vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-23 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I have an auto loan serviced through Santander. The loan shows several false late payments on my credit report. These payments were never late and have been reported incorrectly. Santander recently settle a lawsuit which outlines they correct all negative information on a customers credit report. As well as XXXX the customers balance and release the lien and issue the title to the customer. None of which has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
To Who Can Help me, I sent in letters to a bureau equifax about inquiries I never seen before. They are not mine. I am writing this complaint because they haven't responded gave me an update or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
XXXX XXXX has reported my account delinquent on XX/XX/2020 before payment was due, then again on XX/XX/2020 after payment was made on XX/XX/2020. My payment is not 30 days past due and they reported again on XX/XX/2020. I understand if Im 30 days late they can report but multiple delinquent report with less than 30 days past due is a violation of reporting laws. I asked that they remove the incorrect reporting and I was told no. Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: AL

Complaint narrative:
My dispute is with XXXX XXXX. I have done several disputes with the company and on my credit reports. I have no knowledge of these accounts they have listed on my report. I've sent disputes and asked to send me signed documentation proving these accounts are mine. I keep getting letters back stating the accounts are verified and are mine with copies of billing statements, but nothing saying I signed up for these accounts bearing my signature. I recently went through a separation from my ex husband, ( due to XXXX  XXXX and us being illegally married because he was still married to his first wife. ) I tried to dispute with the courts and he said he only did it for the insurance and didn't think it was illegal. They didn't follow thruoug with the bigamy charges. He fraudulantly kept the house ( rental ) with all of my personal documents. He has gotten a lot of things fraudalantly in my name but without physical proof I didn't consent to it, I am not able to file charges. According to the magistrate. 
I have been disputing these charges for months and have also sent factual disputes for the discrepencies on each account. But XXXX insists on keeping it on my credit reports in order for someone to be resposible and pay. They have CHARGED OFF these accounts several times when I dispute them. Each account has been charged off 5-8 times. The accounts regularly updates even though it is charged off. They have negatively reaged the accounts changing deliquincy status of accounts to fool the credit bureaus into thinking it more recent. From my understanding, re-aging accounts is illegal and is a violation of the Fair Credit Reporting Act. When I dispute these accounts, the change the status to closed then later back to charged off. They have done this multiple times which negative affect my credit reports. XXXX  lists accounts closed and reports missed payments/change payment history, then removes missed payments, then changes back, which constantly negatively impacts my report. If accounts are charged off, how can a payment history be added. 
As of the recent dispute, they listed that they received a payment on each of the accounts which I have not made any payments on any of these accounts. Again, reaging the accounts on my credit reports. Isn't this illegal practicing? 

From my research of this company, they are known for illegal practicing and not sure why they are allowed to continue. I would like for them to remove the listed accounts from my credit reports : XXXX/XXXX XXXX/XXXX  ( XXXX  ) XXXX/XXXX   XXXX/XXXX  ( XXXX ) XXXX/XXXX   XXXX/XXXX  XXXX/XXXX  XXXX/XXXX  ( ( XXXXVisa ) XXXX/XXXX  ( XXXX  )

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 2020-05-23 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: AL

Complaint narrative:
My dispute is with XXXX XXXX. I have done several disputes with the company and on my credit reports. I have no knowledge of these accounts they have listed on my report. I've sent disputes and asked to send me signed documentation proving these accounts are mine. I keep getting letters back stating the accounts are verified and are mine with copies of billing statements, but nothing saying I signed up for these accounts bearing my signature. I recently went through a separation from my ex husband, ( due to XXXX  XXXX and us being illegally married because he was still married to his first wife. ) I tried to dispute with the courts and he said he only did it for the insurance and didn't think it was illegal. They didn't follow thruoug with the bigamy charges. He fraudulantly kept the house

( rental ) with all of my personal documents. He has gotten a lot of things fraudalantly in my name but without physical proof I didn't consent to it, I am not able to file charges.  According to the magistrate.

