vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-27 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: U.S. BANCORP
State: NY

Complaint narrative:
THIS IS PERTAINING TO A PREVIOUS COMPLAINT # XXXX I HAVE DISPUTED THE INFORMATION THAT IS BEING FALSELY REPORTED ON MY CREDIT REPORT. THIS WAS PREVIOUSLY DISPUTED AND THE COMPANY RESPONDED THAT THEY FOUND AN INQUIRY BY ME FOR A BUSINESS CARD. I INFORMED THEM THAT THIS WAS NOT MY INQUIRY AND TO SHOW VERIFICATION OF THE INQUIRY BEING MADE BY ME. THEY GAVE ME NO PROOF OR VERIFICATION OR ANY INFORMATION ON HOW THEY CAME UP WITH PROOF THAT THIS WAS MINE. I HAVE NO KNOWLEDGE OF ANY BUSINESS ACCOUNT AS THEY STATED I WOULD LIKE FOR THIS TO BE REMOVED FROM MY REPORT. I WOULD LIKE FOR THEM TO SHOW ME PROOF THAT THIS INQUIRY BELONGED TO ME. 

INQUIRY US BANK XX/XX/22

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 2022-08-27 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: SC

Complaint narrative:
XXXX XXXX is continuing to report a past due amount on my credit report when this account shows as having been sold to a collection agency. I have challenged this previously and has come back verified both with Experian and XXXX. How can this have been investigated and yet still showing a past due amount when the account was purportedly sold to a collection company/agency

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 2022-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I filed XXXX  XXXX XXXX in 2014, included XXXX XXXX student loans ( Notice to Creditors Certification attached ). I requested an Adversary Proceeding due to student loans causing undue hardship. XXXX XXXX was properly notified, means test was performed and Federal Trustee and Judge approved student loans to be discharged ( Final Trustee Report attached. ) I have been trying to get XXXX XXXX, XXXX and now Aidvantage to recognize a FEDERAL COURT ORDER and discharge these loans and remove all negative history from credit reports. I have never been able to buy a home for my family and have suffered tremendously from their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
Hello, I Never Join XXXX XXXX University For XXXXXXXX XXXX Course, I Did Fill Up Application But Never Start Course, XXXX XXXX Took Money From Lender Under My Name Now Lender Sending Me a Bill For Over {$2000.00} Plus Late Charges TheXXXX  Lender Damage My Credit With 3 Credit Bureaus. I Try to Talk to Lender About What They Denied to Resolve This Matter They Demand Full Balance Which I Never Took A Course. 

Lender Name : Launch Servicing LLC XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: AR

Complaint narrative:
I have sent a formal complaint to the reporting agency because inaccurate information, incomplete information and unverifiable information is being reported on my credit report. This has caused great stress in my life because of this problem with the agency reporting this inaccurate, incomplete and unverifiable information. 

The first time I received a letter from the agency stating that they want to make sure that I am the person who is disputing and filing a complaint. I sent in verifiable identification documents and then I received a letter stating that the information was verified but they showed no proof, nor did they disclose any procedures that were done to prove that this information was verified and accurate as they have been reporting. As a consumer I requested the steps that the agency took to insure that these items were 100 % accurate under 15u.s.c.1681 ( i ( 7 ) Method of verification. Description of reinvestigation procedures.

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 2022-08-27 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: AR

Complaint narrative:
I have sent a formal complaint to the reporting agency because inaccurate information, incomplete information and unverifiable information is being reported on my credit report. This has caused great stress in my life because of this problem with the agency reporting this inaccurate, incomplete and unverifiable information. 

The first time I received a letter from the agency stating that they want to make sure that I am the person who is disputing and filing a complaint. I sent in verifiable identification documents and then I received a letter stating that the information was verified but they showed no proof, nor did they disclose any procedures that were done to prove that this information was verified and accurate as they have been reporting. As a consumer I requested the steps that the agency took to insure that these items were 100 % accurate under 15u.s.c.1681 ( i ( 7 ) Method of verification. Description of reinvestigation procedures.

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 2022-08-27 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: WI

Complaint narrative:
Over the past year, Experian has repeatedly refused to remove unverifed Bankruptcy from my credit report therefore defaming my character. When I call by phone asking for their source of the bankruptcy I'm told it's XXXX XXXX. When I have asked for that to be sent to me in writing per FCRA guidelines, I'm told they are not required to provide me this information which is a direct violation of FCRA. Experian website states their data source is XXXX XXXX. So in XX/XX/2022, after Experian once again claimed the XXXX as supposedly legally verified I contacted XXXX XXXX. XXXX XXXX subsequently deleted the XXXX from both their verified and unverified files. Therefore, by law, Experian should have deleted the bankruptcy and yet they have refused to do so. This is yet another violation of the FCRA and my consumer rights. Furthermore, there are clear discrepancies with the bankruptcy listed ; it has way too many name variations, it does not include my DOB or full social security number. Just another reason why it should be deleted from my profile. 

Experian is in clear violation of FCRA guidelines and my consumer rights.

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 2022-08-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) Wells Fargo dated XX/XX/XXXX 2 ) XXXX XXXXXXXX dated XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX dated XX/XX/XXXX Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXX dated XX/XX/XXXX 2 ) XXXX  XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX dated XX/XX/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 non-monetary relief
Consumer complaint received 2022-08-27 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: Square One Financial, LLC
State: AZ

Complaint narrative:
in accordance with the fair credit reporting act XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: Uplift, Inc
State: AZ

Complaint narrative:
in accordance with the fair credit reporting act XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: MI

Complaint narrative:
I opened a credit card with XXXX XXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the XXXX  for three and a half weeks. I was unable to make arrangements with XXXX XXXX due to my 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 non-monetary relief
Consumer complaint received 2022-08-27 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: MI

Complaint narrative:
I opened a credit card with XXXX XXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the XXXX for three and a half weeks. I was unable to make arrangements with XXXX XXXX due to my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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:
I opened a credit card with XXXX XXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the XXXX for three and a half weeks. I was unable to make arrangements with XXXX XXXX due to my 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 2022-08-27 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Dont report credit utilization and payment in accordance with the fair credit reporting act XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Synchrony Bank store card for Ashley / Ashley Home Store / Ashley Furniture HomeStores/SYNCB. 
Account ending in XXXX. 
I am listed as co-applicant on this card with my wife. 
From XX/XX/XXXX through XX/XX/XXXX, our promotional balance went from {$4700.00} ( XXXX ) to {$3600.00} ( XXXX ). 
Checking our account online, on XXXX XX/XX/XXXX, made payment of {$190.00} on XXXX XXXX, the info displayed indicated the promotional balance as {$3400.00}. 
On our XX/XX/XXXX statement the promotional balance is shown as {$3600.00}. 
On XXXX XXXX, I logged in, pressed chat option, opened chat with company representative ( prefer not to use name of agent ; this situation is not the fault of that agent ), during chat agent did research and responded with two different chat boxes. 
The first chat box from agent stated that balance is {$1900.00}, I asked to ensure correct account number was being used by agent. Agent confirmed correct account number was being used. 
Next chat box, agent indicated that the balance on their end, in their system, is now showing as {$0.00} ( XXXX  ). Again, made sure correct account number, agent verified that he was using correct account number. 
Due to much confusion, I called company. At first spoke with XXXX, she could not explain, to my satisfaction exactly what was happening with our account. She escalated my concerns to a supervisor, XXXX. 
After much conversation, she too had no idea or reason for the difference between {$3400.00} to {$3600.00} to chat balance of {$1900.00}, then XXXX. 
Between XXXX and XXXX, we made a payment of {$190.00}. Balance should have decreased not increased. 
Completely confused about what is going on. 
My previously submitted complaint # XXXX, is related, connected or XXXX to this new complaint.

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 2022-08-27 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: CO

Complaint narrative:
On XX/XX/2022, my Chase Explorer card was used to fraudulently purchase a {$770.00} gift card from XXXX XXXX. Later that day the card was used to purchase XXXX XXXX merchandise. On XX/XX/XXXX Chase was notified of the bogus charge and they issued a credit. On XX/XX/XXXX Chase notified me that their investigation showed that I had ordered the gift card and acknowledged their trigger letter, and that they were reinstating the {$770.00} charge. I never ordered a gift card, never received a trigger letter, never ordered merchandise, and never got any product. Multiple subsequent calls to Chase have fallen on deaf ears. Chase insists that I provide proof of not ordering and not receiving -- an impossibility. I have talked with XXXX XXXX and they refused to provide any useful information, like proof of delivery or even where and what was ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: SC

Complaint narrative:
XXXX XXXX is continuing to report a past due amount on my credit report when this account shows as having been sold to a collection agency. I have challenged this previously and has come back verified both with XXXX and Transunion. How can this have been investigated and yet still showing a past due amount when the account was purportedly sold to a collection company/agency

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 2022-08-27 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: DE

Complaint narrative:
In accordance to the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not a account without my written instructions. 



Date XX/XX/2022 XXXX {$870.00} Attempted to dispute account as it is unrecognizable, dispute processed and no changes were made to credit reports.

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 2022-08-27 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: DE

Complaint narrative:
In accordance to the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not a account without my written instructions. 



Date XX/XX/2022 XXXX {$870.00} Attempted to dispute account as it is unrecognizable, dispute processed and no changes were made to credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: CA

Complaint narrative:
I don't know who's computer started the problem, but on XX/XX/XXXX, Both the Experian and XXXX credit reporting companys decreased my score XXXX points, without any reason. 

My accounts are all in good or excellent standing, I haven't had any new accounts opened or closed, and all my bills are paid on time. 
None of the 6 reasons apply at all.. 
I called XXXX, and they were very helpful, andcstarted a dispute/investigation.. 

Then i called experian to ask about and dispute it, and they told me they can't tell me why it decreased, the computer does it. 

I told them than their computer made a mistake, and they basically started deflecting responsibility, saying I should contact the lenders.. 

The lenders aren't the problem, again, all my accounts are in good standing, and there has been NO NEW ACTIVITY to warrant a XXXX point decrease in my score. 

I'm in the middle of trying to buy a house through the USDA, and this is the type of stuff that could cause my loan to not be approved.. 

PS Your entry box for the last 4 of my social security number, keep saying my entry of XXXX, is empty. 

So you might wan na fix that, and the last 4 of my ss # for identity is 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 2022-08-27 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:
On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating, " They do not report bankruptcies to anybody. '' So, if that's the case, how did the credit bureaus verify m bankruptcy as 100 % accurate? They never did a fair investigation according to 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) states : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 U.S.C. 1681 According to : 15 U.S.C. 1681 section 602A it states, I have the right to privacy.

According to : 15 U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating toa consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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