vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
The Servicer has continued to pay flood premium on a non existent home. Home completely demolished due to flood damage. PNC, the last servicer to have the loan, continued to pay the premium. XXXX XXXX got the policy cancelled, and advised XXXX would do an appraisal post XXXX to verify the structure is gone. There is an open claim settlement with XXXX to pay $ XXXX for a payoff and lien release. These are the funds received on the flood claim. While this was in process, PNC referred the file to XXXX and a sale date of XXXX has been set. 
We have repeatedly requested a valid payoff, less the illegally paid XXXX Premiums since XXXX. We have been unable to rebuild, sell or refinance due to the invalid payoffs. The escrow advances now exceed $ XXXX and we can not save the home from XXXX with the escrow, atty fees and costs and interest since this first began. The modification offered also included the false escrow and not accepted. 
We have been trapped in this property since XXXX and forced to live in a property that is not up to XXXX XXXX or occupancy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
On XX/XX/2022, I paid an alleged of {$150.00} to trueaccord a debt collector in connection with XXXX  formerly known as XXXX. This has been causing undue stress upon me. I have contacted them requesting a refund and I only am receiving automated system and automated emails back. This is a direct tarnishment of my reputation as this information has already been reporting negatively to consumer reporting agencies without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I KEEP DISPUTING MY PERSONAL INFORMATION SUCH AS ADDRESSES, EMPLOYMENT, PHONE NUMBER ETC AND IT WONT REMOVE OFF OF MY REPORT. I ALSO HAVE ACCOUNTS THAT I HAVE ASKED TO BE CLOSED OR FOR A PAYMENT ARRANGEMENT DUE TO SUFFERING IN SEVERE HARDSHIP AND LOSS OF INCOME DUE TO COVID 19 AND IT DISAPPEARS OFF MY CREDIT ONLY TO BE READDED. I ALSO HAVE A CAR THAT I ALMOST PAID OFF AND IT HAS COMPLETELY DISAPPEARED FROM MY ACCOUNTS. I HAVE REACHED OUT VIA XXXX XXXX XXXXXXXX, EQUIFAX, XXXX AS WELL AS XXXX AND THEY HAVENT REMEDIED ANY SITUATION. I EVEN HAD A SCHOOL TUITION LOAN THAT HAS BEEN SOLD TO A 3RD PARTY WITHOUT NOTIFYING ME AND AS BEEN CHARGED WITH INTEREST THAT WILL NOT COME OFF OF MY REPORT. THIS IS ALL MAKING DAY TO DAY HARDER AND HARDER BECAUSE I CANT/DONT QUALIFY FOR ANYTHING DUE TO ERRORS ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello, I have disputed, called and wrote /mailed all XXXX credit companies Experian XXXX XXXX XXXX XXXX about the personal information that listed I have sent in proof of my identity & actually address to all XXXX but they are not updating my credit reports correctly my correct name is XXXX XXXX XXXX XXXX my correct and only address is XXXX XXXX XXXX XXXX NC XXXX XXXX my employer is XXXX XXXX XXXX XXXX XXXX my correct and only phone number is ( XXXX ) XXXX I would like for all other personal information listed on all 3 reports permanently removed immediately and if not removed then they should pay {$1000.00} per incorrect information listed, thank you!

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 2022-09-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
penfed reported me being late for A CAR PAYMENT THAT WAS NOT IN MY NAME AND I FILED A FRUAD CASE NEVER RECEIVED REPORT TRIED TO GIVE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XXXX Your company responded to my complaint with the CFBP stating that the incorrect account from Ally Financial has been deleted. As of XXXX this incorrect account from Ally Financial is still reporting to my credit file as should be removed as soon as possible. I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I am distressed that you have included the below information to my credit file, your organization has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under the laws of the FDCPA, I have contacted the collection agencies myself and I have not been able to get them to respond or to verify that the debt is indeed mine. The FCRA Requires you to verify the validity of the information you have placed on my credit file. If the validity can not be verified, you are obligated BY LAW to remove this item. There is a clear case of unverified debt here and I urge you to remove this item before I am forced to take legal action. My lawyer has advised me to file an FTC report, which I have done so. Our next step will be to bring this information forth to a judge in my area, while I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. The following accounts are the result of the XXXX XXXX XXXX which my information was a part of, I have attached legal documentation to this letter. I look forward to a fast turnaround.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX stores XX/XX/2018 Fraud/ scammed my Credit Card from Citi bank XXXX I immediately reported this to Citi at first and received no help. I reported constantly & called Citi to no end and no one was willing to help passing me on to other phone numbers etc. I contacted XXXX Police dept, NJ Office of Attorney Generals office XXXX XXXX : XXXX XXXX XXXX file number XXXX. XXXX on XX/XX/2018. They used my card and never provided product XXXX XXXX XXXX XXXX XXXX was one of the leaders at 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 explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the accuracy of this account on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account keeps getting ownership changes from one collection company to another. They are playing games with the dates opened, which is violation of the FDCPA. I have disputed the accuracy of this account before under different collection agencies. They have apparently sold this account and changed the open date to a more recent date this year. This is a violation, and confirms that they have no other interest other than to harm me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the accuracy of this account on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account keeps getting ownership changes from one collection company to another. They are playing games with the dates opened, which is violation of the FDCPA. I have disputed the accuracy of this account before under different collection agencies. They have apparently sold this account and changed the open date to a more recent date this year. This is a violation, and confirms that they have no other interest other than to harm me financially.

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 2022-09-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Change of Address Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Experian, XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my addresses to : Please update my name to : My only social security number is : My only and correct date of birth is : My only employers is : I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, 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 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
Good Day, My name is XXXX XXXX and I'm trying to get this alleged debt resolved. This alleged debt has been affecting my credit for years and I'm about to give XXXX to XXXX XXXX within the next month. I am about to go on XXXX XXXX or actually, I am on XXXX XXXX  and I don't have the necessary funds to pay this entire debt. Today 's economy is hard trying to make ends meet and this alleged debt doesn't make it any better. This will mean a lot if you're able to help me. Thank You and have a wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: NC

Complaint narrative:
Hello, I have disputed, called and wrote /mailed all 3 credit companies XXXX XXXX XXXX XXXX TransUnion about the personal information that listed I have sent in proof of my identity & actually address to all 3 but they are not updating my credit reports correctly my correct name is XXXX XXXX XXXX XXXX my correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my employer is XXXX XXXX XXXX XXXX XXXX my correct and only phone number is ( XXXX ) XXXX I would like for all other personal information listed on all 3 reports permanently removed immediately and if not removed then they should pay {$1000.00} per incorrect information listed, thank you!

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 2022-09-15 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: NC

Complaint narrative:
Hello, I have disputed, called and wrote /mailed all 3 credit companies XXXX XXXX Equifax XXXX XXXX XXXX the personal information that listed I have sent in proof of my identity & actually address to all 3 but they are not updating my credit reports correctly my correct name is XXXX XXXX XXXX XXXX my correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX my employer is XXXX XXXX XXXX XXXX XXXX my correct and only phone number is ( XXXX ) XXXX I would like for all other personal information listed on all 3 reports permanently removed immediately and if not removed then they should pay {$1000.00} per incorrect information listed, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: TN

Complaint narrative:
In response to a hand written update information letter sent XX/XX/XXXX and received by certified mail XX/XX/XXXX to Transunion with tracking XXXX XXXX XXXX XXXX XXXX, also a letter to XXXX sent XX/XX/XXXX and received by certified mail XX/XX/XXXX at XXXX XXXX, and also a letter to XXXX sent XX/XX/XXXX received by certified mail XX/XX/XXXX at XXXX XXXX  on XX/XX/XXXX i received in response to my letter Report number XXXX to validate information. 
the letter stated below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, XXXX, and TransUnion, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Delete Names and Addresses reporting inaccurately Name 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 XXXXXXXX XXXX Single family XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 
XXXX, TransUnion, and XXXX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

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 2022-09-15 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: TN