I have been disputing these charges for months and have also sent factual disputes for the discrepencies on each account. But XXXX insists on keeping it on my credit reports in order for someone to be resposible and pay. They have CHARGED OFF these accounts several times when I dispute them. Each account has been charged off 5-8 times. The accounts regularly updates even though it is charged off. They have negatively reaged the accounts changing deliquincy status of accounts to fool the credit bureaus into thinking it more recent. From my understanding, re-aging accounts is illegal and is a violation of the Fair Credit Reporting Act. When I dispute these accounts, the change the status to closed then later back to charged off. They have done this multiple times which negative affect my credit reports. XXXX  lists accounts closed and reports missed payments/change payment history, then removes missed payments, then changes back, which constantly negatively impacts my report. If accounts are charged off, how can a payment history be added. 
As of the recent dispute, they listed that they received a payment on each of the accounts which I have not made any payments on any of these accounts. Again, reaging the accounts on my credit reports. Isn't this illegal practicing? 

From my research of this company, they are known for illegal practicing and not sure why they are allowed to continue. I would like for them to remove the listed accounts from my credit reports : XXXX/XXXX  XXXX/XXXX ( XXXX  ) XXXX/XXXX   XXXX/XXXX  ( XXXX ) XXXX/XXXX   XXXX/XXXX  XXXX/XXXX  XXXX/XXXX  ( ( XXXXVisa ) XXXX/XXXX  ( XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
I am filing a complaint against the following law firm Rubin & Rothmann , LLC for unlawful practices such as wire fraud, mail fraud, and defrauding consumers such as myself. The above law firm has filed a civil suit against me for a default judgment on an alleged debt from XXXX  XXXX XXXX. 

Rubin & Rothman , LLC purposely sent the civil suit to an address, which is not my actual domicile. They sent presentments to an investment property that I previously owned and have been sold years ago. Due to this underhanded tactic a default judgment against me from the XXXX county Courts was honored. I consequently was improperly served therefore I was unaware such civil suit existed until months later. The XXXX County Courts however continued to move forward with procedures filed by Rubin & Rothman , LLC to garnish funds from my payroll account. I was never given the opportunity to answer the Civil suit in a timely manner subsequently why I am here filing an investigation against their unlawful practices against consumers such as myself. They claimed I owe an alleged debt with no validation that such debt exist or a signed original contract with my name displayed.

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 2020-05-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm having issues with the credit bureaus updating my personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: CA

Complaint narrative:
I'm having issues with the credit bureaus updating my personal information 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 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm having issues with the credit bureaus updating my personal information 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 2020-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I had opened up a fraudulent dispute with Chase Credit Card Services on XX/XX/XXXX for a number of transactions that I did not authorize from XX/XX/XXXX-XX/XX/XXXX and also there were some transactions dated back to XX/XX/XXXX when my card was used without my permission. My card was not in my possession from XXXX-XX/XX/XXXX and neither at the time of XXXX-XX/XX/XXXX when it was used. Chase card services took almost 2.5 months to come back with a resolution and finally when they did, they selected a few transactions and mentioned that those will not be my responsibility whereas a bunch of others would be. I contacted Chase Fraud Recovery to challenge that, since that was not right and I should not owe this amount. They went back and reinvestigated and in 2 days made the same decision. They have never provided me receipts or backups to state what made them come to the conculsion. The decision was made solely on the scenario that since the card was used locally I was responsible for those transactions. I have since then tried contacting Chase Fraud Recovery for atleast 5 days without any luck. I want to get this matter resolved but Chase is not helping me, and they sent a letter stating that was the final decision and I owed them the money as per the card agreement and since I was in disagreement they notified the reporting agencies about that for the amount I owed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
To Who Can Help me, I sent in letters to a bureau experian about inquiries I had never seen before. They are not mine. I am writing this complaint because they haven't responded gave me an update or anything.

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 2020-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have an auto loan serviced through XXXX. The loan shows several false late payments on my credit report. These payments were never late and have been reported incorrectly. XXXX recently settle a lawsuit which outlines they correct all negative information on a customers credit report. As well as XXXX the customers balance and release the lien and issue the title to the customer. None of which has been done.

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 2020-05-23 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: TN

Complaint narrative:
I have an auto loan serviced through XXXX. The loan shows several false late payments on my credit report. These payments were never late and have been reported incorrectly. XXXX recently settle a lawsuit which outlines they correct all negative information on a customers credit report. As well as XXXX the customers balance and release the lien and issue the title to the customer. None of which has been done.

