vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-09 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: TN

Complaint narrative:
I've requested assistance with all three bureaus XXXX, Equifax, and XXXX XXXX XXXX XXXX XXXX ( CRA ) and their subsidiaries as well as XXXX. I reached out numerous times in XXXX and 3 times this year, each time my credit score continues to decrease. I sent letters and called, which is a daunting task to say the least. My credit score went from XXXX to XXXX in XXXX and continues to fluctuate substantially. The CRA continues to report late payments when student loans are deferred or in forbearance. The voluntary dismissed bankruptcy is in error as well. I never had a Self account, a few other accounts are also invalid. I have requested to dispute old and erroneous addresses and personal information. I don't use alias names and these items are also incorrect. 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: TN

Complaint narrative:
I've requested assistance with all three bureaus Experian, XXXX, and XXXX XXXX credit reporting agencies ( CRA ) and their subsidiaries as well as XXXX. I reached out numerous times in XXXX and 3 times this year, each time my credit score continues to decrease. I sent letters and called, which is a daunting task to say the least. My credit score went from XXXX to XXXX in XXXX and continues to fluctuate substantially. The CRA continues to report late payments when XXXX loans are deferred or in forbearance. The voluntary dismissed bankruptcy is in error as well. I never had a XXXX  account, a few other accounts are also invalid. I have requested to dispute old and erroneous addresses and personal information. I don't use alias names and these items are also incorrect. 
Please advise

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 2023-04-09 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: CA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: CA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-04-09 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: Kentucky Higher Education Assistance Authority
State: TN

Complaint narrative:
I've requested assistance with all three bureaus XXXX, XXXX, and XXXX XXXX credit reporting agencies ( CRA ) and their subsidiaries as well as KHESLC. I reached out numerous times in XXXX and 3 times this year, each time my credit score continues to decrease. I sent letters and called, which is a daunting task to say the least. My credit score went from XXXX to XXXX in XXXX and continues to fluctuate substantially. The CRA continues to report late payments when student loans are deferred or in forbearance. The voluntary dismissed bankruptcy is in error as well. I never had a XXXX  account, a few other accounts are also invalid. I have requested to dispute old and erroneous addresses and personal information. I don't use alias names and these items are also incorrect. 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: CA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-04-09 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: NY

Complaint narrative:
TRANSUNION has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) TRANSUNION failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q

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 2023-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TN

Complaint narrative:
This is going to be very simple for ProCollect to understand. First, their client who created an illegal debt called criminal fraud based on lies then transmitted it across wire to ProCollect in TX. In XXXX of 2022, ProCollect then used the mail " mail fraud '' to send an extortion attempt to collect a fraudulent debt. 

Their client knows what they have done is wrong and will be facing severe penalties and charges under DOJ. Now, since ProCollect has involved themselves in this illegal activity, they will be added as a third party attachment where they will be responsible for not only civil damages but also criminal. 

To clarify this, ProCollect, their client ( XXXX ) has used their organization, " enterprise '' to create fraudulent debt and then to extort people over that fraud. Now, ProCollect had been warned about this. Under the RICO ACT they will be wrapped together in a nice little bundle. 

Every time we have tried to dispute this, ProCollect goes to their client who then continues to resubmit a fraudulent debt and ProCollect accepts it transmitting the debt through " wire '' Law enforcement has advised us that ProCollects failure to stop their activities after showing them we do not owe a debt and their refusal to accept the evidence, shows ProCollects continued attempt at illegal activities. 

ProCollect should wonder why their client has shut up and not said anything in several weeks. Very interesting, their client XXXX XXXX has not spoken a word. Do you know why? It has to do with losing her freedom. Just like you have the possibility of doing. 

ProCollect states they are not the ones with the debt. Well, their names are all over our credit with criminal fraud. It blatantly says " This is ProCollect trying to collect fraud and we will hold your credit XXXX until you do! '' Thats called extortion.

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 2023-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Good morning. My name is XXXX XXXX and I'm inquiring about being put into collection from you all. The reason I'm asking is because we were never supposed to be penalized for moving out due to it being a major leak and a roach infestation in our apartment. We lived in the exact same building that had the fire in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX. I have all the photos of when the apartment flooded as well as the photos of the roaches crawling around all the time. It was approved for us to move out in XXXX due to you all not having another apartment ready for us to move in and we couldn't stay in unhabitable apartment because of our XXXX XXXX old son. The flood was the last thing to happened. We had been complaining about the roaches from the time we moved in. You all had someone to come out and spray but that didn't help because it was an infestation in the building. Concerning the flooding, it was in the dining room, kitchen, living room, our baby nursery and the entry way. It caused the light domes to cave in and fall from the ceiling in our son room. We had to move out temporarily when it happened and we weren't compensated for any of that or any of our stuff that was damaged. When we came back there was mold/mildew which is when we made the decision to move out the apartment due to us getting the run around about moving into a different apartment. Also lastly I don't understand why if all of this happened in XXXX why you waited until XXXX after the fire to reach out to us when we have repeatedly tried to contact you before and after we moved out about any reimbursement?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On dispute are two charges dated XX/XX/XXXX : a ) {$1400.00} for a two-way flight from XXXX to XXXX by XXXX XXXX  XXXX b ) {$100.00} for flight insurance by XXXX XXXX. 
While tickets were issued, the airline cancelled the flight from XXXX and failed to inform me- I learned about the cancellation upon arrival to the airport. My ask from XXXX XXXX to be reimbursed for the services I had not received was bluntly denied. 

On XX/XX/XXXX I sent an email to the Disputes department of Citizens contesting the two charges mentioned above and enclose five supporting documents. 
On XX/XX/XXXX I received their response which sided with the XXXX XXXX. Reading their response, it was evident that Citizens had not read my original complaint carefully and was parroting the airline 's response. 

On XX/XX/XXXX I responded with a second letter to Citizens referring to all the flaws in their response. On XX/XX/XXXX I called Citizens customer service and we scheduled a call for the following day- nobody called. On XX/XX/XXXX I called Citizens again and they promised to call me the following Monday or Tuesday - nobody called. 

My experience so far with Citizens that they very ineffective. I wonder whether they have unwritten policy to favor large customers by driving ordinary folks like me to attrition.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Citizens Bank reported me to credit agencies for a {$2.00} interest payment on a fully satisfied HELOC loan. I've been told that I stopped my autopay and though can not prove it I do not agree after having reviewed my records as I do not have notification of such. Even if true, the bank no effort to reach out to me to avoid the reporting as I learned it through the diligence in my review my credit report. My scores prior to this were 830+! 

Further, I now have an issue with the dispute process with XXXX and XXXX as balances were reported incorrectly to them -and they accepted it. My available balance on this HELOC is now {$100000.00}, which is {$17.00} higher than the original loan. This is due to the fact that when I went to the bank to correct the account they took a payment {$17.00} over that which I truly owed them. In discussion with the Customer Service folks I spoke to about this, numerous of them, the response to both of their errors, failing to prevent a {$2.00} balance to negatively affect my score by 70+ points for up to 7 years and then overpaying themselves to satisfy the balance, was indifference at best. 

Based on my payment history, I feel Citizens was negligent in attempting to contact me in an effort to avoid this issue and as such this has disproportionately affected my credit standing in a negative way in which they are indifferent to while being indifferent to their own mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: IA

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2023-04-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently requested to get a credit increase with XXXX XXXX and they sent me a letter saying I was denied. Equifax Information Services reported my credit score being XXXX which is incorrect. at the time that I asked for the increase for XXXX  XXXX my credit score was and is now a XXXX with Equifax. This has caused me great injury and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: IA

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: IA

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2023-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC CONTINUES TO IGNORE THE FACT THAT THEY HAVE DONE WRONG IN MULTIPLE WAYS TO HELP ME SOLVE AND MAINTAIN MY ACCT.AND IGNORE ME AS WELL THE PEOPLE OF PNC HAVE WENT AS FAR AS TO CUT ME OFF OR TELL ME WHAT I WANT TO HEAR 100 % ASTO HANDLE MY DISPUTES WITH NO SENSE OF CARE ALSO DOWN TO ABSOLUTELY FROM SOME NOTHING AT ALL WHEN IN THEIR SO CALLED POLICYS TIME IS OF THE ESSENCE ALSO IGNORING ONE OF THEIR SUPPOSEDLY BENEFITS WITH THE ONLINE BANKING WAS WITH THE VIRTUAL WALLET NO FRAUD WHICH I FEEL WAS SHOVED DOWN MY THROAT NO OTHER OPTIONS GIVEN TO LET PEOPLE ROB ME BLIND WHILE THEY ALSO MAKE MONEY OFF MINE .IFEEL THAT XXXX DOLLARS TO BE TAKEN FROM THEM. NOT ME OVER A PERIOD OF TIME THAT IN NO WAY DO THEY REPRESENT ON MY BEHALF THE DEFINITION OF A BANK AS WELL TO A LOT IM SURE OF A LOT OF OTHER CONSUMERS IM SURE AND IN ANY WAY POSSIBLY PRACTICE THEIR MISSION STATEMENT TO ANY DEGREE THAT IS PRINTED

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XX/XX/XXXX, I placed 1 charge for {$67.00} on the card. I had not used the card in over 2 years but previously had Autopay setup. According to bofa customer service over the phone, Autopay was disabled automatically because it had not been used and no notice was ever sent to me. Since I did not know that, I assumed autopay would pay the balance at the end of the month and did not monitor it. The FIRST notice I ever recieved that there was an issue was in XXXX or XX/XX/XXXX. I immediately called bofa to see what was going on and shortly after paid the entire balance AND interest charges. 

Now bofa is reporting negative info to my credit reports stating that the account was past due in XXXX and XX/XX/XXXX. While that is technically accurate, it does not acknowledge bofa responsibility for causing that by disabling autopay and not contacting me about a late payment for over 3 months. The have my address, my email and my phone number. But rather than let me know, they prefer to just ruin my credit over {$70.00} that was their fault for not being paid in the first place.

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 2023-04-09 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax Credit Bureau failed to remove old address of : XXXX XXXX XXXX. XXXX, PA XXXX. This bureau was sent a letter via certified mail to delete this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Recently I received a document from Wells Fargo dated XX/XX/XXXX. On page two last paragraph Wells Fargo allowed an unauthorized 3rd party to speak on my behalf and make payment assistance options without me as the homeowner giving permission or signing consent which is a direct violation of my homeowner rights. Also in the same document Wells Fargo mentioned the reason they denied my modification was because they never received all of the necessary documents from loan lawyers. However on another email sent to me by XXXX XXXX  which are their attorneys mentions that the reason I was denied modification is because my loan is 3+ years delinquent with a credit decision post from XX/XX/XXXX. I wasnt in the house in XXXX, in fact I didnt purchase my property until XX/XX/XXXX. I have never received assistance, and I have never received a modification for my property. This is another clear case of racial discrimination, and unethical acts by Wells Fargo and they are doing to me what they are and have done to many other XXXX and minority home owners which using unethical acts and violating rights to cause families to lose their properties. I expect a fair opportunity to save my home as every home owner deserves. I also informed Wells Fargo I wasnt in my house from XXXX until XX/XX/XXXX being that I was going through a divorce I also sent them the divorce decree as proof.

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