vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex suddenly closed my account without any reasons. I paid annual membership fee but they would not even refund it after they canceled my account. I need to know why they cancel my account, and whether they can reinstate my account. If not, please refund the annual membership fee I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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 tried to pay off my auto loan with XXXX XXXX XXXX they said they would wait until XX/XX/XXXX for my payment because I was paying my car in full I paid said car loan off and now are saying I was 30 days in which I wouldve only been 16 days late late on my payment on the day it was paid in full

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 2022-09-04 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: GA

Complaint narrative:
I have rights under 15 usc 1681. 
Equifax is also govern under 15 usc 1681. They have violated my right 's numerous times. I demand all accounts listed be removed. 

According to 15 USC 1681 : I have a right to privacy and I did not give Equifax writes to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: IN

Complaint narrative:
I applied for a car loan after speaking with a salesperson who said they would guarantee me the rate and the price I was looking for. They also agreed only to pull my credit through their business and nothing else. They ended up pulling my credit 5 times, told me I was approved for a different amount and then never returned my calls or texts. This was XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I went to another car dealership. I asked for the same thing - one credit pull. They did, and I was approved for XXXX XXXX XXXX When I came in person to the lot to find a car, the employee said the person who originally pulled my credit wasnt available so he would have to start the process over. I told him I didnt want my credit pulled again, could he just look at the results from before. He said yes, but still pulled my credit from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have been building and working on my credit so I can refinance my home in my name. I do not want hard inquiries piling up. I went to get a pre-approval for a credit card and I discovered multiple hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( twice )XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The last two hard inquiries I do not recognize at all.

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 2022-09-04 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: FL

Complaint narrative:
I filed a previous report # XXXX against equifax and they have since removed the inquires and updated my credit file per the myequifax.com checked today. I found that things that were previously disputed that were corrected and/or deleted has reappeared due to my complaint. Please have this information to go back to the statuses it was as we have been through this battle before for 2 years. 
1.XXXX  xxxxxxxxxxxx XXXX reappeared showing open and reporting and bad rating on XX/XX/XXXX this was discharged XX/XX/XXXX and should not have been on my profile after that date. 
2.XXXX  XXXX shows a charge off this was paid and the creditors agreed to delete, and it has reappeared with inaccurate information. This was also for a medical debt and was paid. Credit rating is incorrect for the 4th time I am dealing with this. DELETE and keep it deleted 3.XXXX XXXX XXXX XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 4.XXXX  XXXX  rating is incorrect never been 60 days late remove incorrect history 5.XXXX XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 6XXXX XXXX XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 7.XXXX XXXX  # XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 8. XXXX XXXX # XXXX reappeared 7 years since first delinquency is included in XXXX DELETE These items are things that was already disputed and correct the beginning of XXXX and now has reappeared and/or incorrect. Please delete this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: FL

Complaint narrative:
I tried to pay off my auto loan with XXXX XXXX XXXX they said they would wait until XX/XX/XXXX for my payment because I was paying my car in full I paid said car loan off and now are saying I was 30 days in which I wouldve only been 16 days late late on my payment on the day it was paid in full

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 2022-09-04 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: FL

Complaint narrative:
I tried to pay off my auto loan with XXXX XXXX XXXX they said they would wait until XX/XX/XXXX for my payment because I was paying my car in full I paid said car loan off and now are saying I was 30 days in which I wouldve only been 16 days late late on my payment on the day it was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: HI

Complaint narrative:
TransUnion AND XXXX has false, erroneous & harmful information from my credit profile and should rectify this as soon as possible by deleting this from my credit report. 
this is not only incorrect but is also impacting me negatively as I can potentially be denied employment and or housing. 
the accounts that should be removed are : Dept of Ed/XXXX  Dept of EdXXXX US Dept of Ed

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 2022-09-04 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:
The Credit bureau stated XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX  Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) I ) ( i ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-09-04 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: IN

Complaint narrative:
I applied for a car loan after speaking with a salesperson who said they would guarantee me the rate and the price I was looking for. They also agreed only to pull my credit through their business and nothing else. They ended up pulling my credit 5 times, told me I was approved for a different amount and then never returned my calls or texts. This was XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I went to another car dealership. I asked for the same thing - one credit pull. They did, and I was approved for XXXX XXXX XXXX When I came in person to the lot to find a car, the employee said the person who originally pulled my credit wasnt available so he would have to start the process over. I told him I didnt want my credit pulled again, could he just look at the results from before. He said yes, but still pulled my credit from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX 
I have been building and working on my credit so I can refinance my home in my name. I do not want hard inquiries piling up. I went to get a pre-approval for a credit card and I discovered multiple hard inquiries. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( twice ), XXXX XXXX XXXX XXXX XXXX Delaware XXXX The last two hard inquiries I do not recognize at all.

