vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-18 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: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXX Balance : {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I made a purchase of {$410.00} on XX/XX/XXXX that was supposed to ship out and never did. I reached out to the company that I purchased this from on XX/XX/XXXX. I did not hear a response by XX/XX/XXXX, so I sent a follow-up email regarding my request. On XX/XX/XXXX, I finally received a response letting me know that I could cancel the order, minus a 10 % cancellation fee. When I found that out, I told them that I would like to keep the order, but did not hear back. 

On XX/XX/XXXX, I filed a chargeback in the full amount through PayPal Credit and through my PayPal account ( two separate disputes ). On XX/XX/XXXX, I finally got a response from the company I purchased the product from, stating that they would be happy to ship the product out that day if I canceled the dispute. I did not respond, as I wanted to continue the dispute. 

On XX/XX/XXXX, I received an email from the company I purchased the product from, stating that my order was refunded, with a chargeback and - {$410.00} listed on the receipt. 

On XX/XX/XXXX, I received a charge for {$410.00} on my account ( again ). On XX/XX/XXXX, I received a letter from PayPal Credit, notifying me that the dispute did not end in my favor, and that the charge was placed back on my account. 

On XX/XX/XXXX, I reached back out to PayPal Credit to dispute the purchase again, citing the new receipt that I was given stating that I was going to be given a refund by the company I purchased the product from. On XX/XX/XXXX, I checked the status of the dispute to see that it was closed again in the sellers favor.

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 2023-03-18 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: CA

Complaint narrative:
Experian stated that my accounts were properly investigated, how is this possible if the late payment dates are inaccurate and are not reporting fully on each bureau. 
the open date is inaccurate, the date of last active is inaccurate, balance owed is inaccurate, and date of last reported is not accurate. Federal law state that any inaccurate information on a consumer report most be deleted, PICTURE OF 3 BUREAU REPORT SHOWING INACCURACIES

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 2023-03-18 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XXXX, XX/XX/XXXX XXXX a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ny XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that you remove them immediately : Account Name : XXXX  Account Number : XXXX Reason : Account is fraudulent Please respond to me with an updated copy of my credit report once these accounts have been removed. 
Thank you, 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 2023-03-18 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: AZ

Complaint narrative:
I have on numerous occasions attempted to rectify a few discrepancies within my consumer report. Under the law, it is the job of the consumer reporting agency to make sure that the information that they are reporting is accurate. As the consumer I have notified the agency to remove the following items : XXXX XXXX XXXX XXXX ) To date these unverifiable accounts remain on my consumer report. 
The consumer reporting agency should be able to see that these items have been previously disputed without a proper investigation/ or verification method. I am requesting that the consumer reporting agency reinvestigate these accounts by manual verification. If any item is to come back as verified please provide this information pursuant to 15 US Code 1681 ( i ) ( 6 ) ( b ) ( iii ) : 1. A description of the procedure 2. Name of the business 3. Business address 4. Business phone number 5. Name of the agent 6. Most importantly, if my personal information such as my date of birth, ssn, and/or address was provided to you without my consent for verification purposes.

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 2023-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I applied for short sale on my home and submitted all the documents requested and recieved a letter stating that the file was complete but shell point continually and persistently keeps scheduling foreclosure sales on my home even after sending a letter stating that the file was complete, i know that the California Home Owners bill of rights has laws and guidelines in place protect homeowners from these violations, one thing is being said in writing and another thing being done in fact i recieved a email on XX/XX/23 stating once again all the document were in, I should not have to live under constant stress by the servicing company while I`m trying to sale my home sending foreclosure notices to my home i expect my rights to be protected under the law, and not deal with this harrassment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Didn't remove old account from my credit report from 5 to 8yrs ago. Still showing up on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This complaint is equally directed at XXXX reporting agency, XXXX reporting agency, and XXXX Reporting Agency. 

In accordance with the Fair Credit Reporting Act, this Creditor has violated my rights.

Under 15 USC SEC.602 ( a ) states I have a right to privacy.

15 USC 1681 SEC.604 ) A ) Also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666 ( b ) 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 explanation
Consumer complaint received 2023-03-18 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: SC

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown inquiries on my credit report. On this day, 40 days later Ive yet to receive a response. I feel that Im being ignored and taken advantage of in regard to the lack of care being given to my concerns. Section 611 ( a ) states that a failure to investigate these items of my dispute within 30 days, gives a reason to immediately remove them from my credit report. It has been over 30 days so they should be deleted promptly. I demand that this inquiry be deleted immediately or my next course of action is to file for litigation, due to the stress this situation has caused me.

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 2023-03-18 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: AZ

Complaint narrative:
I have on numerous occasions attempted to rectify a few discrepancies within my consumer report. Under the law, it is the job of the consumer reporting agency to make sure that the information that they are reporting is accurate. As the consumer I have notified the agency to remove the following items : 1.XXXX XXXX  XXXX XXXX ) 2XXXX XXXX XXXX XXXX  ( XXXX ) To date these unverifiable accounts remain on my consumer report. 
The consumer reporting agency should be able to see that these items have been previously disputed without a proper investigation/ or verification method. I am requesting that the consumer reporting agency reinvestigate these accounts by manual verification. If any item is to come back as verified please provide this information pursuant to 15 US Code 1681 ( i ) ( 6 ) ( b ) ( iii ) : 1. A description of the procedure 2. Name of the business 3. Business address 4. Business phone number XXXX. Name of the agent XXXX. Most importantly, if my personal information such as my date of birth, ssn, and/or address was provided to you without my consent for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
This is a follow up to my original complaint and a response to the correspondence from Comenity Capital Bank. 



