vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I spoke with a representative XX/XX/2021 at Citibank about my closed credit card. The agent assured me because of my account being closed the only reporting to the credit bureau will be my balance total. According to the three major credit bureau I am now showing a late payment in XXXX. If this is correct procedure I was ill advised and suffer a blemish on my exceptional payment history due to Citibank 's staff negligence. This needs to be corrected 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 2021-08-30 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: NJ

Complaint narrative:
In accordance with 15 USC 1681a ( 2 ) ( b ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '', should be excluded from a consumer report. The definition of a credit card 15 USC 1681 is the same as it is under 15 USC 1602 ( i ) in which the the term " credit card '' means " any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Congress states any card. My credit card ( social security card ) was used to originate every consumer transaction below. They should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am demanding you remove these transaction from my consumer report within three ( 3 ) days as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

I have included identifying documentation, exhibits and police report documenting the due diligence taken on behalf of myself to avoid litigation with your firm for being complicit in this fraud.

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 2021-08-30 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: NJ

Complaint narrative:
In accordance with 15 USC 1681a ( 2 ) ( b ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '', should be excluded from a consumer report. The definition of a credit card 15 USC 1681 is the same as it is under 15 USC 1602 ( i ) in which the the term " credit card '' means " any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Congress states any card. My credit card ( social security card ) was used to originate every consumer transaction below. They should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am demanding you remove these transaction from my consumer report within three ( 3 ) days as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

I have included identifying documentation, exhibits and police report documenting the due diligence taken on behalf of myself to avoid litigation with your firm for being complicit in this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: NY

Complaint narrative:
On XX/XX/2020 I settled a debt with XXXX, I recached an agreement with collector ( XXXX ) stating as follows, once my debit was payed a letter was sent out to the three credit bureau reporting agencies XXXX, Transunion and XXXX  advising them to take off any remarks relating to this debit. I have tired to reach the credit bureau 's to discuss there role in upholding the decision made by XXXX but i have not been able to secure that decision. I have the necessary documents proving that an agreement was made between me and XXXX to have any remarks regrading this debit to be completely removed from all of my three my credit files.

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 2021-08-30 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: NY

Complaint narrative:
On XX/XX/2020 I settled a debt with XXXX, I recached an agreement with collector ( XXXX ) stating as follows, once my debit was payed a letter was sent out to the three credit bureau reporting agencies XXXX, XXXX  and Equifax advising them to take off any remarks relating to this debit. I have tired to reach the credit bureau 's to discuss there role in upholding the decision made by XXXX but i have not been able to secure that decision. I have the necessary documents proving that an agreement was made between me and XXXX to have any remarks regrading this debit to be completely removed from all of my three my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: PA

Complaint narrative:
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 Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX-XXXX-Balance {$590.00} XXXX/XXXX-XXXX-Balance {$0.00} XXXX/XXXX-XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am filing a complaint against NAVY FCU because they are attempting to collect a debt that I do not owe them. Account Name : NAVY FCU, Account Number : XXXX, XXXX I would like for NAVY FCU to show proof of verification that I owe them {$42000.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.

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 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
My wife and I resided at XXXX XXXX XXXX  between XXXX & XXXX. Shortly after moving in we started getting charged with all these hidden fees like paying a monthly charge for a garage that we didn't have and didn't exsit. We were being evicted and we went to court. We had already found a place and was scheduled to move in XX/XX/XXXX. Before hearing our case the Judge had us talk to XXXX XXXX lawyer to see if we could reach an agreement. We agreed to pay the last two months rent we old and court cost. After we moved XXXX XXXX sent us this rediculous itamized bill for well over {$9000.00} and turned it over to collections National Credit Systems. I disputed the charges with XXXX  credit bureau and won the dispute. Now National Credit System has been sending me threating letters saying they're authorized to settle for half the {$9000.00} or they gon na send it back to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/21 I went to purchase a vehicle from XXXX. I lifted a freeze from my credit report in order to do so. XXXX XXXX XXXX was able to access my credit report but because of an extended fraud alert on my report they needed to verify that it was me who was indeed trying to get credit. Experian was unable to provide correct credentials to the bank so the bank stopped the process of the request. 

Experian website does not work as intended. It is a bundle of frustration. Does not allow login, would not allow getting a credit report, would not allow communication. In this time and age everything happens within seconds, Experian is forcing me to contact them via mailbox. There is no email, no chat, no live person on phone i can contact. I resent the fact that it is not of my own choosing but they affect my financial affairs and very incompetently at that. I wish I could just choose not to have anything to do with experian. 

My sentiments reflect that of millions. This is late stage capitalism at best.

