vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 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: NV

Complaint narrative:
I do have any contracts with this company. The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
I have also sent letters to Experian over 30 days ago and have not received a reply or response. 
I have spoke to an agent and I was told that these items would be removed from my consumer report immediately and they still remain on my consumer report. This company has violated my right to privacy and multiple other violations. 

I am protected by the ( FCRA ) Fair Credit Reporting Act ( Right to Privacy as a consumer ) 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave this company any written consent to report or furnish anything to my consumer report. 

15 USC 1692- I am the consumer and the original creditor I am not obligated to pay any debt, I do not owe any debt 15 USC 1681 ( a ) ( e ) - States that you have to interview my family, my neighbors, or any of my associates to verify any account on my consumer report which this company did not do 15 USC 1681e ( b ) - You shall follow reasonable procedures to assure maximum possible accuracy of the information on my report. 

They have not complied which is another violation of 15 USC 1681n ( a ) ( 1 ) ( a ) which makes them liable in the sum of up to {$1000.00} for each damage you are causing in my life pertaining to my consumer report Any person or company gaining or gathering information from a consumer pertains their consumer report is doing fraudulent business and can get prison time and anyone involve with another company other than the consumer Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

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 2021-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
This is a charge from XXXX XXXX XXXX XXXX XXXX for my/my sons stay during XX/XX/XXXX when he was born. I had full insurance through XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX insurance through XXXX XXXX and XXXX. I have contacted the XXXX XXXX XXXX XXXX  XXXX 3 times PER YEAR SINCE XXXX to get this charge dealt with. Every time I contacted them from XXXX I was told that the hospital needed to resubmit the charge to my insurance, when I contacted both Insurance companies I was told that the hospital never did that, but that if they had the amount would be paid in full. Since XXXX when I reach out to the hospital I get ZERO response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
This company is in violation for the false, deceptive, and misleading representation of the character, amount, and legal status of this alleged debt. The negotiable instrument that I originally signed served as a consumer credit contract and was used as a promissory note to pay this alleged debt according to 16 CFR Part 433. I am legally entitled to assert my rights as debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
My son was very XXXX  and he was flown to a hospital in California for a XXXX XXXX I called XXXX XXXX and asked them to turn off service because no one was in the home for 8months this was never done the bill got to {$220.00} dollars I contested it with XXXX  and got no where. While my son was in the hospital and we were in a different state they sent it to collections. I was told by the collection service ( CCS ) credit collection service that if I paid the bill they would remove it from my credit. I borrowed the money paid the bill it has not been removed. I called them back and asked why it hadnt been removed and when would it be removed. I was told by a different person that ( CCS ) credit collection service would not remove it now that the debt was paid. I could have just left the debt on my credit because it would have damaged my credit if I left it on there or if I paid. When I called XXXX I was told they could not find a record of me calling because the bill was old and the records were not kept ( Ccs ) would call me early in the morning all day while sitting in hospital I was trying to care for son who was slowly XXXX waiting for a XXXX he was in XXXX XXXX, XXXX XXXX, XXXX XXXX, I felt pressure to pay the bill are risk my credit being ruined so I paid it before I receiving a letter conforming that this would be removed now they wont remove it.Not to mention it showed on my credit report that it is cable/cell phone account it is not it just for internet.I am also filing a complaint with the XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company is in violation for the false, deceptive, and misleading representation of the character, amount, and legal status of this alleged debt. The negotiable instrument that I originally signed served as a consumer credit contract and was used as a promissory note to pay this alleged debt according to 16 CFR Part 433. I am legally entitled to assert my rights as debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I created a dispute with Capital One with a Moving Company in regards to them never showing up to pick up my items. I also explained which they can pull up the recorded call that the merchant cursed at me call me a piece of XXXX and that Im not going to do anything about it since they didnt show up to pick up my items. I was moving from XXXX to XXXX and this moving company failed to show up on the date and time agreed. I called Capital One to dispute this and they stated the merchant provided proof that I cancelled when I asked for this proof the only thing they showed me was the agreed date and time they were supposed to come with the total cost. When I asked for proof of cancelling with the merchant the company could not provide it and kept sending the same document. I had to last minute find another moving company paid {$1500.00} more to move my items to another state gave the invoice proof to Capital One and they still declined my dispute and allowed the company to get away with fraud on taking my money and never showing up. The company also charged my card manually without my permission over the phone when I was told this would be a hold until the delivery team arrived. I want my money back and my account back in good standing this is unacceptable to allow a company to get away with not providing services paid for. Attached youll find the invoice of the new company I had to use last minute to move my items. Why would I cancel the old movers I had to pay {$1500.00} more with a new company that doesnt make sense at all the only reason I did it was because I had to move and I would have lost my job if I didnt make it to XXXX on the date agreed with from my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Netspend Corporation
State: LA

Complaint narrative:
I have had a XXXX  account since XX/XX/2019. I don't use the account much. I have had my purse and phone w I'd and cards stolen 2 times this year I have not had but a small amount of $ deposited into this account I finally was able to download some of the statements. They do not coincide w my memories and records.i also have a PayPal account that I haven't used in ove s year they are holding my $ for 180 then said they would email me with instructions on how to get it back. I haven't recieved any unemployment stimulus or aid. Please help.

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 2021-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX 3 my social number is XXXX and my year of birth is XXXX my address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX phone is XXXX XXXX and im on a trail modification payment. My loan number is XXXX my complaint is that selene finance has not pay my HOA Dues my previous lender XXXX XXXX XXXX XXXX escrow those in my mortgage along with my taxes and property insurance for the inside of the condo before my loan was transferred to selene finance my HoA was current the HOA company they pay is XXXX XXXX XXXX their address is XXXX XXXX XXXX XXXX XXXX ny XXXX. Those are my condo fees that are paid monthly. Since my loan transfer from community loan servicing llc to selene finance. The problem here is that selene finance is not making any payments to the other parties these items I mentioned are escrow in my mortgage like my property taxes are. I'm hoping they are paying my property taxes too. The most important thing is that they did send out a payment for the HOA fees my normal payment is XXXX a month also I'm past due they sent me a bill for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 2021-12-23 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: TX

Complaint narrative:
XXXX XXXX, 2021 I sent my initial request to investigate accounts and personal information reported on my credit. I also have sent a follow up letter on XXXX XXXX 2021 and again yesterday. I still have no response and or updates on any of the accounts being disputed. Please help me get these companies to report ONLY accurate and verified information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. RUSHMORE LMS is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( RUSHMORE LMS XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: PNC Bank N.A.
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. BBVA USA account is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( BBVA USA XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. CITADELSVC is reporting late, yet it is closed and the balance is zero as reported in XXXX. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( CITADELSVC XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 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: SC

Complaint narrative:
i tried reaching out to this bureau several times about accounts that are reporting on my credit that are not mines. this info is fraud and i ant it investigated and removed from my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: SC

Complaint narrative:
i tried reaching out to this bureau several times about accounts that are reporting on my credit that are not mines. this info is fraud and i ant it investigated and removed 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 2021-12-23 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: SC

Complaint narrative:
i tried reaching out to this bureau several times about accounts that are reporting on my credit that are not mines. this info is fraud and i ant it investigated and removed 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 2021-12-23 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: TX

Complaint narrative:
XX/XX/2021 I sent my initial request to investigate accounts and personal information reported on my credit. I also have sent a follow up letter on XX/XX/2021 and again yesterday. I still have no response and or updates on any of the accounts being disputed. Please help me get these companies to report ONLY accurate and verified information on 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 2021-12-23 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: TX

Complaint narrative:
XX/XX/2021 I sent my initial request to investigate accounts and personal information reported on my credit. I also have sent a follow up letter on XX/XX/2021 and again yesterday. I still have no response and or updates on any of the accounts being disputed. Please help me get these companies to report ONLY accurate and verified information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 2021-12-23 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I have attached documentation from the US Government Bankruptcy reporting system ( XXXX  ) to support my request for removal. The law states that credit reporting companies may not report a bankruptcy case on a person 's credit report after XXXX years from the date the bankruptcy case is filed or discharged. See 15 U.S.C. 1681c The date listed on the court document states initial filing date of XX/XX/2011 case # XXXX I have requested this to be removed, providing all documentation 3 separate occasions and they still have not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: OH

Complaint narrative:
I used the company " wise '' ( previously transferwise ) to get funds from my partner in the XXXX ... after i had these funds for about 2 days wise shut my account down and ive been trying to get my account reinstated and money returned to me for over 14 days. 

the amount is about XXXX USD / XXXX GBP on XX/XX/2021, XXXX AM i was notified of my funds being paused and account closure. 

their team is SO slow i no longer have the patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: Fay Servicing, LLC
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. FAY SERVICING LLC is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( FAY SERVICING LLC XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. CAPITAL ONE BANK USA N is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( CAPITAL ONE BANK USA N XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on COMENITYBANK/JCREW ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. ( XXXX XXXX )

Company response to consumer: Closed with explanation