vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently filed a report with Experian, XXXX, and XXXX  of inaccurate items being reported on my credit reports. Experian and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2020-01-27 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I havent authorized this financial institue to obtain my credit report. I have clearly mentioned lender not to use this financial institute for auto loan purposes. This is seriously damaging my credit score. I would like the financial institute to remove this hard inquiry on credit report. I have previously sent out letters to this company to remove the inquiry and they failed to remove it. I'm demanding to provide proof of authorization that made personally to this company or else remove it immediately. 
Inquiry made on XX/XX/2019 ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: NY

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 60 ) days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have an " Amazon Store Card '' through Synchrony Bank with a {$0.00} balance. Synchrony just lowered my credit limit from {$3500.00} to {$1000.00} without telling me, negatively impacting my credit utilization ratio. I am in the process of applying for a mortgage and this made my credit score go down significantly. 

Synchrony claims that they sent out a letter or email prior to lowering my credit limit, but I received no such communications from them. I found out about the decrease through the credit monitoring service I pay for, MyFICO, when I received a notification yesterday, XX/XX/2020, saying that my limit decreased. A quick search of online credit forums reveals that they've done this to many people, without any advance warning. I immediately logged in to Synchrony and requested an increase, which was immediately approved for {$5000.00}. However, my score has already taken a hit and I am worried about my mortgage application. 

I called Synchrony today at XXXX EST to ask them to immediately update the credit bureaus with my current credit limit, but they declined to do so. I spoke with a customer service rep named XXXX and his supervisor named ( XXXX or XXXX ). They both claimed they had no authority to send an out of cycle update, despite the fact that their company totally screwed me over. 

I am trying to put an offer in on a house *today* and am worried I will have to pay a higher interest rate because of this. I am completely blindsided and don't want to end up paying a higher interest rate or missing out on the property entirely while I wait for my score to update. There's another offer already and the sellers aren't going to wait around. Please make Synchrony report my new {$5000.00} credit limit immediately to all bureaus.

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: CORELOGIC INC
State: MO

Complaint narrative:
I havent authorized this financial institue to obtain my credit report. I have clearly mentioned lender not to use this financial institute for auto loan purposes. This is seriously damaging my credit score. I would like the financial institute to remove this hard inquiry on credit report. I have previously sent out letters to this company to remove the inquiry and they failed to remove it. I'm demanding to provide proof of authorization that made personally to this company or else remove it immediately. 
Inquiry made on XX/XX/2019 ( 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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Information on my Experian credit report does not belong to me.

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 2020-01-27 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: NY

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-01-27 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: NY

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-01-27 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am concerned that the credit bureau is not correctly sharing my credit information. My credit score is excellent yet I am being offered exorbitant interests on loans, credit cards, and credit card offers. I recently again checked my credit report and one of my accounts transferred from XXXX XXXX  to XXXX XXXX XXXX  continues to show as closed on my credit report and not removed from my credit report. The credit bureaus can not explain to me why I am being offered such high interest rates with my excellent credit. 

Also, I have filed for reimbursement for my XXXX XXXX credit information being hacked and after several months of waiting, I have not yet received a response nor reimbursement as required by law.

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX  and XXXX  removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Equifax did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
MACYS HAS BEEN REPORTED ON MY CREDIT REPORT. BUT THE CHARGES AND THE ACCOUNT IS NOT MINE. ITS A FRAUDULENT ACCOUNT WITH FRAUDULENT CHARGES. AN IDENTITY THIEF STOLE MY INFORMATION AND PRETENDED TO BE HE/SHE MAINTAINED THIS ACCOUNT. CHARGES WERE NOT MADE BY ME.