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 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I received a debt collection from Professional Debt Mediation for {$310.00} by an electric company called XXXX XXXX XXXX on XX/XX/2022. Ive never opened an account with them, they are based in XXXX. Ive tried disputing this twice now. Ive filed a police report, Ive called the credit bureau multiple times, and the electric company wont do anything. It also came to another credit bureau called XXXX XXXX XXXX and it got cleared. I am wondering why the other credit bureau is not moving this process along.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
To whom it may concern, Santander is reporting misinformation on my credit report, The account is resolved but it comes up on the XXXX  database when I am trying to purchase a vehicle. Attached is what I can see on my XXXX XXXX. As you know their have over six thousand complaints in your database with these types of discrepancies amongst other lawsuits and the like attached are supporting documents Thanks For your diligence in the matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30 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 2021-08-30 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: TX

Complaint narrative:
A phone call, letter and email was sent to XXXX XXXX to correct a reporting error. XXXX reported to the credit bureaus the wrong balance information causing me to lose valuable point and credit worthiness. 
XXXX XXXX reported that my XXXX ending balance was XXXX plus dollars when it was actually XXXX dollars. Please see attached. As of this date, the problem has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: TX

Complaint narrative:
A phone call, letter and email was sent to XXXX XXXX to correct a reporting error. XXXX reported to the credit bureaus the wrong balance information causing me to lose valuable point and credit worthiness. 
XXXX XXXX reported that my XXXX ending balance was XXXX plus dollars when it was actually XXXX dollars. Please see attached. As of this date, the problem has not been corrected.

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 2021-08-30 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: TX

Complaint narrative:
This is a formal complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: AES/PHEAA
State: VA

Complaint narrative:
My student loan account with AES/XXXX  was opened on XXXX XXXX and the account became active for repayment on XX/XX/XXXX. 

The account is closed and was paid in full on XX/XX/XXXX. This bank has been inconsistent in their reporting of this account, particularly by reporting it in good standing only after I filed a dispute and even then, they only updated 1 of the 2 credit bureaus with the accurate information. There are several months over several years where the data for payment and other account information has been reported as 'Unknown ' or not at all. 

Further, the first date of delinquency on this account was XX/XX/XXXX which is over 7 years ago yet this bank has failed to remove this account from the credit bureaus. All three credit bureaus have stated to me that the accounts should be removed. I contacted this bank, both by phone and mail, requesting that they update my credit reports. Instead of removing the accounts, they cherry pick a payment date and confirm it, keeping the accounts on the credit file. I spoke with this bank today, XX/XX/XXXX, and they attempted to do the same thing. 

They have failed to take the appropriate and lawful action to correct my credit profile. I have suffered as a result of this negligence in higher interest rates and credit denial. As a statement of fact, I have 13 other accounts on my credit file, all with exceptional payment histories. AES/XXXX  is the only adverse account on my credit file. This bank has been so negligent in their reporting that they reported the status of my payment for XXXX and XX/XX/XXXX as OK but then reported the status of my account for XX/XX/XXXX as 90 days past due. How is it possible to be 90 days past due in a month where the previous two months were reported as OK/Paid? This is but one example of the gross negligence of AES/XXXX  regarding my account. 

This gross negligence and neglect to my account in the credit bureaus appears to have been intentional as I have made this known to this bank numerous times. I am requesting that this account be removed from all three credit bureaus immediately and not reported to them again, as it has been over 7 years since the first date of reported delinquency. My next step will be to take legal action. I am also reporting this matter to the State Attorney General 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the FCRA it is unlawful to report unauthorized inquiries on my credit report therefore i ask that the following inquiries 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 explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I purchased the XXXX Hyundai  I was leasing from Hyundai Finance They received my check on XX/XX/XXXX {$10.00}, XXXX I waited for the title to be sent and I called XX/XX/XXXX and was told they needed an odometer reading < I was never told that I received the form and faxed it 4 times and emailed once. They keep claiming they never received it I have fax verifications I even emailed the dealership XXXX  Hyundai ( they do not answer the phone ) no response I am at the end of my rope I do not know what else to do

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 2021-08-30 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: NY

Complaint narrative:
On XX/XX/2020 I settled a debt with XXXX, I recached an agreement with collector ( XXXX ) stating as follows, once my debit was payed a letter was sent out to the three credit bureau reporting agencies Experian, XXXX  and XXXX  advising them to take off any remarks relating to this debit. I have tired to reach the credit bureau 's to discuss there role in upholding the decision made by XXXX but i have not been able to secure that decision. I have the necessary documents proving that an agreement was made between me and XXXX to have any remarks regrading this debit to be completely removed from all of my three my credit files.

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 2021-08-30 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have these accouts that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft SYNCB/PCRICH Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX/XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-08-30 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have these accouts that are not mine and i want them to be removed. 

1. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft TD XXXX/RAYMOUR & FLA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation