vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-30 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: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I sent letters to Harley Davidson and XXXX XXXX requesting that they update my credit report. Both companies are falsely reporting my account as 90 days late even though both accounts were paid in full in XX/XX/XXXX. By not properly reporting the accounts as current or closed ( as all other companies do ) they are  affecting the algorithms which cause a negative effect on my credit scores. If they believe that I was late, that is reported in the history. Harley Davidson is still reporting this account as open on XXXX even though this account was paid off in XX/XX/XXXX. Both Harley Davidson and XXXX are reporting a late payment in XX/XX/XXXX on XXXX. This appears to be an attempt to re-age this account. 
I noted that only the auto industry reports this way, all other accounts are reported differently, and it appears that XXXX XXXX may also be complacent in this process. Sense most consumers who buy new vehicles are likely to upgrade every 4 or 5 years and the credit reporting agencies report these records for 7 years, this does affect consumers when purchasing another vehicle ( as well as other credit ). 
Neither company reported the account as disputed within the 30-day time period allowed. XXXX received and signed for a certified letter on XX/XX/XXXX and Harley Davidson sign for a certified letter on XX/XX/XXXX. I have copies of the certified letters as well as my credit reports showing that they never notified the Credit Reporting Agencies the accounts are disputed. 
Both companies are in violation of 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: FL

Complaint narrative:
I am formally writing this letter of complaint to you in regard to Experian Credit Bureau. 

Experian has violated FCRA rules and consistently failed to delete several inaccurate, unverifiable, adverse and erroneous accounts that they posted on my credit report. These inaccurate accounts are as follows : XXXX ( account # XXXX  ) in the amount of {$570.00} and XXXX  ( account # XXXX  ) in the amount of {$570.00} Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also will enclose the lettered copies of my communication to XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and & Section 611 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a consumer credit report. Ill enclose the copies of several letters ( with certified mailed receipts ) that I sent to Experian in request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the adverse the accounts they continue to post on my credit report. I have suffered extensive grief and emotional distress due to Experians failure to accurately verify these accounts, resulting in my inability to obtain credit. I have also advised Experian that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

In the absence of such documentation ( an original Consumer Contract ) bearing my signature, I formally request Experian immediately delete the aforementioned derogatory accounts from my credit report associated under my Social Security number. I will litigate if this request is not honored.

Note : This CFPB complaint is solely directed to Experian Credit Bureau.

Thank you.

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 2019-01-30 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: NC

Complaint narrative:
In XX/XX/XXXX I reviewed my credit report and noticed several accounts i believe to be fraudulent. I believe these accounts come from one of two security breaches i was involved in the XXXX  data security breach of XX/XX/XXXX and the XXXX  XXXX  XXXX  breach of XX/XX/XXXX. i would like these items removed from my report as soon as possible. I am a victim of identity theft and need these items removed 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 2019-01-30 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: NC

Complaint narrative:
In XX/XX/XXXX I reviewed my credit report and noticed several accounts i believe to be fraudulent. I believe these accounts come from one of two security breaches i was involved in the XXXX data security breach of XX/XX/XXXX and the XXXX XXXX XXXX breach of XX/XX/XXXX. i would like these items removed from my report as soon as possible. I am a victim of identity theft and need these items removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: DC

Complaint narrative:
I've received notices from companies XXXX XXXX and XXXX that there were some items on my credit report impacting decisions made towards my credit worthiness. Given that I just purchased a second home ( XX/XX/2018 ) and my current score is XXXX as of XX/XX/XXXX based on the information that XXXX XXXX ( XXXX XXXX XXXX ). On the document it says the following : Several delinquent accounts High Balances ( two home loans ) I don't have any delinquent accounts and if I did, I wouldn't be able to purchase another home. I've reached out to Equifax before about this issue and was given the run around. This agency never provide responses that are useful or makes changes. The information that they provided is never accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: GA

