vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-16 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: AZ

Complaint narrative:
I have previously disputed this account with Experian and XXXX and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way credit bureaus were able to verify this! I have filed a complaint demanding a deletion for the unverifiable accounts, Here are the accounts that need to be removed : XXXX XXXX Account Number : XXXX and XXXX XXXX Account Number : 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 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mar Joe Enterprises
State: SC

Complaint narrative:
CBC, LLC continously report to all 3 credit reports as if I have an account with them. This company constantly change their name. They are NOT the original creditor for one, for two, it's too old to be on my credit report, for three, I know that they can not keep doing this. I'm asking that they remove from all 3 credit bureaus and stop harassing me. They are damaging my credit.

( CBC ) is a third-party collection agency based in Tennessee that specializes in collecting delinquent medical bills.

What is CBC LLC on credit report?

Who is CBC, LLC? CBC, LLC, aka CBC Collections , LLC, is a third pary collection agency located in XXXX, Tennessee. You may see them listed on your credit report as a collections account. This can happen if you forgot to pay a bill and your account was sent to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
XXXX put an incorrect address in my XXXX report. My address is XXXX XXXX XXXX XXXX NY XXXX. XXXX put an additional entry that says XXXX XXXX XXXX XXXX XXXX NY. This is an error that a rep put in. The address in XXXX XXXX does not exist. XXXX won't correct and I asked XXXX to put a notation in my file which they did not do. XXXX claims they verified the XXXX XXXX address. I never submitted or showed a document that I lived at XXXX XXXX XXXX XXXX XXXX. Since no document exists XXXX ins in violation of the Patriot Act and I would like to file a complaint.

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 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
To Whom It May Concern I did not authorize Progressive Management System to access my medical records, I never signed a Hippa form to release my medical information and this is a clear violation of my Hippa rights, I need this removed immediately from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16 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: Kikoff Inc.
State: VA

Complaint narrative:
There was an collection account report to my Consumer Report on XX/XX/2018 by University XXXX in XXXX XXXX XXXX XXXX, GA XXXX. I never been to this XXXX and contacted them asking them to remove this from my Credit Report and they refuse to. My Constitutional Consumer Rights have been broken for under 15 US 1681 b ( 2 ) it clearly states the following : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give XXXX XXXX or anyone there the approval or consent to report anything on my behalf on my Consumer Report. This is a Violation of Rights and no matter what they their policies state it does not supersede Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: GA

Complaint narrative:
Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing i gave you authorization to report this to my credit report. No consent to you having my information and unathorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 

6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
This related to an ongoing issue which BSI has not addressed - either through incompetence or willful ignorance. 
My impound account shows three debits of {$2500.00} for property tax ( actually four debits and one credit - all for the identical amount- so the net number of debits is three ). 

However, only two tax payments should have been made at that dollar amount. This means that there is an ERROR IN THEIR ACCOUNTING FOR MY IMPOUNDS. 

They should also investigate POTENTIAL FRAUD OR EMBEZZLEMENT from within BSI - since there is no reasonable explanation for the debit, and their ongoing reluctance to address this problem is clearly a concern. 

The attached documents are : - a photo of my property tax bill showing that only two payments were needed.

- a copy of BSI 's prior response, the final page I have highlighted FROM THEIR RECORDS the property tax payments at issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I sold an XXXX in XXXX 2021 and I reset the phone and disconnected it from my XXXX and sold it through XXXX. I shipped the phone to Delaware. XXXX weeks later I received a message through XXXX from the buyer that said that the buyer could not get the phone set up because he was able to log into my phone and subsequently get access to all of my accounts and passcodes that were saved in my phone. He then subsequently used my phone to purchase items on my XXXX account. On XX/XX/XXXX after noticing my balance was off on my account I disputing several different items on my last XXXX months billing cycles with Wells Fargo. Over the next XXXX months I spent HOURS going back and forth with Wells Fargo with them ultimately telling me that it was my fault that this happened and I was complicit in this transaction. I took notes and records o every time I spoke to someone and ultimately how many time I talked to people and ultimately they closed the claim, restarted and reopened it XXXX times. I am so frustrated. But they had to close the claim. This was for over {$5000.00}.

