vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-06 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: TX

Complaint narrative:
XX/XX/2021 I submitted a credit dispute to Equifax due to a negative line of credit from XXXX XXXX in the amount of {$11000.00} due to an auto repo. I exercised my right under the FCRA rule 611 ( a ) ( 6 ) ( Biii ) which states that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shell be provided to the consumer by the credit reporting agency. 
On XX/XX/XXXX, i received in the mail a generic computer generated response stating that the account had been verified as accurate. 
To make matters worse, the same account appeared double on my credit credit file. first account # XXXXand second account # XXXX with the last two digits of the original account number missing. Which unfairly brought my credit score down even further. 
The credit reporting agency mandates that a debt collector must delete their reported collection if account has been tampered with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I opened an advance checking account with HSBC on XXXX XX/XX/2021. 
I followed the link in the marketing landing page for a {$200.00} welcome bonus after certain requirements were met. I made a print out of the page which I used to apply for the account ( attached ). 
Met all of the requirements and the bonus was supposed to post on XX/XX/XXXX. 
I messaged HSBC via online messaging on XX/XX/XXXX to ask why it had not posted and they say I did not follow the correct link to apply for the account. I believe they have made an error as I applied via the " Apply now '' link in the offers landing page.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: NC

Complaint narrative:
I sent Statewide a DEBT VALIDATION letter and a cease and desist letter. I believe this ACCOUNT TO BE FRAUDULENT. I am a VICTIM OF AGGRAVATED IDENTITY THEFT. this was furnished on my credit report WITHOUT 5 DAY NOTIFICATION OF DEBT, not giving me the opportunity to validate it. 
XXXX signed the return receipt attached and has not responded to any of the requests. It has BEEN OVER 60 DAYS. I demand that XXXX remove this fraudulent account from my credit file and XXXX  out this balance. 
TransUnion is apart of this AGGRAVATED IDENTITY THEFT because the reported the FRAUDULENT ACCOUNT which is also UNAUTHORIZED USE of my social security number.

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 2021-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I notified the bureau 's that there has been some accounts and inquiries reporting on my credit report that is the result of identity theft. To protect my credit from any further damage I sent a request to remove some addresses that I don't recognize and I have never resided. As of today XX/XX/2021 these fraudulent addresses remain on my credit report. Please see attached addresses to be removed.

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 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
Genesis card services has called me from so many different numbers, they will call repeatedly up to 11 times PER DAY, as well as calling BEFORE XXXX, or AFTER XXXX. Some of the numbers they have used to call me include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and those are all phone numbers Genesis Card Services has repeatedly called me from just in the last 4 weeks. They will also call back to back, sometimes even 3 times in a row, they have filled my voicemail several times with long messages that are silent and no one is talking, I absolutely can't stand being harassed like this anymore. Please help me and make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I just began monitoring my credit report as of XX/XX/. I received an alert on XX/XX/XXXX that a negative mark for XXXX all of a suddenly was put onto my report from midland credit management, then i immediately called to find out. I spoke with a agent and was told to file a police report due to me never owning the account and having no knowledge of it then it would be removed. Ive placed a fraud alert on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: NJ

Complaint narrative:
My address information I had been living in XXXX XXXX XXXX XXXX NJ for 15 years.Between XXXX to XXXX. 
Also a lot soft inquiries that NEVER happened : All XXXX XXXX All XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All XXXX Make no sense.. I am really careful about no make any extra damage applications

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 2021-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My address information I had been living in XXXX XXXX XXXX XXXX NJ for 15 years.Between XXXX to XXXX. 
Also a lot soft inquiries that NEVER happened : All XXXX XXXX All capital one auto financial XXXX XXXX XXXXXXXX XX/XX/XXXX All XXXX  Make no sense.. I am really careful about no make any extra damage applications

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: Independence Capital Recovery, LLC
State: FL