Complaint narrative:
Equifax is refusing to remove/block fraudulent accounts from my credit report after being properly disputed and shown a proper identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : XXXX  - Opened XX/XX/XXXX - {$41.00} XXXX - Opened XX/XX/XXXX - {$130.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Account # XXXX - {$3300.00} XXXX XXXX ( XXXX XXXX ) - Opened XX/XX/XXXX - {$65.00} XXXX XXXX ( XXXX ) - Opened XX/XX/XXXX- {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
For the past 4 months, Navient has been reporting delinquent to all credit bureau on my student loans. However, I was placed in a payment plan back in XX/XX/XXXX for the amount of {$220.00}. I made a payment the day of the agreement to bring my account current. For the past 3-4 months, Navient has withdrew the amount of {$220.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. For those consecutive months, I've been getting hit with negative points on my XXXX. I called to investigate and supposedly I was kicked out the program and arrangement I had made but yet money was still being taken out my account. My question is why would they continue to take money out my account if I was taken out the arrangement that was made for the {$220.00}? So I decided to STOP all payment to Navient until the issue is solve. Either way my XXXX is suffering. I think it's unfair and bad business practice. The whole point of me making the payments is to help my cripple credit score in the first place. So unfair!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
On or about XX/XX/XXXX, Diversified Consultants added, once again, an account that has already been identified as not mine back in XX/XX/XXXX. This is the same company that was included in a federal lawsuit filed in the State of IL and subsequently dismissed when Diversified Consultants removed the account. 

This company continues to report an account that is not mine and they have never provided, in past communications, any proof that the account is valid. Their assumption is based on a name only and nothing else. This needs to stop, and they need to remove this account from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for the American Express Gold card with the referral link from my friend, which says I will get XXXX XXXX points after spending {$2000.00} in three month. When I applied for it online, everything seemed fine and the website DID NOT say I will not get the welcome bonus. However, after spending {$2000.00}, I didn't receive any bonus, and I called their representative. The first representative lady told me that I should be able to get that bonus, and let me wait for a month to see if that is the case ; turned out no. Then I called again, the second representative said that she would file a complain for me and let me check after 4 weeks ; no one contacted me since then and after I checked, nothing has happened and my bonus was still declined. It was after several calls and about 2 months that a representative finally submitted a CASE to research for me, and I was just told that my bonus was rejected by the system and there was nothing they can do about it. This is unacceptable that I wasn't informed that I can not get the bonus before I submitted my application. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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:
I was a victim of identity theft I have sent in documentation and they removed the item only to have it resubmitted on my report. Now I call the company XXXX XXXX and I stated that that was not my account I have never done business with them and don't even know who they are. Now here is the kicker they said I need to come into a branch!! I said exactly that's what should have happened from the beginning and the is no branch in Pennsylvania so how could I have ever opened an account with you??? where is the documentation or proof that I contracted into business with you EVER!!! so the fact they have zero proof I ever signed up to do business with them that in itself would not stand up in any court in the United States fact.! I need this permanently removed and them to stop causing harm to my creditworthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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:
I was a victim of identity theft I have sent in documentation and they removed the item only to have it resubmitted on my report. Now I call the company XXXX XXXX and I stated that that was not my account I have never done business with them and don't even know who they are. Now here is the kicker they said I need to come into a branch!! I said exactly that's what should have happened from the beginning and the is no branch in Pennsylvania so how could I have ever opened an account with you??? where is the documentation or proof that I contracted into business with you EVER!!! so the fact they have zero proof I ever signed up to do business with them that in itself would not stand up in any court in the United States fact.! I need this permanently removed and them to stop causing harm to my creditworthiness

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 2019-01-30 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: GA

Complaint narrative:
I have submitted multiple requests to Transunion via fax and mail in reference to the fraudulent accounts and inquiries reporting on my credit file. The other two bureaus have found these to be fraudulent as well and has deleted these accounts. I have submitted my fraud documentation to include a police report and I have had no correspondence form Transunion that they are even investigating these items.

