vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to XXXX, Equifax and XXXX from XXXX of 2022. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 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 ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I begin my refinancing applications with Chase bank in XXXX of XXXX. I am refinancing 4 homes including my primary residence. All of my current mortgages that I am refinancing are also currently with Chase bank. All loans are current. All four loans were offered slightly different interest rates between 3.5 % -4.5 %. Anticipating XXXX raising the interest rate I asked my Lending advisor- employee of the bank to lock the rate, end of XX/XX/2022. He confirmed the locks. However, ultimately he confessed that he did not lock when we discussed the matter and was apologetic for his mistake. He thought that interest rates would dip again and he would lock but they never did. By now each mortgage interest rates are about 2 % higher than initially quoted on total loan amount of about XXXX. Chase bank admitted the mistake as it is documented in the email correspondence but refused to accept any responsibility for mistake by their employee. I threatened legal action. After matter going up the chain they stated that they would offer me loans with interest rates initially agreed upon. Now nearly 2 months and several intermediaries ( Chase employees ) we are nowhere close to getting done. Chase has implemented process of unending document requirement in hopes of discouraging me to continue process with them or to find something that they can point to as a reason to not make the loans. I am seeking consumer protection against a major XXXXXXXX XXXX that does not want to own up to its employee 's mistake to make things right. I am writing this letter in hopes that some Federal oversight agency that is neutral, has authority to investigate my complaint and has ability to punish the lender for its wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: LA

Complaint narrative:
Capital one bank acct XXXX XXXX XXXX XXXX  XXXX I had a ( secured card ) with Capital one that just stop working one day secured for {$250.00} Capital one put it on my credit report that I owed {$230.00} I paid capital one with a certified check from XXXX XXXX XXXX XXXX that they verified was received by capital one on XX/XX/2022 it is XXXX and Capital one will not verify I paid to the credit bureaus How did I owe if it was secured for {$250.00} I paid and XXXX  will not acknowledge payment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX are reporting inaccurate addresses to my credit file. Ive send them my current California ID and also a recent utility bill with me name and current address to verify and validate my identity. I sent the letters and information through USPS priority mail with multiple attempts. Nothing has happened nor have I got a response. Only when I called in and they said they cant delete them.

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 2022-06-28 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter disputing several inaccuracies on my credit report. The company continues to state that the inaccuracies are verified. NONE of the disputed accounts have been DELETED from my credit file. 

ALL account are inaccurately reporting which goes against my rights as a consumer according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
The Comenity Bank/Comenity Financial Services website has been down now for over a week and nobody can log in and make a payment on their account ( s )- they have several stores in their company, of which I have ( XXXX ) store cards that are due on XX/XX/22, however, I am unable to log in. The same message appears that their site is down. It has been this way for over a week now, and now they are not even answering their phones. Their XXXX page ( XXXX XXXX XXXX ) is loaded with angry consumers, most of which are coming here to file a complaint. 

I just want to get my complaint on record in case they try to charge me late fees or any other wrongful fees due to not being able to access their site and pay my bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to TransUnion and XXXX from XXXX of 2017. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 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 ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.

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 2022-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is reporting on my credit and its incorrect for one I was never notified of when and where the car was being auctioned off also they never updated the account after selling the car at the auction.Also The account there reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file 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 2022-06-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This is reporting on my credit and its incorrect for one I was never notified of when and where the car was being auctioned off also they never updated the account after selling the car at the auction.Also The account there reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is reporting on my credit and its incorrect for one I was never notified of when and where the car was being auctioned off also they never updated the account after selling the car at the auction.Also The account there reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file 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 explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
According to the Gramm-Leach-Bliley Act and 15 U.S.C. 6801, my nonpublic personal information such as ( Name, Address, Birth Date, Account Number ) should not have been disclosed to any unaffiliated third party without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 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 explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I received notification that my XXXX XXXXXXXX XXXX XXXX XXXX XXXX was acquired by Comenity Capital Bank effective XX/XX/2022. I previously established automatic payments that were then voided, yet I never received a new card from Comenity, nor did I receive any subsequent email notifications about account setup or payment due. I was only made aware from a credit report alert about them reporting a delinquent payment. I immediately tried to manually find and create or log into the Comenity website, but it's been down for extended period of time. I am not able to reset a password, register for access and I am not able to make a payment over the phone despite repeated attempts. They should not be allowed to report delinquent accounts to credit bureau 's while also preventing active account holders to make a payment. 

