vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I was awarded a grant for mortgage assistance they would pay my mortgage and utilities for 6 months. During that time I didn't make any payments to my mortgage because I was getting ahead on other bills and improvement to my home during the hurricane. The government grant HAF send paper check to the mortgage company on behalf of the recipient my self XXXX XXXX I have received two late payment reporting to my credit report when I have never been late. The taxes and insurance have increased in my house i spoke to an agent at freedom mortgage that advise me that they can " split the taxes and insurance overpayment in over 24 months they are not allocating the funds to escrow because every time i call every other agent advise me the same thing but falsely reporting that i am late when i am not I have all documentation to provide in regard to this case They are also falsely charging me a late fee when i paid before the due date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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 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. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX : Account XXXX. is XXXX ( {$5000.00} ), XXXX XXXX  XXXX Account XXXX. is XXXX ( {$73000.00} ), XXXX XXXX XXXX : Account XXXX. is XXXX ( {$26000.00} ), XXXX : Account XXXX. is XXXX ( {$890.00} ), XXXX XXXX XXXX  Account XXXX. is XXXX ( {$850.00} ), XXXX : Account XXXX. is XXXX, XXXX XXXX XXXX Account XXXX. XXXX ( {$22000.00} ), 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 explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ), XXXX XXXX : Account No. is XXXX ( {$73000.00} ), XXXX XXXX XXXX : Account No. is XXXX ( {$26000.00} ), XXXX : Account No. is XXXX ( {$890.00} ), XXXX XXXX : Account No. is XXXX ( {$850.00} ), XXXX : Account No. is XXXX, XXXX XXXX XXXX Account No. XXXX ( {$22000.00} ), 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
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have tried and tried with all three reporting credit agencies to remove the credit report of the information of Kia finance since finding out that it is past seven years which is allotted to all things reporting on credit report and this account is still opened and not deleted from credit report and negatively making my credit score not be reported as accurate and it is a collection right off which means it is income being reported on my report and according to fcra that is illegal and should have been removed long time ago and I never gave permission for it to be reported. I have tried to get this removed and deleted from all credit reporting and they have yet to remove and came to you before on this matter and they still have not done anything about getting it removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: NY

Complaint narrative:
To Whom It May Concern, I am writing this letter to lodge a formal complaint against Equifax Information Services LLC regarding the inaccurate information on my credit report. I requested a reinvestigation of the error, but the company has failed to comply with the law and respect my rights as a consumer. 

I first noticed the error in my credit report on XX/XX/2023. I immediately contacted Equifax and asked for a reinvestigation, which they denied. I followed up with several requests for a reinvestigation but to no avail. Equifax has continued to report incorrect information on my credit report, specifically the late payments that are still showing up as delinquent accounts. 

As a consumer, I have the right to ask for a reinvestigation of any inaccurate information on my credit report, and I believe that Equifax is in violation of the Fair Credit Reporting Act by not complying with my request. Furthermore, Equifax 's failure to correct the inaccurate information is negatively impacting my credit score and my ability to obtain credit on favorable terms. 

I demand that Equifax immediately remove the incorrect late payments from my credit report and update it to reflect that all payments were made as agreed. I also demand that Equifax provide me with a free copy of my updated credit report as soon as the corrections are made. 

I look forward to hearing from Equifax regarding the corrective action that will be taken to remedy this issue. 

attached I will upload proof of the incorrect reporting. it is not 100 % accurate and different agencies have a different reports. 

if this could not get resolved properly I will intend to sue for violating my rights and the negative impact this has made on my life. 

Sincerely, XXXX

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

Complaint narrative:
There is false and inaccurate information being reported on my consumer report including inquiries that I did not authorize, which means that my report was obtained without permissible purpose. The Credit Reporting Agency has violated multiple consumer rights and has not verified that the information they are reporting is in fact true and correct. I feel as though they are being paid to report false accounts that is hurting me only for their financial gain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: OK

Complaint narrative:
I am being billed for a XXXX debt that was paid and settled in XXXX. I have emailed and written to the company and the response I received was : '' Hello. We will certainly notate your account of your dispute, and collections will continue. '' XXXX XXXX XXXX XXXX XXXX XXXX of Client Services I have contacted the original creditor, XXXX XXXX XXXX and they confirmed that I have no outstand balance in collections. The account number provided by Debt Recovery Solutions as the original account number is not even one of their account numbers. 

