vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 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:
The EXPERIAN company has reported me with the following wrong information. 
COLLECTION ACCOUNTS 1.- XXXX XXXX the account belongs to the company XXXX, opened on XXXX for a value of {$1900.00}. 
2.- IXXXX XXXX XXXX, the account belongs to XXXX XXXX XXXX, XXXX on XXXX for a value of {$1600.00}. 
XXXX XXXX XXXX XXXX, the account belongs to XXXX XXXX XXXX FL, opened on XXXX, for a value of {$4200.00} 4XXXX XXXX XXXX XXXX, the account belongs to XXXX XXXX XXXX XXXX XXXX opened on XXXX for a value of XXXX CLOSED ACCOUNTS - CHARGE OFF 1.- XXXX XXXX XXXX XXXX XXXX, Auto loan, opened on XXXX for a value of {$18000.00} XXXX AXXXX XXXX XXXX, open on XXXX for a value of {$4200.00} XXXX XXXX XXXX Cell Phone opened on XXXX for a value of {$2500.00}. 

These accounts are a fraud where my identity was stolen to open them, I have reported several times to the EXPERIAN company that this is a fraud, but they do not want to erase the wrong information. The credit companies XXXX and XXXX have the correct information and I do not have any of these reports with them. 
The EXPERIAN company is causing me great harm by keeping this incorrect information within its report, which does NOT match the other two credit companies.

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 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion is still inaccurately reporting fraudulent information because the bankruptcy court has provided me with documentation that I have attached stating that they have not furnished any information in regards to the bankruptcy to Transunion. I contacted Transunion on numerous occasions as well as disputed the bankruptcy and was told it has been verified via third party company XXXX. I sent a letter to XXXX stated that the bankruptcy doesn't belong to me and XXXX removed the bankruptcy from my file. XXXX XXXX sent me documentation showing it was removed and send the same information to Transunion. At this time Transunion is telling me the only way it can be removed is an expungement via the bankruptcy court. The bankruptcy court does not have any record of this file and does not offer expungement for bankruptcy case.

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 2021-12-10 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. I have called Transunion several times to get this resolved and they have ignored my request. 

XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Synter Resource Group, LLC.
State: GA

Complaint narrative:
I have been receiving calls and text messages since XXXX for a different person. I have told them that they have the wrong number and they continue to contact me. The dates I have recorded are XX/XX/2021, XX/XX/2021 and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is in dishonor at this point, reporting false information on my consumer reports.

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 2021-12-10 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: TN

Complaint narrative:
i would like for the fraudulent accounts to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
this message is for transunion concerning the account with XXXX XXXX in the amount of XXXX dollars. showing the account is paid in full and should be deleted from my 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 2021-12-10 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: TN

Complaint narrative:
i would like for the fraudulent accounts to be removed 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 non-monetary relief
Consumer complaint received 2021-12-10 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: TN

Complaint narrative:
i would like for the fraudulent accounts to be removed 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 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. Equifax is not complying with my request as these inquiries unauthorized and potentially fraud. 

XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
We used XXXX HomeOwners insurance and we have been turned over to collections. I have already disputed this via written letter however ; I am still receiving harassing 's communication. We sold our home and we were provided a credit due to the sale of the home which was included in the closing documents. We were even provided a refund by travelers. I am not sure how their records are prompting this harrassment but this account needs to be closed and we need to be left alone. They turned this debt over to Credit Collection Services- XXXX XXXX XXXX XXXX XXXX MA XXXX. I have since disputed this debt directly with them but it seems like that fell through the cracks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: FL

Complaint narrative:
Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the Experian Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately. 

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 2021-12-10 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: NJ

Complaint narrative:
Hello, Experian has two inaccurate addresses reported on my credit file. When contacting them they told me addresses could not be removed. they could only reach XXXX to other credit bureaus such as XXXX and XXXX to inform them that those addresses are not mine. 

These addresses do not appear on XXXX or XXXX and Experian is refusing to remove fraudulent addresses. 


