vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Company sent my account to collections affecting my credit worthiness negatively. This account was being payed in monthly installments already. The balance showing in this statement is also a higher amount than what was owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2022-02-21 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-02-21 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: ID Analytics, Inc.
State: NY

Complaint narrative:
This company is reporting fraud inquiries victim of id theft they refuse to investigate and send me my report by mail And delete this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Their reporting fraud bank inquires

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 2022-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did apply for a Morgage forbearance do to a delicate Health condition of my wife than they do explain to me over the phone that the amount own will be place at the end of the morgage adding another 6 month.

They never told me that I have to pay it at the end of the 6 month in full.

For my surprise they do call me at the mid fifth month telling me that if I do not pay immediately they will place my home in Foreclosure so I went ahead and make the full payment but they adding me a late payments for 6 consecutive month for more than 120 days destroying my credit report and I didnt give autorizacin to any company to share my personal information.

In accordance with the FCRA THIS ACCOUNT HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A State I have the right to privacy.

15 U.S.C 1681 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 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:
( 1 ) Experian credit report is showing that I applied to XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/2021 I did not. Experian did not investigate this hard inquiry. Experian did not show any evidence that I authroized such inquiry. 

( 2 ) XXXX XXXX XXXXXXXX, Experian and XXXX are not reporting my correct address XXXX XXXX XXXX  XXXX XXXX, CA XXXX Experian and XXXX are infact harassing me on the new address ( 3 ) XXXX  XXXX XXXX is not reporting correct credit card balances

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 2022-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I performed threefinancial transactions using an application provided by PNC Bank usingmy checking account ending with x XXXX. Thethreetransactions totalling to {$2400.00} are : {$100.00} dated XX/XX/XXXX {$1200.00} dated XX/XX/XXXX {$1100.00} dated XX/XX/XXXX 2. These payments weretowards rent ( {$1100.00} from From XXXX XXXX to XXXX XXXX, XXXX ) and security deposit ( {$1300.00} ) for renting of property # XXXX, XXXX XXXX XXXX, XXXX, HI XXXX. 3. It turned out that thereceipient did not send the key for theapartment as promised in theemailand contract ( XXXX is theemail used for bank payment and emailcorrespondence was with XXXX XXXX and cell phone : XXXX ). 
4. The transaction did not reach aclosureand it turned out to beafraudulent transaction. 5. XXXX County Policecasereference number:XXXX. FTC Report number:XXXX IC3 FBI Complaint filed on XX/XX/XXXX. 
6. PNC Bank denied my dispute request to flag thetransactions as fraudulent but the PNC Bank denied my requests.

7. I earnestly request you to impress on the bank to reversethetransactions and credit my account with thesethreetransactions foratotal of {$2400.00}.

8. Submitted please. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: NY

Complaint narrative:
I am writing again in regards with the accounts listed below to inform you that I am the one disputing this. I believe I made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
Experian has been not complying with Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: NY

Complaint narrative:
I am writing again in regards with the accounts listed below to inform you that I am the one disputing this. I believe I made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
EQUIFAX has been not complying with Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: NY

Complaint narrative:
I am writing again in regards with the accounts listed below to inform you that I am the one disputing this. I believe I made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. TRANSUNION has been not complying with Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 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: NY

Complaint narrative:
I am writing again in regards with the accounts listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I paid it on time. EXPERIAN Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 


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 explanation
Consumer complaint received 2022-02-21 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: NY

Complaint narrative:
I am writing again in regards with the accounts listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I paid it on time. EQUIFAX Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: NY

Complaint narrative:
I am writing again in regards with the accounts listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I paid it on time. TRANSUNION Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 


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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian, XXXX and XXXX are all reporting Two Bankruptcies that are not mine, and never happened. I had a XXXX  XXXX Bankruptcy which filed on XX/XX/XXXX. This Bankruptcy provided relief I was seeking. Yet, the XXXX bureaus are reflecting additional XXXX XXXX Bankruptcy filings on XX/XX/XXXX and XX/XX/XXXX. Neither of these are mine and I need them removed from these reporting agencies 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 2022-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The creditor has been reporting fraudulent accounts on my credit report ( multiple accounts ) today they started reported missed payments on these accounts they have failed to provide validation of debt

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 2022-02-21 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:
( 1 ) XXXX credit report is showing that I applied to XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/2021 I did not. XXXX did not investigate this hard inquiry. XXXX did not show any evidence that I authroized such inquiry. 

( 2 ) XXXX XXXX XXXX, XXXX and TransUnion are not reporting my correct address XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX and TransUnion are infact harassing me on the new address ( 3 ) XXXX  XXXX XXXX is not reporting correct credit card balances

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 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I was late making a payment for the yearly membership fee of {$29.00}. This incident was reported to consumer credit agencies by Barclays Bank. I missed the late because I was in the hospital from XXXX XXXX through XX/XX/XXXX due to XXXX. When I got Out of the hospital, I realized the outstanding fee. I paid the XXXX immediately on XXXX and set up my auto-pay service so a mistake like this would never happen again. The annual membership fee was accessed to my account on XXXX and showed on my XXXX statement. 


I have had a stellar relationship with Barclays for over a decade and never missed a payment. However, by Barclays Bank reporting this incident to the credit agencies, Barclays put a blemish on my credit report that caused my score to plummet over XXXX points. My situation was out of my control. 

I contacted Barclays several times to explain the situation with no success.

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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX, TransUnion and XXXX are all reporting XXXX XXXX  that are not mine, and never happened. I had a XXXX XXXX XXXX which filed on XX/XX/XXXX. This XXXX provided relief I was seeking. Yet, the 3 bureaus are reflecting additional XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Neither of these are mine and I need them removed from these reporting agencies 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 non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX, XXXX and Equifax are all reporting XXXX XXXX that are not mine, and never happened. I had a XXXX XXXX XXXX which filed on XX/XX/XXXX. XXXX XXXX provided relief I was seeking. Yet, the 3 bureaus are reflecting additional XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Neither of these are mine and I need them removed from these reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I attempted to contact the company in XXXX with no resolution. I sent identity theft reports to all XXXX credit bureaus. Police report remains on file with the XXXX XXXX XXXX XXXX. 
I have attempted to over & over to resolve this account which does not belong to me! I am the victim of identity theft & this account with ACIMA CREDIT need to be removed from my credit file immediately.

Company response to consumer: Closed with explanation