vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 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 — Was not notified of investigation status or results
Company: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
Towhom it may concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation.

Here 's the wrong info : 1. This is a billing error always paid as agreed on time this is an error this account in violation. 
KAY JEWELERS Account Number : XXXX Please remove it from my credit report.

I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here.

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to a

pply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I just had my home refinanced and the loan was purchased by Freedom Mortgage. I attempted to make my payment via ACH payment using my checking account online only to find out the payment was reversed days later. I began to get calls regarding a late payment and I explained that I made the payment and they said it was reversed for the wrong account number. I made another payment attempt and even removed the payment type and re-added it copying it from my banks online account portal. It was reversed again. I made another attempt and it happened again. 

I called each time about this and was told I input incorrect information. I spoke with several agents yesterday and was told I needed to speak with my bank because it is an issue on their end. I spoke with several agents there and they said no payment attempt has been made and there are no issues. I spoke with someone again at the mortgage company and they suggested I add the zeros before my account number, so I attempted to make another payment. I was called by a supervisor regarding this issue today and they continued to suggest the account number was being input incorrectly when I explained that the full account number is being used. I use this same account for all of my other ACH payments and have had no issues besides with Freedom Mortgage. I am now worried that this will impact my credit rating for non-payment when I have made multiple attempts to make the payment with confirmation numbers and the payments are not being processed. Their support has been lackluster.

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 2022-07-08 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Please help all my Consumer Rights has been Violated.

15 USC 1681b ( 2 ) In accordance with the written instructions of the Consumer to whom it relates 15 USC 1681A Respect for the Consumers Right to Privacy 15 USC 1681O Civil liability for negligent noncompliance 15 USC 1692C Communication in connection with debt collection 15 USC 1692D ( 2 ) Harassment or abuse 15 USC 1692E ( 2 ) ( A ) Fale or misleading representations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: ERC
State: IL

Complaint narrative:
Please help all my Consumer Rights has been Violated.

15 USC 1681b ( 2 ) In accordance with the written instructions of the Consumer to whom it relates 15 USC 1681A Respect for the Consumers Right to Privacy 15 USC 1681O Civil liability for negligent noncompliance 15 USC 1692C C
ommunication in connection with debt collection 15 USC 1692D ( 2 ) Harassment or abuse 15 USC 1692E ( 2 ) ( A ) Fale or misleading representations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: CA

Complaint narrative:
I am in receipt of the results of the investigation which I have attached regarding the XXXX XXXX XXXX XXXX account appearing on my credit report per Equifax says on investigation results they claimed the account is not appearing on my report however I just pulled my report and XXXX XXXX XXXX XXXX XXXX account is still appearing on my report and still doing damage to my reputation. I ask that you please remove the account as soon as possible from my report and send me a confirmation after doing so please stop stalling and claiming account is not on my report when it clearly is reporting. That is a clear violation of the FCRA if not play misrepresentation of the facts. Remove a XXXX XXXX XXXX XXXXXXXX for my credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : Also States a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : Also States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Same account was Re-inserted. Comments inaccurate. This ground for removal they also violated my rights under I WANT THE FOLLOWING ACCOUNTS ON ALL 3 BUREAUS DELETED OFF MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Information was found to be fraud and was deleted by XXXX. Experian claims they received the information from 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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
This complaint submission is in regards to a false credit report by Chex Systems Inc XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX. I have made attempts to rectify this matter with them directly beginning on XX/XX/2022. I spoke with a few representatives who were all extremely rude and refused to give me any information regarding this alleged debt. There has been several letters sent to Chex Systems Inc via certified mail which I requested the company to provide proof bearing my signature, showing that I have a legal obligation to this allege debt. As of today 's date, they continue to not comply and are illegally reporting inaccurate information. 

On XX/XX/2022 another letter was sent in regards to the report listed on file with Chex Systems Inc. A response letter was mailed back to me, still none of which legally verified the allege debt. They continue to send the same response as they have proven that this debt is not valid, due to the company failing to provide efficient legal judgement. After 30 days of notifying them, still no response from the company once again. Chex Systems Inc has not provided any significant evidence indicating proof that this debt is mine. ( Company 's Response also attached with this complaint ). At this point in time, Chex Systems Inc has failed to provide any proof of debt and/or anything in signature or judgment by law, stating I was obligated to pay the debt or legal owner of it. I have never made any agreement with them or with the original bank/creditor to pay anything nor was I properly notified of this false reported debt. After several attempts to rectify this matter, I am firmly requesting Chex Systems Inc immediately remove me from their systems and confirmation of this action is provided. 

