vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-08 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: MA

Complaint narrative:
XXXX, XXXX and equifax are in violation of reporting credit card balances and credit cards payments when 15 U.S. Code 1681 says that it should be excluded. 


report containing information solely as to transactions or experiences between the consumer and the person making the report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) 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 ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: RI

Complaint narrative:
BACK IN XXXX OF 2021 I SUBMITTED A CONDITIONAL ACCEPTANCE FOR VALUE AND COUNTER-OFFER/CLAIM FOR PROOF OF CLAIM and TENDER OF PAYMENT OFFERING, TO THE LOAN SERVICING COMPANY WHO WAS HANDLING THE ALLEGED DEBT. THIS WAS DONE VIA CERTIFIED MAIL. NO RESPONSE. REPEATED THE PROCESS WITH THE LOAN SERVICER AND AGAIN NO RESPONSE. WAS LOOKING TO HAVE THE DEBT VALIDATED. THEN IN XXXX OF 2021 THE LOAN SERVICER ASSIGNED THE ALLEGED DEBT TO ANOTHER LOAN SERVICER. ONCE I FIND OUT THIS HAPPENS. I PUT TOGETHER ANOTHER PACKET WITH DETAILED INFORMATION ADVISING HOW THE ORIGINAL LOAN SERVICER DID NOT RESPOND TO MY INQUIRY IN A TIMELY FASHION IN XXXX OF 2021 INVOKING MY RIGHTS UNDER THE FAIR DEBT COLLECTIONS PRACTICES ACT. NO RESPONSE. SENT A SECOND PACKET ADVISING THAT LOAN SERVICER RESPONDS AND THEY HAVE NOT. THIS IS THE THIRD MOVEMENT OF THE ALLEGED DEBT. IM LOOKING FOR VALIDATION OF THE DEBT POINT BY POINT UNDER PENALTY OF PERJURY. THEY HAVE NOT RESPONDED TO MY INQUIRIES AND SILENCE IS ADMISSION OF GUILT.

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 2022-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
For months on end ever since I purchased my band new car back in XXXX, I experienced difficulties getting coupon payment booklets. Not only that, the most important part is I am not able to log in with my credentials to SUBMITT PAYMENTS TO FIFTH 3RD 'S BANK PORTAL! THIS HAS BEEN AN ONGOING PROBLEM FOR OVER TWO MONTHS NOW AND STILL NOT RESOVLED. 

I HAVE A MASTER 'S DEGREE IN ENGINEERING WITH TWO UNDERGRADUATE DEGREES, ONE IN MATHEMATICS, THE OTHER IN COMPUTER SCIENCE. 

These people are deliberate preventing me from logging into the Portal to submit payment. Everytime I call for help, I keep getting there phone automated system such that the ask me for account information or SS #. 

I provide my SS # everytime and they can not verify and validate my identity. Its completely ridiculous they are doing this ; my auto loan with XXXX XXXX was never a problem, my two other Auto Loans with XXXX XXXX XXXX XXXX has not ever been a problem. 

However, Fifth 3rd Bank does not allow me to provide my correct login credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1971 SSN : XXXX PH : XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX  My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

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 2022-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I obtained a 36 month lease from XXXX XXXX XXXX for a XXXX XXXX XXXX in XX/XX/2021 with financing through Chase bank. The lease information was incorrectly filled out with my husband 's birthday instead of my birthday ( lease is in my name only ). Therefore, this account was unable to be added to my existing Chase online bank profile due to the discrepancy. 

I called both Chase online support and Chase Auto Finance and faxed my driver 's license as proof of my birthday to have the information corrected. I received notification on XX/XX/2021 that the birthday was corrected with Chase Auto Finance. 

I then called Chase online support and Chase Auto Finance innumerable times ( totaling at least 8 hours on the phone ) on multiple occasions and no one can fix my problem. Chase Auto Finance says the birthday is correct, there is nothing for them to " fix. '' Chase online support says the birthday is NOT correct and therefore they can not merge the accounts and add this lease to my online profile. 

At one point, it was recommended for me to go to a Chase branch. There is no Chase branch within 1.5 hours of my home. This is an unreasonable request. 

Due to the unreliability of USPS, I have missed one mail payment which resulted in a late fee and likely at a detriment to my excellent credit score. 

Since both parties involved seem unable to correct their mistake, I am hopeful this will help my situation. All I want is for my XXXX lease to be added to my online Chase profile, so that I can make my payment efficiently and on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-08 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: PA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any Influence from any third party or agency. Please see attached files with my ID. I received a copy of my credit report and I am disputing Inquiries that need to be deleted. I have listed the Inquiry, and the date it was furnished below. 

1.XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 5. XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX Date of inquiry : XX/XX/XXXX 7. XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX 8. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10XXXX Date of inquiry : XX/XX/XXXX 11. XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove the inquiries from my account.

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 2022-01-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1971 SSN : XXXX PH : XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

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 2022-01-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1971 SSN : XXXX PH : XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Bureau of York, Inc.
State: PA

Complaint narrative:
CBY  has not reported the correct balance to credit bureaus since XX/XX/XXXX. I paid the remaining balance off on XX/XX/XXXX. I called CBY to confirm. I was told that they would contact the original creditor ( XXXX XXXX ) to let them know the balance has been paid. The lady also told me to give it about 15 minutes for them to contact XXXX XXXX. I never received a call back from anyone. I was required to pay in order to get my XXXX done. 
Today, XX/XX/XXXX, XXXX XXXX called me to schedule my appointment for my XXXX and then said they couldnt schedule me because their billing office has a block on my account because XXXX never called to confirm my paid in full balance. I called CBY and was told once again that they would call XXXX XXXX to confirm the balance was paid. It was never done on XX/XX/XXXX! Once again I was told to give it about 30mins and CBY would call me to let know that they have contacted XXXX XXXX. For the 2nd time I didnt get a phone call. 

I am not sure what type of game this company is running but I want this situation fixed. My XXXX is DESPERATELY needed and CBY does NOT care at all. They had no problem calling me in XXXX asking for a payment. I was able to make one in XXXX due to XXXX and was on a leave from work. Legal measures will be pursued if these issues are not addressed. The older lady I spoke with on both occasions had been so sweet and I tried not to get upset with her. I know its not her fault. I want CBY to contact XXXX XXXX and confirm my paid in full status. Im addition to this action, this account needs to be removed from my credit report immediately due to not reporting accurate information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collectibles Management Resources
State: CA

Complaint narrative:
Debt validation letter was sent to Collectables Management Resources on XX/XX/XXXX. 
Collection Agency failed to validate debt. Called Agency on XX/XX/XXXX. Agency failed to validate debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: OH

Complaint narrative:
I file a complaint and I didnt receive any validation of debt. I do know they in violation of 1692c ( a ) they are a third party and I never gave them consent to contact me. Also XXXX XXXXXXXX is in violation of bill error 15 usc 1666d. Also bills and coupons are obligations of the United States pursuant to 18 usc 8. So I dont owe anything to the XXXX XXXXXXXX sent out a coupon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My Card had an available balance of my money of + {$1800.00} on XX/XX/XXXX. I have not made any transactions or withdrawn any money since then. My card was hacked by hundreds ( around 500 ) of withdraws transactions labeled XXXX INTERNET , California or XXXX XXXX XXXX XXXX XXXX, California mostly on XX/XX/XXXX and XX/XX/XXXX, almost all the transactions were in the amount of XXXX, XXXX, and XXXX, which drained my balance to XXXX $ on XX/XX/XXXX. 
I filed a complaint with the company and my claim # is XXXX, they gave me a credit of around 100 transactions in the amount of {$320.00} onXXXX and XX/XX/XXXX and promised to do the rest later. They still need to retrieve {$1500.00}. 
I have spoked with 4 of their agents on 4 different dates including the manager to complete the process but all they have been telling me is promises with no actions, I have spoken with XXXX in XXXX, XXXX in XXXX, XXXX in the middle of XXXX, and XXXX in XXXX. 
Please I need this to be resolved, it is going on for almost 4 months with no resolution at the end. 
Please I need help to get my money back and I am asking your 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 monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

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 2022-01-08 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX OF XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

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 2022-01-08 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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