I believe there has been a security breach that they may not be reporting. On XX/XX/XXXX, I got an email from XXXX XXXX XXXX XXXX card referencing an account ending in 4 numbers that do not match my credit card. I then received communication XX/XX/XXXX with the correct account ending numbers. There's an inconsistent experience when attempting to call in to make a payment. Once I did get through and the automated system indicated they are only accepting debit card payments, which seems unusual as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
UNDER 15 USC 1692g EXETER FINANACE LLC HAS NOT VALIDATED THE DEBT ; THEY ARE THEATENING ME AND MY REPUTATION. WHEN DEBT IS ALREADY PAID. 

On the XXXX day of XXXX, I sent Exeter financial LLC certified mail of a : 1. Non-negotiable conditional acceptance, 2. Affidavit of truth, 3.Exihits of violation under 15 U.S.C 1692 4. Invoice for violation under 15 U.S.C 1692 5.Cease and desist ( questionnaire ). 
Which was ignored, misled and not answered correctly according to the claims and assertions stated within it in " SUBSTANCE ''. 

On the XX/XX/2022, I sent a second notices to Exeter Finance LLC certified mail : XXXX. Notice of default and opportunity to cure 2. Affidavit of truth, 3.Exihits of violation under 15 U.S.C 1692 4. Invoice for violation under 15 U.S.C 1692 5.Cease and desist ( questionnaire ). 

Having failed to properly rebut the allegations presented unto them in the time requested, respondents hereby ADIMT all allegations contained to be true. 

Exeter has not proved any of their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
To Whom It May Concern, I have a Nordstrom 's credit card and have used it without issue for a long time. Every month I get an email stating that my statement is ready, I always log in and pay the entire balance due, immediately. I get many emails, many of which are bills that I always pay on time and in full. During the months of XXXX and XXXXXXXX XXXX  I did not receive any emails from Nordstrom 's. I did not notice the absence of these emails, as if anyone would. The first I heard of any past due balance was in a letter from Nordstrom 's on XX/XX/2022. Upon learning of this, I immediately paid my balance due on XX/XX/2022. However, without any notice or courtesy contact, Nordstrom 's reported this late payment to all three credit reporting agencies on XX/XX/2022. On XX/XX/2022 I wrote a letter to the three major credit reporting agencies ( XXXX, XXXX, XXXX ) disputing this late payment. Also on XX/XX/2022, I sent a Certified Letter to Nordstrom 's disputing the information they gave to the credit reporting agencies. The actions take by Nordstrom 's have had a dramatic negative effect on my credit score which has created an undue financial hardship on me. I have reached out to Nordstrom 's in writing and by phone on many occasions. They have investigated and decided that their actions were accurate and will not remove this issue from my credit report. I hope that someone can help me fix this inaccuracy and keep me from being burdened by this simple little communication issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Asset Agency, Inc.
State: TX

Complaint narrative:
The company has been contacting me for a year trying to get me to pay from a dispatch office which first contact was XXXX XXXX. The debt I owed is now in collections and they are trying to collect more then the amount owed. My debt is {$200.00} and the collector is asking me to pay {$1100.00}. They call me at all times of day and call my references and job I don't even work at. They are stating I will be sued and incarcerated if I do not pay them. I tried to settle it once but the payments were going to some off label company not the debt collector company. I don't have all the calls because of my call log history but I can provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: FL

Complaint narrative:
I mailed out on XX/XX/XXXX2022 and received no response from department of education/ XXXX in which I followed up on XX/XX/XXXX2022 via certified mail with returned label in which I received no response. They received both correspondences on XX/XX/XXXX2022 and XX/XX/XXXX2022 in which there still has been no response and it is XXXX/XXXX/22. It's now going on 67 days with no response from the original complaint date. It's under my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did not respond within the allotted 30 days.

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 2022-06-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I mailed out on XX/XX/XXXX2022 and received no response from department of educationXXXX XXXX in which I followed up on XX/XX/XXXX2022 via certified mail with returned label in which I received no response. They received both correspondences on XX/XX/XXXX2022 and XX/XX/XXXX2022 in which there still has been no response and it is XX/XX/XXXX. It's now going on 67 days with no response from the original complaint date. It's under my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did not respond within the allotted 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I mailed out on XX/XX/XXXX2022 and received no response from department of educationXXXX XXXX in which I followed up on XX/XX/XXXX via certified mail with returned label in which I received no response. They received both correspondences on XX/XX/XXXX2022 and XX/XX/XXXX2022 in which there still has been no response and it is XXXX/XXXX/22. It's now going on 67 days with no response from the original complaint date. It's under my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did not respond within the allotted 30 days.

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