vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
XX/XX/2023 I talked with a representative of Citi Credit card. Even though they caused this situation she was very resistant to making things correct on the statements. " I'm on your side, here to help '' she said. She had not even looked at the account, she was responding to my claim from the Consumer Protection Bureau. Still they are not admitting to their poor performance by placing the payments in the wrong account! This was plainly denoted on the payment/check information area, she continued to blame me. She had to look at something and call me back, not having reviewed the situation beforehand. She said " but but they put it into another account of yours and you cashed the refund check ''. Yes that account XXXX is frozen at this time with a XXXX balance and for goodness sake don't you understand it was not the correct account-so it looks as if I didn't make payments into XXXX. I emailed and called right away after recieving that check from them but no one would help me. '' However she finally did remove some of the late fee 's after a lot of back and forth. And there would not be any finance fee 's either if they had processed the payments correctly. As the way they split the payment on the items we purchased, it delayed payment to both. Their software is charging me late fees after I make an electronic payment. This is a small account, they wipe away fraud of huge amounts daily and I was getting ignored, the run around, and escalating late fee 's. Where are the banking regulators and the credit card oversight? I don't recommend using Best Buy Citi card at all. Customer Service there is non exisistant and ONLY happened when I registered my claim with CFPB.

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 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Not card # in this report, unknown new card #. Bank of America approved credit under my name, checked my credit report from Texas but approved travel credit card for someone in XXXX MA, I live in Texas, yet emailed to me in Texas at my existing address. I've had an account with Bank account with them for 30 years. Got notice of application, contacted Bank of Am on a lengthy call, they denied that an application was pending. 2 weeks later, got notice that a credit card was being mailed, called again, after a lengthy call, Got fraud control dept. They validated that a new account in my name was opened. They used my credit report from a Texas address to approve a credit card in my name to XXXX MA. This is unacceptable and sloppy bamking, it has caused me horrible stress, and it has been grossly time consuming trying to resolve.

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 2023-03-24 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: Atlanticus Services Corporation
State: MI

Complaint narrative:
I made a final payment 2021 to fortiva. They are still reporting to the credit bureau that the account is delinquent/derogatory. I have sent letters but nothing has changed nor a response.

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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my two kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me XXXX is ignoring me and XXXX its been 5 months nothing done still

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my two kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me XXXX is ignoring me and Experian its been 5 months nothing done still

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 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
Portfolio Recovery keeps calling after I specifically requested a written validation of the debt. I requested that they not call me any further until I have written validation sent to me. They called me on XX/XX/XXXX and I requested the written validation of the debt and for them to cease calling until that time. They called me again XX/XX/2023 from a number that is verified to be from Portfolio Recovery. I want the calls to stop and them to honor the FCRA. I do have the call recorded when I requested them to validate it. I will attempt to attach it here

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
My credit reports show the agencies are reporting a bankruptcy with inaccurate information wrong dates and filings that appears under my name the account is outside of the bankruptcy when should be included in the filling the courts have confirmed they have given no agency the right to post this information in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Due to repeated identity theft issues, I have a credit freeze on my credit. On XX/XX/2023 I unfroze the freeze to apply for a fuel savings card. On XX/XX/2023 I re-instated the credit freeze. Somewhere in the XXXX time period an individual impersonating me opened an account at XXXX XXXX XXXX XXXX XXXX. We have XXXX, XXXX protection, we reported the issue as NOT ME. We were leaving for a trip at the time and did not follow up on this issue. On Thursday, XX/XX/2023, I received an e-mail and phone call from XXXX XXXX about this issue. I contacted Equifax, then contacted the XXXX XXXX XXXX XXXX and obtained the account # that is attached to my name and social security number. 
XXXX XXXX has been in contact with me several times, and instructed me to file a police report on this issue. My local police department, does not accept identity theft reports, and I was directed to file with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts on my credit report are causing me severe problems in trying to purchase a home. 

I already reached out to XXXX, Transunion, and XXXX. I will attach the letter I wrote to them.

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 2023-03-24 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: MD

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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 2023-03-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: MI

Complaint narrative:
I made final payment to XXXX XXXX XXXX. They still continuing to report the account as delinquent/derogatory. I have sent letters to correct it but no changes was made.

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 2023-03-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I made final payment to XXXX XXXX XXXX. They still continuing to report the account as delinquent/derogatory. I have sent letters to correct it but no changes was made.

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 2023-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PLAZA HOME MORTGAGE, INC.
State: NC

Complaint narrative:
The company provided an incorrect 1098 tax form that does not reflect the points paid down at the time of purchase. I contacted the company about getting a corrected form. They first said they needed 48 hours to investigate and would contact me. After a week of not hearing back from them, I reached out, and they informed me the original company would have to provide a 1098 with that information, since they took over the loan. The deal was done in XXXX. The first payment went to this company in XXXX. Regardless, the 1098 should reflect points paid. They never contacted me with this info, and I don't believe they ever intended to. This has delayed the completion of my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have made several attempts to correct this issue over the past few years. I last spoke with XXXX and Transunion on XX/XX/2023 regarding a charge off account with XXXX in the amount of {$0.00} I have been informed by this company to contact XXXX and TransUnion regarding this issue XXXX There has not been any resolve and this account is not accurately being verified as well as being reported incorrectly. Also, my personal information was not correct when I called to discuss this account. The credit bureaus corrected my person information, but did not remove this account. This account is also reporting as a collection on my XXXX report, so the same account is reporting twice. The name of the collection company is XXXX XXXX XXXX and the collection amount is {$3200.00} I would have had to give consent to the company to sell this account to a collection agency. I have not given any consent to do so as this account does not belong to me. This is not factual information that is reporting.

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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
US BKPT CT UT XXXX XXXX  XXXX XXXX XXXX XXXXUS BKPT CT UT XXXX XXXX  XXXX XXXX XXXX XXXXUS BKPT CT UT XXXX XXXX XXXX XXXX XX/XX/XXXX US BKPT CT UT XXXX XXXX  XXXX XXXX XX/XX/XXXX US BKPT CT UT XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX The reporting of these accounts ( s ) is/are violations of 15 USC 1681a, the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( B ) : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of s specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ). credit card is defined as the following : 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. This makes my social security card, drivers license ID, and license plate credit cards the extension of credit.

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 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ADP Inc.
State: CA

Complaint narrative:
Good afternoon, I have a collection with XXXX XXXX XXXX of amount : {$92000.00} There is a settlement for the amount of {$23000.00} for the next 4 months with our first payment on XX/XX/23. 

I spoke and emailed our account agent XXXX XXXX and explain to him that we are having financial difficulties and if we came make another arrangement that can fit our financial situation as this is our first arrangement plan and he simply didn't want to hear it and just said no and he will escalate to suing us, i ask to speak to a manager. I also spoke to a XXXX XXXX XXXX it was the same situation to the point of both of them yelling at me, not hearing my situation. Like I mention, I know we owe this debt we want to start paying it, but we are having a hardship to where is preventing to keep this settlement going. If you can please speak to them on my behalf to rearrange this settlement. I will be wiring the amount of {$23000.00} on XX/XX/23 because I don't want any legal issues as they kept threating me with. I just want to rearrange the payments that fits with my company. 

Thank you! 
XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I made a final payment with credit acceptance XX/XX/2020. They are still reporting as a delinquent/derogatory.

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 2023-03-24 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Santander Bank Auto Loan In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. Under 15 U.S.C. 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written consent. Under 15 U.S.C. 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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