Dear XXXX XXXX, Thank you very much for your response to my complaint filed with the Consumer Protection Finance Bureau, I appreciate it.

However to truly address my concerns you would have to take note that the situation happened as a result of the misleading information that was given to me by your representative. I was falsely informed that the {$40.00} turned {$54.00} late fee due to XXXX XXXX XXXXXXXX was going to be waived by your bank that was taking over the XXXX credit card. 
I stupidly trusted what I was told and did nothing, sadly that resulted in me accruing {$120.00} late fees, a late payment notice to the credit bureaus affecting my credit score, and my request to close the account being ignored for almost four months until filing this complaint. 

I appreciate you waving the {$5.00}, however to get the resolve that I believe I'm owed would mean you investigating my account further, realizing I made one charge on the XXXX XXXX account and paid it in full ( though my check went in the mail late ), which resulted in the excess fees from your bank. I'm totally fine paying the original {$40.00} late fee that was owed to XXXX but would like ALL of the additional fees that you charged me resulting from the misleading information given by your representative reversed, and a check mailed to me. 



Thank you very much in advance for your consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
on XX/XX/2023 I sent the consumer reporting agencies a letter about an inaccurate late payment on my consumer report and also letting them know that they are violating my rights as a federally protected consumer As of today XX/XX/2023 the consumer reporting agencies has disregarded my Request and once again violated my rights under the FCRA and they are also not complying with their own policies in a timely manner. 

the law States that the CRA 's has 30 to 60 days to investigate the consumer request and if the information on the consumers report can not be verified it has to be deleted from the consumers report. so now its been well over 75 days and the inaccurate Information has not been verified and its still reporting on my consumer reports and the CRA 's has missed there deadline so I'm demanding this information be deleted from my consumer report immediately.

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 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX stated that my accounts were properly investigated, how is this possible if the late payment dates are inaccurate and are not reporting fully on each bureau. 
the open date is inaccurate, the date of last active is inaccurate, balance owed is inaccurate, and date of last reported is not accurate. Federal law state that any inaccurate information on a consumer report most be deleted,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On or about XX/XX/XXXX I was notified by email that I had changed my mobile alerts to XXXX XXXX XXXX, within minutes another email congratulating on my new checking account, then another one stating I added a new bill payee XXXX XXXX. I immediately tried to log into my account in which I could not due to wrong password. I called and told them what was going on, the lady wanted to know if i needed the account unlocked I told her absolutely not that was not me and i need everything froze until we figure it out. she said ok when I asked what my next steps were she had no idea no help. I then made a identity theft complaint with the ftc and within that time I had noticed that my XXXX XXXX was also breached, XXXX XXXX XXXX  and XXXX when I looked onto my accounts more closely. There were charges not mine dating back to XX/XX/XXXX. I then mailed out to all the companies a debt validation letter. Chase returned there response that they could not verify the debt as being mine. Now mind you I had three credit cards through Chase and when they closed them you can imagine the devastation that took on my credit score, I had a XXXX it dropped to XXXX. Then of course my other credit card companies followed suit devastating my credit even more. I have always kept my account current and I have been a customer of Chase for over 15 years my cards where over 9 years. I have received notice that I had a negative late payment mark on my credit indicating a lowering of my score, I went to see what it was and it was from Chase. They have done nothing to investigate the fraudulent opening of a checking account the bogus payments on my credit cards for them to be used immediately withdrawing said funds and then stopped payment on said cards. After they could not verify my account balances as belonging to me and after they had written off the " bad '' debt. 
I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: GA

Complaint narrative:
A collection on a credit report should Never have a past due amount and shouldn't. show as a open account have balance and a high balance and should have a full account number and not asterisk at the end. As you can see on pages 5,6,7,8 of my TransUnion Credit Report Account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX NCA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX all of these accounts have those errors, according to FCRA Section 623- Deems it a violation to report information with actual knowledge of errors. A person shall not furnish any information. Relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate, all information reported to a consumer. credit report must be 100 % accurate if not it must be deleted from a consumer credit report. By Law 15USC 1681s-2 Responsibilities of Furnishers of reporting information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibiltion ( a ) Reporting information with actual knowledge of errors, A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate as you can see in the attachments

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 2023-03-18 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: NY

Complaint narrative:
XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ny XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX I recently reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that you remove them immediately : Account Name : XXXX Account Number : XXXX Reason : Account is fraudulent Please respond to me with an updated copy of my credit report once these accounts have been removed. 
Thank you, 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 2023-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I submitted a dispute about my permanently discharged federal student loan reporting as open with a balance. And XXXX and transunion closed my dispute and said the information was accurate and would remain on my report as it was.

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 2023-03-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I submitted a dispute about my permanently discharged federal student loan reporting as open with a balance. And equifax and XXXX  closed my dispute and said the information was accurate and would remain on my report as it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax will not remove tge in accurate reporting of my permanently discharged federal student loan. It says open with a balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
I just went to the court house of XXXX XXXX and went to the record department to find XXXX pages of complaints and false judgements tell autovest next time they attempt to lie and say they served me and lie about several things to make sure the contract has an account number this is fraud

Company response to consumer: Closed with explanation