vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 2022-02-18 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 2022-02-18 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:
Didnt resolve my complaint about addresses on my personal information had no concern at all

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 2022-02-18 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I filed a charge back claim due to the company I paid not fulfilling the contract and did not show up to complete the job they were paid to do. I did not receive the money back for the work I paid them to do that they did not complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 1692K.

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 2022-02-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 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 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
I paid off the mortgage (XXXX) on XXXX  and it was transferred to a new servicer (XXXX XXXX XXXX XXXX, loan # XXXX) on XXXX. The paid off fund still not being forwarded to the new servicer as of today (XXXX  so the new servicer refused to close the loan even though I paid it off to the previous servicer (XXXX XXXX XXXX) and sending a "event of default" letters.
I filed a complaint # XXXX to XXXX XXXX XXXX, and their response today is it is Better who has to forward the fund, since XXXX XXXX XXXX already forwarded the pay off fund to Better on XXXX. Please refer the following response for XXXX. 

Better Mortgage originated the loan on XXXX XXXX XXXX. The loan transferred to XXXX  for interim servicing on XXXX XXXX XXXX, with the loan scheduled to transfer to XXXX XXXX XXXX Inc. (XXXX) on XXXX XXXX XXXX. On XXXX XXXX XXXX, the Borrower paid the loan in full. XXXX  subsequently completed the release of lien on the loan and has previously provided the Borrower with a copy. The loan transferred to XXXX on XXXX XXXX XXXX as scheduled, with a zero balance, due to the payoff. Because the loan is owned by Better Mortgage and was serviced for an interim period by XXXX, XXXX remitted the payoff funds to Better, for Better to then forward the funds to the new servicer. XXXX sent the payoff funds as part of a bulk wire transfer to Better on XXXX XXXX XXXX, using Fed Reference XXXX. Any additional questions regarding receipt of the funds from Better must be addressed by the new servicer, XXXX, rather than XXXX, as XXXX no longer services this loan and has forwarded all funds and information appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from any of the listed account ( s ). Block and Remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from the listed account ( s ). 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 non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from the listed account ( s ). 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 non-monetary relief
Consumer complaint received 2022-02-18 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: GA

Complaint narrative:
I have disputed the following accounts from my credit report with Experian, XXXX, and XXXX, which is in the police report that is attached to this complaint, but they have re-inserted back on my credit report without notifying me within the 5 days reinsertion rule, which the credit bureau violated the fair credit reporting act and is in violation. Also, this is a fraudulent account and I have a police report to block this information. My next thing is filing a lawsuit and retaining and filing a complaint with the Attorney General and the Consumer Protection Bureau. Please correct this immediately. A police report is attached to this complaint with the fraudulent items listed.

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 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: UT

Complaint narrative:
The company never sent notification to dispute debt and has been unable to verify debt. This is in violation of the Fair Credit Reporting Act and has caused substantial damage as a result of the illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am re-opening/resubmitting my recent complaint on this issue as it remains unresolved and has actually gotten worse due to Citibank Shell MasterCard company's actions.

My original complaint read:
I disputed two charges on my Shell Mastercard with this company in XXXX 2021. One charge was for XXXX and the other for XXXX. The one for XXXX  was supposedly resolved in my favor per the letter I was sent by CITI. However, its still showing up in my balance on the account. T

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 2022-02-18 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I XXXX XXXX have a collection from nca collections agency. 

I do not owe this company any money. They bought a old debt that does not belong to me. 