Chex Systems Inc has failed to honor the law nor provide any competent evidence or any legal obligation. Chex Systems Inc is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions. I will be seeking a minimum of {$5000.00} in damages for each of the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act

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 2022-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
I'm in a very bad hard ship after my wife passed away not bank breaches the XXXX they called when they did not give been working with them on my hard ship the sent a guy to my home very rude demanded the keys I told him I wanted to get my stuff out he got in my face and told me to hand over the keys he took my keys rolled the windows up before all this happens I told him your not taking my car I said I was going to call XXXX got told we are in the right you don't have rights I had to buy a code beforiloose my job home I've been sued I have a hard ship I can prove in court the car has Gap insurance on it iwas told we are obeying the law when they breaches contract I know I have rights I can not afford to repay this loan they did tell me on a recorded line XXXX a month then they said I didn't say that I need help in this matter they also stated bankruptcy will not help you it will not take care of past due amount I know for a fact it does they stated it don't work like that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Login issues continue over a week. Tried to login on XX/XX/XXXX to pay bill due XX/XX/XXXX without success. Tried again on XX/XX/XXXX - payment due date- around XXXX and received errors. Tried again after XXXX on XX/XX/XXXX and was able to access my account however the time was after the due date time so will be accessed a late fee. When attempting to call the service bot hung up twice. After calling back XXXX times was able to get in touch with a human who ultimately assisted me with my issue/concern. On their FAQ page they indicate that customers will receive late fee waivers between XXXX XXXX however I still experienced issues and errors while attempting to access my account on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have multiple unauthorized hard inquiries on my credit report. 

I dont know if my information is being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
During the check-out process on XXXX XXXX, I was encouraged to sign up for a credit card to receive rewards on my purchase. I completed the application and was awarded the credit card, however was not given access to use the card until my physical card was to arrive XXXX days later. To promote benefits of getting the card ( 10 % back in rewards for purchases made within the first 30 days ) during the check out process then tell a consumer they have to wait XXXX days to be able to use the card is misleading and fraudulent representation. If I use another card to complete my purchase in that check out window, I am do not receive the rewards associated with the card. Capital One is the provider of the credit card. In spite of completing the account set up and verifying all my personal information, there is no way for me to access the card number until the card arrives in the mail. The Capital One service representative confirmed that had I complete the credit card application at a XXXX XXXX retail location, I would have been able to access my account, but can not do so online. This is a misleading representation on the website and should be held to communication standards to enable consumers to avoid pulling credit reports unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received alerts on my credit report. When I check my report I don't recognize the listed inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-08 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:
I received alerts on my credit report. When I check my report I don't recognize the listed inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - ACCOUNT NUMBER XXXX is reporting inaccurate information to my credit report. This violates my consumer rights under the Fair Credit Reporting Act 15 U.S.C. 1681, by which credit reporting agencies must report complete, verified, and accurate information.

The above account is showing account closed on XX/XX/XXXX, Last Payment XX/XX/XXXX, and several payments, late payments, XXXX balance, etc... 
The information is inaccurate and should be deleted immediately. 

I have contacted creditor and credit bureau to delete the inaccurate information.

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 2022-07-08 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: HI

Complaint narrative:
I requested and was granted by XXXX XXXX a payment accommodation ( deferral ) plan on or about XXXX of 2022 in accordance with the Cares Act. My account # is XXXX. Late payments were reported in XXXX and XXXX of 2022. 

On two different occasions XXXX XXXX reported me late to the credit bureaus adversely affecting my credit. XXXX XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection under the Cares Act regarding credit reporting an scores. 

According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX failed to do that and reported me late severely damaging my credit score, and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.

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 2022-07-08 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX  XXXX  Account # : XXXX Account Name : XXXX  XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/2017 Reference # : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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