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 2020-05-23 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: CA

Complaint narrative:
A security freeze was placed on my XXXX report on XX/XX/2020. I also placed a freeze on my XXXX XXXX XXXX XXXX report on XX/XX/2020. I do have verification for these freezes if needed. XXXX has continued to verify personal information reporting to my credit report post-freeze. I have letters from XXXX  ( XX/XX/2020 ), TransUnion ( XX/XX/2020 ), and XXXX  ( XX/XX/2020 ) stating that public records on my report were verified using XXXX. I received a letter from the courthouse stating that they do not sell or report public records concerning bankruptcy filings to any third party agencies or credit bureaus. The reporting from the three major bureaus do not match one another as they are required to. I have disputed the inaccuracy of the reporting and nothing has changed. The court names are incorrect, the filing dates do not match and they are incorrect, the reference numbers are all different. I have disputed this information with XXXX, TransUnion and XXXX  multiple times and the information comes back verified each time with the same response : " obtained through a third party vendor XXXX XXXX XXXX XXXX XXXX ''. I know that the law states that the bureaus are required to report all accurate information on consumer reports, and that has not been the case for me. I am aware that data obtained for a consumer report must be validated through the original furnisher and the original furnisher stated in writing that they do not share info with 3rd parties.

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 2020-05-23 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: CA

Complaint narrative:
A security freeze was placed on my XXXX report on XX/XX/2020. I also placed a freeze on my XXXX XXXX XXXX XXXX report on XX/XX/2020. I do have verification for these freezes if needed. XXXX has continued to verify personal information reporting to my credit report post-freeze. I have letters from Equifax ( XX/XX/2020 ), XXXX  ( XX/XX/2020 ), and XXXX  ( XX/XX/2020 ) stating that public records on my report were verified using XXXX. I received a letter from the courthouse stating that they do not sell or report public records concerning bankruptcy filings to any third party agencies or credit bureaus. The reporting from the three major bureaus do not match one another as they are required to. I have disputed the inaccuracy of the reporting and nothing has changed. The court names are incorrect, the filing dates do not match and they are incorrect, the reference numbers are all different. I have disputed this information with Equifax, XXXX  and XXXX  multiple times and the information comes back verified each time with the same response : " obtained through a third party vendor XXXX XXXX XXXX XXXX XXXX ''. I know that the law states that the bureaus are required to report all accurate information on consumer reports, and that has not been the case for me. I am aware that data obtained for a consumer report must be validated through the original furnisher and the original furnisher stated in writing that they do not share info with 3rd parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion replied today, XX/XX/20, listing an adverse account : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX This account was paid in full. The adverse report says I paid less than what XXXX agreed to. That is false. I disputed the amount they wanted for wear and tear items on the car when it was returned after the lease. I feel these are frequently exaggerated to increase revenue or to negotiate their elimination if you lease another car with XXXX. I disputed the amount, and they agreed to lower the charge, and I paid it timely. I spoke with and will attach an email from XXXX  saying that there were no adverse events/outstanding fees on my file. This is not an " adverse '' account and needs to be deleted or put in the satisfactory category. If one disputes a bill, negotiates a settlement, and pays it off, this is not to be an adverse account. If so, anyone who negotiates a better deal should have a lower credit rating and that is ridiculous. 
My demand is to have this account deleted or put in the satisfactory category without any adverse findings.

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 2020-05-23 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax has SEVERAL of my long standing positive accounts not showing on my report, I tried to contact them and deal with it and they blame the lenders ( well I'm sorry but there is simply just TOO many of them to be the problem ) In any case I have contacted these lenders and they confirmed what I already knew, they ARE reporting to Equifax and ALL my info is 100 % and triple checked, Equifax just needs to report it as my Equifax score is lightyears lower then XXXX  and XXXX  because of this and I was RECENTLY turned down for a loan because of it, The lender ONLY used Equifax and sadly I looked like a pretty thin file which is incorrect

Company response to consumer: Closed with explanation