I believe this is a fraudulent attempt to collect on a debt that doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I made a payment on the account XX/XX/22. Barclays put a 8 day hold on the payment and refuse to remove it. It was applied without notice. They are tying up {$800.00} of my money I can not use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX I redeemed rewards points on my Chase Freedom card for an Amazon {$50.00} digital gift card. I received an email at my email, XXXX, confirming receipt of my gift card order. The email stated that Chase would send the digital gift card either immediately or within 48 hours. I checked my email, including spam folder and did not receive the email containing the digital card. 
XXXX-spoke to Chase customer service and was told they would investigate and send another card. 
XXXX -- After not receiving the card I spoke to supervisor at Chase customer service and was told he would expedite the matter and send the digital card within 10 days. 
XXXX not receiving the card I spoke to customer service and was told she would send a physical card to my home at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 
XXXX After not receiving the card I spoke to customer service and was told a digital card was sent on XXXX to my e-mail. No email received. Requested a physical card be sent to home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have attempted to correct this multiple times now. The credit bureaus continue bending the law and violating the Fair Credit Reporting Act. 

According to 15 USC 168i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is ion fact ; inaccurate. 

Account XXXX XXXX XXXX XXXX

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

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number : XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account number : XXXX, XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I refinanced the loan through a separate lender ( XXXX  ) because of lower rates. FirstMark Services purchased the initial loan from XXXX XXXX. XXXX disbursed the payments on 4 notes to FirstMark on XX/XX/2023 total {$43000.00}. I received 4 letters stating that the loans were PAID IN FULL. I am currently making payments to XXXX for the refinancing. On XX/XX/2023, FirstMark reversed the payments. The loan is active, accruing interest and late fees. I've spoken to XXXX XXXX customer service representatives and supervisors. No one has any idea as to why the payments reversed. In addition, I was assured that follow up, including resolutions would occur within 24-48 hours of my initial inquisition. I have received no communication other than notices of my account being delinquent. It is extremely frustrating that a lender reverses payments with no regard for the borrower. I was not contacted with respect to this action. However, as a result of their reversal, I was contacted about my account being past due. Had I not received that communication I would have never realized what transpired. I immediately logged into my account and noticed the reversal. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Victim of identity fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Victim of identity fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: OH

Complaint narrative:
I have been fixing my credit for a year now and doing well. All of the sudden this enhanced company with XXXX  hidden where you can't find. So I assume it's XXXX  trying to collect again after I got this taken off twice now. I would.like to know how to take legal action against them. They lowered my credit score by XXXX points for an account.I know nothing about. And enhanced recovery is a predator when it comes to fixing your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX, I received a notification from Google Pay that the payment for one of my subscriptions was declined. Google Pay is set up with my bank account 's debit card. I have two accounts with the same bank and have another debit card as a back up payment. Both accounts had sufficient money to pay for the subscription. When I checked my Google Pay account, it said that my payment profile had been suspended since they were unable to verify the information. I did not receive any requests from them prior to this to verify my information and avoid the profile to be suspended. They have a process to submit information to confirm my information and I have followed the process accordingly. I submitted what they needed but did not get a response. I submitted another one and received a follow up to confirm information. They never got back to me on that one. A week later, I replied to the email requesting status of my request with no response. Today, I submitted my third request to have this resolved. I have already three subscriptions pending for payment with one at the brink of being cancelled because I have no other way to pay for the subscriptions and they won't even let me update my payment options because of the entire profile being suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally offered a bonus for depositing money in a savings account. The amount I was eligible for is $ XXXXThe bonus was said to be paid on XX/XX/XXXX, but I never received it. I've asked Ally continuously to look into it. They previously promised to have it resolved by XXXX, and then the end of XXXX, but both of these were not held up. Now Ally says they have no plan to ever resolve it. 

The details of their bonus are described here : https : XXXX Dozens of other people have commented at that web page that they've had this problem too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief