vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 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: OH

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand 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 2022-10-18 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2022-10-18 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 XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-10-18 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  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: NY

Complaint narrative:
I just received my reinvestigation back from EQUIFAX. THEY SAID EVERYTHING IS 100 % COMPLETE AND ACCURATE. I WOULD LIKE TO RECEIVE THE DESCRIPTION ACCORDING TO 15 U.S.C 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is not 100 % accurate. 
XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX all of them They did not modify or delete the inaccurate information on my consumer report according to 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) I attached my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
There was a XXXX scam that happened to my account. I did not authorize this, XXXX is provided by Citizens Bank. The amount was {$750.00}, the bank refuses to stand by their XXXX  and protections on the account and they refuse for whatever reason to return the stolen money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
I have attempted multiple times to get XXXX and the Credit Reporting agencies to update my three private student loans. When I made a payment to XXXX it was for my federal student loans, not my private loans. The private loans were from XXXX and were beyond reporting years even in 2017 when XXXX claims XXXX made my last payment and/or became delinquent. I paid my FEDERAL loans that were managed by XXXX at the time, not my private loans. 

I have contacted Equifax and XXXX multiple times, as well as my husband since he is my co-signer on the private student loans with XXXX help. I've asked for a copy of whatever proof has been given to show the money went to the private loans, but all I receive is the comment " the creditor has verified that the date is being reported correctly. Additional information has been provided from the original source regarding this item. '' I have never, sadly, made any payments on my private loans that I took out for my degree at XXXX University. I believed that all of my loans had been consolidated and only paid, minimal federal student loan payments. XXXX is incorrect in reporting that I made a payment on my private loans and the money paid should have been posted to a federal loan payment that they were managing. 

I would appreciate any assistance in correcting this information on my credit report as well as my husband 's. I'm being punished for debt that is older than 14 years. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: SC

Complaint narrative:
Requesting description of the investigation In accordance with the fair credit reporting Act 15 USC 1681 ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list accounts Below. 

XXXX XXXX XX/XX/XXXX This account is reporting inaccurate information, account type, payment history are reporting inaccurate indifference on each bureaus, XXXX XXXX XXXX is reporting inaccuracy of credit reporting each bureaus is reporting indifference information payment history, XXXX XXXX cred, XXXX, XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX Account is XXXX. There is an acct reporting with no company name/any details at all but has a balance of {$870.00} open XXXX XXXX this is against the law to report. XXXX XXXX XXXX XXXXXXXX Fin XXXX XXXX/ XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 i ( 7 ) because the list accounts are not accurate. The open date, date last active, and date of last payments, the accounts are not 100 % accurate

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 2022-10-18 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: SC

Complaint narrative:
Requesting description of the investigation In accordance with the fair credit reporting Act 15 USC 1681 ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list accounts Below. 

XXXX XXXX XX/XX/XXXX This account is reporting inaccurate information, account type, payment history are reporting inaccurate indifference on each bureaus, XXXX XXXX XXXX is reporting inaccuracy of credit reporting each bureaus is reporting indifference information payment history, Experian business cred, XXXX, XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX Account is inaccurate/Ad. There is an acct reporting with no company name/any details at all but has a balance of {$870.00} open XXXX XXXX this is against the law to report. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX/ XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX / XXXX XX/XX/XXXX / XXXX XXXX XXXX XX/XX/XXXX Addresses need to be removed are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, sc XXXX I just received my reinvestigation back. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 i ( 7 ) because the list accounts are not accurate. The open date, date last active, and date of last payments, the accounts are not 100 % accurate

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 2022-10-18 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XXXX XXXX, 2022, my travel agent submitted a substantial charge for an upcoming cruise for payment via my Chase credit card. The charge was made on the same credit card with which I had made the cruise deposit and was made some 10 days before the due date for the final payment. When I contacted the travel agent several days later, but before the due date, to arrange for payment, I was informed that it had been made already with the Chase credit card. Although I was uncertain whether the charge exceeded my credit limit on that card, I was assured by the travel agent that there had been no hesitancy by Chase in accepting the charge. However, I was notified on XX/XX/XXXX by a credit monitoring company that notification had been received that I had exceeded my credit limit on a card by over {$6000.00} and learned that my XXXX score has correspondingly dropped by XXXX points, from " exceptional '' to " good ''. Complaints to Chase that I had received no notice from them or requests to rectify the situation between XXXX XXXX and XXXX XXXX, when they prepared my monthly statement and simultaneously notified the credit reporting companies were .to no avail. And, even on my statement, received on XXXX XXXX, I was required only to make a payment of some {$290.00} by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Despite sending the proof of on-time payment, Specialized Loan Servicing ( SLS ) is refusing to correct information submitted to credit bureaus as late payments. The last complaint to cfpb ( XXXX, submitted XX/XX/2022 ) is closed with not real answer from SLS as to why they are not correcting the wrong reports to credit bureaus. 
I paid all my mortgage payments on-time and yet, Specialized Loan Servicing, wrongly reported my payments as late. I submitted proof and documents that shows all my mortgage payments that SLS claims to be late, were sent in form of cashiers checks with the date clearly shown that were paid before the due date. I am suffering financial and emotional problem while SLS refuses to correct their mistaken reports of late payment to Credit Bureaus.

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 2022-10-18 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Credit Card has failed to issue reward points for 3 Billing Cycle. 

Initial called sometime in XXXX, and was told there was a system issue that would soon be corrected. 

Called Credit company again on XX/XX/2022, and told a system issue since XXXX has prevented rewards to be posted. 

I requested the points be posted to my Ultra reward account, as a accommodation pending the system fix. Was told they couldn't do it. 

I was Requested to submit client complaint, Credit Card company failed to take complaint and only provided a phone number to call which was not a complaint division for the Credit Card. The number was not for the credit company, but rather the Corporate Headquarters number foXXXX Ulta XXXX XXXXXXXX XXXX XXXX XXXX Payment XX/XX/2022 {$250.00} XX/XX/2022 {$310.00} XX/XX/2022 {$180.00} Card logo says XXXXUlta XXXX XXXXXXXX XXXX  XXXX XXXX number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
My family had recently moved into our new home. I was sadly laid off from work the same day my house was put on my lot. So money is very tight have been collecting {$560.00} from unemployment. And anyone with common sense would know the current situation. Basically a lot of bad luck at the moment. Now there was a mishandling of some documents that the home builders were supposed to send to the bank concerning when the first payment was due. To our knowledge, the first payment was due on XX/XX/XXXX which the documents stated. Sadly that was not the case apparently the first payment was actually due on the XXXX of XXXX. We hadn't even been living at the home for a week. I was out of a job and my stepson was also. By the grace of XXXX, we found jobs and have been working for roughly about two weeks trying to earn up the money. My issue comes here... A lady called me today and was asking for {$1600.00} to be paid immediately. Now I tried to arrange a {$2000.00} payment with her for Friday, XX/XX/2022. She stated that " no you don't need to make a payment of {$2000.00}. When I'm only asking for the month of XXXX ''. She then transferred the phone to a gentleman who was extremely rude and even told me " I don't care how you get the money, sell, pawn, or do whatever. But I need a payment of XXXX ''. That was a new amount for me so I asked him why that amount. I'm not very familiar with the law but to my knowledge, I have roughly 30 days to make a late payment. If that is correct the 30 days ended on Saturday XXXX of XXXX, 2022. Now my stepson offered to pay the {$1600.00} TODAY XX/XX/2022. But he said no he wants the {$3300.00}. Now if he would've just accepted that today and the {$2000.00} on Friday everyone would've gone home without a headache. I attempted to make the payment online right now and it has seemed to have been blocked by him. I don't understand why he has to be so difficult can he not comprehend we as a family are in very tight situation money-wise, and I'm offering him a resolution and he does not want to take it? We don't have the full money today but have half of it, why be so complicated to crush a family 's dream of being homeowners what happened to the XXXX XXXX? Yes on XX/XX/2022 we spoke on the phone to login into my account to keep track of the payments. I had said to him that on XX/XX/2022 I would make a payment, sadly we only had very little money earned and missed the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have reasonable cause to believe I have been extorted! I have been abused and deceived by " Attorneys '' at XXXX XXXX XXXX, XXXX. in XXXX XXXX, Texas, including but not limited to, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX, are violating my rights and federal law under the FDCPA, XXXX, & XXXX, all while never showing proof of authority to be legally " representing '' DISCOVER BANK. They filed a lawsuit against me in the County Civil Court at Law No. 1 in XXXX XXXX, XXXX, Texas, for a " breach of contract '' without providing a legally binding contract. They obtained my nonpublic personal information without lawful authority and have used it to bring harm to me and my financial reputation. I have never entered a contract with these people. I DID NOT AND DO NOT CONSENT to them possessing, using, or transferring my nonpublic personal information. They, along with DISCOVER BANK, DISCOVER FINANCIAL SERVICES, etc. violated a cease-and-desist notice delivered on XX/XX/XXXX, via certified mailing number XXXX received with signature, by continuing to proceed in obtaining a default judgement against my strawman, without lawfully validating the alleged debt. 

Violations committed by XXXX XXXX XXXX, XXXX. are as follows but not limited to : 15 USC 1 15 USC 1692d 15 USC 1692e ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692e ( 4 ) 15 USC 1692e ( 5 ) 15 USC 1692 ( 7 ) 15 USC 1692 ( 9 ) 15 USC 1692e ( 13 ) 15 USC 1692f ( 6 ) 15 USC 1692i ( b ) 15 USC 1692j 18 USC 1028A 18 USC 241 42 USC 1983 Let the record show, I, private consumer in fact, REJECT, XXXX XXXX XXXX, XXXX. 's offer to contract. 

Let the record show I DID NOT AND DO NOT CONSENT to XXXX XXXX XXXX, XXXX. or any and all individuals acting under, affiliated with, or doing business with, to possess, use, or transfer ANY of my nonpublic personal information including my name, location information, telephone number, or any details regarding my experiences with financial institutions, for ANY purpose or reason, especially for unjust enrichment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: PA

Complaint narrative:
Obtained solar from a XXXX XXXX sales person at our home. We signed on a XXXX  to run for us to get a loan with XXXX XXXX  and it didn't approve. We signed nothing else and he said he would run it through others and said we were approved through Goodleap. Our solar was installed early XXXX and has never ever worked properly yet Goodleap released the entire loan amount to XXXX  before they even completed the project or had the system working properly. We were told what the payment would be but never received the actual loan papers until we called and complained. Upon receiving these we discovered our information was inputted by the sales person via the original docusign we completed. We also were told that our payment would stay stable if we applied the 26 % tax refund we would receive on the system to our loan. Afterwards we found out that it simply is a tax credit and our loan would go up over XXXX unless we paid a lump sum of over XXXX before XXXX payment. XXXX  and Goodleap the lender knew these promises and practices were not true and used shady sales and lies to sell us a subpar system that is way under valued for what we paid. We have to have another company service us which will also cost us money and Goodleap takes no responsibility for their practices. We have a at most XXXX system that will cost over XXXX due to overpriced products and predatory lending practices.

Company response to consumer: Closed with explanation