vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 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: AZ

Complaint narrative:
In XX/XX/XXXX, I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries - XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX address needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & the following accounts- XXXX XXXX XXXX Balance XXXX : {$870.00} XXXX XXXX Balance Owed : $ XXXXPlease block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this 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 non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Hello! I have attempted to dispute a {$20.00} charge to my checking account made under fraudulent pretenses, and Chase Bank refused to attempt to recover the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mortgage holder is XXXX and my bank is Wells Fargo. I make payments to my mortgage via XXXX XXXX, and I make them monthly and on time. My payment for our XXXX mortgage was made by XXXX XXXX at Wells Fargo on XX/XX/21. This is fully documented in my account records and statements. My mortgage holder, XXXX, states that they did not receive the payment. They, however, received the prior payment and the following payment, no problem. These payments were sent to them the identical way. This means that whatever problem occurred happened between when Wells Fargo made the payment to XXXX on XX/XX/21, and when/if XXXX received the payment and/or misapplied it. This means that there was no error on my end in the transaction ; however, since this occurred, both Wells Fargo and XXXX are trying to avoid taking responsibility for the error in payment application. I have made XXXX calls to date, to both Wells Fargo and XXXX, in an attempt to rectify the matter. I have sent a letter to XXXX letting them know that there was an open investigation with Wells Fargo, and that if Wells Fargo contacted them, I would appreciate their cooperation. I have had both Wells Fargo and XXXX on the line on a conference call, and the call ended with both parties accusing the other of the missed payment. It was incredible. I have the dates and names of the parties on that call. I will attempt to resolve the matter with XXXX additional conference call. After that, and the filing of this formal complaint, I feel I'll have no further recourse to protect my interests than to retain legal counsel and sue XXXX for negligence. Because of this, my credit score has been inoridinately affected and I've been sent a notice of default on my mortgage.

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 2022-03-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My credit for it says I have a XXXX account and a Bank of America card I never had 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 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
account found in my most recently credit report and ive called the creditor and my info isnt found?? but its on my credit report when i did not request any of this services

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 2022-03-22 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: RI

Complaint narrative:
account found in my most recently credit report and ive called the creditor and my info isnt found?? but its on my credit report when i did not request any of this services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: IL

Complaint narrative:
My credit report is reporting that I have XXXX accounts in collection ( despite my payment history saying " XXXX XXXX  of payments made on time ). However, they have been closed out since XX/XX/XXXX. They've yet to fall off my credit report and is prohibiting me from making other financial investments. As companies are denying me due to " unsatisfactory payment '' history. 


XXXX XXXX : XXXX XXXX XXXX Originator : XXXX XXXX Opened : XX/XX/XXXX Payment Status : Paid Amount : {$100.00} XXXX XXXX : XXXX XXXX Originator : XXXX XXXX  Opened : XX/XX/XXXX Payment Status : Paid Amount : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: CITIBANK, N.A.
State: MA

Complaint narrative:
My credit for it says I have a Macys account and a XXXX XXXX XXXXXXXX card I never had 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 2022-03-22 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: MI

Complaint narrative:
i am a consumer by law and my information was misused and has accounts being reported without my consent.

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 2022-03-22 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
account found in my most recently credit report and ive called the creditor and my info isnt found?? but its on my credit report when i did not request any of this services

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 2022-03-22 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: AL

Complaint narrative:
I have recently reached out to the bureaus and creditors regarding incorrect items on my credit report. I've been going back and forth for almost a year now and this is very frustrating that. My name is incorrect, my address is incorrect. I've opted out of having my information shared. I sent in letters from the bankruptcy court stating they are not reporting any bankrupt. I've tried disputing with letters and by phone but nothing seems to work. Student loan department have been reporting late payments when the account is actually in deferment. This is caused me quite but of stress. I would like only XXXX name and address on my report. I would like the XXXX to be deleted, Transunion was the only bureau who deleted the information. XXXX is reporting a collection with no contact information for me to see what exactly it is. They just send me letters saying this is verified. I'm not sure who verified this information if there is no creditor listed. XXXX XXXX XXXX is showing XXXX as a creditor one says a charge off and the other is current with a balance on XXXX and {$0.00} on the other.

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 2022-03-22 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: AL

Complaint narrative:
I have recently reached out to the bureaus and creditors regarding incorrect items on my credit report. I've been going back and forth for almost a year now and this is very frustrating that. My name is incorrect, my address is incorrect. I've opted out of having my information shared. I sent in letters from the bankruptcy court stating they are not reporting any bankrupt. I've tried disputing with letters and by phone but nothing seems to work. Student loan department have been reporting late payments when the account is actually in deferment. This is caused me quite but of stress. I would like only XXXX name and address on my report. I would like the XXXX to be deleted, XXXX was the only bureau who deleted the information. XXXX is reporting a collection with no contact information for me to see what exactly it is. They just send me letters saying this is verified. I'm not sure who verified this information if there is no creditor listed. Experian XXXX XXXX is showing XXXX as a creditor one says a charge off and the other is current with a balance on XXXX and {$0.00} on the other.

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 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In 2021, I began requesting the validity of my consumer report be investigated by TransUnion as I noticed MULTIPLE inaccuracies being reported. After TransUnion decided to close their " investigation '', they began updating the comments on the report to say and I quote " Account information disputed by consumer, meets FCRA requirements ''. Let 's expand on this, according to 15 USC 1681 which are the " requirements '' TransUnion claims to " meet '', consumer reporting agencies are to exercise their grave responsibilities with fairness and accuracy, if TransUnion was in fact doing this, there would be no discrepancies as far as what is true and what is not by me as the consumer. Unfortunately, while checking my consumer report, TransUnion 's information does not match the information listed on other consumer reporting agencies. This alone, verifies that TransUnion, not only has violated the very act that it claims to have 'met ' but also is demonstrating being willfully uncompliant. I, as the consumer have the right to hold TransUnion liable for each violation listed in their report on me in accordance to 15 USC 1681n ( a ) ( 1 ) ( A ). I am seeking damages for each violation as the inaccuracies listed on my consumer report has prevent me from being able to obtain the necessary funding to take care of my financial responsibilities and the embarrassment I have faced being denied in public for various accounts. I am demanding full reparations for the trouble caused. How can you as the consumer reporting agency state that the accounts that were disputed met the FCRA when they are inaccurate? This proves that you are not in compliance and you do not understand what " meets the requirements '' mean. In the exhibits, you will see that there are duplicate accounts as well ( another violation ). Since 2021, TransUnion has also deleted quite a bit of these items which is also admittance that they were violating the FCRA.

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 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tate and Kirlin Assoc
State: IN

Complaint narrative:
This company is psychopathic in nature and continues to call, harass, mail, and collect on a debt that I do not owe. They have contacted my daughter repeatedly via text and refuses to validate the debt as accurate. I don't verify my information over the phone and never will. They have also threatened to sue and/or face jail time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: NM

Complaint narrative:
XX/XX/XXXX XXXX notified me that I had changed my address. I had NOT XX/XX/XXXX received credit card in the mail I had NOT applied for XX/XX/XXXX Credit card company resolved this XX/XX/XXXX Mail is still being returned and forwarded to incorrect address XX/XX/XXXX to present Credit card companies are changing my mailing address to the FRADULENT XXXX XX/XX/XXXX credit reporting agency notified me that a new address is associated with my SS # XX/XX/XXXX credit reporting agency notified me that a new address is associated with my SS #

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 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
This company violate my 15 usc rights 1 ) collection shows a dollar amount 2 ) denied me my 1099c form on a charge off account 3 ) denied to validate debit 4 ) told told me on phone attempt to collection a Debit XX/XX/2022 XXXX XXXXXXXX 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 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: CA

Complaint narrative:
Mortgage Payment was mailed to address on coupon provided by Provident Funding, same as I've done for last 20+ years. They claim they never received the XX/XX/XXXX payment, mailed on XX/XX/XXXX. I called customer service, and was told to cancel the check and resubmit, which I did immediately. However, they are INSISTING that this is my fault and are assessing a {$39.00} late fee. They refuse to refund the fee, stating that is " wasn't a Provident Funding '' error. However, there's really no way to know where the error is... ..they send me a coupon book and instruct me to send the check to a lockbox/ po box , and from there they have a courrier pick up. For them to give me these instructions and then say they have no responsibility if something goes wrong ( once in 20 years! ) is ridiculous. I've made good on the payment and want my {$39.00} refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On or XXXX XXXX I paid my entire loan off to {$0.00} balance but it has not been updated to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: AZ

Complaint narrative:
In XX/XX/XXXX, I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries - XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXThe address needs to be removed XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX & the following accounts- XXXX XXXX XXXX Balance XXXX : {$870.00} XXXX XXXX Balance Owed : XXXX XXXXXXXXPlease block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this 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 non-monetary relief
Consumer complaint received 2022-03-22 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: AZ

Complaint narrative:
In XX/XX/XXXX, I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries - XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX address needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & the following accounts- XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : XXXX  XXXXPlease block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Multiple letters have been sent out to Experian Credit Bureau. 
Both entities have failed to respond and provide validating information in regards to the collections that are being incorrectly reported as well as inaccurate. I have already clarified my intent to pursue both this complaint and legal action towards the following accounts which were brought to the bureau 's attention : Experian Credit Bureau XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX

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