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 2022-09-04 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: IN

Complaint narrative:
I applied for a car loan after speaking with a salesperson who said they would guarantee me the rate and the price I was looking for. They also agreed only to pull my credit through their business and nothing else. They ended up pulling my credit 5 times, told me I was approved for a different amount and then never returned my calls or texts. This was XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX I went to another car dealership. I asked for the same thing - one credit pull. They did, and I was approved for XXXX XXXX XXXX When I came in person to the lot to find a car, the employee said the person who originally pulled my credit wasnt available so he would have to start the process over. I told him I didnt want my credit pulled again, could he just look at the results from before. He said yes, but still pulled my credit from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have been building and working on my credit so I can refinance my home in my name. I do not want hard inquiries piling up. I went to get a pre-approval for a credit card and I discovered multiple hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( twice )XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The last two hard inquiries I do not recognize at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: TX

Complaint narrative:
Theres things on my credit report comes from identity theft I have a police report and they still have fixed Ill file a dispute and all they do is update the situation with my correct information after I report identity theft

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 2022-09-04 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: HI

Complaint narrative:
XXXX AND Equifax has false, erroneous & harmful information from my credit profile and should rectify this as soon as possible by deleting this from my credit report. 
this is not only incorrect but is also impacting me negatively as I can potentially be denied employment and or housing. 
the accounts that should be removed are : Dept of EdXXXX Dept of Ed/XXXX US Dept of Ed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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:
The Credit bureau stated XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, and XXXX XXXX  Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) I ) ( i ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-09-04 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:
Notice of intent to sue credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: TX

Complaint narrative:
Theres things on my credit report comes from identity theft I have a police report and they still have fixed Ill file a dispute and all they do is update the situation with my correct information after I report identity theft

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 2022-09-04 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: TX

Complaint narrative:
Theres things on my credit report comes from identity theft I have a police report and they still have fixed Ill file a dispute and all they do is update the situation with my correct information after I report identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This debt only shows up on my XXXX credit report and it has been deleted from both XXXX and XXXX which I believe is grounds for removal from my XXXX as well. I am also attaching a screenshot of the collection from the credit report and a copy of the letter that I have mailed to the collection company in which I am challenging the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander has obtained my personal account information, violated my confidentiality by falsely reporting fraudulent information on my credit report. I have the documents necessary to substantiate this claim. This very dishonest, Santander Consumer has also defrauded with XXXX XXXX XXXX to illegally and deceptively obtain money that was due to me. From the application of credit ( for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have requested a validation of this alleged debt resulting in them ( Santander Consumer ) sending a null and voided contract. I also reported the credit to IRS via 1099b. Santander has also voided and rescinded and purchase ( XX/XX/2022 ) I can show receipts of payment history because I actually had been in honor of the contract. However for the initial purchase of the first vehicle ( XXXX XXXX XXXX from XX/XX/2022 ) there was never one payment because Santander XXXX rescinded that contract, I have no payment history with Santander obviously because I reported them to IRS, yet Santander has an animated payment history. I can prove fraud. I want the XXXX Santander Consumer has defrauded my insurance company for, I have been injured as a result. XXXX XXXX has the false payment history I also has copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc.
State: KS

Complaint narrative:
XXXX ran a background check on me and shared the results and it came back with inconsistent information due to someone else shown using my SSN. I am the true owner of the SSN and have a lifetime of passports, paystubs and i9 verifications to prove it.

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 2022-09-04 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I have filed a complaint on XXXX related to this. Complaint number XXXX Synchrony bank received a check from XXXX XXXX on XX/XX/2022. They deposited this check on XX/XX/XXXX. This was never credited to my account. 
I have called XXXX who took over the account at the end of XX/XX/2022. XXXX says Synchrony needs to take care of this. Synchrony said the no longer have the account. I have been sent back to XXXX from Synchrony twice. 
XXXX asked for proof of the payment by sending a copy of the cancelled check. I have done that. They still refuse to credit my account. I understated they still expect me to pay them the over XXXX that was already paid. They continue to charge fees and interest to my account and reported delinquency to the credit bureau.

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On XX/XX/2022, I checked my TRANSUNION Credit Report that is linked, XXXX  : XXXX XXXX to my XXXX XXXX Bank Account. To my surprise, TRANSUNION is falsely, inaccurately reporting and sabotaging my reputation, by reporting on my Credit Report that, I have 2 recent XXXX XXXX BANKRUPTCIES. This devastating fraudulent inaccuracy is saying that I filled BOTH of these BANKRUPTCIES on XX/XX/2022. I ASSURE YOU THAT, I HAVE NOT FILLED NOT XXXX XXXX XXXX XXXX XXXX BANKRUPTCIES on XX/XX/2022. 

My husband and I are in the process of getting ready to purchase a home. After our Realtor was made aware of this falsely, inaccurately reporting and sabotaging my current reputation, she immediately said this would be an issue, because I couldnt have any RECENT BANKRUPTCIES less than 2 years on my Credit Report in order to possibly move forward in the purchasing of our first home. DO TRANSUNION HAVE ANY IDEA WHAT THIS HAS DONE TO ME! I literally have been XXXX ever since my Realtor stated that to me. I was so devastated over this, I didnt even go out of town with my Family and to celebrate my Aunts Birthday with her, because theres a STRONG possibility that my husband and I wont get the home we have our eyes on, due to this FALSELY AND INACCURATELY REPORTING. 

So, the home that my husband and I have our eyes and hopes on of purchasing, may possibly be purchased by other buyers, due to TRANSUNION FALSELY AND INACCURATELY REPORTING THIS ON MY REPORT. 

Now, I spoke with XXXX XXXX on Friday, XX/XX/2022 about this FALSELY and INACCURATELY reporting on my TRANSUNION Credit Report they share with them. And I was told by XXXX XXXX that they ( XXXX XXXX ) did have anything to do with this. All they do is provide us ( MEMBERS ) a free access to our Credit Report provided, by TRANSUNION.

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