vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 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: FL

Complaint narrative:
I have been a victim of identity theft and I have submitted all required documents to XXXX and Equifax but none of them have removed the fraudulent accounts from my report EVEN when creditors have acknowledged the Identity theft situation, I have contacted XXXX  XXXX XXXX in regards of the account XXXX being reported in my credit and they do recognize that said account doesn't have my social security number, neither my zip code nor address, only my name, but that account is still being reported to my credit by Equifax. In the case of XXXX reporting on XXXX and XXXX XXXX, those accounts are consequences of identity theft, XXXX is reporting that account with another person and they do not delete that information from my report on both XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom this may concern, on XXXX, XXXX I sent In dispute letters to all three credit bureau 's XXXX, Transunion, and XXXX stating the inaccuracies that are reporting on my consumer report referenced from the FCRA & consumer laws asking them to remove the inaccuracies and to send me a updated report with the correction made. I never received the updated credit report/consumer report with the corrections and the inaccuracies are still reporting inaccurate on my consumer report. 
According to the FCRA everything on the consumer report should be factual and accurate across all bureaus and that is not the case as of today XX/XX/2023. I feel like I'm being mistreated and bullied of my rights as an American citizen as these inaccuracies are still reporting. I'm being hinder from financing from banks and lenders, as well as unable to secure a job to take care of my family of XXXX all under XXXX. As hard as it is already being a single XXXX XXXX XXXX XXXX in America these inaccuracies on my credit report is a barrier from achieving success, securing a job and taking care of my family. I need immediate help to fix this 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 2023-02-21 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: TX

Complaint narrative:
To whom this may concern, on XXXX, XXXX I sent In dispute letters to all three credit bureau 's XXXX, XXXX, and Experian stating the inaccuracies that are reporting on my consumer report referenced from the FCRA & consumer laws asking them to remove the inaccuracies and to send me a updated report with the correction made. I never received the updated credit report/consumer report with the corrections and the inaccuracies are still reporting inaccurate on my consumer report. 
According to the FCRA everything on the consumer report should be factual and accurate across all bureaus and that is not the case as of today XX/XX/2023. I feel like I'm being mistreated and bullied of my rights as an American citizen as these inaccuracies are still reporting. I'm being hinder from financing from banks and lenders, as well as unable to secure a job to take care of my family of XXXX all under XXXX. As hard as it is already being a single XXXX XXXX XXXX XXXX in America these inaccuracies on my credit report is a barrier from achieving success, securing a job and taking care of my family. I need immediate help to fix this 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 explanation
Consumer complaint received 2023-02-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX I applied for Bank of America Platinum plus Mastercard XXXX XXXX I was denied and sent an adverse action letter stating why I was denied on the public side which is credit score, Bank of America underwriter or their selling Agent as they us in Security agreement with the SEC never explained to me what factors they use to make their decisions based on law. The Application is a promissory note and turn into cash or notes one deposit pursuant to 12 usc 1813L ( 1 ) which your selling agent agreed to purchase in your security agreements with the SEC XXXX XXXX the promissory note is also a security pursuant to XXXX XXXX XXXX, which also should have been the collateral for the amount of the platinum plus master card pursuant to 7 cfr 4279.202, the security belongs to me and as the holder in due I have a right to my security pursuant to 3-309 of the UCC Bank of America had a fiduciary duties and have denied to do any of them which is a breach of fiduciary duties 17 cfr 205.2, which is also a result of securities fraud pursuant to 17 cfr 240.10b-5 for taking my security which is the Application and not granting me credit 12 cfr 1002.2 ( c ) ( 1 ) Bank of America and it Trustees are in violation of sections 29 of the federal reserve act failure to send me a card would result in a complaint to the OCC, SEC, FEDERAL COURT since all security is automatically a federal Court case, please have only competent employees to look at this complaint or the CFO XXXX XXXX XXXX to

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have received letters/emails from several companies stating that they have denied my application.

1. XXXX XXXX XXXX XXXX for XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
2XXXX XXXX XXXXXXXX for XXXX XXXX XXXX XXXX XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
3. XXXX XXXX, XXXX, XXXX XXXX dated XX/XX/XXXX email. 
4. XXXX dated XX/XX/XXXX email. 
5. XXXX XX/XX/XXXX email. 

I have notified all of these companies as FRAUD. These have all be denied or cancelled. The one for XXXX XXXXXXXX was a Hard inquiry through Experian. They also have been notfied. I have changed most all of my passwords for various accounts.

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 2023-02-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/2023 Dear XXXX, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX : {$420.00} Account # XXXX Party Owed : XXXX XXXX  Amount : {$2600.00} Account # XXXX Party Owed : XXXX XXXX XXXX XXXX : {$500.00} Account # XXXX Party Owed : XXXX XXXX XXXX XXXX : {$360.00} Account # XXXX Party Owed : XXXX XXXX Amount : {$240.00} Account # XXXX Party Owed : XXXX XXXX XXXX Amount : {$500.00} Account # XXXX I am disputing this claim due to : I Have No Knowledge Of This Account. It Is Fraudulent And I Am Requesting That It Be Removed Immediately. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim. Sincerely,

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 2023-02-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX, XXXX and XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00},

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 2023-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OR

Complaint narrative:
Firstmark Services has blocked my phone number and will not respond to my emails after asking for a settlement. I called them 32 times where they hung up on me every time. I found out today that they blocked both my e-mail address and phone number. I have no way of getting in contact with them and don't know how to proceed with the settlement offer or even how to pay them. I would like to be able to call them to talk about my settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: GA

Complaint narrative:
On XX/XX/2022 I filed a complaint with CFPB for identity theft with all three credit bureaus. ( see attachment ) and then sent a handwritten dispute on XX/XX/2022 to all three credit bureaus stating the same. After their investigation, Transunion deleted XXXX XXXX ( account number XXXX ) however, XXXX and XXXX elected to leave it on my credit file. ( PLEASE DELETE THE ACCOUNT ) They stated that it was verified as accurate. How did XXXX and XXXX verify the account as accurate? First and foremost I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Secondly, if all three bureaus did their due diligence in investigating the dispute they would have deleted all the accounts in question. TranUnion stated that XXXX XXXX XXXX ( account number XXXX amount {$6500.00} ), ( account number XXXX amount {$1700.00} ), and ( account number XXXX amount {$250.00} ) were verified as accurate. How so when the date of the last payment doesn't match with XXXX 's reports ( see attachment ) whom also stated the accounts were accurate and verified. The Information reporting has to be 100 % accurate. So if an investigation was completed then all credit bureaus should be reporting the same information but they are not! After XXXX 's investigation, they stated that the accounts XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX were verified as accurate and modified. If the investigation took place why are there discrepancies in my credit file? XXXX has also reported that payments were made in the last 3 months on the charged-off accounts. ( SEE ATTACHMENTS ) This is unacceptable. All three bureaus are in violation of my consumer rights and I just wish they'd do what's fair and equitable to me as the consumer by deleting the items. It's their obligation to make sure that the information reporting is accurate and relevant and they've failed to do so.

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 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a credit card with Citi Bank South Dakota and I called to find out why my payment was so high. I am seven days late with my payment. I ask the representative to explain to me why my payment was so high. I was informed that the bank charged me two times with two different interests for one month. My understanding is that the interest is high, 1st interest rate is XXXX dollars and some change and the 2nd interest rate was XXXX dollars for one month and a late fee of XXXX dollars. The representative told me that I was charged twice for being late. I told the representative that they could not do that, but insisted that it was correct. I told the bank representative that was not right. I understand being charged once for the month, but twice, I don't think that is fair, and I told the representative three times they couldn't do that. In the pamphlet, it doesn't state anywhere that you would be charged twice in one month for being late. I got choked and had to hang up the phone. I have been with Citi Bank since 2018 and the first time I have been late on my payment. Thank you for the time to help with this complaint.

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 2023-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit Acceptance denied me credit after running my social security number. They are in violation of the Equal Opportunity Act, 15 USC 1691c. 15 USC 1642, and 12 CFR 1002.7 ( a ).

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a credit repair request to all 3 bureaus, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-21 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a credit repair request to all 3 bureaus, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: AMERICAN HONDA FINANCE CORP
State: OR

Complaint narrative:
To Whom It May Concern I bought XXXX XXXX XXXX XXXX, and I financed with Honda Financial Services ( XXXX ) XXXX XXXX or XXXX XXXX XXXX XXXX. XXXX, TX XXXX Account number # XXXX The payment due date will be on XXXX  of each months. I am always making the payment on the XXXX or XXXX of each months. 

However, Honda Financial Services had been sending the wrong statements say that I didn't make the payment. 

I have been calling HFS since XXXX, and I have been asked for correct statement. All HFS are not provided me the right statement. All HFS do not care for me. 

May you please help me, and I have been stressful since than. 

Respectfully, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I inadvertently sent two mortgage payments for XX/XX/2022. As soon as I realized my error, I called TD Bank to request a refund of the duplicate payment. Although customer service tried to talk me into letting them hold the money for the XXXX payment, I insisted I wanted a refund. I knew not to trust them when they didn't offer to wire my refund. They are a large financial institution, after all, aren't they? I was told to expect the refund on XX/XX/XXXX. When it didn't arrive, I first checked my account to see if TD Bank had applied my refund to my XXXX payment. They had not so I called TD Bank again to inquire about my refund. Again, customer service tried to talk me into letting them hold the money for the XXXX payment and I made it clear I wanted my money back. I was told it would take 10 days to process. When the check hadn't arrived as promised, I checked my account to see if TD Bank had applied the duplicated payment. My account only showed the payments I had made in XXXX as well as XXXX. I called TD Bank again and was told to expect my refund on XX/XX/XXXX. It is still not here. I will not call them again because it is obvious they are not respecting my request to send to me my money. The amount is {$2100.00}. Their comment about applying a duplicate payment to the next month is false because it assumes everyone has lots of extra money laying around. Also, if they were to apply the duplicate payment to the next month, it would be done early in the month so it would not be late. This incurs another question- why are they holding my money and not applying it to the next month 's payment as they say they will? It is bad enough that I had to pay {$250.00} in bounced check fees! They've had more than 60 days to make this right. 
I had had a mortgage with XXXX XXXX with my previous home and they became known as the poster child for fishy mortgages. It looks like TDBANK is a top contender now for this, er, honor. Although I have no idea the number of customers who send duplicate payments in error, it is nothing new, and taking advantage of this is extremely shady. Their online mortgage payment processing system is also convoluted which is also suspect. While waiting for my bank to update it's bill payment system, I used TDBANKS to pay my mortgage. It's cumbersome, convoluted and one has to be routed through a number of customer service numbers to make any changes to mortgage payments. I stay on top of my bills and had forgotten I had initiated my mortgage through the TDBANK system, hence the snafu. I'll register another complaint about their bill pay system if you ask me to. 
I appreciate the time you take to look into this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NC

Complaint narrative:
Attaching FTC Identity theft affidavit for account number XXXX. This account has been blocked by XXXX already. Dispute with XXXX and XXXX is still on going. This statement along with my FTC Report XXXX. XXXX should be considered in your fair credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
EXETER Finance denied me credit after running my social security number. They are in violation of the Equal Opportunity Act, 15 USC 1691c. 15 USC 1642, and 12 CFR 1002.7 ( a ).

Company response to consumer: Closed with explanation