Thanks, 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 2021-12-10 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: PNC Bank N.A.
State: MD

Complaint narrative:
I am a joint owner of a HELOC loan with my soon to be ex-wife. Prior to our separation, my wife unilaterally, and without my knowledge and consent, put our home mortgage and HELOC loan into forbearance using the CARES Act. On XX/XX/XXXX, my wife went into a local PNC bank branch and changed the contact information associated with the HELOC loan, which removed my contact information, and changed all contact information to include only herself, for phone, email and an address located out of state. Since that time, she has unilaterally modified and continued the forbearance, and eventually agreed to a repayment plan once the forbearance period ended. I at no time was present or a participant in any of these decisions, nor was I notified by PNC that these actions occurred. 

I found out in XX/XX/XXXX after getting an alert from my credit reporting agency that my credit score had dropped nearly 100 points, that the terms of the repayment plan had not been met for the months of XXXX and XX/XX/XXXX, making my account 60 past due. I immediately paid the past due balance and notified the bank of the issue. PNC confirmed that I have never had a late or missing payment in my history of business with them and I also have no other accounts on my credit report showing any missed or late payments in my entire history. I officially disputed the missed payments through the proper PNC process and was denied. 

At no point did PNC contact me via phone, email, or traditional mail to alert me that I was my forbearance ended, that I was missing a payment or that they were trying to collect a debt. Because of the 60 day late payment reporting on my credit report, I am now unable to refinance my family home, where me and my two children live, and which I have agreed to do according to the terms of my divorce agreement. I am told by my mortgage broker that I have to wait a year until I can refinance based on this reported delinquency, which because of the terms of my divorce agreement, will require me to sell my home in the next two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
PHH Mortgage is refusing to correct my taxes that are escrowed. The customer service department is refusing to fix their error. My taxes are paid semi-annually, always have been, nothing changed in 2021 for how my property taxes are to be paid. PHH Mortgage did not pay my 2nd semi-annual property tax bill  that was due XX/XX/2021 and is now past due with late fees. They are refusing to pay it unless I send them the bill, which they already have and the county already provided to them. The customer service rep  is refusing to fix our escrow account to semi-annual, refusing to pay the overdue property taxes, and refusing for PHH to pay the interest and late charges to the County that has accrued since they did not pay the taxes timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: TN

Complaint narrative:
I was approved for a loan with 499 % APR. The unfortunate thing is that I am the spouse of an XXXX XXXXXXXX military member. I only recently learned about the Military Lending Act ( MLA ) that caps apr at 36 %. I only found this out by accident because there was an issue with the company stopping my auto-pay ( without my consent ) and then charging me a late fee. I have been paying this loan for a few months now on my pay day as well as an additional lump some I paid early on. I went down a rabbit hole and found out about the MLA. I reached out to the company and told them about the issue. I asked for a copy of the application because I did not remember there being a place where I could check being the spouse of someone that is active-duty, but they refused to send me a copy of the application. At their request, I sent in documents verifying that I a spouse of an XXXX XXXX XXXX member. They have given me the run around and stated that the MLA doesn't protect spouses, only the members themselves. I told them this was incorrect and I did not want to be part of an issue. They further gave me the runaround and said they would " get back to me ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I received a letter about a debt I have no idea what /where/when this debt accord because I don't even have a computer or anything that would caused that much to repair, none the least even know who these people are.

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 2021-12-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
See complaint no. XXXX. Assuming that you intent to record the instrument, please know that you are barred from doing so. XXXX requires that all mortgages, deed or other be notarized. The original document must contain the original notarization. XXXX clerk are NOT allowed to accept any mortgage, deed, or other that does not meet this requirement. The loan modification reveals it was not notarized, nor it reflect the legal description of the property. The instrument will never have enforceability in the State of Florida until the intangible & stamps are paid on the loan increase which you failed to pay, see Florida XXXX XXXX XXXX XXXX .Because no one acknowledge the instrument signatures, you are barred from recoding it at the XXXX XXXX office XXXX To refresh your memory I have attached the XXXX requirement to record mortgage instruments, please provide a copy to all of your fraudulent attorneys. JP Morgan, you should know that if you pay anyone at the clerk office to record the instrument illegally just like someone did on your behalf on an unrelated case, there will be a warfare of legal action against you as we will bring the matter to the tax collector office, IRS, XXXX State Attorneys Office XXXX Governor XXXX XXXX XXXX Florida Attorney General.

Company response to consumer: Closed with explanation