vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-02 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Date : XX/XX/20, Amount XXXX, I have sent disputes to this company several times, and they are still holding inaccurate information on my reports. 

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.

15 U.S.C 1692C Without the prior consent if the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692g ( B ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
NCA National Credit Adjusters were listed on my credit report and also this was a pre paid debit card reloaded at any XX/XX/XXXX or XXXX XXXX  to reload cash amounts this is still listed on my credit even though I have documentation of this being closed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Reports different amounts to XXXX, XXXX XXXX XXXX. Constantly adjust the amount by {$1.00} ( {$670.00} ) positive {$1.00} negative ( {$670.00} ) monthly. The account is being re-aged. The inaccuracy is damaging to my credit I have wrote many letters. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 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:
Date : XX/XX/20, Amount XXXX, I have sent disputes to this company several times, and they are still holding inaccurate information on my reports. 

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.

15 U.S.C 1692C Without the prior consent if the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692g ( B ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt.

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 2022-10-02 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: MI

Complaint narrative:
Failure to perform a proper investigation. I have submitted many dispute letters online and through the mail. I have provided them with proof directly from the credit report.They continue to report information that is inaccurate as accurate.This is a direct violation an damaging to my credit. 
XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX & XXXX. 
XXXX XXXXXXXX XXXX XXXX  # XXXX. 
XXXX XXXX XXXXXXXX # 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 2022-10-02 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, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account under a open end consumer plan late on 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 explanation
Consumer complaint received 2022-10-02 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, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account under a open end consumer plan late on any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: PA

Complaint narrative:
In accordance with The Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account under a open end consumer plan late on 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 explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
During the Covid Pandemic I was laid off and had to make changes to my mortgage through the Loss Mitigation Department. But during this long Process Loancare LLC continued to report negative/late payments on my credit report which waiting on the Paperwork to be sent to my address from the loss mitigation department so that I could file them out and get them back to them. I have tried correcting this issue with them directly and in 8 mouths nothing has yet to be done.

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 2022-10-02 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Comenity Bank has not reported correctly since XXXX. For 4 months nothing was updated. Numerous online messages and complaints were sent in. They have done nothing but have an excuse of a new website. Then all of a sudden, about 6 weeks ago, they decided to report a random amount in the middle of a statement cycle. Thus my credit lost XXXX  points because of this. They refuse to fix or acknowledge they reported this random amount when indeed my balance was and has been XXXX every statement cut-off. I pay this card in full monthly and have for years. Right now, for XXXX weeks they are showing a balance of over XXXX. Now today, they are showing XXXX and my payment isn't even due till the XXXX. They reported a random amount again today, XX/XX/22 I want my correct amount fixed and reported and for this never to stress me out again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
Debt collection company lawyers ( Kirschenbaum & Phillips ) wrote me a harassing letter ( XX/XX/XXXX ) to collect a debt that was proven uncollectible in XXXX civil court after successful motion, by me, on ( XX/XX/XXXX ) removed the case to private arbitration with XXXX. The debt collection attorneys refused to pay for our arbitration fees, as stipulated by the XXXX XXXX XXXX member agreement they bought, as well as by an active court motion that ordered them to from XX/XX/XXXX. They ignored XXXX arbitration and the XXXX courts orders and offers to resolve or settle this alleged debt dispute. They proceeded to ignore, deny, and wait until they presumed all court and arbitration actions were done to resume harassing me again with letters on this unproven, uncollectible, and now statute dismissible debt. The dental debt is from XX/XX/XXXX. The Statute of limitations in New York State for credit card dental debt is now 3 Years as per a newly enacted law. They need to stop the harassment on invalid and uncollectible debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account number ; 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 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: FL

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 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
Consumer complaint received 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Back on XX/XX/XXXX I applied for the chase freedom unlimited card which has a spend {$500.00} in 3 months get {$200.00} back plus 5 % cash back on gas purchases up to XXXX for new card members. I went on the website XXXX XXXX went back and applied XX/XX/XXXX through the link that mentioned all of that. Spent my XXXX {$200.00} never showed up nor did the 5 % cash back on gas. When I first called in XXXX when the {$200.00} should have been applied, I was told by the first representative that my account wasnt eligible for ANY offers, even as a new card member. Then I was told by someone else that the offer I clicked on was expired. If that was the case why was it still being advertised? XXXX from chase executive office called me on XX/XX/XXXX and i proceeded to call her back just about every other day to speak with her. then sent me an letter in the mail on XX/XX/XXXX after I filed a complaint with the XXXX that said I was eligible for an offer that wasn't even listed on their website ( an extra 1.5 % added to the regular percentage on thank you points ). She proceeded to continue dodging my calls. Another woman ( XXXX ) called me on XX/XX/XXXX. I did not hear back from her until i called AGAIN on XX/XX/XXXX. I still didnt hear back from her until XX/XX/XXXX. She proceeded to read off of a prmpt and said based on their " research '' i wasnt eligible. When I asked how that is possible since it is advertised for ALL new cardmembers, she continued the lies. First she said that the offer had expired, then she told me it's good until XX/XX/XXXX. If that is the case then again, it should've been applied to my account. Then she told me people don't get those offers if they've already gotten a bonus that year and I told her if she looked she could see I was a brand new card holder. And I have screenshots of the offer from XXXX ( see attached ) and they just won't budge. What makes it WORSE is that my fiancee recieved a chase offer IN THE MAIL TWO DAYS AGO- SAME AS ADVERTISED ON THEIR WEBSITE CURRENTLY AND THE ONE I APPLIED FOR that they are REFUSING to give to me! I'm furious because I know chase is a good card to have but I'm completely turned off with the lying and the bait and switch. I just want to pay off the XXXX and close the card but I also want chase to stick to what they're promoting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
All hard inquiries and all soft inquiries reported on this credit profile are unrecognizable and unauthorized. No consent was given to XXXX, XXXX, or XXXX to report any inquiries displaying on this credit profile. Due to these reports that weren't given to lawful consent, the credit scores were effected tremendously with each credit bureau causing major downfalls to the consumer. All consumer laws were broken to withhold the consumer from operating in legal and lawful commerce within the past 5 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 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: CA

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 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
Consumer complaint received 2022-10-02 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: TX

Complaint narrative:
Negative account information that is over 7 years old was removed by the creditor which MUST reflect positively on my credit rating. Equifax continues to ARBITRARILY lower my credit score AFTER MULTIPLE POSITIVE actions on my part. CFPB MUST DO SOMETHING about credit reporting agencies that harm Americans ' ability to protect their credit!!! THIS IS BEYOND RIDICULOUS!!!!! Equifax VIOLATES the Fair Credit Reporting Act EVERY XXXX DAY!!!!! DO SOMETHING!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: SC

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 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