vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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 HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX continues to misreport to multiple credit agencies affecting my ability to take out and secure other loans, home rental leases and is creating barriers financially for me which is now causing me mental anguish and Fatigue from trying to mediate with them directly. Theyve kept me on hold for very long amounts of time, circled and repeated the same information when I tried to complain to them. Theres no way to work with them and my account is paid IN FULL AND THEY HAVE ME REPORTED AS BAD DEBT. I am a full time healthcare worker, I dont have time to go back and forth, this is tedious and is really affecting my way of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: KY

Complaint narrative:
XXXX removed XXXX XXXX and XXXX from my file. I have requested several times from XXXX, Transunion and XXXX to remove XXXX  XXXX  XXXX XXXX because it was included in the Bankruptcy therefore by law should be removed. 
Not doing so is causing me great hardships and emotional abuse because of the defamation of my character.

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 2022-09-23 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: KY

Complaint narrative:
XXXX removed XXXX XXXX and XXXX from my file. I have requested several times from XXXX, XXXX and Equifax to remove XXXX XXXX XXXX  XXXX because it was included in the Bankruptcy therefore by law should be removed. 
Not doing so is causing me great hardships and emotional abuse because of the defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I submitted a dispute for a transaction that occurred on XX/XX/XXXX but was posted on XX/XX/XXXX of {$96.00}, because the company XXXX  wont respond to me nor give me a refund for a subscription that I was scammed into trial and was able to cancel but still was charged. So I disputed it with chase and they put the money temporarily in my account and now today XX/XX/XXXX I get a letter that they declined my dispute and favored the company that I been trying to contact by no one will respond, kind of suspicious how they communicate with chase and cant email me back. But now they are taking the {$96.00} out of my account because I lost the claim. So I submitted an appeal and havent heard nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-23 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: KY

Complaint narrative:
XXXX removed XXXX XXXX and XXXX from my file. I sent each Credit Bureau a copy of the letter of the removel letter. Please remove XXXX XXXX XXXX from my credit report as well because they were listed on the bankruptcy report. I have sent XXXX, Transunion and XXXX several disputes to get XXXX XXXX removed from all three credit bureaus.

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 2022-09-23 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: KY

Complaint narrative:
XXXX removed XXXX XXXX and XXXX from my file. I sent each Credit Bureau a copy of the letter of the removel letter. Please remove XXXX XXXX XXXX from my credit report as well because they were listed on the bankruptcy report. I have sent XXXX, XXXX and Equifax several disputes to get XXXX XXXX removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: NV

Complaint narrative:
I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

Hard Inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 
1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
The item showing on my credit report is greatly affecting my credit and giving me difficulty in obtaining a present loan application. I request that you verify this item with CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX that they are reporting this in accordance with the Fair Credit Reporting Act Regulations as it is a serious problem to report this inaccurately.

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 2022-09-23 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: KY

Complaint narrative:
Experian and XXXX deleted a great credit history with XXXX XXXX XXXX # XXXX. It was my car payment. It wasn't due to come off because it was reported in 2012. I have asked Experian several times to put it back on my credit report. They won't do so and I am feeling targeted. I feel like they want to destroy my life with all the inaccurate negative reporting and then they are removing good payment history. Please ask them to put XXXX XXXX XXXX back on 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 explanation
Consumer complaint received 2022-09-23 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: KY

Complaint narrative:
XXXX and Equifax deleted a great credit history with XXXX XXXX XXXX # XXXX. It was my car payment. It wasn't due to come off because it was reported in 2012. I have asked XXXX several times to put it back on my credit report. They won't do so and I am feeling targeted. I feel like they want to destroy my life with all the inaccurate negative reporting and then they are removing good payment history. Please ask them to put XXXX XXXX XXXX back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: FL

Complaint narrative:
The items showing on my credit report is greatly affecting my credit and giving me difficulty in obtaining a present loan application. i request you verify these items that you are reporting in accordance with the Fair Credit Reporting Act Regulations as it is a serious problem to report this inaccurately.

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have contacted tall three credit bureaus to have them fix my credit score. I have 9-12 good payments and I am at a XXXX! I am supposed to be in the XXXX range. XXXX is totally inaccurate! I ask that this be fixed 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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have contacted tall XXXX credit bureaus to have them fix my credit score. I have XXXX good payments and I am at a XXXX! I am supposed to be in the XXXX range. XXXX is totally inaccurate! I ask that this be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have contacted tall XXXX credit bureaus to have them fix my XXXX XXXX. I have XXXX good payments and I am at a XXXX! I am supposed to be in the XXXX range. XXXX is totally inaccurate! I ask that this be fixed 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 2022-09-23 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:
On XXXX XXXX I opened for the second time a credit report dispute with Experian about a collection account they are reporting on my credit report with XXXX XXXX  XXXX. The amount on this account is showing {$1000.00}. I requested core information on this account and or contract ( XXXX ) for services, just any verifiable proof that this account belongs to be. I was not given any information from either party involved in this dispute just a message that this account is verified. I would like a copy of any type of agreement with this companys letter Head and my signature to show I am responsible for this debt. NOT just an immediate response saying debt verified. I would like a copy of the information you used to verify this debt. 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 2022-09-23 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: Eastern Account Systems of Connecticut, Inc.
State: PA

Complaint narrative:
On XXXX XXXX I opened for the second time a credit report dispute with XXXX about a collection account they are reporting on my credit report with Eastern Account Systems. The amount on this account is showing {$1000.00}. I requested core information on this account and or contract ( XXXX ) for services, just any verifiable proof that this account belongs to be. I was not given any information from either party involved in this dispute just a message that this account is verified. I would like a copy of any type of agreement with this companys letter Head and my signature to show I am responsible for this debt. NOT just an immediate response saying debt verified. I would like a copy of the information you used to verify this debt. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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:
EXPERIAN... XXXX AND XXXX XXXX .ALL HAVE DIFF DATES ON THEIR SITES ... OBVIOUS MISTAKES AND THEY WILL NOT HELP OVER THE PHONE AND WHEN YOU DISPUTE AN ITEM ... ITS NOT CORRECTED OR INVESTIGATED AND YOU TRY AND DISPUTE IT AGAIN BECAUSE ITS WRONG... .THEIR COMPUTERS KICK YOU OUT AND DONT LET YOU DISPUTE ERROR THAT HAS NOT BEEN FIXED... .AGAIN AND AGAIN AND AGAIN. ON THE PHONE THEY WONT REMOVE OBVIOUS ERRORS AND THE DISPUTES ARE NOT RESOLVED PROPERLY OR THEY ARE LEFT IN THE HANDS OF THE CREDITORS ... XXXXALL 3 HAVE HUNG UP ON ME WHEN I QUOTE THE FCRA AND THEIR RESPONSIBILITIES ... .CFPB IS NO HELP AT ALL ... .WHY DO YOU ALLOW THEM TO TOY WITH PEOPLES LIVELIHOOD ... .AND GET AWAY WITH IT ... ..HOW IS IT CFPB IS A BANDAID ... .ON A CUT THAT NEEDS STITCHES ... .CREDIT BUREAUS ARE GETTING AWAY WIRH MURDER AND YOU TELL THE AVERAGE WORKING PERSON TO GO TO COURT ... .WHY AM I GOING TO COURT TO PROVE THEY ARE WRONG ... .I HAVE XXXX CASES ON MY REPORT WHERE IVE MADE NO PAYMENT ... .CREDITOR CANT PROVE IT ... .BUT THEY KEEP IT THERE AS IS ... A BLATANT LIE ... AND THERE IS NO REAL RECOURSE OR PENALTY TO OR FOR THEM SO THEY KEEP DOING THE SAME THING THEN A COMPUTER GIVES U A CODE AND REJECTS DISPUTES THAT HAVE NOT BEEN RESOLVED MOBTHS XXXX MONTHS GO BY AND NOTHING... .WHAT GOOD IS THIS SYSTEM THAT ONLY BENEFITS THE COMPANY GETTING PAID TO HELP CROOKED BUSINESSES WHO DONT CARE ABOUT PUBLISHING WRONG INFO AND DOING SO KNOWINGLY ... XXXX HAVE XXXX ACCTS THAT HAD CLOAED DATES ... REPORTED BY CREDITOR THEN WHEN I DISPUTE IT ... .CREDITOR SUBMITS " NEW VALIDATED CLOSED DATES '' HMMMM

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 2022-09-23 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: MI

Complaint narrative:
Experian is making a joke towards the CFPB 's ability to enforce regulation : On XX/XX/XXXX I filed a complaint # XXXX - XXXX against Experian. Here is that complaint : Concerning complaint # XXXX filed on XX/XX/XXXX, Experian claimed the XXXX account hd been reported timely. I am asking for Experian to answer the following questions. 
XXXX. What date did Experian receive the AUD from XXXX for the XXXX, XXXX update? 
XXXX. What date did Experian report that information from XXXX to update my credit report. XXXX. Did Experian calculate the XX/XX/XXXX information with the credit score they reported. I find it difficult how my credit to ratio dropped from 70 % to 47 % once the new balance from XXXX posted, yet incredibly my credit score stayed the same at XXXX? 

Experian response : We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. Unfortunately, at this time, we are unable to process your disputes, as they are not specific. 
As you can see, my complaint is as SPECIFIC as can be. Experian claims it is NOT specific. Meaning Experian can not answer because doing so will would be admitting guilt. 
Here are my question again : * XXXX. On What date did Experian receive the AUD from XXXX for the XXXX, XXXX update? 
XXXX. What date did Experian report that information from XXXX to update my credit report? 
XXXX. Once the new balance from XXXX was reported my credit available to credit limit percentage dropped from 70 % to 47 %. Yet my credit score Experian reported did not change. Is the amount of credit I use compared to the amount of credit I have available a factor when credit scores are compiled and from their knowledge how much of a factor does the FICO scoring system put into the balances to consumers revolving credit?

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 2022-09-23 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: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
In accordance with the consumer fair reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Meridian Financial SVC ACCT : XXXX Meridian Financial Acct : XXXX 15 U.S.C 1681 602 a : I have a right to privacy 15 U.S.C 1681 A section 2 A credit reporting agency can not furnish an account without the consumers 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 2022-09-23 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
{$8500.00} payment made on XX/XX/XXXX, balance reduced but avaliable credit went to {$0.00} and has stayed. Contacted TD multiple times regarding when it was updated and have been told they can't tell when it will be updated. The payment cleared my bank on XX/XX/XXXX. At this point I am not sure what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had an account with XXXX and the last XXXX numbers of the account were : XXXX. 

According to my records, my last payment was In XXXX of 2015. I have tried to get XXXX to change the date several times and I keep getting responses where XXXX doesn't verify the dates, but accepts the card issuers statement as true. Herein lies the problem, there is no verification.

Company response to consumer: Closed with explanation