vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
The Child Support Enforcement Unit In New York State has been reporting outdated and incorrect information since 1998. I have made child support payments that have not been accounted for on my consumer credit report. I will be uploading proof of inaccurate information that is being reported on my consumer credit report. Per U.S. Code 1681s-1 ( Information on overdue child support obligations states : That a State or local child support enforcement agency or a verified State, Federal Government agency can use this information can be reported on if it antedates the report by 7 years or earlier. Also per 15 U.S. Code 1681b. Permissible Purpose of Consumer Reports states : This report is only to used to establish an individual 's capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement or judgment. The consumer report will be kept confidential, and will be used solely for a purpose described in subsection ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding or, or for any other purpose and The Child Support Enforcement Unit of New York State has violated those rights.

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 2024-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: WA

Complaint narrative:
Audi Financial provides unreadable documents in their financial services portal and then is not available to be reached. When I reply to the financial services portal a response is never received. Customers work during Monday to Friday if Audi would like us to keep our job so that we can pay their outrageous payments then they need to be open when people are not at work. 

Documents are sent in this " portal '' but can not be read or downloaded throughout the entire XXXX  year. The car payment is late so what, its paid every month. Stop harassing your customers or you won't have any. I will never purchase an Audi again in my lifetime and I hope no one else does either. 

At the very minimum this company needs to provide the documents they are trying to send. Otherwise quit wasting our time and send the paper document in the mail. Your portal does not work and it has always been a complete joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
See attachment below for full description of what happened. Shirt version, I bought a car from XXXX XXXX XXXX in XXXX XXXX and the dealership committed violations against me. They never disclosed the contract details to me. They never disclosed the amount I was financed for. They never disclosed how much the car was. They also charged me extra fees that said optional on the contract but I was never given the option to decline the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
This company attempts to call me 3-4 times a day, even on the weekends. They claim to be Commenity Bank and collecting a debt for a purchase I made at XXXXXXXX XXXX XXXX. I do not have an account with Commenity nor have I purchase anything from XXXX XXXX XXXX 

They want me to wire them money to pay this debt. 

I believe this to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There are accounts reporting on my credit that I have several times reported fraud identity theft they refuse to take it off my account t Ive called at least 100 ti, es nothing gets resolved. Chase Morgan bank is reiiryung I had an account with them for XXXX credit card. Ive never had an XXXX crest card before. They will not listen. On top of XXXX XXXX keeps also reporting Ive never had a XXXX XXXX XXXXredit card and now its in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: NY

Complaint narrative:
To compensate me damages in XXXX dollars for falsifying response of denial when merchant XXXX XXXX refunded me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
XXXX passed away. Called carrington mortgage and told them. They gave me info regarding how to proceed with reverse mortgage payoff being I was the heir to property. I sent them all info regarding real estate agent and listing. I called several times as we were suppose to close on house but things were pushed back do to buyer. I received letter dated XXXX XXXX. ( attached ) that stated I had until XXXX XXXX to send in documents being I asked for extension. The house sold and closed XX/XX/2023. On XX/XX/XXXX I was served with foreclosure papers! And they added a {$2800.00} fee onto the ending balance due. I called SEVERAL times and everyone was SO RUDE! I want my {$2800.00} back. I followed thru on my obligations as heir to a reversed mortgage house. In LESS 4 months the house was SOLD and PAID IN FULL. Letter from carrington is attached. I was in contact with them several times. I have read that MANY PEOPLE ( especially heirs ) have had this happen to them! ) They knew the house was up for sale ( I sent them info ). They knew we were closing as soon as buyer was set.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: FL

Complaint narrative:
There are accounts reporting on my credit that I have several times reported fraud identity theft they refuse to take it off my account t Ive called at least XXXX ti, es nothing gets resolved. XXXX XXXX bank is reiiryung I had an account with them for XXXX credit card. Ive never had an XXXXXXXX XXXX card before. They will not listen. On top of mountain America keeps also reporting Ive never had a mountain America credit card and now its in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA

Complaint narrative:
We signed up for the XXXX XXXX & at the end of the period, Carrington demanded the full balance due. Four pymts plus fees & interest & stated if we didn't pay in full, foreclosure would be processed. We did a loan modification in order to keep our home & set up autopay payments bi-weekly. They canceled our autopay because of one nsf. Now we can't make a pymt on the website or the app. We've also had issues with Carrington and credit reporting. I made requests to have it fixed but nothing was ever done. Now our mortgage doesn't show on our credit report. We recently discovered that they placed a partial claims mortgage to the HUD. We made pymts every two weeks & funds were not applied to out account. Stats show they were allocated to " unapplied funds ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the

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 2024-04-22 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
It appears that the party in question has violated the Fair Credit Reporting Act ( FCRA ) by unlawfully accessing my consumer reports from XXXX, XXXX, and XXXX without proper authorization or permissible purpose as outlined in the FCRA. As a consequence, they are potentially liable for actual damages, statutory damages up to {$1000.00}, and punitive damages. I am open to resolving this matter amicably without admission of liability. I request that the party in question ceases accessing their consumer reports and remits {$1000.00} to their my within 14 days of receiving this demand. Upon receipt of the payment, I will consider this letter a general release of all claims herein.

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
loan was sold then JPMCB HL says balloon payment on credit report Account number XXXX Account type Mortgage Responsibility Individual Date opened XX/XX/XXXX Status Open. Balloon payment of {$20.00}, XXXX due XXXX XXXX then i got this and don't no why because i never ask JPMCB XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX - XXXX XXXX BANK ACCOUNT # XXXX This creditor is reporting this account that has had a XXXX balance for many months. 
Show as 30 days late for the month of, XX/XX/2023. 

I am requesting that this creditor update my credit file with all XXXX credit reporting agencies to payed as agreed and never late. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX - XXXX XXXX BANK ACCOUNT # XXXX This creditor is reporting this account that has had a XXXX balance for many months. 
Show as 30 days late for the month of, XX/XX/year>. 

I am requesting that this creditor update my credit file with all XXXX credit reporting agencies to payed as agreed and never late. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting 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:
XXXX XXXX - XXXX XXXX BANK ACCOUNT # XXXX This creditor is reporting this account that has had a XXXX balance for many months. 
Show as 30 days late for the month of, XX/XX/2023. 

I am requesting that this creditor update my credit file with all XXXX credit reporting agencies to payed as agreed and never late. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question : XXXX XXXXXXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
They call me over 7 times within a 7 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Denefits LLC
State: GA

Complaint narrative:
I attempted to have a negative item removed from my credit report that was the result of fraud. I searched online and found XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) on XXXX through a verified XXXX. I agreed to the terms of the service that he described and was forwarded to his case workers to proceed with the service of credit repair ( for the fraudulent account ). I was made to take out a loan/financing agreement with Denefits ( a financing company ) in order to begin my credit repair with XXXX XXXX  XXXX XXXX XXXX I agree to pay monthly for a service that was to include a case XXXX that I would actively work with to improve my credit profile through a tailored strategy from their credit expert/case managers all while they simultaneously cleared my credit report of any inaccurate information/fraudulant information. After a few months with no contact from anyone ( except on the week of a scheduled payment, Id receive a text informing me of my upcoming payment and a message saying they was still working on removing the same account ). I contacted someone from the credit repair company to see why I was not receiving any communication from my case XXXX to build my credit and why was they still saying that they was attempting to remove the same negative account for 3 months. I told them that I was not receiving the service that I agreed to pay for and was given excuses and told that I had to keep paying them or they was going to report negatively on my credit report. I then contacted Denefits ( the finance company ) to request that they void my finance contract because I was not receiving the service that I agreed to pay for. They told me that they contacted the XXXX XXXX XXXX and was told that they provided me the service ( when I have text messages from them confirming the opposite ). Denefits proceeded to report my account negatively to the credit reporting agencies causing my credit to plummet and resulted in me being denied credit lines as well as even insurance because of my lowered scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
HSBC ACCOUNT # XXXX I Had a loan with HSBC and have NEVER LATE. The account was enrolled in CARES ACT in XX/XX/XXXX- AND WAS IN THE PROGRAM UNTIL XXXX OF XXXX. 

HSBC VIOLATED THE CARES ACT by reporting my account 30 DAYS LATE in XX/XX/XXXX. 

I would like this to be resolved. I have contacted HSBC via phone and letters on multiple occasions and issue to this date has not been resolved. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
XXXX XXXX and trans union Have struggled to take off inquires off my record Ive called over XXXX times trying to relative and fix it they are complicating things and I finally gave up and now am seeking porefsinal help

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