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 2019-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I want to start off by saying this is a awesome travel card if it wasnt for all the hoops and hurdles that you had to jump through. This all started out when I asked for a credit line increase I was told in a letter that I was approved for the increase about a week later looking on my account they had taken it back. Ok why I asked? After taking a hit on my credit report ( Hard inquiry ). No one could tell me why. So I after calling back several times someone finally told me that they didnt know why, It shows that I was approved but it didnt show why the decrease happened. but if I wanted to they could run my credit again. For another hit to my credit report ( HARD INQUIRY ) .... Just wanted to hear you right Ive been with this company for a while now, you can see that I pay this bill on time every month. so instead of you basing it ( Credit Increase ) on that alone you want to pull my credit again??? I would of been ok with not approving me but to approve and then unpprove me is wrong no call no email nothing come on CHASE This is unfair to not only me but to all consumers/customers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Key Management Company of Missouri, LLC.
State: OK

Complaint narrative:
I applied for a small loan. I got the loan and made payments on time by phone. A situation has come up where I am not able to make the payments on the scheduled date. After several calls from XXXX XXXX at my place of employment they told my coworker they needed HR for garnishment. That is a violation of Consumer Debt Act. Secondly the coworker explained to them that this was a business and not to contact me here. They continued. On XX/XX/XXXX, I made a payment that I could manage to pay as well as a cease and desist letter advising them that they are not to contact me by phone as they call during working hours and I was now on probation for the excessive calls. I also made it known to not call my references/third parties and to have any further communication with me through mail. They have continued to call me daily. Today XX/XX/XXXX They called a reference/third party which again is a violation of consumer debt as I have given them written notice to not contact my references. I also provided them with proof of a garnishment already in place by another facility so threatening garnishment wasn't helpful nor telling my job they wanted to do a garnishment as they, by law, can not state that information. I would like to know what my options are since my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent letters to XXXX XXXX and XXXX  XXXX requesting that they update my credit report. Both companies are falsely reporting my account as 90 days late even though both accounts were paid in full in XXXX. By not properly reporting the accounts as current or closed ( as all other companies do ) they are affecting the algorithms which cause a negative effect on my credit scores. If they believe that I was late, that is reported in the history. XXXX XXXX is still reporting this account as open on XXXX  even though this account was paid off in XXXX. Both XXXX XXXX and Santander are reporting a late payment in XX/XX/XXXX on XXXX. This appears to be an attempt to re-age this account. 
I noted that only the auto industry reports this way, all other accounts are reported differently, and it appears that XXXX XXXX may also be complacent in this process. Sense most consumers who buy new vehicles are likely to upgrade every 4 or 5 years and the credit reporting agencies report these records for 7 years, this does affect consumers when purchasing another vehicle ( as well as other credit ). 
Neither company reported the account as disputed within the 30-day time period allowed. Santander received and signed for a certified letter on XX/XX/XXXX and XXXX XXXX sign for a certified letter on XX/XX/XXXX. I have copies of the certified letters as well as my credit reports showing that they never notified the Credit Reporting Agencies the accounts are disputed. 
Both companies are in violation of 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: IN

Complaint narrative:
Dear Experian, RE : Acct : XXXX Report Number : XXXX This account was under dispute and came back verified in XX/XX/XXXX and XX/XX/XXXX. I recently submitted a dispute asking that you delete the account due to multiple inaccuracies being reported by this account that doesn't even involve whether or not the account had been verified. All you did was update the account and still have failed to report it correctly. A collection account can not have a past due amount for sheer fact that a collection account is already a past due balance, therefore it itself can not have a past due balance. 
- This collection account reports 1 months terms - This collection account has been disputed and I have asked for method of investigation as well as who verified this account and Experian has failed to provide this information at every turn. 

This is not request for another dispute, investigation or re-investigation. 
Either provide the information asked for or remove this account 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 2019-01-30 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has put a negative statement on one of my accounts. The account in question was a refinance of an existing account. Instead of stating that. Transunion said my account balance increased as if it was a bad thing.

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