vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Agent, JPMC is retaliating against me because I complained to the CFPB. I wrote a complaint last week. This Monday, XXXX XXXX XXXX from Chase ( rep # XXXX ) called to tell me they are investigating the complaint. Today, Friday XX/XX/XXXX, I got a call from Chase telling me they are decreasing my personal credit card limit that I have with them from XXXX to XXXX. They did a " periodic review '' and determined because of this issue I have with their business card that is decreasing my personal credit score because of late payments. For three year now we have been paying on time and they never touched my other credit cards. Now they are decreasing my personal credit limit which further messes my credit card. There is no coincidence that after I complained to CFPB that they are doing dirty retaliation by making it much harder for me. I am seriously getting a lawyer, I'm going on social media, and news. This is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: CA

Complaint narrative:
I've submitted multiple disputes as well as contacted the credit bureau and original creditors. I've reported identity theft and place a security freeze fraud alert on my personal information but there is no change

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX//2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My complaint as a consumer is whos holding the credit bureaus responsible for their errors.XX/XX/XXXXXXXX A tradeline was added to my Experian profile which ding my score negatively. I contacted the creditor XX/XX/XXXX bank XXXX I wasnt account holder nor was I authorized user. 
I contacted Experian to find out how this happened, know one could provide me any answers. Although they could help me get it updated and removed I was concerned how it would impact my score again of removing a line of credit that been added my credit profile, its like getting hit twice. The representatives didnt understand what I was trying to explain as they dont even understand credit themselves! And dont have real answers to give you, theyre just order takers ; Its very frustrating as a consumer when know one is being held accountable for their errors but quick to make consumers be held to the fire. I worked very hard to get my scores where there are and I dont have time for agents from either side creditor or the bureau to make errors as neither would own up to the mistake made, but as the consumer Im being impacted! Will I get my points back? Will this happen again how do you trust the system?

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 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
TO WHOM THIS MAY CONCERN, I XXXX XXXX 100 % BELIEVE THIS IS NOT FAIR THAT THIS OLD INQUIRY 'S FROM XXXXFROM ALL XXXX CREDIT BUREAUS 1. XXXX 2. XXXX 3. EQUIFAX SPECIAL WHEN EQUIFAX WAS THE ONE THAT HAD THE DATA BREACH, OF MY PERSONAL INFORMATION LEAK OUT NOT JUST XXXX TIME BUT XXXX TIMES. 
I XXXX XXXX DO BELIEVE THAT WOULD BE XXXX AND FAIR TO ME AND MY CREDIT REPORTS ( ALL XXXX ) 1. ALL INQUIRIES FROM XXXX 2. AND HARD INQUIRIES XXXX NEEDS TO BE REMOVE. 
ALSO I HAVE SENT IN XXXX CLAIMS IN TO XXXX FOR THE SETTLEMENT CLAIM I HAVE NOT HEARD ANYTHING BACK I EMAIL THEM MY CLAIM STARTED FIRST IN XXXX XXXX WHEN EQUIFAX FIRST EMAIL ME ABOUT THERE DATA BREACH SPECIAL MONEY I BORROW FROM FAMILY HIRING ATTORNEYS DA AND SO FORTH I NEED THE MONEY BACK FROM EQUIFAX THE CLAIM NUMBERS I CHECK ED DOESN'T EXIST

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
Back in XXXX I had a revolving debt from XXXX XXXX XXXX XXXX to which the balance was about {$1200.00} at the time and went to collections. Discussing it with the Collection Agency at the time we had resolved it with a settlement of about {$880.00} to rid of the account and have it off of my credit report. After 3 years I was recently hit with a surprise on my credit report that this account is still in a collection status and is {$1700.00} and has been revolving with about XXXX different collection agencies. What I found very odd to this situation though is Ive never gotten a notice through my mailing address and when the collector sent me a link with this balance I noticed they have a different mailing address. I tried disputing it but they disregarded it since it was associated with my social security number. I clarified that Im not denying ever having this account but it was paid with the collection agency at the time. I tried finding emails in reference to help my case but its been 3 years and I wasnt expecting to hold records for something that was suppose to be said and done. Tried reaching out to the bank institution that I was with at the time to go through billing statements but it comes with a large fee to get access and Im not in a position to spend that type of money so frivolously. My back is cornered and need help resolving this because this is effecting my life goals at the moment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Trans Union has DATA ENTRY TYPING PROBLEMS IN incorrect spelling of my name. They failed to correctly SPELL my name. There should be ONE CORRECT NAME, ONE CORRECT ADDRESS AND ONE CORRECT EMPLOYER INFORMATION.

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 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I wrote and contacted XXXX and XXXX several times. My account was at a zero balance. XXXX chose to close my account when I filed for bankruptcy. XXXX and XXXX were not part of the bankruptcy, and it should not be reflected on the credit report as discharged by bankruptcy because I never owe XXXX or XXXX any money. My account with them was in good standing. General Account Info Account NameXXXX  Account NumberXXXX  Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusDischarged through Bankruptcy Chapter XXXX. Status UpdatedXXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Credit Limit {$6000.00} Highest Balance {$1000.00} Terms NA On Record UntilXXXX 2024 I have attached proof of what companies were included in the bankruptcy due to me being a victim of mortgage fraud and filing at the advice of my attorney to protect my home until the FBI can investigate the mortgage fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I wrote and contacted XXXX and XXXX several times. My account was at a zero balance. XXXX chose to close my account when I filed for bankruptcy. XXXX and XXXX were not part of the bankruptcy, and it should not be reflected on the credit report as discharged by bankruptcy because I never owe XXXX or XXXX any money. My account with them was in good standing. General Account Info Account NameXXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusDischarged through Bankruptcy Chapter XXXX. Status UpdatedXXXX  Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Credit Limit {$6000.00} Highest Balance {$1000.00} Terms NA On Record UntilXXXX XXXX I have attached proof of what companies were included in the bankruptcy due to me being a victim of mortgage fraud and filing at the advice of my attorney to protect my home until the FBI can investigate the mortgage fraud.

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 2022-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Getting collection letter for debt not owed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: EQUIFAX, INC.
State: WA

Complaint narrative:
on XX/XX/21, I wrote XXXX, XXXX, and Equifax regarding inquiries and verification/validation of debt. I do not believe the bureaus responded in a timely fashion, and I haven't received the requested information within the letter sent ie original contract with my signature on it. Please see attachment letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: WA

Complaint narrative:
on XX/XX/21, I wrote Transunion, XXXX, and XXXX regarding inquiries and verification/validation of debt. I do not believe the bureaus responded in a timely fashion, and I haven't received the requested information within the letter sent ie original contract with my signature on it. Please see attachment letters.

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 2022-03-05 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
on XX/XX/21, I wrote XXXX, Experian, and XXXX regarding inquiries and verification/validation of debt. I do not believe the bureaus responded in a timely fashion, and I haven't received the requested information within the letter sent ie original contract with my signature on it. Please see attachment letters.

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 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX  I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX  I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-05 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:
my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.. 
I was not provided the method of verification on XXXX XXXX XXXX late payments, XXXX XXXX XXXX or the inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: GA

Complaint narrative:
My rights un

der FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. Experian did, t provide
the requested method of verification for the below items XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also below inquiries XXXX XXXX  Inquired XXXX XXXX XXXX XXXX XXXX Inquired onXXXX XXXXXXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX Also XXXX XXXX XXXX is reporting 2 late payments

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 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
After applying for business credit with American Express in XX/XX/XXXX  American Express gave me 2 business credit cards with 10,000 balances. They then went back and lowered my personal Amex card from 10,000 to 1,000 which is a drastic and unfair decrease and in return also caused my utilization to go up and my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: NJ

Complaint narrative:
I noticed an account on my report I do not recognize

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 2022-03-05 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: NJ

Complaint narrative:
I noticed an account on my report I do not recognize

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 2022-03-05 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: NJ

Complaint narrative:
I noticed an account on my report I do not recognize

Company response to consumer: Closed with explanation