vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-04 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On XXXX I traded in my lease and bought a brand new car with the same company I leased from which was XXXX XXXX XXXX. The SAME day I was released of all LIABILITY and given the forms which I have attached. On XXXX Honda Financial  called my phone which was odd because Ive never been late on any payment and I didnt have possession of the vehicle. ( I believe it was sold the next day ). I explained all of this to them and they told me they didnt care and that they were marking me 30 days late. I then called XXXX  and spoke with XXXX and XXXX XXXX who said that they was no way I was liable for anything as I didnt have possession of the vehicle and then they reached out the Honda Financial and was also treated with the same disrespect that I had just dealt with. Due to XXXX I have been in a shelter with my children and was due to close on my brand new house XX/XX/XXXX. That now is not an option. UNBELIEVABLE!! If this information was reported correctly I would accept this. However its not. This mark has damaged my LIFE! I want it removed immediately so that I can close on my house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NV

Complaint narrative:
I received an e-mail stating I owed a debt to XXXX XXXX XXXX which originally was a debt owed to XXXX XXXXXXXX XXXX, XXXX. account. 
I called the listed number, XXXX ( XXXX ) XXXX. I entered the fake account number listed in the e=mail, XXXX, and was notified that I owed {$6000.00}. 
The e-mail they say in the original e-mail to me to contact them is XXXX. 
Im sure I do not owe such debt. 
How do I stop them and is this on my credit report? 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: IL

Complaint narrative:
I noticed that my profile report contains unauthorized accounts that are illegal. I'm concerned that you've included the following information in my credit profile and that you've neglected to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you distribute. Credit reporting laws require agencies to report only accurate credit data. Each step should be taken to ensure that the data detailed is completely accurate and correct. The accompanying data should be re-examined in this manner. After carefully pulling my credit report from your agency, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or inaccurate information because my information was exposed as a result of the XXXX data breach and may have ended up in the wrong hands. You are filing reports negligently and inaccurately, in violation of the FCRA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I'll seek a default judgment and file a class action lawsuit under XXXX 1640 on behalf of at least 1 % of the corporation for violations, stress, and mental anguish, OR ANY OTHER AMOUNT OF DAMAGES UNDER 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 2021-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank reverse credit from a defective service, I am still disputing the charge. 
I also file a complaint with Florida Department of Agriculture the department that regulate this type of business and will continue to dispute until credit is reverse. 
I send pictures of the oil leak by certified letter XXXX and return receipt XXXX merchant needs to be charge back until oil leak is resolved.

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 2021-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
To begin, I received multiple offers from TD Bank credit card services this year. XX/XX/XXXX of this year I finally gave in, and decided to see what TD had to offer me. The pre-approval code and notice received stated this would not impact my credit score. When going through the process it then indicated should I proceed it would impact my score. At that point, I ceased from continuing with the TD online process. However, I received a letter from TD Bank thanking me for my interest, and requesting that my application has not been completed. Furthermore, the letter states that there is more information needed in order to complete the application and make a decision. Concerned, I called on XX/XX/XXXX, and spoke to a courteous TD Bank representative XXXX approximately noon. I raised my concern that TD Bank did in fact impact my score, and report to the uncompleted process to the credit bureaus creating a hard inquiry. Unfortunately XXXX did not have the power to remove it from the bureaus. Needless to say however a point worth mentioning I take my credit & scores very seriously. I want this TD Bank inquiry removed immediately. My faith in the CFPB 's effectiveness when dealing with creditors, and legal professionals over the years sadly has waned. Which is why I will be also filing a complaint with FCRA. Without a doubt I am livid with the way the three major credit bureaus works more for the banks and merchants then they do with the actual consumers. I hope the CFPB will take this as seriously as I do although I no longer rely solely on the CFPB for proactive intermediary assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF YOU NEED MY AUTHORIZATION TO PROCEED, YOU HAVE MY AUTHORIZATION TO PROCEED. 

I, XXXX XXXX, consumer and natural person, have submitted a complaint through the CFPB of the collection account reporting on my credit report. The account is from XXXX XXXX XXXX XXXX XXXX XXXX with account XXXX XXXX XXXX 
The complaint. number submitted through CFPB is XXXX and complaint number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
I have applied to XXXX XXXX, XXXX and XXXX only to be to my background check came back negative. First Adv did all three background checks. I was finally able to obtain these checks. I tried to locate my report only to be refused or stymied at every opportunity. When i was finally able to obtain my report I notice several inaccuracies. First, this was catoragized as a major offense ( ie, XXXX XXXX XXXX XXXX XXXX This was a XXXX XXXX XXXXXXXXXXXX XXXX I was issued at XXXX for food that didn't scan at the self-checkout. yes, i did this but only because i. was hungry 2. there was no help to be found the total was I think XXXX for cold cuts. Now the interesting parts come into play, On XX/XX/2019 i pled guilty to this minor infraction and took the deal ^ 6 months NO report probation /mail-in and I was in compliance with these conditions when I suffered a XXXX XXXX and XXXX. Thankfully I have recovered from this after months of XXXX Apparently and I was unaware of this the XXXX XXXX assigned to my case ( there are issues there as well ) violated me for non-complience. This couldn't be further from the truth. I have been a man of good moral character for my entire adult life. I feel that this needs to be addressed in some common-sense way. I have never been convicted of a felony yet that is how they making it appear. I did not find out about this till XXXX XXXXduring the whole Covid experience. PLEASE help me correct this and these INACCURACIES. ONCE AGAIN I WOULD LIKE TO STATE THAT I HAVE BEEN A MAN OF GOOD MORAL CHARACTER MY ENTIRE life Please dont deny me the right to employment due to these inaccuracies, sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I created an account with TransUnion to lift a credit freeze on XX/XX/21. This service cost {$24.00}. Instead of this being a one-time charge as I had ordered, my credit card has been charged monthly for a subscription service that I did not authorize ( XXXX ). I just found the recurring charge and cancelled the subscription, however my complaint is that TransUnion did not make it clear that this was a subscription service and it would be a recurring charge. Please advice TransUnion to make recurring charges far more obvious for an unwary customer. I only needed a one-time service and it is frustrating to be signed up for an entire monthly service that I did not request.

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 2021-12-04 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$310.00} XXXX XXXX Balance {$40.00} XXXX XXXXXXXX Balance {$28.00} XXXX XXXX Balance {$440.00} XXXX  XXXX Balance {$710.00} XXXX XXXXXXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had a first time home loan thru fha and went thru XXXX XXXX XXXX XXXX XXXX on contract for 30 years and they sold my loan to chase then I got hurt XXXX XXXX XXXX got behind on payments so went thru a loan modification which chase screwed me over and got sued for not helping clients which I was supposed to get a settlement from them never received my payment.after that I put in and received a hardest hit fund from XXXX XXXX in XXXX XXXX I received XXXX XXXX which XXXX payments were supposed to go to chase to pay of my loan.chase was supposed to drop my instrest rate from 6.5 to 4.3 and forgive past penalties and restart my loan which they did neither causing me to loose XXXX XXXX XXXX XXXX XXXX XXXX .banks are criminals home wreckers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have started sending off challenge letters since XXXX XXXX XXXX about my personal information and collections/charge offs. This was basically a warning signal for them to make sure they are doing the right thing. Experian proceeds to say it is accurate without following proper investigation procedures according to the federal law. I call today XX/XX/ and spoke with the supervisor to demand that items that are on my account be deleted because I have never gave Experian any written permissible purpose ( 15 USC 1681b ( a ) ( 1 ) to furnish such accounts and personal information on my consumer report. The supervisor said and I have no right to demand anything to be deleted off my credit report because I said so AND that Experian does not need my written permission to furnish anything on my report. The Supervisor said that this was the law that they did not need any written consent from me. So not only did he said I have no right but he is lying saying that the law says they don't need any written information from the consumer. I know me as the Consumer I have every right to demand what I want furnished on my credit report or not according to the FCRA. They are literally trying to take my rights away WILLFULLY AND ARE IN VIOLATION. 

The abuse on my consumer report was the reason why I was not able to be approved for an Apartment in XXXX, North Carolina called " The XXXX ''. There is evidence from resident verify from the inquiry from Experian. 

Then from my previous CFPB complaint XXXX they wanted additional authorization because they suspected a " third party '' was involved when I already sent in my ID and W2 as confirmation that I am me. As stated from one of your representatives, this is what they respond with when usually they think a credit repair company is acting on the consumer. This is defamation of my character and I do not appreciate that they think I can not act on my own rights and consumer 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 2021-12-04 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Credit card adverting rewards says " Get up to {$25.00} back as statement credits on inflight Wi-Fi purchases '' which suggests it's {$25.00} per flight, which is about how much it costs for most flights. The terms though say it's {$25.00} a year, which barely covers XXXX hours.

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 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: OneMain Finance Corporation
State: DE

Complaint narrative:
ONEMAIN to illegally re-age an account. This could have been cleared up by investigating and keeping accurate records, evidently, not a priority. I never received proof of last payment or payment history, which would have clearly shown the illegal behavior. Your time to correct this account has ceased, REMOVE THIS ITEM IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
( Firstsource Advantage , LLC ) at ( XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) has been calling Me, for the amount of {$0.00}. After I ask multiple times to stop calling, I had to change my phone numbers 2 times so i could stop receiving calls, now they find my new number and they call then hang up. I do not know this company. I have never done any Business with this company. This company does not have a contact with my signature.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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:
On XX/XX/2021 I opened a checking account online with Citibank. The following day XX/XX/2021 I received an email from them that they needed address verification, I submitted that requested info the same day via XXXX as requested through Citibank. On XX/XX/2021 I received and email from Citibank stated my account was opened and I needed to fund the account. So I went ahead and funded the account. I received a debit card via XXXX the following XXXX XXXX. 

I tried using the debit card at the store and my card was denied. I came home and called customer service and they stated that my account has a " block '' on it because their back office has not reviewed the address verification, They asked that I give them another XXXX XXXX. XXXX XXXX had past still didn't have access to my account. So I went into my local branch spoke with the branch XXXX he tried to get this issue resolved but was unable to get the block removed. So at that time we decided to just open me another account an fund the second account. So I did that and then went home called the customer service department as asked to have the close the account that has the block on it. Customer service stated that it will take XXXX XXXX to close that account and they would send me a check with the balance owed to me. 

On XX/XX/2021 I go online to pay bills using the XXXX account and once again my card was denied. I looked up mu account online just to find out they closed the XXXX account emptied all my money. I called the bank they stated it as mistake but was unable to stop the process. That they are processing a check to send me of what was in that account. They do not have a timeline as to when I will receive my money back. 

So now I have an account XXXX XXXX but cant access because of the block on my XXXX account has been closed and my money is being sent me whenever it goes through their processing, I haven't had access to my money for almost a XXXX, I have rent, insurance, bills and XXXX to feed with XXXX access to my money. This is unacceptable! Please help get this issue resolved ASAP.

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 2021-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX, I wrote requesting an investigation into ( XXXX XXXX account number XXXX ) as of XX/XX/XXXX. I have not received a response from the credit bureaus, XXXX, TransUnion, or XXXX. I believe there was INACCURATE reporting of the account XXXX. I have not received a reply or any acknowledgment that an investigation has begun. The credit bureaus are not in compliance with their own policy of 30 days. 

XXXX, TransUnion and XXXX reporting account XXXX as late payments for 90 days for the month of XX/XX/XXXX, with paid as agreed in the previous months XXXX and XX/XX/XXXX, and the current months showing XXXX and XX/XX/XXXX, no data. The account XXXX on the myfedloan.gov website in the account XXXX show no late payments or delinquent or default for account XXXX in the history. I have attached copies for the account XXXX. as proof of inaccuracy.

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 2021-12-04 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: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX, I wrote requesting an investigation into ( XXXX XXXX account number XXXX ) as of XX/XX/XXXX. I have not received a response from the credit bureaus, Equifax, XXXX, or XXXX. I believe there was INACCURATE reporting of the account XXXX. I have not received a reply or any acknowledgment that an investigation has begun. The credit bureaus are not in compliance with their own policy of 30 days. 

Equifax, XXXX and XXXX reporting account XXXX as late payments for 90 days for the month of XX/XX/XXXX, with paid as agreed in the previous months XXXX and XX/XX/XXXX, and the current months showing XXXX and XX/XX/XXXX, no data. The account XXXX on the myfedloan.gov website in the account XXXX show no late payments or delinquent or default for account XXXX in the history. I have attached copies for the account XXXX. as proof of inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: DE

Complaint narrative:
I informed Credit Bureaus that this company was violating the Fair Credit Billing Act by illegally adding fees and yet you did nothing to correct the matter. Had your record-keeping been accurate, proof of the last statement would have revealed such horrendous behavior. You are condoning illegal behavior and credit bureau is willfully in violation of FCRA. REMOVE FROM MY REPORT 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