vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 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: SC

Complaint narrative:
XXXX XXXX is report inaccurate information to my credit report. 
XXXX reports the DATE OPENED XX/XX/2018 and Experian XXXX XXXX report the DATE OPENED XX/XX/18 Amount : Balance : {$990.00} {$990.00} {$990.00} The HIGH CREDIT and CREDIT LIMIT do not match.

Date of last active do not match.

Date of late payment do not match.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

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 2021-11-05 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: QUALITY ACCEPTANCE LLC
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, QUALITY XXXX, is currently showing XXXX days late for the month of XX/XX/2019. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and remove the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: SC

Complaint narrative:
XXXX XXXX is report inaccurate information to my credit report. 
TransUnion reports the DATE OPENED XX/XX/2018 and XXXX XXXX XXXX report the DATE OPENED XX/XX/18 Amount : Balance : {$990.00} {$990.00} {$990.00} The HIGH CREDIT and CREDIT LIMIT do not match. 
Date of last active do not match. 
Date of late payment do not match.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

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 2021-11-05 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: SC

Complaint narrative:
XXXX XXXX is report inaccurate information to my credit report. 
XXXX reports the DATE OPENED XX/XX/2018 and XXXX & Equifax report the DATE OPENED XX/XX/18 Amount : Balance : {$990.00} {$990.00} {$990.00} The HIGH CREDIT and CREDIT LIMIT do not match. 
Date of last active do not match. 
Date of late payment do not match. 
602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the incorrect inquiries reporting on my Credit Report : XXXX/XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: SC

Complaint narrative:
XXXX is reporting inaccurate information on my credit report. Date opened is incorrect. High credit is incorrect. Credit limit is incorrect. Last reported is incorrect. Date last active is incorrect. Date of last payment is incorrect.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

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 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
In XXXX of XXXX, I was approved for a Discover Card. The bill was maintained until XXXX of XXXX. Discover has reported to all 3 credit agencies that a payment was made in XXXX of XXXX in a effort to restart the debt clock which is illegal. I have disputed this with all 3 credit agencies multiple times. Each time Discover has maintained there was a payment made in XX/XX/XXXX yet can't provide the information. So they can't produce the payments for XXXX, XXXX, or XXXX so they reset the debt clock. Each credit agency has requested Discover show proof of a payment being made however they have no proof. According to the Consumer Credit Act falsifying or placing inaccurate information on credit reports is illegal and the company can be held responsible. The account is 7 years old. The account was open 7 years ago. To keep the account on my credit record they are reporting wrong dates, wrong year of payments, and giving inaccurate information. I am formally requesting for Discover to produce the final payment made on the account. If it's a scan document or scanned bill with the last payment I am asking for it. In addition besides my contacting all 3 credit agencies, I wrote a letter asking them to produce the last payment made. Discover ignored the letter and proceeded to add more derogatory information. If the account is closed and charged off at this point the statute of limitations has passed. For them to illegally state a payment was made when it wasn't is illegal. If they can't produce any payments being made in XXXX to the Consumer Protective Agency I want the inaccurate information removed and the credit report corrected. For the record, I made NO payments in XXXX to this account. I need Discover to produce the payment. If the payment was made it should be no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
Purchased our home in XXXX on a 30 yr fixed lone. I noticed an issue with the payment amount almost immediately. It took many calls to the company and with our insurance agent. I was told a different story every time I called. Finally found out that an insurance co. we had never heard of was getting paid out of the mortgage payments. Instead of refunding the $ to us they said that they put it on the end of the mortgage principal. I never seen any papers to show that they did this. Our payments were supposed to start at {$13.00}??.?? /month. I believe that they started at XXXX?? XXXX. We were told that if we were not late on any payments for 3 yrs that they would drop the mortgage insurance and that we could refinance to lower our payments. XXXX I called to have the mortage ins. dropped and to refinance. I was told that the mortgage ins. stays on the loan for the life of the loan and that they decided not to refinance manufactured loans. Our payments are now $ XXXXmonth. In XXXX I called to make a payment of {$2000.00} on the mortgage because I had recieved a forclosure warning a few days before the payment was due. After I paid the XX/XX/XXXX payment I got another letter warning about foreclosure. I called many times and every agent told me a different story. Then one agent told me that the XX/XX/XXXX payment was put on a principal payment not a mortgage payment. I explained that I never okey 'd that. It was the same as always a mortgage payment. He put in a note in my file, told me to wait a week then call to see what the company decided to do. I called in a week, again the agent couldn't help me. I looked on line and it still showed that I owed for 2 payments. I called again and the agent told me that a decission on my case wouldn't be made till XXXX XXXX. I still can not find out if they corrrected the issue. I was told that our payments went up because of taxes, but there is not way that our property taxes are causing our payments to be around {$600.00} more per month. A realtor just valued our property at {$420000.00}. And that is with the inflation of realty costs. 
Loan Depot is who our mortgage is through. I need to know why our fixed mortgage has gone up so much, it can't be just property tax. I don't want to lose my home because of an unfair payment amount. 
Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: DISCOVER BANK
State: TN