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 2022-01-16 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: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX conducted a hard inquiry against my credit history via Experian. I have no business, nor ever had business, with XXXX XXXX XXXX and immediately notified XXXX XXXX XXXX on XX/XX/XXXX requesting details regarding their hard inquiry. They would not provide any details regarding the inquiry. I opened a case with them for details on the query against my credit history and indicated it could be fraud. Despite six ( 6 ) follow-up emails and phone calls to XXXX XXXX XXXX no one will provide me any details nor will they remove the hard inquiry from my credit history.

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 2022-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Upgrade XXXX XXXX BANK refuse to close my account and its been almost a year and I called on XX/XX/XXXX to close my account and they stated it will be closed in 30 days and its still showing its open as of XX/XX/XXXX and the rep said it restricted and I dont want this account mess up my credit reporting I dont owe anything on this account and Im asking them to close it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Please see the enclosed email sent to SLS today regarding time usurped due to belief caller from SLS XXXX  was from SLS as the phone displayed SLS as the caller. 

That the Short Sale buyer should NOT BE PENALIZED due to this loss of XXXX business days = XXXX days in full. 

There was NO WAY to know the XXXX XXXX from SLS XXXX was NOT from SLS XXXX. 

The timing of the call +emails sent to XXXX marked URGENT URGENT URGENT that went unanswered. I've since been advised that those emails ARE NOT READ? IF the email correspondence is not read with one being unable to get through via PHONE then what is one supposed to do? 
Had no knowledge until this past week probably Wednesday, that the emails are NOT READ. Where do they go? XXXX XXXX and other necessary identifying information is provided with each email This is STRESSFUL. STRESSFUL STRESSFUL not to mention UNFAIR, UNPROFESIONAL & a WASTE OF TIME. 

Further over and above the emails to XXXX are NOT READ the preferred mode of communicaiton for SLS as their phone message states is their new and improved www.sls.net for communicationl I'm told this would be flagged for me, however, I am unable to get copies of any correspoindence I tender through that site. What? 
I've asked XXXX why is there not a cc line so I can cc myself with my language tendered. 
There is not the ability to to cc myself. And FURTHER there IS NOT THE ABILITY FOR SLS TO PROVIDE ME WITH A COPY OF MY CORRESPONDENCE UNLESS I SEND A LETTER TO A GIVEN ADDRESS? 
That is an inconvenient along with time delay way to receive my correspondence 1st I must have time to write to them 2nd I must post an envelope 3rd I must hope it gets there 4th I must hope someone reads it 5th I must hope there will be a reply with my correspondence included. 

This is crazy. Forgive my less than proiessional opinion. 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 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian refuse remove old addresses on my credit report even when I provided my information through mail, It has cause issues with my personal information.

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 2022-01-16 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: GA

Complaint narrative:
I am a victim of identity theft. XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX have fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
RADIUS GLOBAL SOLUTIONS continously report to all XXXX credit reports as if I have an account with them. This company constantly change their name. They are NOT the original creditor for one, for two, it's too old to be on my credit report, for three, I know that they can not keep doing this. I'm asking that they remove from all XXXX credit bureaus and stop harassing me. They are damaging my credit.

