vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-24 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:
I have no idea why you keep posting these negative accounts on my credit report, I already send few complaint to your company. I think that someone have 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 non-monetary relief
Consumer complaint received 2021-12-24 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: TX

Complaint narrative:
Experian has been reporting on my credit profile to collect a debt that is not my debt XXXX XXXX XXXX and XXXX XXXX.I have sent several dispute action to Experian regarding the debt that appears on my credit report. I have also reached out to XXXX XXXX XXXX back and XXXX XXXX, XXXX XXXX and XXXX again in XXXX and XXXX it still appear that it is showing a closed account but it not been removed as a fraudulent activity on my credit report. On the Experian website it appears that it is still showing on my credit report, I am reporting the inaccurate fraudulent activity these account does not belong to me that is reporting 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 2021-12-24 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: FL

Complaint narrative:
I was checking my credit report and I dont see any changes. I already told you that these accounts are not belong to me. I think that someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX AUTO 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 ( Original Creditor XXXX XXXX XXXX BANK 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 non-monetary relief
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This complaint was previously filed under CFPB case XXXX, dated XX/XX/XXXX, against LVNV Funding LLC. The case was closed by LVNV claiming the following : " Company 's Response was : We are unable to locate an account under the name of XXXX XXXX XXXX with the information provided. Please provide additional information, such as the account number ( s ), to help us locate the account ( s ) and address XXXX XXXX XXXX concerns. 

The address was previously provided as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

Today I just received a summons to court ( case no. XXXX ) for the collection of the same debt they claimed they could not find under my name and address. I do not know the account numbers, all they have provided are copies of two XXXX XXXX Bank statements with all but the last four numbers blackout, the last four numbers are XXXX, and XXXX, the address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and the dates are for different month in XXXX. Again, I have resided at my current address since XXXX XXXX XXXX XXXX XXXX XXXX since XXXX, and previous to that time I was a resident of XXXX XXXX, and have never done business with XXXX XXXX with according with LVNV is the original credit holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
Consumer Adjustment CO placed an account on my credit report. This item was disputed due to fraud on two previous occasions once in XX/XX/2021 and XX/XX/2021. In addition XXXX removed the item as a result of identity theft now my XXXX Credit Bureau report the identity theft account. The same debt continues to appear after being sold to various agencies. I have provided an original police report surrounding the identity theft. The item was just placed on the XXXX report and as a result of my identity being compromised this item should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX BANK 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 2021-12-24 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:
I was checking my credit report and I dont see any changes. I already told you that these accounts are not belong to me. I think that someone have 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 non-monetary relief
Consumer complaint received 2021-12-24 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:
I was checking my credit report and I dont see any changes. I already told you that these accounts are not belong to me. I think that someone have 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 non-monetary relief
Consumer complaint received 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I filed a complaint with the CFPB about Equifax ( Complaint # XXXX ) and Equifax has not resolved my issue. There is still 3 accounts that are reflecting on my credit file that need to be removed immediately. These accounts were showing included in bankruptcy XXXX XXXX  however there is no bankruptcy on file which means these accounts that are tied to it need to be removed. Equifax needs to delete these accounts that are tied to this inaccurate bankruptcy. I have included the dispute letter that I received from Equifax which shows these accounts in question are XXXX XXXX XXXX XXXX ACCOUNT # XXXX & # XXXX AND XXXX XXXX XXXX ACCOUNT # XXXX. My data was breached in the Equifax data breach and my credit file was impacted. Remove these inaccurate accounts from my credit file or I will be forced to file for litigation. I will not continue to be bullied by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-12-24 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: GA

Complaint narrative:
Inquiries : XXXX | XX/XX/2020 : 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX | XX/XX/2020 : 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX | XX/XX/2020 : 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX | XX/XX/2020 : 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Inaccurate late payments : XXXX : 15 U.S. Code 1666b. 
XXXX : 15 U.S. Code 1666b. 
XXXX XXXX XXXX XXXX XXXX15 U.S. Code 1666b. 
XXXX XXXX XXXX : 15 U.S. Code 1666b. 

Charge-offs and collections : XXXX : 15 U.S.Code 1692a ( 4 ). 
XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) : 15 U.S.Code 1692a ( 4 ). 
XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) : 15 U.S.Code 1692a ( 4 ). 
XXXX : 15 U.S.Code 1692a ( 4 ). 
( Original XXXX XXXX ) :15 U.S.Code 1692a ( 4 ).

( Original XXXX XXXX ) : 15 U.S.Code 1692a ( 4 ). 

I reached out to these company but the issues were not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2021-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC bank is the most horrible bank ever. I have been having problems with this bank ever since I was forced to switch over from BBVA. I am having an issue with PNC letting me connect to any 3rd party apps through XXXX. I can't use XXXX, it has been a feat for me to try to use XXXX XXXX and any other 3rd party app. I have called and been on hold for more than 20 minutes each time. I tried resolving the issue with XXXX on XX/XX/21 around XXXX ish and she was very rude and had absolutely zero answers for me. I asked to be transferred to a manager to see who could help me and I was on hold for over an hour and not one person came to assist me. The app is not user-friendly and PNC puts archaic measures into place under the guise of protecting your account. I just want to be able to use, move and transfer my own money as I see fit. I am leaving this bank asap- consumer beware...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2021, Equifax. I have attached my most resent consumer credit report. I have disputed the account named XXXX XXXX XXXX  XXXX twice with Equifax. It has come back as verified. The fair credit report act 15 U.S code 1681 states that a consumer credit report must be accurate. There are two inaccuracies that I have noticed. First this is a charge off account that shows a BALANCE of {$100.00} dollars. A CHARGE OFF ACCOUNT MUST SHOW AS A ZERO BALANCE. Second inaccuracy is this account is not leaked to any address that I have used in the past. Delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2021-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for a credit card with Citi bank that I thought advertised as intro 0 % apy for 18 months. But by the time I realized they were charging me interest. I had already accumulated $ XXXX in interest charges. 

I contacted them and they informed me that the intro 0 % apy wasnt on standard purchases, but only intro 0 % on balance transfers. When I asked to waive the interest, they said to pay off the balance then they can waive the interest. 

Once I paid it off, they tell me the system can only waive on statement per year.

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 2021-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently opened a Wells Fargo credit card and am experiencing difficulty making payments to the card online. I have made four payments from a non-Wells Fargo account and I discovered this is Wells Fargos limit for making payments from a non-wells Fargo deposit account and Wells Fargo wont allow me to make anymore payments online this month. They offered me the option of paying over the phone or opening a Wells Fargo deposit account. This is an inappropriate restriction on consumers and appears to be a potential ploy for Wells Fargo to have consumers open deposit accounts with them. It is not fair to consumers to restrict consumers making payments and potentially leads to possible debt issues down the line. Wells Fargo has terrible customer service and will pursue closing my credit card.

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 2021-12-24 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Bought Gift 3 Visa Gift Cards XX/XX/XXXX for a total of {$1500.00} with my credit card. Tried to use for groceries. All 3 cards rejected. Incomm says cards were not activated, I have the receipt that shows activation. Can't use cards I paid for. Case Number with Incomm is XXXX Incomm refuses to activate them. I want a check sent back to me overnight for the amount I paid- CARD FEES INCLUDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
paypal closed my account 180 days for no reason and i need my account back please slove this my paypal gmail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: SC

Complaint narrative:
XX/XX/2021, Experian. Attached is my most resent consumer credit report from XXXX. I have disputed two inaccurate accounts on my consumer credit report that Experian is reporting. You will see my name the report number on the right and this month date of the finished investigation. I have investigated both accounts twice and they come back as verified. XXXX is violating 15 U.S code 1681 of the Fair Credit eporting Act. THE FIRST ACCOUNT ( XXXX XXXX XXXX ) IS A CHARGE OFF THAT SHOWS A RECENT BALANCE OF {$990.00}. A CHARGE OFF MUST SHOW A ZERO BALANCE. DELETE THIS ACCOUNT FOR INACCURATE REPORTING. The account below it is ( XXXX XXXX XXXX ) This account is a COLLECTION ACCOUNT. IT IS REPORTING A BALANCE of {$680.00}. A COLLECTION ACCOUNT MUST REPORT A ZERO BALANCE AS WELL. DELETE THIS ACCOUNT AS WELL. DELETE BOTH INACCURATE ACCOUNT 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 explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello to everyone. Someone widrowed money from my account, and trying to resolve the problem, but they Declined for lnonreason .please gelo mento resolve the 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 explanation