vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
They sent me an alert saying one of my accounts was reported late. When I finished reading all my alerts and went back to read it again they were gone. I DID NOT DELETE ANY ALERTS BUT THEY DID WITHOUT MY PERMISSION. 

I HAVE NO LATE ACCOUNTS SINCE XXXX 

I tried to call them at the number given on their website but no-one answered the phone. This is the phone number I called 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 2022-04-01 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: MD

Complaint narrative:
XXXX XXXX, XXXX, XXXX Equifax are all reporting late payments from XXXX XXXX bank on dates XX/XX/20, XXXX XXXX on dates XXXX, and XXXX XXXXXXXX XXXX on dates XXXX. This is a clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The law clearly states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 
Futhermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : the term " consumer report '' does not Include report containing information solely as to transactions or experiences between the consumer and the person making the report. These companies are clearly violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: MD

Complaint narrative:
XXXX XXXX, Experian, and XXXX are all reporting late payments from XXXX XXXX bank on dates XX/XX/20, XXXXXXXX XXXX on dates XXXX, and XXXX XXXX XXXX on dates XXXX. This is a clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The law clearly states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

Futhermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : the term " consumer report '' does not Include report containing information solely as to transactions or experiences between the consumer and the person making the report. These companies are clearly violating 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 explanation
Consumer complaint received 2022-04-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My mortgage lender has been unable to pull data from Equifax. They need a trimerge report, they have tried with different companies like XXXX XXXX and have unable to. I myself have tried XXXX and XXXX  and Equifax comes back as blocked. 

I have called Equifax over 3 times and they have informed me, that there is no block or security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Fort the past 10 years or more, with New Rez and before them Green Tree we have been under shortages. when I complained they said the payments would go up again in XXXX from XXXX to XXXX, Then it was said to lower this pay them XXXX. Then I get a letter the following week saying they never got our payment and I have never been late. when I called up there it said it was there I mailed it before the first..They added late charges as well of {$20.00} my problem is Escrow and shortages that come every spring like clockwork plus charge me the amount of XXXX when the money is there, I called them even though they said we could pay $ XXXX. XXXX I don't trust something is wrong. we will see what happens when we pay overnight. XXXX XXXX XXXX. Need someone to check their balance and why shortages every spring

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: MD

Complaint narrative:
There are inquires reporting on my credit file that are unauthorized and I do not recognize I have asked Equifax to remove the inquire many of times over and over and still no resolution to my issue and the inquires need to be removed. under 15 U.S. Code 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My wife and I initiated a loan on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX in XXXX. This was an interest only loan, and it had an expiration date of XX/XX/XXXX. Payments were all made on time and without delay from XXXX to XXXX. 

We are currently disputing the charge that we were delinquent with Bank of America ( BOA ). XXXX years into a 15 year interest-only mortgage, they maliciously removed us from autopay in XX/XX/XXXX. They erroneously stated I was delinquent in a letter on XX/XX/XXXX, and was not eligible for their autopay service, which is in violation of their pay plan contract. They ( BOA ) discontinued the autopay service. Once I was made aware XXXX weeks later, I made all accounts current immediately. We have subsequently paid off this mortgage in it's entirety in XX/XX/XXXX. 

Please note our defense is as follows : My credit union statements demonstrate on-time payments prior to them removing me from autopay. 

Additionally, I am working as a first responder, in the capacity of an emergency room physician, credentialed at XXXX public health service hospitals. I have been traveling extensively via automobile over the past XXXX years during the XXXX crisis, and I have not been able to be home regularly to receive my mail. It was only after Bank of America generated the stop payment that my loan went into arrears. I was never notified via text, email, or phone regarding this change of autopay, and only received their letter when I returned home 23 months later. 

Because of my loan being entered in arrears, my credit score was significantly damaged and I was unable to refinance the loan prior to its closure. We have suffered damages in that we had to liquidate a retirement account ( XXXX XXXX ) and pay tax penalties to pay off the mortgage balloon payment as my credit score had been so heavily damaged by Bank of America.

I did not know about or approve being taken off the auto pay plan ( BOA PayPlan ) in XX/XX/XXXX. BOA removed me from their auto pay plan when I was XXXX months out from completion of my interest-only mortgage. Their bad business accounting practices have made it difficult to uncover the errors.

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 2022-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: NC

Complaint narrative:
Upgrade has me currently on a high interest loan. Payment is really high with minimal impact to the principle. I request to file a hardship to reduce the APR but they do not do that. They only will lower the payment amount each month but will not lower the APR. however the difference from the original monthly payment will be tact on at the final payment making it a very large payment to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX Account Number : 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 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 explanation
Consumer complaint received 2022-04-01 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: AZ

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 XXXXXXXX

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 2022-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I made a purchase and the kohls return policy is standard 180 days but for this item they say they changed some things and now can not return. Item literally chemically burned my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: TX

Complaint narrative:
Experian is reporting a late payment on an account after it was closed. This is inaccurate and need to be updated. I have disputed this several time and it has yet to be fixed.

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 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Credit Card Bank of America last XXXX number is : XXXX Amount : {$1300.00} Bank of America required the complaint. 

I try before but I dont know whats happening? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : 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 2022-04-01 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: AZ

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 2022-04-01 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: AZ

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 2022-04-01 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: VA

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly.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 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 non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: CO

Complaint narrative:
I had water damage to my floor and my insurance company sent me a check for {$14000.00} for my claim to repair my floors. I submitted the packet of paperwork on XX/XX/22 to Celink, the company my mortgage company hired for Loss Draft issues and insurance claims. The paperwork included the check I endorsed as they requested. I called them about a week later to make sure they received my tracked documents I sent via XXXX. They said they did but didn't receive my check. I got very angry as it was in the packet. Then they told me they found it. Supposedly, they open an escrow account to place the money in until my repairs are all completed and all paperwork filed. On XX/XX/22, my paperwork and inspection were all completed and Celink verified this.Then they said that it takes 5 days for the paperwork to be examined and then 10 days after that to process the check.When I called them XX/XX/22, they told me that the 10 days for them to send me my check would be XX/XX/22. I called on XX/XX/22 and they said that it was being processed. I asked to speak to a supervisor and her name was XXXX. She told me that my check would be mailed on XX/XX/22 and I would be able to put it in the bank on XX/XX/22. I have a tracking number for XXXX but there is no action on this yet and it is XX/XX/22. I reviewed this company online and they have bad reviews and complaints. I called on XX/XX/22 and they told me it would be another 3-5 business days. I have complied with all of their requirements and they won't release my money that is mine. I feel I am being scammed and I need some help to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a charged off account on my credit report from capital one for {$540.00}. I have filed a claim with all 3 credit bureas XXXX, XXXX and XXXX. Stating this account is not mine and that it was fraudelent account. All 3 credit reporting have completely different information on all bureas.Some no payment history. XXXX has different opening date. SO i called capital one and ospoke to a representative and they hung up in my face after being on hold 1 hour. Then i called back to asked for verification of account such as whats the email address on file, what address it went too, what account the payments was made from etc. They did not provide me wiith this information. This company has clearly violated my FCRA rights. This is slander my representation as a human

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: VA

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly.XXXX XXXX XXXX XXXX DXXXX 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 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