The case number is XXXX. Upon monitoring and contacting all 3 bureaus the debt collector is refusing to remove this account from my credit. Attached are all documents that were previously presented to prove that this debt is not mine. Also attached is the statement provided by the debt collector to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: NY

Complaint narrative:
I would like to dispute certain information in my file which I believe is possibly Identitytheft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft tookplace, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Section 605b.The 3 Credit Bureaus needs to remove the account from my file. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 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: VA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$10.00}, XXXX XXXXXXXX Balance : {$0.00}

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
I opened an account with Self Financial in XXXX of XXXX  Their advertising states that if you pay {$25.00} a month, your credit score will increase, and after paying for 2 years, you will get a payout of {$520.00} ( {$600.00} minus an {$89.00} fee ). I paid on time, and paid off my credit usage every month. At the end of 2 years ( this XXXX ), I only received {$46.00}. I want the rest of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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, XXXX XXXXXXXX XXXX account # XXXXXXXXXXX XXXX, Loan Amount {$4500.00} has violated my rights. 

In accordance with the fair credit reporting actXXXX XXXX XXXXXXXX XXXX account # XXXXXXXXXXX XXXX, Loan Amount {$1000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX XXXX XXXXXXXX account # XXXXXXXXXXX XXXX, Loan Amount {$3000.00} 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2022-05-20 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: AL

Complaint narrative:
I do not recognize any of these inquiries listed on my credit report when I checked. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I do not recognize any of these inquiries listed on my credit report when I checked. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: LA

Complaint narrative:
N Accordance with the Fair Credit Reporting Act XXXX  Account # s & Names XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has Violated My Rights 15 U.S.C 1681 Section 602 States I have The Right to Privacy.

15 U.S.C Section 604 Section2 : 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 non-monetary relief
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Acccout # 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

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 2022-05-20 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:
I would like to dispute certain information in my file which I believe is possibly Identitytheft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft tookplace, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Section 605b.The 3 Credit Bureaus needs to remove the account from my file. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to dispute certain information in my file which I believe is possibly Identitytheft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft tookplace, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Section 605b.The 3 Credit Bureaus needs to remove the account from my file. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 

I5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency Can not furnish a account without My written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer Credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-05-20 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I settled a debt with Ally Financial. 
I disputed the remarks on my credit report. 
They added " customer disagrees '' but did not change the remarks. 
Ally also added the remaining balance of {$4500.00} that should have been settled in our agreement. 
I then opened another dispute. 
After weeks they re opened the account which plummeted my credit. 
I called Ally and they won't talk to me. 
They wanted to talk to me legal representation. 
I called the company I used to help settle this account. 
I have not heard back. 
This was the settlement schedule that I upheld. 

Ally Financial - XXXX Current Balance Owed to Creditor - {$9100.00} Proposed Settlement Offer - {$4500.00} Number of payments - XXXX Monthly Payment XXXX XXXX x {$210.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} Now the account is open and says it's in collections.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PNC Bank N.A.
State: TX

Complaint narrative:
BBVA was bought by PNC I paid XXXX every month through auto pay with XXXX to BBVA on the XXXX of each month. Then all the sudden without my notice PNC incorrectly change my account to be Escrowed which I didn't give in consent to do. which this resulted in my normal payment of XXXX to go to over XXXX so the XXXX was short and I was unaware of bc they had an incorrect address on file. I continued to pay theXXXX being unaware and finally was contacted and explained the situation to PNC so they switched it back to XXXX but during the weeks and at least 10 calls they somehow still in correctly reported me 60 days late.?? which is strange because there is no 30 day? 
I have all my statements and documentation that I made every payment on XXXX of every month.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, around XXXX XXXX, I transferred money from my JPM Bank account to my XXXX  XXXX XXXX account. Noticing I didn't receive a notification of transaction, I contacted JPM Bank to see what had happened. Then the JPM Banking representative confirmed it has been moved to an account on a number I no longer had but it was mine prior. On XX/XX/2022 I changed my phone number and I changed it to my account on both parties, however, JPM Bank did not update my information and sent the money to the wrong party. After this incident I had multiple contacts with a lot of JPM Bank representatives, including a supervisor, that refused to help me further in investigating and they stated that it was my fault for making the transaction. I was left with no answer. I called several times and all of the calls were terminated on me. Again, I was left with no answer or help. When receiving a letter from JPM Banking, I got proof from the bank stating it was sent to my bank account on XXXX  XXXX XXXX but my bank statement says otherwise, since I never received the transaction. Furthermore, my case was open and closed several times. On XX/XX/2022, a JPM Bank representative stated that he would re-open my claim and I would be able to fax documents, one stating that I have received a letter from JPM Banking of the claim and another one that would prove that the phone number the money has been sent to was mine. On XX/XX/2022, while trying to fax the documents, another JPM Banking representative refused to get the fax documents and stated my claim was closed, again. I have had enough patience regarding this matter. For almost a month I have been trying to dispute and fix this matter and I still do not get an answer nor do I get the claim open with any further information or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC
State: FL

Complaint narrative:
The company repeatedly calls throughout the day..3 to 5 times after the payment " due date '' .I pay my bill every month within the 30 day period before its reportable. I've never missed a payment in 19 months.

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 2022-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: PatientFi, Inc.
State: IL

Complaint narrative:
Today I received an email from Patient Fi stating that my application was denied due to the below : Serious delinquency, Number of accounts with delinquency, Too few accounts currently paid as agreed, Proportion of loan balances to loan amounts is too high, The number of inquiries on the consumer 's credit file has adversely affected the credit score. 
If you have any questions about your credit score, you should contact : 1st of all I feel like I'm being pranked, because I never applied for an account with these people. On top of that I have a XXXX XXXX score with no delinquents. Please review the attachments to support my claim. Also it also shows that on my XXXX credit report these people never accessed my credit report. 

Please let me know if these people are scammers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: Possible Financial Inc
State: TX

Complaint narrative:
Posssible finance is reporting inaccurate information on my report. Please look into this matter and have this account removed from my credit files

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation