vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i have a fraud account on my report ive submitted all required documents to support my claim, the bureau claims that these documents were not in report as a cfpb rep clearly states that they are included as this report will also ... ... .. XXXX XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT I WILL LIKE TO HAVE IT REMOVED IMMEDIATELY

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 2022-11-14 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:
To whom it may concern : All collection accounts You're reporting this collection as a " OPEN ACCOUNT '' which isn't under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

The agency cant prove I owe them the debt Ive asked for original documentation stating I contracted with them Have asked for it to be removed from credit because one or more is a Hippa violation Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To whom it may concern : All collection accounts You're reporting this collection as a " OPEN ACCOUNT '' which isn't under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

The agency cant prove I owe them the debt Ive asked for original documentation stating I contracted with them Have asked for it to be removed from credit because one or more is a Hippa violation Sincerely, 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 2022-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frost-Arnett Company
State: GA

Complaint narrative:
I received a letter from Frost-Arnett to collect a debt to XXXX XXXX. A Check was sent to XXXX. The letter threated to hit my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OneMain Finance Corporation
State: DE

Complaint narrative:
I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with OneMain Financial. I am a natural person, federally protected consumer, and original creditor defined under 15 USC 1602 ( g ). The " loan '' which is the subject of this transaction was primarily for personal, family, and household purposes. First and foremost, I was never informed on the cost of credit and was never given adequate notice which sets forth the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ). I did not receive written notice from OneMain Financial providing the name of the original creditor or the amount of the alleged debt under XXXX5 USC 1692g. Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to pay the " loan '' without penalty which violates 18 USC 880. My decision regarding the entire transaction was uniformed. OneMain Financial has engaged in extortion and racketeering activity under XXXX XXXX Chapter XXXX. I am aware that all extensions of credit are tied to my social security number and that the United States is responsible for the repayment of the alleged debt under XXXX XXXX XXXX. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: CO

Complaint narrative:
XXXX $ XXXX LIMIT {$500.00} DATE XXXX DATE OF XXXX XXXX ACCOUNT XXXX I SENT LETTERS EXPLAINING THIS IS NOT MY ACCOUNT NO RESPONSE FROM COMPANY IN OVER 3 YEARS, I WANT THIS ACCOUNT REMOVED FROM MY EQUIFAX CREDIT REPORT, NO ANSWER OR HELP FROM EQUIFAX BECAUSE I WAS PART OF THE BREACH WITH EQUIFAX I WANT ACCOUNT REMOVE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: LA

Complaint narrative:
I called the company on XX/XX/2022 and requested validation. I also sent IQ Data International a Certified Letter, dated XXXX XXXX, XXXX  requesting that they validate the debt within 30 days. Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX. The company has yet to respond to my Certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
The Mortgage Fay Servicing recently purchased ( XX/XX/XXXX ) my mortgage from another company, XXXX XXXX XXXX and they added mortgage insurance and homeowners insurance escrows to my payments raising my payments {$260.00} each month or {$3100.00} a year. I have advised the company on numerous occasions ( Calls made XXXX XXXX XXXX XXXX XXXX ) and have faxed documentation multiple times ( XXXX XXXX XXXX XXXX ) to demonstrate that I have my own homeowners insurance, to include personal insurance and insurance through my condo 's master 's insurance policy but the mortgage company continues to require me to pay their insurance which is $ XXXX and far more expensive than what I am currently paying for the other two insurance and unnecessary as I already have two sets of insurance. 

In addition, I have had this mortgage since XXXX which was modified in XXXX and I have never had to pay mortgage insurance on the property since owning the home until they assumed the loan. I have requested them to remove both the MI and the other insurance and the will not remove it despite being told on multiple occasions that they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
On or about XX/XX/2022 the company was contacted by me regarding information I believe inaccurate and/or incorrect being reported on my credit reports. I asked the company to provide account level document regarding the account. I asked the company to provide proof of ownership of the account among many other items which can be seen clearly in the attached documents the company has failed to respond and failed to delete the information it is reporting as accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: MS

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( XXXX ). Block and remove.

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 2022-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: C.Tech Collections, Inc.
State: NY

Complaint narrative:
C.TECH collections never contacted me about a medical debt and reported the collection to XXXX XXXX XXXX reporting without establishing contact with me first. This negatively impacted my XXXX  score dropping it by XXXX points. I was unable to secure a loan due to my lower XXXX  score. C.TECH was unable to provide proof that they attempted to contact me. They had no evidence by mail or recorded phone conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: FL

Complaint narrative:
( SEE ATTACHED LETTER PROOF FROM CREDITOR PF FRAUDULENT INQUIRES ) TRANSUNION CONTINUES WILLFUL NON COMPLIANCE AND ASSISTING IN FRAUD AND DEFAMATION OF CHARACTER WILL USE THIS AS PROOF FOR LEGAL ACTIONS.

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 2022-11-14 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: Convergent Resources, Inc.
State: KY

Complaint narrative:
On or about XX/XX/2022 the company was contacted by me regarding information I believe inaccurate and/or incorrect being reported on my credit reports. I asked the company to provide account level document regarding the account. I asked the company to provide proof of ownership of the account among many other items which can be seen clearly in the attached documents the company has failed to respond and failed to delete the information it is reporting as 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 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am a XXXX XXXX I ordered XXXX authorized transaction from XXXX XXXX XXXX ( based in XXXX ) and for XXXX year, they made fraudulent charges, totaling over {$1900.00}. XXXX has a protection plan, but they are playing hard ball and stonewalling me. I went through the process, and it has been over 30 days. I need help to reclaim {$1900.00} taken from my checking account. I have contacted the bank and the bank says to contact XXXX who does nothing. The date the fraud started was XX/XX/XXXX and it has been continuing until XX/XX/XXXX, in the total amount of {$1900.00} by XXXX, through 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 2022-11-14 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 — Their investigation did not fix an error on your report
Company: LJ Ross Associates
State: IL

Complaint narrative:
i have a fraud account on my report ive submitted all required documents to support my claim, the bureau claims that these documents were not in report as a cfpb rep clearly states that they are included as this report will also ... ... .. L J ROSS ASSOC IS A FRAUDULENT ACCOUNT I WILL LIKE TO HAVE IT REMOVED IMMEDIATELY

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 2022-11-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I had a home equity line of credit with PNC Bank that I closed in 2014. The account is still being reported on my credit report as opened. This action on PNC Banks part is preventing me from applying for other mortgage loans since banks are under the impression that I still have an active account with PNC Bank. This account needs to be CLOSED immediately and expunged from my credit report. 
Its been over a month that I have been contacting PNC Bank a nobody seems to be able to help me. I have sent a signed written request asking that the account be closed so I can go about my personal business. I need this done immediately!!!!!! 
Account number : XXXX Home Equity Line of credit with PNC Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022 I was provided an update from XXXX XXXX in regard to my complaint against them for false information submitted on my credit file. XXXX XXXX responded to the complaint. However, TransUnion has not provided any update as stated in their response from XXXX XXXX. I am asking that TransUnion update my credit file with the response from XXXX XXXX. TransUnion has continued to violate my rights under the Fair Credit Reporting Act by not providing and or report inaccurate information on my credit file.

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 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
LINEBARGER GOGGAN & SAMPSOM, LLP - XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. Tel # : XXXX This debt is from the XXXX XXXX Red light Signal infraction ticket from a rental car ( XXXX ) that rented in my name while my car was been fixed. Car was being driven at the time by my wife when the infraction occurred. The photo from the ticket shows her clearly driving the car and I wasn't in the vehicle. When the ticket I arrived, filled out the information letting the agency know that it wasn't me driving the car and included all the relevant information of my wife ( DL # ). She has since taken care of the issue and have the court dismiss the ticket. I am however receiving harassing letters and they have refused to go back to their client and verify the dismissal of the said ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: IL

Complaint narrative:
Hi, I attempted to verify this debt and the amount with this company XXXX different times. I never received anything back. I verified my address with them, and still, nothing ever came. I do not think they can verify it. I have tried to dispute, and it has not been resolved I now have to submit a complaint because the amount of the debt keeps growing without notice or any validation. 

The company claims the original creditor and the credit bureaus are taking on the fees on this account and that I owe an amount that I do not owe and have not been made notice of or actually owe as its fraud and all I have wanted to do was get this resolved and this company on recorded lines have made claims that the credit bureau is responsible for the amount and the fees and it can not be removed disputed or settled after 6 times in the last year trying to verify and not receiving anything back. 

Please remove this, as it is violating my rights and hurting 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 2022-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They have sent back stating that everything is verified correctly for the account of Capital One # XXXX. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: TX

Complaint narrative:
UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. EXPERIAN, XXXX, AND XXXX HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EXPERIAN, XXXX, AND XXXX, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS. ALSO, THE ADDRESSES LISTED ON MY CREDIT REPORT ARE NOT MINES, I'VE NEVER LIVED AT ANY OF THESE PLACES : 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 COULD YOU PLEASE DELETE THEM 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 non-monetary relief
Consumer complaint received 2022-11-14 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: OH

Complaint narrative:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

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