I already requested nca to remove off my credit report. Which it was remove from XXXX  and XXXX. But XXXX has not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Been a constant this has been a constant problem since the beginning of XXXX but started near the third quarter of XX/XX/XXXX. Someone made a fraudulent transaction through vendor using my bank account number which I immediately reported to citizens Bank. They were supposed only place a temporary block on vendor XXXX transactions but that was supposed to be at. Since I use vendor frequently, I called to clarify that I don't want it permanently blocked and I requested that they remove the block. That was actually done. Since I am a XXXX veteran, I get paid by the VA on the first of every month. I usually pay all my bills on the first of the month or shortly after. When I paid all my bills on XX/XX/XXXX, everything seemed fine. I've always only had one checking account since XXXX. Then I started to get return payments from every financial institution idea within every company that I pay a bill to. The specifically regards transactions or bill payments made using my ACH number. Every company of course blacklisted my bank account ending in XXXX. XXXX Bank was or the computer system was telling all of these different institutions that my checking account was a nontransaction loan account. That wouldn't make any sense since I have all me always paid all these bills with XXXX checking account ending in XXXX. I called and I explained that logic to all these different financial institutions and all of them eventually re-enabled the checking account ending in XXXX. I actually received a letter from the chairman of XXXX Bank and also a head bank branch manager explaining that it was a fault of an employee on their end. I have a BJ 's credit card administered by commenity bank. They were the only institution that required me to jump through hoops and get all these bank letterhead statements to reenable that account. I have submitted both letters five times and the account ending in XXXX is still blocked. I've spent over XXXX hours dealing with their bank customer service between chat, secure messaging, and phone support. I have fulfilled each and every obligation I had to this bank and jumped through every hoop. Their banking system is utterly incompetent as are there customer service representatives. I have letters from them stating that I will not be charged, reported as delinquent, or have to make payments until all of this is fixed. At least twice a month, I have to both call this bank and talk to them on secure messaging. They are breaking every obligation they have to me and this is gone on for far too long. I need help because they are way out of line. I have all these dates and records to reflect what I'm saying is true. I have no way to attach it to this report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have sent letters to the credit bureaus in regards to inaccurate and false accounts and inquiries that was and is being reported to my credit report. I am being taken advantage of and ignored. The consumer laws says that failure to investigate these items within XXXX days, gives a reason to immediately remove those items from my credit report. It has been over XXXX days. The accounts being disputed should be deleted now. I demand the accounts be deleted immediately or i will file for litigation due to the stress these fraudulant items have caused me with no help from the credit bureaus. My personal information was impacted by the equifax and XXXX XXXX XXXXXXXX data breach as well as my personal information stolen from my personal possession in XXXX. 

These accounts are adversly affecting my credit report and hindering me from maintaining an accurate report and from obtaining credit. I have filed complaints with the XXXX XXXX XXXX and XXXX XXXX XXXX  due to these fraudulent accounts becaus I have no knowledge of the accounts. I refuse to keep sending in letter to be told that I am not my self even though I am sending in my License, social security card and a utility bill providing sufficient identity verification AND I have called numerous times in regards to not receiving update to the letters sent! I will not wait another XXXX days to hope a response/update will come.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have sent letters to the credit bureaus in regards to inaccurate and false accounts and inquiries that was and is being reported to my credit report. I am being taken advantage of and ignored. The consumer laws says that failure to investigate these items within 30 days, gives a reason to immediately remove those items from my credit report. It has been over 60 days. The accounts being disputed should be deleted now. I demand the accounts be deleted immediately or i will file for litigation due to the stress these fraudulant items have caused me with no help from the credit bureaus. My personal information was impacted by the XXXX and bXXXX  XXXX XXXX data breach as well as my personal information stolen from my personal possession in XXXX. 

These accounts are adversly affecting my credit report and hindering me from maintaining an accurate report and from obtaining credit. I have filed complaints with the Federal Trade commission and XXXX XXXX XXXX due to these fraudulent accounts becaus I have no knowledge of the accounts. I refuse to keep sending in letter to be told that I am not my self even though I am sending in my License, social security card and a utility bill providing sufficient identity verification AND I have called numerous times in regards to not receiving update to the letters sent! I will not wait another 30-90 days to hope a response/update will come.

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 2022-02-18 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: GA

Complaint narrative:
Ive been disputing information that has been reporting in correct on my credit report. Name, address, repos, numbers of inquiries, jobs. Ive even mentioned the letters that XXXX XXXX gotten in the mail in regards to there in a security breach and that my personal information had been exposed and possible used. Almost three years and no one has not done anything but update the account the wrong way with false 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
Consumer complaint received 2022-02-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm having issues with Experian, XXXX, XXXX they pretend to investigate your case on your behalf & do nothing! I sent out a letter to the company on XX/XX/2022 to inform them to correct my account & later they pretend to verify the account which they did not with this student loan company. I called the Dept Of XXXX XXXX they did not have any information on my account because they so-called transferred the account to Aidsurgent which I called also & no information is coming up in their system for me meaning there's no proof that I have this account I also sent the company a letter to validate my account with the original document & Dept Of XXXX XXXX ignore me, Experian keeps on dropping my score for no reason it has not even been 30 days like they claim. Experian pretends to investigate & doesn't do anything. I have things that are on my credit report the statute of limitation expired on this account they leave it there!! also, I pay all my credit cards down but somehow they still show I have a large balance which is incorrect!! They also pretend they can not process your information because they can not identify who you are when you sent in your picture ID, SS card #, address, they do this to delay the process of processing your claim or investigating the claim they want to keep you at a low credit score, I have documentation I sent the companies paperwork & paid certified mail.

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