vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: TX

Complaint narrative:
I have sent multiple request asking that incorrect addresses and spellings of my name be removed from my credit reports. The Credit angencies have contiuned to ignore my request. 

the correct information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment : NONE There should be no other listing of misspelled names remaining. I have found 11 differnet spellings and 8 wrong addresses on my report. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP
State: MS

Complaint narrative:
XXXX XXXX XXXX  did not comply with the 30 day dispute nor any requests I had made, and then filed a lawsuit against me in order to collect a debt that was paid through a debt consolidation company I was using. A dispute letter was sent via certified mail to XXXX XXXX XXXX XXXX as well as to XXXX XXXX XXXX which represent XXXX XXXX XXXX which was signed for XXXX. I received a motion for XXXX XXXX dated XXXX. I received a packet of papers for my written dispute which was postmarked for XXXX. I also have an attorney representing and she reached out to XXXX XXXX at least 3 times via email and no response to anything that was sent. The last court date I attended another attorney was in attendance not XXXX XXXX. The case was dismissed without prejudice. I had all documents from my debt consolidation as well as my attorney and this left the case open for them to pursue me further. I tried contacting Rausch Strum LLP for clarification on this matter and no one ever contacted me.

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 2023-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: OK

Complaint narrative:
In XXXX, I mailed a letter to validate XXXX collection accounts that are being reported to the credit bureaus. The accounts were opened with Professional Finance Company ( PFC USA ). Account XXXX showing a balance of XXXX and opened : XX/XX/21. Account XXXX is showing a balance XXXX} and was opened XX/XX/21. XXXX XXXX failed to respond to my validation letter. The uploaded attachment is the letter that was mailed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: TX

Complaint narrative:
This account my Equifax report for XXXX XXXXXXXX XXXX was deleted from my report XXXX of 2021. Equifax has now reinserted this previously deleted account onto my reports and I was never notified of this. All consumers have a right to be notified of any reinserted accounts with a five day notice which I never received and this is in violation of my rights as a consumer. I demand that this account is deleted from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: LEXISNEXIS
State: AL

Complaint narrative:
Notice to Intent to Lexis Nexis, While viewing my consumer report and according to your previous respond, you obtained my NPI NON-Public Personal Information From XXXX a court database, you shared, disclosed, and SOLD my Non-Public Personal Information Attached to the Bankruptcy on my Consumer Report to the Consumer reporting agencies. As a reseller according to your previous respond, Congress, and FTC, my NPI ( Non-public personal information ) Personal identifiers which is Name, SSN, DOB should only be shared with my permission. Therefore, I have a right to privacy. Again, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY AND FURNISHED TO THE CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. During this process AND TRANSACTION, I was an uninformed consumer and FCRA laws were violated. That fact my privacy has been violated and this account being furnished, it is affecting my livelihood and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: TX

Complaint narrative:
there is an alleged medical collection on my report that is less than {$500.00}. under your company anything less than {$500.00} can not be reported.

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 2023-01-23 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:
In XX/XX/XXXX citing the XXXX XXXX XXXX XXXX XXXX from credit companies we agreed with a XXXX  XXXX  to cancel a card that had not been used in over 6 years. We continued with XXXX card we have used continuously since XXXX. We had also paid off our mortgage. During the rash of data base hackings including the credit reporting agencies and banks, we froze our account accesses with Experian, XXXX and XXXX. Thanks to XXXX XXXX has saved us tremendous grief. Experian immediately sent emails that we could boost our XXXX XXXX for {$29.00} in continuing payments. To reinforce the attempt at extortion, they lowered our XXXX XXXX to XXXX in XXXX of XXXX, citing a lack of credit information. This came from a company that had tracked our credit for XXXX years. When I complained, they simply said they had no information available. We complained to our bank and found that they used the false score on our rating for eligibility for other services. We contacted our insurance company. After a financial review, they agreed to charge rates commensurate with our good credit history. Based on our rejection of emails, texts and a phone call, Experian then lowered our score to XXXX. But they promise to restore our XXXX XXXX with the release of the credit card info from the XXXX XXXX we have used since XXXX and the monthly premium they need! 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 2023-01-23 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
My card and phone had got stolen and the bill was only supposed to be XXXX $ and instead they are trying to charge me for transactions I did not even make. I have explained it to them already. Please refer to 15 USC 1681a ( 2 ) ( a ) ( i ) if you need any more information on this topic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: MicroBilt / PRBC (formerly CL Verify)
State: TX

Complaint narrative:
Propagating false information that connects with my name. Improper usage and Improper authorization of my name that is tied to the accounts that needs removal of any false information tied to my name. And any incorrect address that's not my current address needs to be removed or any depth or accounts that tied to that incorrect address needs removal.

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 2023-01-23 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: WI

Complaint narrative:
i contacted transunion as well as creditors to try and get down to the removal of the inquiries involving a removal letter but no one i contacted helped me reach a solution. all companies were contacted on XX/XX/XXXX. after several unsuccessful attempts the inquiries remain on my credit file. 


unauthorized inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/2022 I wrote a check to renew a subscription for XXXX XXXX in the amount of {$42.00}. I did not find out until XX/XX/2022 that the check was " washed '' for {$9400.00} when I received my statement. The bank informed me that my account was over drawn. I went to the bank and talked to, XXXX XXXX and XXXX. 