Complaint narrative:
In response to a hand written update information letter sent XX/XX/XXXX and received by certified mail XX/XX/XXXX to XXXX with tracking XXXX XXXX XXXX XXXX XXXX, also a letter to Equifax sent XX/XX/XXXX and received by certified mail XX/XX/XXXX at XXXX XXXX, and also a letter to XXXX sent XX/XX/XXXX received by certified mail XX/XX/XXXX at XXXX XXXX on XX/XX/XXXX i received in response to my letter Report number XXXX to validate information. 
the letter stated below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, Equifax, and XXXX, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Delete Names and Addresses reporting inaccurately Name 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 XXXXXXXX Single family XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 
XXXX, XXXX, and Equifax has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX Change of Address Letter TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my addresses to : Please update my name to : My only social security number is : My only and correct date of birth is : My only employers is : I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, 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 2022-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RevMD Partners, LLC.
State: AZ

Complaint narrative:
I went to an XXXX facility for a pre authorized procedure. Once the facility obtained the pre authorization, I was told that my bill would be a stated amount, which I paid. I received a bill for {$1000.00} from revmd stating that I owe them {$1000.00} because the procedure was not covered by my insurance. I tried to call them several times and XXXX, their collection company. They arent answering their phones within business hours. I have been unable to get this resolved

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I KEEP DISPUTING MY PERSONAL INFORMATION SUCH AS ADDRESSES, EMPLOYMENT, PHONE NUMBER ETC AND IT WONT REMOVE OFF OF MY REPORT. I ALSO HAVE ACCOUNTS THAT I HAVE ASKED TO BE CLOSED OR FOR A PAYMENT ARRANGEMENT DUE TO SUFFERING IN SEVERE HARDSHIP AND LOSS OF INCOME DUE TO COVID 19 AND IT DISAPPEARS OFF MY CREDIT ONLY TO BE READDED. I ALSO HAVE A CAR THAT I ALMOST PAID OFF AND IT HAS COMPLETELY DISAPPEARED FROM MY ACCOUNTS. I HAVE REACHED OUT VIA XXXX XXXX, XXXX, XXXX, TRANSUNION AS WELL AS XXXX AND THEY HAVENT REMEDIED ANY SITUATION. I EVEN HAD A SCHOOL TUITION LOAN THAT HAS BEEN SOLD TO A 3RD PARTY WITHOUT NOTIFYING ME AND AS BEEN CHARGED WITH INTEREST THAT WILL NOT COME OFF OF MY REPORT. THIS IS ALL MAKING DAY TO DAY HARDER AND HARDER BECAUSE I CANT/DONT QUALIFY FOR ANYTHING DUE TO ERRORS ON MY 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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I KEEP DISPUTING MY PERSONAL INFORMATION SUCH AS ADDRESSES, EMPLOYMENT, PHONE NUMBER ETC AND IT WONT REMOVE OFF OF MY REPORT. I ALSO HAVE ACCOUNTS THAT I HAVE ASKED TO BE CLOSED OR FOR A PAYMENT ARRANGEMENT DUE TO SUFFERING IN SEVERE HARDSHIP AND LOSS OF INCOME DUE TO COVID 19 AND IT DISAPPEARS OFF MY CREDIT ONLY TO BE READDED. I ALSO HAVE A CAR THAT I ALMOST PAID OFF AND IT HAS COMPLETELY DISAPPEARED FROM MY ACCOUNTS. I HAVE REACHED OUT VIA XXXX XXXX, EXPERIAN, XXXX, XXXX AS WELL AS XXXX AND THEY HAVENT REMEDIED ANY SITUATION. I EVEN HAD A SCHOOL TUITION LOAN THAT HAS BEEN SOLD TO A 3RD PARTY WITHOUT NOTIFYING ME AND AS BEEN CHARGED WITH INTEREST THAT WILL NOT COME OFF OF MY REPORT. THIS IS ALL MAKING DAY TO DAY HARDER AND HARDER BECAUSE I CANT/DONT QUALIFY FOR ANYTHING DUE TO ERRORS ON MY 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 2022-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zip Co US Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I paid an alleged of {$150.00} to XXXX a debt collector in connection with zip formerly known as QuadPay. This has been causing undue stress upon me. I have contacted them requesting a refund and I only am receiving automated system and automated emails back. This is a direct tarnishment of my reputation as this information has already been reporting negatively to consumer reporting agencies without my knowledge or consent.

Company response to consumer: Closed with explanation