vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dating back to XXXX 5,2021 after receiving a copy of my consumer credit report at my request after being denied credit by a creditor, I was in complete shock as to how much inaccurate information and the number of discrepancies being reporting between all XXXX of the major Credit Bureaus XXXX XXXX, XXXX, Experian ) within my consumer report. Since then I have mailed in a total of XXXX dispute letters to all three bureaus ( XXXX, XXXX, Experian ) to resolve this matter as it is damaging my character in regards to my financial situation and ability to repay creditors. I have mailed letters both certified and standard postal on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the last being XX/XX/XXXX in regards to solving this matter, however the problem still persist and is ruining my financial reputation. As some unverifiable and inaccurate information have been removed/corrected there are still a number of accounts that have not been verified, updated or deleted by request that is still reporting false and damaging information. The remaining accounts that continues to report false information is ; XXXX XXXX, XXXX XXXX, The Bureaus, XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX The following accounts within each bureau contains discrepancies in regards to the past due balance, rightful owner of the account, payment dates and history, date last active as well as the last payment date. According to the FCRA XXXX XXXX it is the responsibility of the Credit Bureaus to report fair and accurate information within each consumer profile in which they have not done in this particular case. I do understand my rights as a consumer which is why I felt the need to file a complaint with the CFPB as I am not getting anywhere with the reporting agencies and the inaccurate reporting is defamation of character.

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 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
HSBC Bank is the only one bank that never credited me anyhing for the promotion bonus that they promised after I finished all the terms and requirements in XXXX. I even referred my family member to Join their promotion but he didn't receive anything for the promotion bonus that HSBC advertised, either. I had to report this problem to their employees many, many times in the past but HSBC back office never contacted me to return the credit that the bank owed to me. HSBC bank is the only one bank that made me suffer financial loss. I've never had such bad experience with any other banks except HSBC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I purchased a XXXX from a website called XXXX in XXXX to fly from XXXX to XXXX and XXXX to XXXX  on XXXX airlines on XX/XX/XXXX to attend a funeral. I am an American citizen. 
On XX/XX/XXXX, i was stopped from boarding my flt to the XXXX because unbeknownst to me, i had flown XXXX airlines. Even though I did not visit XXXX, i would have required to quarantine in a quarantine hotel for 10 days. Since I was only supposed to be in the XXXX for 6 days i couldn't pay for a quarantine hotel so i was denied boarding. 

I eventually called the airline customer service as requested and i was told i could not rebook my flight because i was a no show at the airport. I told them that is not true that i had been denied boarding. 

I was told to call the travel agency who told me they could only refund my taxes of {$48.00}. I then disputed the charges with affirm for the XXXX way ticket. 

How is it possible that the airline has a policy that denies me boarding and claim that i was a no-show. How is that possible. Affirm ended up siding with the merchant but gave no reasons as to why. They're bigger and more powerful I guess. Now they're threatening to report my account to the credit bureau for being late event though their investigation ended on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have already successfully disputed the inquiries that were recorded on my credit report that were a result of bad faith and identity theft. I am now writing to invoke my specified remedy for the damages done to my life. The damage done to my credit report and XXXX XXXX due to the inquiries that were on my XXXX XXXX hindered my ability to make critical financial decisions for my business, which is the source of my income. The damages that were done directly impacted my health, worsened my anxiety, have taken away my time & energy to fight for my rights as a natural person, and have affected my family relationships due to the financial hardships. The abusive practices of elaborate mechanisms like Experian who assume a vital role in determining my credit standing have been tearing away at my life. It has made living this life a continuous and constant struggle and nobody should have to go through the stress, anxiety, and worry of not having enough to make it each and every month that goes by. The damages done to me are worth much more than my requested {$30000.00} and I could be adding much more to the invoice I have already sent for all the hardship that I was put through as a result of the abuse and deceit, but I will settle with the {$30000.00}. The civil liability sections under the XXXX XXXX XXXX laws that I have added into the letters I have sent protect me as the consumer and hold Experian liable to providing me with monetary remedy for the misrepresentation, abuse, deceit, and damages done.

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 2021-12-14 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:
I sent XXXX a Conditional Acceptance For Value letter on XX/XX/21 they received it priority express by XX/XX/21. per the notarized letter they were to respond via affidavit within 3 days plus 2 days grace, it has been 8 days, they have defaulted with no update or correction to my consumer report. As a consumer the alleged debt should have been removed entirely during the process of validation pursuant to 15 U.S. Code 1681i - ( a ) ( 1a ) Procedure in case of disputed accuracy. They did not validate the debt within given time frame nor update that it was in dispute. The investigation has concluded please delete this erroneous account 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 explanation
Consumer complaint received 2021-12-14 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: AL

Complaint narrative:
XXXX XXXX a collection being reported is not mine. The account belongs to someone else as I have never had a XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2021-12-14 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: AL

Complaint narrative:
XXXX XXXX a collection being reported is not mine. The account belongs to someone else as I have never had a XXXX XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: SECURITY FINANCE CORP
State: TN

Complaint narrative:
There are reports contained in my credit file that are well over ten years old like XXXX XXXX and Security Finance and I need them removed. 
I need to know what I need to do to get this done, so I can begin to work on a fresh start. 
Thank you for your time.