They closed my old account and set up new account and told me it would take 120 days to investigate. They have not put anything in writing. They did close my checking account and open up a new account and gave me starter checks but I had to buy new checks because my bank account was over drawn and closed. They did not help in any way, shape, manner or form in resetting auto pays for my healthcare. 

Meanwhile I have had checks bounce because of the bank 's error and not keeping me informed of my account of what is being deposited into new or old account. My social security has not yet been transferred to new account for auto deposit. 

My XXXX XXXX is spiraling and I have never had a bad XXXX XXXX. 

The bank has said they are investigating but they have not given me any updates other than the case is still under investigation. The bank has not given me a written statement that it will take 120 days before I can get XXXX money back that was stolen or fraudulently taken by this check washing. The check of {$9400.00} was rewritten to : XXXX XXXX and cashed at a XXXX  XXXX XXXX. They showed me the check that was changed from {$42.00}. When I ask them when will I get my money back they tell me they do not know and I will know before they do? Meanwhile I have deposited {$7000.00} plus more money into my new checking account and replaced a few checks that were returned to the bank because the account was over drawn. 

I need to know when this money will be refunded. PNC Bank should not be holding my money XXXX due to their incompetence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 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: NY

Complaint narrative:
Consumer reporting agencies reporting late payments when in fact I was never late on account, Ive never received a letter 21 days prior from due date saying I owe such on such date, Account XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX  XXXX XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. Also Ive never authorized/ sent written consent for late payments to be reporting in my account which is an invasion on my privacy and defamation. How can consumer reporting agencies report something I never authorized and something that is inaccurate. This is defamation they are trying to ruin my reputation with other companies which can damage me emotionally and financially. If I decide to apply for something and companies see I have late payments this will be a major red flag for them to want to approve me for anything, I will be denied for something that is inaccurate and without my consent which is against the law.

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 2023-01-23 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these inquiries, and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN. 
I am disputing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If your investigation reveals the inquiry is valid, I request that you provide me with your method of verification as well as the contact information of the source of this verification. 
I am allowing you 30 days to complete this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Old date and old address keep on popping up 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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I spoke with the credit agencies XXXX, Transunion and XXXX they are giving me a hard time about removing the bankruptcy and other credit related issues. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

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 2023-01-23 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: TX

Complaint narrative:
i have never seen this account and dont know what it is

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 2023-01-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
i have never seen this account and dont know what it is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I Reached out to the creditor to have the fraudulent inquiries removed. I have never applied for any lines of credit or gave anyone authorization to obtain any lines of credit on my behalf. and they notified me that the information was sent over to the credit bureaus to be removed and its been well over XXXX  days and I have yet to receive and update for removal 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 explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a mortgage with Wells Fargo and I was foreclosed, not able to modify the mortgage to lower the payments.

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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
My mortgage from XX/XX/XXXX was returned at some point between XX/XX/XXXX and XX/XX/XXXX. 

I received a XXXX from mortgage ( XXXX ) company stating the XX/XX/XXXX was returned on XX/XX/XXXX due to insufficient funds Originator tracer number XXXXXXXX XXXX XXXX. The XX/XX/XXXX payment was rejected due to insufficient funds. 

This return was never noted or credited to my account by Fiserv, XXXX XXXXXXXX XXXX XXXX XXXX Multiple claims were made with Fiserv to trace this money. I have yet to hear a result directly from Fiserv. Fiserve has claimed they recieved an amount of {$1400.00} at around this time but did not credit it to my account to show that. This is a human error that needs to be resolved. 

XXXX XXXX XXXXepartment sent XXXX letters in XXXX recognizing all transactions and returned the {$1400.00} directly to my account via direct deposit. So now missing mone. found i paid mortgage the right amount! 

XX/XX/XXXX. Fiserv started claiming I owe $ {$1400.00}. I have requested written communication mailed to my house about this so i can take it to XXXX  and XXXX but have not recieved anything in mail. Someone claims to have spoken to me and sent out documentation but i dont know how and where it was sent. It wasnt to me. 

The {$1400.00} that i owe them was recieved by Fiserv on XXXX and not credited to my account. They admitted receiving.

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 2023-01-23 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: NC

Complaint narrative:
To Whom it may concern i am writing because something about a collection was noticed by me after checking my consumer report recently. i never received any notice in the mail or by email of this account nor any phone calls to my understanding. this account just appeared and thats how i found out about it so i am asking for assistance in this matter i have also mailed letters to Experian, XXXX, and XXXX because people are putting inquiries and accounts on my profile without permission. 
Please Assist me in this matter

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 2023-01-23 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: TX

Complaint narrative:
there is an alleged medical collection on my report that is less than {$500.00}. under your company anything less than {$500.00} can not be reported.

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 2023-01-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
there is an alleged medical collection on my report that is less than {$500.00}. under your company anything less than {$500.00} can not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: CO

Complaint narrative:
I have been sent to a collections agency ( Frontline Asset Strategies ) for a XXXX bill of {$3600.00}. Frontline let me know that apparently there was an account opened in my name in XX/XX/2022. I have never been a XXXX customer. I've been a XXXX customer for over 10 years and I am on my father 's plan. I have never inquired about being a XXXX  customer, either. The account is now impacting my credit score. I've submitted 2 disputes with XXXX  regarding this issue and have not heard back from them. I've also submitted a police report with the XXXX Police Department. They informed me that no investigation will take place on their end. I would like this account removed from my name, as it's causing issues with my credit.

Company response to consumer: Closed with explanation