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 2022-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank NA. has fail to invwestigate and help us. XXXX XXXX de XXXX XXXX on XXXX still active account and Citibank NA alsp fail on XXXX at end of XXXX I have reported because company didnor refund and blame XXXX. I should have notice since they asked for different kind of fees arguing and convincing because pandemia situation. 
I fail but citibank was supposed to compliance regulations. I trust them because we were wiring to citibanamex and XXXX XXXX de XXXX XXXX is the excrow account. I have bring the document and show it to teller to do wire.. There were on on XXXX and pending as investigator told me Why they release them XXXX XXXX XXXX spoken to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX nad they confirm my money was XXXX XXXX XXXX XXXX de XXXX XXXX. I HAVE SEND INFORMATION SEVERAL TIMES TO CITIBAN Na XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED XXXX XXXX XXXX XXXX XXXX. 
As I was told they do not have time to help a person who does not have a big account they protect and help Criminals because the did not investigate XXXX XXXX XXXX XXXX XXXX XXXXThey mention a bank of XXXX and XXXX XXXX I have not wire them. Suspicious that citibank and XXXXXXXXXXXX should be aware if they follow compliance regulations. They should havehold this wires andinvestigate.. they did on 2 but release them even I have reported. Citibank did not answer said protect privacy.. Only will answer in court with subpoena when I asked Citibank NA to refund as they fail to investigate and request to XXXX XXXX XXXX  XXXX XXXX and account active that was still active on XX/XX/XXXX Why they did not protect me as her client XXXX XXXX XXXX XXXX XXXX XXXX has tried to help me in 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 2022-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I use MoneyGram send {$140.00} to XXXX, inXX/XX/2019.But received didnt receive the money, I connected them. But No help. My Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX Square Capital LLC conducted a hard inquiry against my credit history via XXXX. I have no business, nor ever had business, with Square Capital LLC and immediately notified Square Capital LLC on XX/XX/XXXX requesting details regarding their hard inquiry. They would not provide any details regarding the inquiry. I opened a case with them for details on the query against my credit history and indicated it could be fraud. Despite XXXX ( XXXX ) follow-up emails and phone calls to Square Capital LLC no onXXXX will provide me any details nor will they remove the hard inquiry from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Aligned Company DBA Extra
State: NV

Complaint narrative:
On XX/XX/2021 XXXX XXXX XXXX alleges that I made a purchase of {$56.00} at a grocery store. I didn't shop at any grocery store on that date. I communicated this to XXXX XXXX XXXX. My checking account was debited for the charge anyway. I closed my XXXX XXXX XXXX account on XX/XX/2021. On XX/XX/2021 I initiated a dispute against the XXXX XXXX XXXX charge with my bank. XXXX XXXX XXXX was not able to validate the charge with my bank therefore I won the dispute & the charge was reversed. XXXX XXXX XXXX reopened my account without my permission, unsuccessfully attempted to debit my account, and has since spammed my email inbox demanding that I pay {$56.00}. My XXXX XXXX ends in 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 2022-01-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account after multiple letters and phone calls.

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 2022-01-16 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: SC

Complaint narrative:
This Credit Reporting Agency is furnishing information to my consumer report withiut written consent from the consumer. This CRA has willfully violated the FCRA a multitude of times. Pursuant to 15 USC 1681B ( 2 ) These are my written instructions. I need the Two Collections from XXXX XXXX XXXX & Every Inquiry deleted NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: GA

Complaint narrative:
I am a victim of identity theft. XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX have fraudulent accounts on my credit profile that need to be removed immediately.

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 2022-01-17 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: MI

Complaint narrative:
I noticed that XXXXXXXX XXXX  had inaccurately reporting information monthly on my crafty report as if there is new/updates information for this account and there has not been any updates or activity on this account in about 6 years. When I brought this issue to the attention of all 3 crafty bureaus they gave me the run around a claiming they didnt understand my request. I was clear in my statement of incorrectly reporting an account which has had no activity. XXXXXXXX XXXX continues to report just recently as XX/XX/XXXX. 2022 in this Closed account. 

They should not be reporting on a closed account that has had ABSOLUTELY NO ACTIVITY IN 6 years!!! They continue to report it as activity hence extending the 7 year expiration time which is illegal!!! 

They have been avoiding addressing this issues spitefully.

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