vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I have contacted chex systems before to get them to remove adverse information on my credit report and I have contacted them in writing and on the phone and to no avail they have refused to remove the information or at least give me the details of the derogatory info so I may correct it. I want my information with Chex Systems either deleted or removed due to lack of supporting info or documentation and zero response from their customer service department. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29 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: Velocity Portfolio Group
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX  CKS PRIME INVESTMENTS, has violated my rights. 
( XXXX XXXX XXXX XXXX XXXX XXXX ) HAS VIOLATED MY RIGHTS. 

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

15 U.S.C XXXX  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 XXXX  b ( 2 ) not state that such consumer owes any debt.

I HAVE NEVER DONE BUSINESS OR EVEN HEARD OF THIS COMPANY BEFORE. I RECENTLY CHECKED MY CREDIT REPORT AND THIS INACCURATE INFORMATION WAS LISTED WITHOUT AN ACCOUNT NUMBER. I WAS NEVER NOTIFIED ABOUT THIS INACCURATE INFORMATION UNTIL I CHECKED MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: MA

Complaint narrative:
XXXX XXXX acc # XXXX date XXXX XXXX ( closed ), ... in accordance with the fair credit reporting act XXXX # XXXXhas violated my rights!, ... 15 U.S.C.1618 section602A states that i have a right to privacy ... 15U.S.C.1618 section604A also states a consumer reporting agencycan NOTfurnishan accoun without my consent and/or instruction and i did NOT give it to them..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: MA

Complaint narrative:
XXXX  XXXX acc # XXXX date XXXX XXXX ( closed ), ... in accordance with the fair credit reporting act XXXX  # XXXXhas violated my rights!, ... 15 U.S.C.1618 section602A states that i have a right to privacy ... 15U.S.C.1618 section604A also states a consumer reporting agencycan NOTfurnishan accoun without my consent and/or instruction and i did NOT give it to them..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
In accordance to the fair credit reporting act XXXX XXXX  Account # XXXX, Has violated my rights. 
In accordance to the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance to the fair credit reporting act XXXX XXXX account # XXXX 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 Furnished my account without my written consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: MA

Complaint narrative:
1XXXX XXXX {$110.00}, acc # XXXX date ; XX/XX/XXXX, ..2 ) XXXX XXXX, balance {$45.00} acc # XXXX status closed XX/XX/XXXX, .3 ) XXXX XXXX {$130.00} XXXX acc # XXXX satus closed XX/XX/XXXX, ... .4 ) XXXX XXXX $ XXXXacc # XXXX, closed XX/XX/XXXX... ..5 ) XXXX acc # XXXX XX/XX/XXXX {$520.00} ... ... XXXX acc # XXXX collection XX/XX/XXXX ... ... .in accordance with the fair credit reporting act XXXX # XXXX has violated my rights,15U.S.C.1618 section 602A states that i have a right to privacy ... .15U.S.C.1618section604A section 2 also states that a consumer reporting agency can NOT furnish an account without mt consent and /or instruction ... and they have niether!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX XXXX XXXX ) 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 1692 b ( 2 ) not state that such consumer owes any debt.

I HAVE NEVER DONE BUSINESS OR EVEN HEARD OF THIS COMPANY BEFORE. I RECENTLY CHECKED MY CREDIT REPORT AND THIS INACCURATE INFORMATION WAS LISTED WITHOUT AN ACCOUNT NUMBER. I WAS NEVER NOTIFIED ABOUT THIS INACCURATE INFORMATION UNTIL I CHECKED 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 2022-05-29 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX XXXX XXXX ) 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 1692 b ( 2 ) not state that such consumer owes any debt. 

I HAVE NEVER DONE BUSINESS OR EVEN HEARD OF THIS COMPANY BEFORE. I RECENTLY CHECKED MY CREDIT REPORT AND THIS INACCURATE INFORMATION WAS LISTED WITHOUT AN ACCOUNT NUMBER. I WAS NEVER NOTIFIED ABOUT THIS INACCURATE INFORMATION UNTIL I CHECKED 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 2022-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Bayview now Community Loan Service see attached letter to XXXX, I am requesting you to contact XXXX to research investigate perform an audit based on the reimburement check from XXXX do to there erroneous charge to homeowners escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: MA

Complaint narrative:
1.XXXX XXXX  {$110.00}, acc # XXXX date ; XX/XX/XXXX, ..2 ) XXXX XXXX, balance {$45.00} acc # XXXX status closed XX/XX/XXXX, .3 ) XXXX XXXX {$130.00} XXXX acc # XXXX satus closed XX/XX/XXXX, ... .4 ) XXXX XXXX $ XXXXacc # XXXX, closed XX/XX/XXXX... ..5 ) XXXX acc # XXXX XX/XX/XXXX {$520.00} ... ... XXXX acc # XXXX collection XX/XX/XXXX ... ... .in accordance with the fair credit reporting act XXXX  # XXXX  has violated my rights,15U.S.C.1618 section 602A states that i have a right to privacy ... .15U.S.C.1618section604A section 2 also states that a consumer reporting agency can NOT furnish an account without mt consent and /or instruction ... and they have niether!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29 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: MA

Complaint narrative:
1.XXXX XXXX {$110.00}, acc # XXXX date ; XX/XX/XXXX, ..2 ) XXXX XXXX, balance {$45.00} acc # XXXX status closed XX/XX/XXXX, XXXX ) XXXX XXXX {$130.00} , acc # XXXX satus closed XX/XX/XXXX, ... .4 ) XXXX XXXX $ XXXXacc # XXXX, closed XX/XX/XXXX... ..5 ) XXXX acc # XXXXclosed XX/XX/XXXX {$520.00} ... ... XXXX acc # XXXX collection XX/XX/XXXX ... ... .in accordance with the fair credit reporting act XXXX  # XXXX has violated my rights,15U.S.C.1618 section 602A states that i have a right to privacy ... .15U.S.C.1618section604A section 2 also states that a consumer reporting agency can NOT furnish an account without mt consent and /or instruction ... and they have niether!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
In accordance to the fair credit reporting act XXXX XXXX  Account # XXXX, Has violated my rights. 
In accordance to the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX  Account # XXXX. Has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance to the fair credit reporting act XXXX XXXX account # XXXX 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 Furnished my account without my written consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
In accordance to the fair credit reporting act XXXX XXXX  Account # XXXX, Has violated my rights. 
In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance to the fair credit reporting act XXXX XXXX account # XXXX 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 Furnished my account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Please reconsider my credit limit which was {$8000.00} from my initial application on XX/XX/2021. I recently purchased a home with my husband and we both applied to XXXX XXXX. We applied separately he got approved for {$2000.00}. I got approved for {$8000.00}. I have since from the date of opening my account paid every last payment on time. No lateness. My account has been current and in good standing. We applied because as a homeowners it makes since to have an account for projects. We were contemplating on adding a sunroom to our new home. On XX/XX/XXXX I get a alert XXXX in the morning which stated I was nearing my credit limit. This alert was set by me to message me when I spend close to my limit. The alert alarmed me I thought fraudulent activity on my account because I knew I was using only XXXX percent of my credit limit my balance was {$38.00} so I called Citibank that day when they opened and the representative told me they do a yearly review and decreased my limit. I find this not to be true my mother has a {$10000.00} limit and my husband opened his account and his account was not reviewed or limit decreased as a lot of other people I have researched. The representative was very nasty and ignorant and quote you lucky they did not close your account. They took {$7500.00} away and left me with {$500.00}. The representative spoke to me like I was a criminal or as if I was not paying my bill. I DO NOT HAVE ONE blemish on my credit. I have no derogatory marks on my no collections no lateness ABSOLUTELY NONE. I established credit XXXX  years ago I always use to purchase with cash. So I decided to get some credit cards. I recently purchased a new home used my Wayfair card to purchase all new furniture for our home along with other cards I have. No other company decreased my limit and review my account without my permission and on top of that didnt even notify me. All my accounts on my credit report are current and no late payments. Since Covid I notice the credit bureau are only reporting when your usage go up but not when you pay your card balance down. Taking {$7500.00} from my credit report for no reason when my account was current and showing a balance of {$38.00} is not ethical and brought my score down. My balance is XXXX as of to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There saying this has been verified? However this company clearly sent me paperwork with a blank and unknown patient signature. This account could be related to fraud, it is not my signature and is unknown too me. So how are they truly verifying this account? I have included a copy of an FTC report as well. 
XXXX XXXX XXXX  Account Number:XXXX {$20000.00} Please remove this item from my credit report immediately. 

REPORTING INCORRECT BALANCE, Proof in documents attached. 
XXXX XXXX Account Number : XXXX BALANCE REPORTED BY XXXX : {$1700.00} BALANCE REPORTED BY CREDITOR : {$1600.00} Please remove this item from my credit report immediately. 

The following creditor agreed the account was paid as agreed, the creditor also stated they could find no evidence of late payments on my account. 
XXXX XXXX Account Number : XXXX Please update the late payments to paid as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29 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: NY

Complaint narrative:
I had a credit card balance of {$5500.00} with XXXX, which went into collections and was pursued by a servicer named XXXX XXXX XXXX. After receiving an offer to settle the debt at 60 % of the principal balance, I made a payment of {$3300.00} on XX/XX/XXXX. Despite this, my credit report incorrectly shows that I still owe a balance of {$2200.00} to XXXX. 

XX/XX/XXXX : I received email from XXXX with debt settlement options ( " Settle your account now for a lump-sum payment of {$3300.00}. That is a savings of 40 % on your outstanding balance! " ). *** Attached file " XXXX - Debt Settlement Offer.pdf '' *** XX/XX/XXXX : I called XXXX to setup payment to settle debt at {$3300.00}. Payment was deducted over the phone, and the representative confirmed that the debt has been resolved. I requested a letter to be mailed to my address confirming the same. 

XX/XX/XXXX : I viewed my credit report on Experian and it shows that I still owe a balance of {$2200.00} to XXXX. This directly contradicts XXXX 's letter of intent to settle and their statements during my communications with them. ** Attached file : " Experian credit report - XXXX  bal.pdf '' The information reported is clearly inaccurate, and contradicts all correspondence I've received from the collections agency. Beyond any doubt, either the collections agency has lied, or the credit bureau 's reporting is inaccurate. Please help me address this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: MD

Complaint narrative:
hello i owe debt to a bank which is named pnc bank it was a negative balance in my account that i did not owe they closed my account down with a negative balance in there and said i owed it i owe no balance i only just got pnc in XXXX i feel as if maybe somebody tried to get into my pnc and use money that was not mines or didnt belong to me therefore isnt my debt at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: Credit Bureau Services of Iowa Inc.
State: IA

Complaint narrative:
Credit bureau services took me to small claims court for 3 accounts all at once. The judge deemed I was not responsible for the account for the amount of XXXX. I did take responsibility for the accounts for XXXX and XXXX. I have disputed the account for XXXX multiple times with prof from the court and have call Credit bureau services and they still refuse to remove the account 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