vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 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: TX

Complaint narrative:
Experian, XXXX, and XXXX are reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXXXXXX XXXX XXXXXXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXXXXXX and I will attach the documents. Also, the amount that XXXXXXXX XXXX is reporting is not correct. I was never informed that this account was with a collection agency. I do believe that this account was re-aged and is reporting incorrectly. Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.

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 2023-02-13 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: NRA Group, LLC
State: AL

Complaint narrative:
I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Surprise billing act has also been violated.

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 2023-02-13 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: TX

Complaint narrative:
Contacted credit card for a billing dispute in the amount of {$1500.00} ( XX/XX/2022 ) for services not rendered by merchant. I provided documentation and received a letter from bank card on XX/XX/2022 stating since a credit slip was not received that are leaving me with the charge and closing out the dispute. It is obvious that a merchant is not going to willing to provide a credit slip when they are clearly in the wrong.

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 2023-02-13 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: LEXISNEXIS
State: NC

Complaint narrative:
I tried to contact and communicated the company in order to have my credit report to be corrected. I am seeing so many inaccurate accounts, the dates I were tagged late were incorrect, the balances and dates were incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: OH

Complaint narrative:
I was never informed about this debt. I am not sure what this is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: IL

Complaint narrative:
Equifax and XXXX are completely reporting different information. Over the years I have noticed that it is becoming worse and worse. They are not in alignment with the law, they report information that one has and the other does not. they report dates that are not there, amounts that are not there and account that are not even on anyone Elses reports which seems like fraud. I have highlighted all violations in yellow and listed them below. 

XXXX has XXXX XXXX XXXX listed with a closed collections remark with the amount of {$750.00} Equifax does not have this account even listed on my report. This should be removed immediately. VIOLATION XXXX has XXXXXXXX XXXX listed on my report. Equifax does not. This should be removed- VIOLATION. 

XXXX has inquiries listed : XXXX XXXX XXXX XXXX listed 3 times- Equifax does not have any of these listed on my report- VIOLATIONS ( 4 violations ) Equifax has XXXX XXXX XXXXsted under inquiries- XXXX does not have this listed on the report- VIOLATION. 
XXXX also has very different information and should remove anything that is not already listed on all three reports. 

Lastly, XXXX has XXXX XXXX listed under Auto-loans. EQUIFAX DOES NOT have this listed on any report belonging to me and neither does XXXX. This is a VIOLATION. and should be removed completely. 

So many violations with XXXX, EQUIFAX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: IL

Complaint narrative:
XXXX and XXXX are completely reporting different information. Over the years I have noticed that it is becoming worse and worse. They are not in alignment with the law, they report information that one has and the other does not. they report dates that are not there, amounts that are not there and account that are not even on anyone Elses reports which seems like fraud. I have highlighted all violations in yellow and listed them below. 

XXXX has XXXX XXXX XXXX listed with a closed collections remark with the amount of {$750.00} XXXX does not have this account even listed on my report. This should be removed immediately. VIOLATION XXXX has XXXXXXXX XXXX listed on my report. XXXX does not. This should be removed- VIOLATION. 

XXXX has inquiries listed : XXXX XXXX XXXX XXXX XXXX 3 times- XXXX does not have any of these listed on my report- VIOLATIONS ( 4 violations ) XXXX has XXXX XXXX listed under inquiries- XXXX does not have this listed on the report- VIOLATION. 
EXPERIAN also has very different information and should remove anything that is not already listed on all three reports. 

Lastly, XXXX has XXXX XXXX listed under Auto-loans. XXXX DOES NOT have this listed on any report belonging to me and neither does EXPERIAN. This is a VIOLATION. and should be removed completely. 

So many violations with XXXX, XXXX AND EXPERIAN.

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 2023-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My experience with Wells Fargo was many years ago back in XXXX. I dont know if this lawsuit will go back this far but it was an awful experience with Wells Fargo . The property address that was mortgaged address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL 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 2023-02-13 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: PA

Complaint narrative:
I, XXXX : XXXX, Beneficiary. I recently looked over my Credit Report and noticed inaccurate Accounts and Inquires on my credit report that are fraudulent and needs to be paid in full and DELETED from my Consumer Profile. If these accounts are not removed from my consumer profile by XX/XX/XXXX, I will be sending the IRS ( INTERANL REVENUE SERVICE ) my packet. ( Also I've tried to get your company Ein multiple attempts with proof and your company have failed to provide that to me. Which is a refusal and according to the law per refusal is {$50.00} ( which has been over nine attempts with proof ). Before I take this route I will give your company XXXX last chance to remedy this wrong and delete these from my consumer report. If not I will send in to the IRS a packet with W-9 , 1040, 1040V of you company information and the accounting numbers so that this account can be reported to the IRS and for them to audit your company for not reporting it. I Am done with going back and forth with these accounts. Stop reporting them or lose money, and some paperwork to show for to the IRS simple as that I know with time anything is possible. So with that being said Remedy this wrong and do as I say or this could possibly go to Federal Court. Your company belittles consumers and I have met the right set of people who has educated me properly and made me aware fully of how to complete the process and even receive a check from your company. However, I dont want anything from you except to DELETE these accounts from consumer profile. 

I DEMAND YOU DELETE AND BLOCK ANY ACCOUNTS FROM REPORTING ON MY CONSUMER PROFILE!! 

ACCOUNTS : XXXX XXXX Date Opened : XXXX XXXX Amoun : {$1100.00} XXXX XXXX XXXX Date Opened : XXXX XXXX Amount : {$540.00} XXXX XXXX Date Opened : XXXX XXXX Amount : {$54.00} XXXX : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FMA Alliance, Ltd.
State: AL

Complaint narrative:
A company called FMA Alliance ( XXXX ) called claiming they are collecting a debt on a XXXX  XXXX credit card, which I do not have. The caller was XXXX XXXX. I confirmed I do not have an account by trying to log into the XXXX XXXX website using my social - no account was associated. I also ran my credit report and I have not had a XXXX XXXX credit card for many years. The man stated I opened an account in XXXX  which is not accurate. When I tried to call back to speak to a supervisor, the person said - after obtaining some of my personal information ( DOB, last XXXX  of social ) for verification - that it was a " misdial '' and put me on hold for over 15 mins ( still waiting for the supervisor ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-02-13 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 explanation
Consumer complaint received 2023-02-13 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: TX

Complaint narrative:
I am having a difficult time getting Experian, XXXX, and XXXX to remove an account that they are inaccurately reporting. I have sent many dispute letters to the point of no avail. They are reporting that the account XXXX XXXX XXXX XXXX was late 2 times and eventually charged off. This is not true. During 2020, I was on deferment due to XXXX so there should be no late payments according to the FCRA. I am asking that the credit reporting agencies remove the account from my credit report or update the account to paid as agreed never late, removing all late payments for their negligence. I am aware that I can be compensated up to {$1000.00} per violation, but at this time I am only interested in the deletion of the inaccurate information to reflect my true credit profile as this is causing me extreme distress. I do look forward to a response within 15 days.

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 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Well I was trying to get money for housing at XXXX and I was using an app called XXXX and I wasn't aware that I was receiving fake checks from a person because it was my first time doing it and I thought they were real. I thought the person worked for a legit company and didn't know the person was a fraudster. The person 's name was XXXX and it occured all the way back in XXXX. He stole up to XXXX of money that I had but I got half the money back during the situation. The actions I took were I tried telling the bank that I didn't know those were fake checks and now what I am doing is I am trying to do a police report about this person because I really do not like telling on other people but this effected me really bad and how he stole my money without having any consequences to his actions, and my bank account got closed know I have to use a different one. All I just want to do is get my money back because now since I am aware of these scams other people tried to do the same things to me but I turned it into the bank because at the time I didn't know and I was trying to get fast cash which brought me into this predicament.

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 monetary relief
Consumer complaint received 2023-02-13 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: TX

Complaint narrative:
I am having a difficult time getting Experian to remove an account that they are inaccurately reporting. I have sent many dispute letters to the point of no avail. They are reporting that the account XXXX XXXX XXXX XXXX XXXX was late 4 times and eventually charged off. This is not true. The account was never charged off and I have contacted the company to ask for the 1099c form and to see what company it was sold to and they reassured me that the account was closed and not sold. During 2020, I was on deferment due to XXXX so there should be no late payments according to the FCRA. Also, both XXXX and XXXX are not reporting this account so there is no way that Experian is in compliance. I am asking that Experian removes the account from my credit report or update the account to paid as agreed never late, removing all late payments for their negligence. I am aware that I can be compensated up to {$1000.00} per violation, but at this time I am only interested in the deletion of the inaccurate information to reflect my true credit profile as this is causing me extreme distress. I do look forward to a response within 15 days.

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 2023-02-13 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: TX

Complaint narrative:
XXXX, Experian, and XXXX have all investigated, contact, and decided that XXXX XXXX XXXX is reporting legally to my credit report but when a complaint was made to the Consumer Financial Protection Bureau and the XXXX XXXX XXXX about XXXX XXXX XXXX illegally reporting an account on my credit report, neither bureaus were able to obtain a response from XXXX XXXX XXXX XXXX XXXX Experian, and XXXX have made false investigations and continue to allow this legal account be reported 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 2023-02-13 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I tried to contact and communicated the company in order to have my credit report to be corrected. I am seeing so many inaccurate accounts, the dates I were tagged late were incorrect, the balances and dates were incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXX  Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account number : N/A Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXXXXXX XXXX Account number:XXXX Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-02-13 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Come its Bank deposited my payment of {$310.00} on XX/XX/22 and never applied it to my account. Have written and spoke to several supervisors and the person not answer Im getting is it takes up to ninety days. Meanwhile they are charging me interest and late charges on the disputed amount. And the have my account in past due status because another supervisor told I dont have to pay on the disputed balance. A supervisor told me the only no to get a late charge is to pay the minimum. The {$310.00} will pay the balance off if I pay them Ill end up with a credit balance. 
Comenity Bank XXXX XXXX XXXX XXXX Oh XXXX Acct # XXXX

Company response to consumer: Closed with monetary relief