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 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have not use my card since XXXX of 2020 because I had open issues with unemployment that will finally lifted in XXXX no money was supposed to be released to my account but it was I have three emails from US Bank saying unemployment ask them to issue me a new cards this whole time they were blaming me telling me that they have phone call records of me calling and everything up until 3 weeks ago when I showed them the evidence it wasn't me and they're still a problem

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 2021-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I have noticed while reviewing my personal credit reports a collection from IC System reporting a fraudulent account that originated from XXXX Georgia XXXX XXXX. 
I have called and spoken with a representative that did not assist me in resolving this identity theft matter only was interested in collection on this alleged debt. 

I then written IC System on various dates from XX/XX/2021 threw XX/XX/2021 and have not received any responses as to the removal of the XXXX account that is being reported inaccurately which is a violation of my privacy rights.

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 2021-12-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent letters to Experian and XXXX about these false-negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX  is the company that is reporting this to Experian and XXXX. They removed it on XXXX but they were not able to remove it on EXPERIAN and XXXX. This report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
I XXXX XXXX entered a consumer credit transaction with Exeter Finance LLC on XXXX XXXX, 2019. I requested Validation of this debt, and Exeter Finance LLC failed to provide it. This is violation of 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: NV

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: NV

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Over one year ago, I went to my local TD Bank branch location and closed my checking and savings account. When I left that office here in XXXX, Fl, I was assured that the entire account was closed, and there was nothing more that needed to be done. 
Since then, the bank has harrassed me through postal mail insisting that we pay a fee ( {$21.00} ) on a closed account for a " Line of Credit '' which should have been closed at the time when we closed this entire account. 
I have contacted them via phone several months ago and was told that this would be taken care of. Yet, we are still receiving requests for payment and they are now adding interest to it. 
We called today, and the rep told me that there is nothing they can do. 
I made it clear to them that we can not be charged a fee for an account that was closed by their own branch. 
We have no intention of being extorted for this amount. 
Any help you can provide to deal with this ridiculous power play by a big bank would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I contacted creditor and requested assistance given covid related health setback. Creditor refused to offer any XXXX deferral / forbearance option- they merely offered an {$8000.00} lump sum settlement payment. 

On XX/XX/2021, I received an email, again requesting I contact creditor, to discuss payment assistance options, no such options were provided. The creditor refused to discuss the matter and hung up the call. 

I have remained current on all credit obligations prior to my illness, this is the only XXXX company who I contacted that conduct themselves, as the XXXX XXXX XXXX that benefit always at the public 's expense, whenever their insatiable appetite leads the country to the brink of ruination. 

These XXXX have ruined my credit, and caused me 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 2021-12-14 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: CA

Complaint narrative:
I initiated a dispute with Equifax that was allegedly verified by Equifax. Upon receiving notice of the investigation, I requested the method used to verify the information according to the Fair Credit Reporting Act and have not received a response from Equifax whom is also continuing to publish the information in my consumer report. It has been more than XXXX business days since the request was received by Equifax and they are now in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
it has been over 30 days since I sent in my mail disputes to Equifax letter attached in the box below I have submitted a notarized Identity Theft affidavit to XXXX and they have not removed the inquires. They are in violation of the FCRA 609 ( a ) ( 1 ) ( A ) and countless other VIOLATIONS of the FCRA such as PERMISSIBLE PURPOSE. 

I am seeking financial damages as I was denied credit due to incorrect reporting on my account after I disputed Several times. 

I also called today 3 times and got disconnected. 

1st rep said they got my documents but it hasn't been processed. they will remove 2nd rep said the same thing. 
3 rep couldnt transfer me to the correct department even thought I have a receipt of faxed info and verification of that was said on a recorded line that I have submitted correct docs and has been processing. 

None of the unauthorized inquires have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: Reliable Credit Association, Inc.
State: KS

Complaint narrative:
Reliable credit ( amount : XXXX original approx amount XXXX ) reported a loan as an auto loan when it is not. They are reporting a repossession when there is no vehicle bought with this loan. The loan was for tires purchase for a financed vehicle through them. That means they are reporting two repossessions for the same exact vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation