vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Have tried disputing the inaccurate account with the credit bureaus, they said the information was verified. Tried disputing the account with the original creditor and have failed to update any inaccurate information and is still damaging to my credit report. They have also failed to mark my account as disputed within the legal timeframe ( 30 days ). 
I would like this outdated and erroneous information removed from my report immediately. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: CT

Complaint narrative:
My previous Credit Score with all agencies was between XXXX and XXXX. 

On XX/XX/XXXX, XXXX reported that I paid my last payment to them late and since then my Credit Score has declined to between XXXX and XXXX. 

I have disputed the negative claim by XXXX because according to my records this should not have been reported as a negative. Here are the details : I had a 36 month lease with XXXX XXXX with an automatic payment. The lease was set to expire on XX/XX/2021 so I asked for a 1 month extension to decide my options of buying the vehicle. XXXX was able to extend the lease online to XX/XX/2021. 
Before the end of the lease, I called XXXX to provide the payoff amount and mailed a bank check that was cashed by XXXX on XX/XX/XXXX ( This included the last payment ). XXXX never told me that I had to make the last payment manually and on XX/XX/XXXX, they reported a negative credit issue to report that a late payment was made on the account. 
It is probably embedded into the 1 month extension that I was supposed to make the last payment manually but it is unfair to have reported it as negative after 36 +ve payments. And this after I spoke to them multiple times for the lease extension as well as the purchase. 
I have had no other negative issue on my account for as far back as I remember. I am asking that this negative be removed. 
I started a dispute with both XXXX and reported it also to Experian but my score has kept moving downwards in the last 2 months from a high of around XXXX to XXXX. This is not correct.

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 2021-09-10 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: TX

Complaint narrative:
They are not in compliance with continuing to report fraudulent, incomplete, and inaccurate information to my credit report. I have sent them multiple dispute letters and they have failed to perform a proper investigation as per FCRA guidelines! 
The below information needs to be removed from my credit report immediately! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account is reporting multiple inaccuracies and violations of my consumer rights. I have disputed this with the bureaus and the creditor, both of which have failed to remove or correct any of this information. Creditor has also failed to mark this account as disputed and is reporting a derogatory/collection status which is inaccurate, this account should reflect as " PAID AS AGREED ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: NJ

Complaint narrative:
XXXX said account was not derogatory/owed however sold to Fair collections outsourcing during Covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent all three credit bureaus verification request. Request came back verified. I'm not sure how. I contacted portfolio recovery requesting debt validation. They failed to properly validate and did not sent back the 5 items listed in my letter. Instead they began to send me collection notices. I sent notice to the credit bureaus but still they keep reporting this debt collection on my report. I sent a 3rd request to Portfolio Recovery to validated the debt as the credit bureau, XXXX specifically, advised me that portfolio recovery had to send me what they used to validated the debt. Again they did not send all items listed including a contract. I even contacted XXXX XXXX the company they are collecting for they were not able to locate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I feel its unfair that I was not given the full benefit of my bankruptcy chapter XXXX. I already suspect my entire backruptcy was bought and sold BACK to the reporting agencies. ( XXXX, Equifax and XXXX ) I know how bankruptcy goes and none of these court ordered discharged debts should be anywhere on my credit report. These accounts are actively and inaccurately reporting as if I never filed my bankruptcy. I have been disputing accounts and monitoring multiple sites and its awful how I am being treated. I have already contacted an attorney and he will see too it I get justice.

This one particular account I will include in this report is a whole entire fraud case from XXXX! I requested XXXX Verify and validate accounts that shouldnt be reporting be cause they are DISCHARGED debt. Not charge Offs or delinquent or late. My entire credit report has been sabotaged! I demand every negative removed OFF my report. Between XXXX, Equifax and XXXX XXXX, I legit have discharged debt illegally reporting! when i dispute it, each agency comes back with a generic reason adding to the " remarks '' i disputed and chapter XXXX bankruptcy. That isnt how things are supposed to work. 
And under no circumstances should ANY credit reporting employee be allowed to alter, falsify, edit, change or modify any information on reporting documents and if requested it is the duty of that worker/reporter to properly verify and validate any account upon request. There are several inaccurate reporting accounts on my report and when I dispute this one XXXX alters it every single time. I am going to attach my evidence so others can see this and if its done to you, always speak up. XXXX will be held liable, all evidence will be forwarded to the courts. There is a such thing as a victim of malicious fraudulent reporting. And Bankruptcy debt buyers that purchase only chapter XXXX and XXXX bankruptcy debt. I have one planted as a creditor on my bankruptcy documents! 

So be VERY careful with whom you allow to file your bankruptcy! 

this account I have disputed at least 8 times change information EVERY single dispute. 
XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Absolutely noone should be treated this way . And I plan on seeking justice. This whole ordeal is criminal! 

My son just filed a chapter XXXX and all his debt is gone! I have unknowingly been sabotaged almost 4 years now my chapter XXXX bankruptcy was never discharged because its greedy people out here that want to invest in buying and reselling discharged debt! I already know the attorney was involved because he seems to be running now. I hope someone can help me with this problem because its completely overwhelming!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: MN

Complaint narrative:
Good Afternoon I am here to submit complaint against Westlake Financial the lender of my auto loan. Westlake Financial has my account in a charge-off status as of XXXX XXXX XXXX Which I have continued making payments since XX/XX/XXXX. In XX/XX/XXXX I have continually requested a written Payoff quote. Which Westlake Financial failed to provide until XX/XX/XXXX through email. The reason for the written payoff quote was I filed a Class Action Against The XXXX XXXX for the BUYBACK program due to having a continue recall part that has been replaced multiple times. Which I was AWARDED in XXXX of this year through XXXX XXXX XXXX XXXX. XXXX XXXX has been patience and supportive trying to get the payoff taken care of in timely manner. Which once again Westlake Financial prolonged until XX/XX/XXXX. Now where things stand, Westlake Financial has weaponized me with the REPO with the condition I would pay {$100.00} to put a 72 hour hold thereafter I would have continue paying an extra {$100.00} for 72 hour hold until they receive the Payoff amount from XXXX or Myself. Looking back at the Payment History I started questioning why I was charge interest showing payments didn't go to Principal of my loan. First charge was in XX/XX/XXXX when my contract stated first payment not until XX/XX/XXXX. When asked Westlake Financial responded " You sign Retail Installment Sale Contract Simple Finance Charge ''. Which was NOT explained at the time of purchase. This has been the biggest nightmare of me life. It has affected my credit huge. I thank you for taking the time to hear my concerns with Westlake Financial NIGHTMARE.

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 2021-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Lowes hardware store offers a great promotion whereby consumers can get five percent off of most purchases made at Lowes when using their store credit card. I recently applied for a credit card with them through Synchrony Bank. 

I checked my credit score in XXXX XXXX  and it was XXXX. I understand this score is higher than that of XXXX XXXX  of consumers. I have a net worth of more than XXXX XXXX  of U.S. citizens with a total debt to income ratio of about XXXX XXXX. To protect my credit, I have credit freezes in place with all three major credit reporting companies. 

The first time I applied with Lowes/Synchrony , I was told that my application was denied because I have a credit freeze in place. A few weeks later, I lifted the freeze and applied again. This time, I was told that I was denied for the following reasons : Too much available credit on revolving accounts ; Average balance of accounts is too high ; Length of time accounts has been established is too long ; Too few non-mortgage accounts. 

I have a total of three credit cards, so find it hard to believe that I have too much available credit on revolving accounts or the average balance of accounts is too high based on my income and that my typical credit card balance is XXXX. I have no idea why the length of time accounts has been established is too long would be evaluated as a negative. Finally, why would too few non-mortgage accounts be a problem? I think having three credit cards would be sufficient. 

Id like for Synchrony to explain plainly and clearly why I was denied for the Lowes store credit card given my excellent credit, income, debt-to-income ratio, and assets.

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 2021-09-10 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: CarMax, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I sent a letter to Carmax about the inaccurate information about the amount that was owned by me and a spouse at the time. I asked them to send me paper work in regards to the vehicle being repossessed in the cities of XXXX or XXXX  XXXX, MI and why I was not notified about this matter and how much was it sold in the amount of. I did some investigation and saw it was sold back on XX/XX/XXXX but with no amount as to how much. I then sent a letter to CARMAX give them 15 business days to respond back to me on the matter. I received no responds back. 

The three credit bureau 's shows even more in-accurate information as in high balance being {$13000.00}, Balance {$5400.00} and showing collection/ charge off with no comments showing repossessed and what it was sold for. 

Carmax is still growing interest on my credit report and at 13.05 % interest rate and the payoff balance is {$8800.00} as of XX/XX/XXXX, subject to change. 

On XX/XX/XXXX I sent a letter to all 3 credit bureau 's with a dispute of all the in -accurate information showing on my credit they did a investigation and the only thing i received was an update but nothing changed. XXXX never respond to me at all about the dispute. For every matter I sent a certified letter with the post office also. There is no dispute with XXXX at all also. XXXX did only an update of the same information that was already there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
My previous Credit Score with all agencies was between XXXX and XXXX. 

On XX/XX/XXXX, XXXX reported that I paid my last payment to them late and since then my Credit Score has declined to between XXXX and XXXX. 

I have disputed the negative claim by Chrysler because according to my records this should not have been reported as a negative. Here are the details : I had a 36 month lease with Chrsyler Capital with an automatic payment. The lease was set to expire on XX/XX/2021 so I asked for a 1 month extension to decide my options of buying the vehicle. Chrysler was able to extend the lease online to XX/XX/2021. 
Before the end of the lease, I called Chrysler to provide the payoff amount and mailed a bank check that was cashed by Chrysler on XX/XX/XXXX ( This included the last payment ). Chrysler never told me that I had to make the last payment manually and on XX/XX/XXXX, they reported a negative credit issue to report that a late payment was made on the account. 
It is probably embedded into the 1 month extension that I was supposed to make the last payment manually but it is unfair to have reported it as negative after 36 +ve payments. And this after I spoke to them multiple times for the lease extension as well as the purchase. 
I have had no other negative issue on my account for as far back as I remember. I am asking that this negative be removed.

I started a dispute with both Chrsyler and reported it also to XXXX but my score has kept moving downwards in the last 2 months from a high of around XXXX to XXXX. This is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: TX

Complaint narrative:
They are not in compliance with continuing to report fraudulent, incomplete, and inaccurate information to my credit report. I have sent them multiple dispute letters and they have failed to perform a proper investigation as per FCRA guidelines! 
The below information needs to be removed from my credit report immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-11 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: TX

Complaint narrative:
They are not in compliance with continuing to report fraudulent, incomplete, and inaccurate information to my credit report. I have sent them multiple dispute letters and they have failed to perform a proper investigation as per FCRA guidelines! 
The below information needs to be removed from my credit report immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Have tried disputing the inaccurate account with the credit bureaus, they said the information was verified. Tried disputing the account with the original creditor and have failed to update any inaccurate information and is still damaging to my credit report. They have also failed to mark my account as disputed within the legal timeframe ( 30 days ). 
I would like this outdated and erroneous information removed from my report immediately. 

Thank you, 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 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Have tried disputing the inaccurate account with the credit bureaus, they said the information was verified. Tried disputing the account with the original creditor and have failed to update any inaccurate information and is still damaging to my credit report. They have also failed to mark my account as disputed within the legal timeframe ( 30 days ). 
I would like this outdated and erroneous information removed from my report immediately. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX I sent a letters regarding inaccurate and unknown things on my credit report. To date it has been more than 60 days that I have not received a response. At this point I feel as if I have been not been treated fairly and my disputes are being ignored. Section 611 ( a ). states clearly that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. as stated prior it is past 60 days so they should be deleted punctually. I demand that these accounts be deleted immediately or I will file a ligation due to XXXX  caused to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Last year I enrolled with XXXX to help settle my debt. Before they dropped me ( financial issues ) they had settled a few debts one of which was XXXX  XXXX XXXX XXXX visa aka XXXX  XXXX XXXX They paid all but one payment of the settlement before returning my money back to me from my account they had. I don't know why they didn't make this final payment. However when I found out they didn't I paid the final amount plus some. Since then they have continued to bill me and give me negative marks on my credit report. I have tried going through XXXX and the company about it and have gotten no where. It's like the company is pretending they never made a settlement while continuing to hurt my credit.

Company response to consumer: Closed with explanation