Complaint narrative:
In my situation, I have a satisfaction letter from a debt collection agency that was given to me. I have taken this and disputed all 3 credit reporting agencies. The results of their investigation has been unchanged and updated. I am trying to resolve a closed account under my credit report that is stating as a Charge Off/Collection from a repo and it needs to be changed to a settled debt. I have contacted all 3 parties and their managers of credit bureaus, XXXX XXXX ( original auto loan lien holder ) and Independence Capital Recovery which is formerly known as XXXX XXXX XXXX XXXX ( debt collection agency who purchased the debt ) to see what they can do. They all give me the runaround saying that there is nothing they can do to update my report. Here is my satisfaction letter attached to this complaint. I settled the account for less than the full amount of {$1500.00} for it to be closed. 

When I have spoken to XXXX XXXX, and XXXX  's dispute center over the phone their response for the unchanged status of that closed account is that they are only a reporting agency and that they have received a satisfaction letter but give this information to XXXX XXXX to verify. They said to contact XXXX. I have contacted XXXX and spoken to a supervisor over the phone named XXXX XXXX and she advised that there was nothing she can do as once the debt has been charged off and sold to another lender they wipe their hands clean with it essentially. As I contact the general manager XXXX of Independence Capital Recovery through his direct phone number he says that this scenario has never happened to him and that they do not report to the credit bureaus. He say 's " he acknowledges the debt has been settled as he knows i have the satisfaction letter but there was nothing he can do and to then further contact the bureaus again. 

The status under these accounts still are under Charge-off/collections and not settled. At the time all of these parties were contacted were the date of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: CT

Complaint narrative:
TRANSUNION IN ITS CONTINUOS VIOLATION OF MY GUARANTEED RIGHTS UNDER THE FCRA GUIDELINES HAS REFUSED TO REMOVE A STATEMENT FROM MY CREDIT REPORT WHICH IS UNAUTHORIZED BY ME EVEN AFTER SEVERAL REQUESTS BY MYSELF FOR THIS UNAUTHORIZED STATEMENT TO BE REMOVED BY TRANSUNION. THE STATE IS STATE AS FOLLOWS " Data Source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ). '' I DEMAND THIS STATEMENT BE IMMEDIATELY REMOVED FROM MY CONSUMER CREDIT PROFILE IMMEDIATELY. attached is a copy of my credit report and a screen short of the part in question highlighted

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 2021-09-06 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: IL

Complaint narrative:
I recently checked my credit report and noticed a fraudulent account opened with XXXX that was removed from my XXXX  Report on XX/XX/2021. According to FCRA my consumer rights has been violated. Since the deletion, XXXX  and Equifax has double reported and allowed this fraudulent account to re-appear on my credit report after being removed. I am demanding immediate deletion of this fraudulent XXXX Account as soon as possible. This fraudulent account is effecting my credit integrity and must be removed. FTC report is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
Citi bank announced offer of XXXX $ bonus for opening city priority package earlier this year ( as I did in XXXX of XXXX  ) with XXXX thousands dollars as a requirement to be deposited first 30 days and to be kept there for following 60 days to be able to receive this bonus after 120 days of Citi priority package and keep account opened for 6 months straight. 
I met all those requirements but when called city 6 months later after XXXX  XXXX to ask where is my bonus of XXXX $ was told that I was not qualified as when I was doing that online application there was some glitch in system that didnt apply the code correctly. 
I explained to them that the same month when I opened City priority and transferred money to that checking and savings account I called bank ( end of XXXX ) and specifically asked representative if code was posted correctly and I was qualified for receiving bonus the response was YES. 

Bank need to stick to their announced promises, not to give false and fraudulent promises to the customers while utilizing their money for their own benefits. 
If one banker said all requirements were met to get a bonus, the other banker several months later should not say contrary. They need to be in the same page. The glitch of the system is a vague and poor excuse not to pay bonus to the client after they use your money for 6 months straight!!!! Citi Fraud alert!

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 2021-09-06 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: CT

Complaint narrative:
TRANSUNION IN ITS CONTINUOS VIOLATION OF MY GUARANTEED RIGHTS UNDER THE FCRA GUIDELINES HAS REFUSED TO REMOVE A STATEMENT FROM MY CREDIT REPORT WHICH IS UNAUTHORIZED BY ME EVEN AFTER SEVERAL REQUESTS BY MYSELF FOR THIS UNAUTHORIZED STATEMENT TO BE REMOVED BY TRANSUNION. THE STATEMENT IS STATE AS FOLLOWS " Special Messages The following Special Messages may be provided to an authorized party when it makes an inquiry into your TransUnion credit report. These messages provide important details concerning the information contained in your file and/or the authorized partys inquiry. 

INPUT SSN LIKELY NOT ISSUED PRIOR TO XX/XX/2011 '' I DEMAND THIS STATEMENT BE IMMEDIATELY REMOVED FROM MY CONSUMER CREDIT PROFILE IMMEDIATELY. attached is a copy of my credit report and a screen short of the part in question

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 2021-09-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Key 2 Recovery, Inc.
State: MI

Complaint narrative:
Im receiving an collection notice from Key 2 Recovery. This debt was proven to be a fraudulent loan taken out by someone that stole my identity. I received clearance notices from the loan company ( XXXX ) and the Department of Education. This debt was proven to be fraudulent, now Im being harassed by debt collectors representing the college I never attended. XXXX XXXX XXXX.for XXXX. This is a proven fraudulent case. Im still being harassed after almost 6 years. Please help. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Details and screenshots of evidence are in the attached documents. ( emails to SunTrust with clear description of the problem and requests ) In short : A $ XXXX payment to get up to date on payments after my forbearance period ended in XXXX was not appropriately applied. 
As result, my balance did not show correctly. Several attempts to have this corrected went unanswered. 
After many long calls, changes were made to my account, however resulting in wrong payment applications again. 
SunTrust claims I did not pay my XXXX payment, even though it shows paid in time in full on their own systems ( online account ) and has been deducted from my bank. 
So I had to pay XXXX twice. This $ XXXX payment has not been fully applied to my account Several requests, in writing, have been ignored. They are not making any efforts to truly resolve this. 
Many other smaller issues in addition, but this is a summary. 
I have records of every account statement, email sent, phone calls and errors made by SunTrust.

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 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In my situation, I have a satisfaction letter from a debt collection agency that was given to me. I have taken this and disputed all 3 credit reporting agencies. The results of their investigation has been unchanged and updated. I am trying to resolve a closed account under my credit report that is stating as a Charge Off/Collection from a repo and it needs to be changed to a settled debt. I have contacted all 3 parties and their managers of credit bureaus, XXXX XXXX ( original auto loan lien holder ) and XXXX XXXX XXXX which is formerly known as XXXX XXXX XXXX XXXX ( debt collection agency who purchased the debt ) to see what they can do. They all give me the runaround saying that there is nothing they can do to update my report. Here is my satisfaction letter attached to this complaint. I settled the account for less than the full amount of {$1500.00} for it to be closed. 

When I have spoken to XXXX XXXX, and XXXX  's dispute center over the phone their response for the unchanged status of that closed account is that they are only a reporting agency and that they have received a satisfaction letter but give this information to XXXX XXXX to verify. They said to contact XXXX. I have contacted XXXX and spoken to a supervisor over the phone named XXXX XXXX and she advised that there was nothing she can do as once the debt has been charged off and sold to another lender they wipe their hands clean with it essentially. As I contact the general manager XXXX of XXXX XXXX XXXX through his direct phone number he says that this scenario has never happened to him and that they do not report to the credit bureaus. He say 's " he acknowledges the debt has been settled as he knows i have the satisfaction letter but there was nothing he can do and to then further contact the bureaus again. 

The status under these accounts still are under Charge-off/collections and not settled. At the time all of these parties were contacted were the date of 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