vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XXXX continues to report inaccurate information on my credit report that is harmful without providing legal proof of the debt. I have disputed XXXX credit cards multiple times on my report that I am not legally responsible for. I have asked XXXX repeatedly for the documentation they received to confirm these accounts are mine. I have also asked both the companies and XXXX to provided me with a copy of the legal contract for each credit card and neither have done so. These accounts should be removed immediately as they are harmful and the companies can not provide a legal binding contract that I signed confirming the accounts are mine. The accounts are : American Express XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-17 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: MD

Complaint narrative:
I am demanding an internal investigation of the following credit reporting companies : XXXX, Trans Union and XXXX. I have found that these companies aren't governing themselves according to the Fair Credit Report Act. I've disputed on numerous occasions the inaccurate reporting of my consumer reports regarding the late payment history. According to the FCRA Section 603, 15 U.S. Code 1681A titled definition : Rule of Construction ; defines paragraph 2 exclusions - except as provided in paragraph ( 3 ), term " consumer report '' does not include '' ; ( A ) subject to section 1681s-3, of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Therefore, the following accounts which are within my credit report ; the payment history must be REMOVED ; based on these EXCLUSIONS of the rules. These accounts are as follow : XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX  TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated , these companies are not abiding to the " Rule of Construction/Exclusions per the FCRA.

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 2023-07-17 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: MD

Complaint narrative:
I am demanding an internal investigation of the following credit reporting companies : XXXX, XXXX XXXX and Experian. I have found that these companies aren't governing themselves according to the Fair Credit Report Act. I've disputed on numerous occasions the inaccurate reporting of my consumer reports regarding the late payment history. According to the FCRA Section 603, 15 U.S. Code 1681A titled definition : Rule of Construction ; defines paragraph 2 exclusions - except as provided in paragraph ( 3 ), term " consumer report '' does not include '' ; ( A ) subject to section 1681s-3, of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Therefore, the following accounts which are within my credit report ; the payment history must be REMOVED ; based on these EXCLUSIONS of the rules. These accounts are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX Experian XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX Experian As stated , these companies are not abiding to the " Rule of Construction/Exclusions per the FCRA.

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 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
I previously filed a complaint with CFPB with Santander ( case XXXX ). They responded on XX/XX/XXXX that they removed me from receiving solicitations in XXXX however this past Saturday ( XX/XX/15 ) I received a solicitation ( attached ) for a credit card from them. They clearly have a suppression problem and are violating Do Not Solicit Laws. This is now becoming harassment.

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 2023-07-17 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: CA

Complaint narrative:
All requests took over 30 days to resolve. XXXX, Equifax and XXXX all report my student loans twice. They report the balances as late when the student loans have been discharged completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with XXXX XXXX XXXX. Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken. All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge. All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for XXXX  credit and XXXX reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the discharged student loans with no balances... I owe less than $ XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX ... .on the same day as I applied for the XXXX credit. So is my score XXXX, XXXX or XXXX? Or should it be higher because I have very little debt. Even with a XXXX  in XXXX, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt. All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: CA

Complaint narrative:
All requests took over 30 days to resolve. XXXX, XXXX and Experian all report my student loans twice. They report the balances as late when the student loans have been discharged completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with XXXX XXXX XXXX. Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken. All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge. All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for medical credit and XXXX reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the XXXX student loans with no balances... I owe less than $ XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX ... .on the same day as I applied for the medical credit. So is my score XXXX, XXXX or XXXX? Or should it be higher because I have very little debt. Even with a bankruptcy in 2019, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt. All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.

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 2023-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I have had 2 instances ( XXXX & XXXX XXXX ) where money was sent to Firstmark services to pay off balances at their current times/prices and the money was mismanaged both times ( with admission of mistakes ), resulting in me having to pay extra to get accounts current, extra to pay for the late fees from the initial time of the issue till its resolution, and all while my interest keep accruing and rising. I tried multiple time to refinance to make the payments more manageable but was told my income was too low to refinance my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
We have repeatedly contacted Goldman Sacks about the account on our credit report. 

They have been advised this is a fraud account and it was not opened by myself. We have files with XXXX, we filed a police report, and we have written and mailed copies of all the above to Goldman.

They have not removed the fraud account from our credit records.

Goldman Sacks does not appear to want to remove this incorrect fraud account they opened without our knowledge or permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: LEXISNEXIS
State: PA

Complaint narrative:
My Lexis Nexis report indicates that XXXX XXXX XXXX ran four inquiries on my report. Two on XX/XX/2023 and two on XX/XX/2023 At this time, my Lexis Nexis file was frozen. 


XXXX XXXX XXXX  didn't have my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: LEXISNEXIS
State: TX

Complaint narrative:
Good day, I sent the documents to LexisNexis on how they are reporting information dealing with XXXX bankruptcies. The information on the reports is not accurate by far. And I have asked them to delete them according to the FCRA. I sent them multiple documents from the court and the XXXX system pointing out these errors. I sent it by certified mail well over a month ago with no response. Thus violating my rights to have clear and accurate reporting on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I am writing to report a distressing incident regarding unauthorized account activity and threats made by XXXX, a subsidiary of XXXX XXXX. I have been a victim of fraud and identity theft in the past, and it appears that my personal information has once again been misused to open an account without my consent. I kindly request your assistance in resolving this matter promptly. 

The unauthorized account in question is associated with XXXX XXXX and was reported by a company named Credit Collection Services under file number XXXX XXXX XXXX. I was completely unaware of this account 's existence until I discovered it on my recent credit report. To my dismay, the account is negatively impacting my creditworthiness and causing undue stress. 

In an effort to rectify this situation, I reached out to XXXX directly to explain the issue and request immediate action. I spoke with a representative named XXXX, who regrettably failed to provide the assistance and support I had hoped for. Instead, she informed me that I was responsible for making payments on a phone that I neither possess nor require. This demand from XXXX places an unfair burden on me and exacerbates the distress caused by the unauthorized account. 

Given my previous experience with fraud and identity theft, I am deeply concerned about the potential implications of this unauthorized account on my financial well-being and personal security. I have taken all necessary precautions to protect myself from such incidents, including regularly monitoring my credit report and being cautious with my personal information. It is disheartening to find myself entangled in such a situation once again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
CLAIM # XXXX XXXX Purchased jewelry while on vacation. 

XX/XX/ Reached out to merchant via e-mail requesting a pricing adjustment since the items were fake. No response received. 

XX/XX/ Filed a dispute with my credit card company. Had the items tested with a local jeweler and they were determined to be synthetic. 

XX/XX/ Received a letter from the credit card company stating that since the items were purchased in person and they didn't have a valid document to compare what we bought vs the jewelers determination. 

XXXX  Spoke with the credit card company via phone. We discussed the fact that there would have been no way for me to determine that the items were fake just by looking at them in the store. I also pointed out that I did in fact provide the documentation showing what the merchant claims they sold me vs the jeweler 's statement that the items are synthetic. I was told that there is nothing else they can do because of time limitations. I filed the claim XX/XX/ and didn't get a reply until XXXX so I feel the credit card company worked time-line in the merchant 's favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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 interest free promotional purchases on my Care Credit account. Every month I have difficulty paying those promotions off because my payments arent being allocated correctly. I have to call or virtually chat with a representative at least 3 to 4 times after each payment to get it fixed. Each representative tells me that theyve allocated my payment as requested only to not have done so. I know that this is a tactic used by Care Credit in hopes that the consumer wont pay off the promotional purchase and they can charge interest. I make most of my payments online and then immediately contact them to allocate the payments. I have even tried making payments directly over the phone in hopes that my payments would be allocated correctly without having to contact th multiple times. That did not help either.

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 2023-07-17 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: VA

Complaint narrative:
In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnish an account without my written instructions.

15 u.s.c 1681c ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other then records of convictions of crimes which antidotes the report by more then seven years.

15 u.s.c 1681s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery associates is reporting an account as a regular account however it is a collection account Portfolio recovery associates purchased this debt from XXXX XXXX Upon XXXX this debt they began reporting it to the credit buraus as collectable however Portfolio Recovery Associates never notified me that they purchased the debt. Portfolio recovery associates also never notified me of my right to dispute this debt. 

in addition Portfolio REcovery Associates is reporting the date of first delinquency as XX/XX/ when in fact the date f first delinquency was XX/XX/XXXXwith no payments or promises to pay being made after that.

Company response to consumer: Closed with explanation