Complaint narrative:
I have opened a case with the CFPB with Discover as relates to my account and my wifes and both my wife and I have received corespondents from there executive resolution department. Which is listed below, I have emailed, called and received no response on the pre existing CFPB case opened or email and voice corespondents. I have disputed with all three agencies with XXXX simply applying a comment costumer disagreed and XXXX moving my single reported late payment from XX/XX/2021 to XX/XX/2021. Which is totally inaccurate. Below is the.email both my wife and received from Discover on our accounts. I have also attached the payment snapshot showing that there was no late payment in XXXX or XX/XX/2021. This is has been a very hard year for me and my wife due to Covid and we truly love being part of the Discover family but all that is being asked from even the first CFPB cases opened for both me and wifes accounts was that the single late payment being reported be removed from all three agencies. We are both very much aware of are financial responsibility and take it very seriously, which is why we are working very hard to pay our debt off completely starting with my wifes account next week. You can see the schedule payment in your system. 

From : XXXX Date : XX/XX/2021 at XXXX XXXX  CDT To : Executive Office of Discover Financial Services XXXX Subject : Re : Your Inquiry to Discover XXXX, Thank you for your response please let me know if there is anything you need from me regarding this issue. 

XXXX On XX/XX/2021, at XXXX XXXX, Executive Office of Discover Financial Services XXXX wrote : Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure the concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. 

If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX. I am typically available weekdays from XXXXXXXX XXXX  to XXXX XXXX ET. 

Sincerely, XXXX Executive Office of Customer Advocacy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-11-05 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: NY

Complaint narrative:
I have called transunion numerous times and they keep saying they will delete inquiry and have not to date. This is identity theft. Remove this unauthorized inquiry immediately. I never consented to this

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 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After two weeks I continue to receive the INCORRECT CREDIT SCORE. A score which is NOT reported to lenders. This is a major financial impact because it misleads and DOES Not represent the entire story.bl frankly in my opinion by hundreds of reports filed this is a deliberate falsehood that continues to be propagated and allowed by you. You do Not even read XXXX on these complaints you merely immediately forward them to the agencies for THEIR UNRESOINSIVE REPLY. THEN CLOSE the report upon receipt doing NOTHING. It is indicative of who you truly are NOT who you claim to be. Here is the proof once again ... XXXX Learn more Experian Data XX/XX/2021 XXXX Fair XXXX See all 3 Bureau FICO Scores Credit Usage 97 % Total Debt {$160000.00} Open Accounts 6 Inquiries 70 ... yes and the inquiries mount and they will reply DUPLICATE ... OF COURSE -HUNDREDS FILLED UNTESOLVED. YES BY OPINION OF EXPERIENCE a great sham.

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 2021-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I got a specialized loan from Citizens One to purchase an XXXX through a XXXX XXXX XXXX promotion and it's been a nightmare since day one. I setup online automatic payment through their website as instructed. Put in my checking account information and everything else required to have payments automatically withdrawn monthly. Not only did the automatic payments never go through, but the site itself shows improper amounts owed ( minimum monthly payment, statements show errors on recorded payments, and there's also missing payments I made ) I have only been successful in making payments by calling in by phone and speaking with someone to manually pay with a debit card. Even then I only received a payment confirmation number once. Interestingly, a payment deduction has never shown being withdrawn from my bank account a Citizens One payment the entire duration of the loan so far. Communication between myself and Citizens One has been very sketchy and unclear. They have already harmed my credit by reporting missed payments when I have called in at least every month making payments by phone. Unfortunately, I have no record, or Citizens One, of making more than one or two payments.

Company response to consumer: Closed with explanation