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX HAS BEEN REPORTED ON MY CREDIT REPORT. BUT THE CHARGES AND THE ACCOUNT IS NOT MINE. ITS A FRAUDULENT ACCOUNT WITH FRAUDULENT CHARGES. AN IDENTITY THIEF STOLE MY INFORMATION AND PRETENDED TO BE HE/SHE MAINTAINED THIS ACCOUNT. CHARGES WERE NOT MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
LVNV Funding LLC purchased my account from XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX. The balance was {$780.00}. They reported this collection to the credit bureaus in XXXX of XXXX. It dropped the score from one agency 78 points, and 28 points for another. I contacted LVNV on XX/XX/XXXX, we settled for a lesser amount. I had been working hard to pay my credit collection debts in XXXX and XXXX of XXXX, with positive results. This raised my credit scores to XXXX for XXXX, and XXXX with XXXX. Since LVNV purchased my account in XXXX of XXXX, should've they contacted me before turning this debt over to the reporting agencies? 
I contacted them today XX/XX/XXXX. They told me they did not have to contact me after purchasing this account since it was a charge off. However they did confirm a verification of payment is being sent in the mail as of XX/XX/XXXX. Were they supposed to contact me before hand? If so, since the debt is settled, can this be deleted from my history, and can my previous credit score be reinstated? Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am concerned that the credit bureau is not correctly sharing my credit information. My credit score is excellent yet I am being offered exorbitant interests on loans, credit cards, and credit card offers. I recently again checked my credit report and one of my accounts transferred from XXXX XXXX  to XXXX XXXX XXXX  continues to show as closed on my credit report and not removed from my credit report. The credit bureaus can not explain to me why I am being offered such high interest rates with my excellent credit. 

Also, I have filed for reimbursement for my XXXX XXXX credit information being hacked and after several months of waiting, I have not yet received a response nor reimbursement as required by law.

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 2020-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I signed up for a security monitoring service named XXXX  On XX/XX/XXXX I received an email stating that XXXX is becoming XXXX XXXX XXXX On XX/XX/XXXX my security monitoring contract ended with XXXX I advised XXXX XXXX XXXX on XX/XX/XXXX that if they could not lower my rate I did not want to continue with the service. They sent me an email invoice and told me that the contract would be attached within a couple of days. The contract was never attached, I called back and still no one was able to assist with the contract. At that point I advised that I no longer wanted to move forward with the deal. 
XXXX proceeded to continue to attempt to charge me for the amount XXXX even though I am no longer under contract and advised that if they could not lower the amount I am leaving. 
I reach out to another alarm system provider and was advised that I could not use the system with any other service because the system is locked. I have attached text message conversations between XXXX and me that shows where they told me after a year I would be able to use the equipment with any other provider. Which has now proven to be false. 
So then I notice that XXXX started charging a debit card that I did not have on file. I used the card for a one time purchase at XXXX and did not have it listed as a form of auto draft for monthly payments however XXXX decided to charge my debit card that I did not authorize for payment multiple times in the amount of {$44.00} 3x 's within one week. 
I reached out to Chase who reversed the funds and returned the money back to me, then they reached out to XXXX who provided them with a signed contract from me to prove that I agreed to the amount they were charging. Chase then charged me in the amount of XXXX x 's 3 again, so now I am out of money that I do not owe XXXX. I never signed a new contract with Brinks and do not know how they could have provided Chase with a contract, I advised XXXX in XX/XX/XXXX that I no longer wanted the service if they could not lower rate. I reached out to XXXX and they said that they do not send contracts to banks. Chase is now telling me that they can not give me my money back. In a nutshell I do not have a contract of service with XXXX, I did not authorize the use of my debit card for payment and I can not use the monitoring system with another company as they and XXXX stated to me. Please see all attachments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Request for Accounting under Article 9, Section 210. 

since XX/XX/XXXX my Balance does not seem right XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX as to XXXX they call on sundays and throughout the week until I complained to the federal telephone. 
The fees they charge {$25.00} per month from XX/XX/XXXX was unfair as they never sent the coupon or statement where to mail the check. 

The care dealer sold the cheapest and oldest cars in their inventory at the highest markups and was never listed or out in the car park it was just brought to the front and I was told this is it and I was in real need of a car. 

The markups from the dealers ( XXXX XXXX ) was based on my credit. 
They are trying to put me into a borrower defaults. By Adding the missing XXXX payment. 
According my credit report I have paid every month. 
Credit acceptance is in a practice with dealer to hold false advertising, fraud, deception and violations of the Truth in Lending Act. and misrepresnted my mileage on the car when I bought it and lack of disclosure, and overcharged and spiked the interest rate.

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 2020-01-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent multiple letters to XXXX, XXXX, transunion and have also disputed this collection account by the name of the bureaus online and have not been able to delete this account which i have no knowledge of or no contract with. This account The Bureaus has multiple errors reporting as well which ive stated to them before

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 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I attempted to login into my account, I was locked out. My password was changed. I called Bluebird and was informed to change password and sent a new card. Only to discover my account was wiped out of {$2300.00}. The money was sent to some person I have never heard. They stated they would have to investigate. Fine, after the investigation they denied and insisted I must have completed this transaction which is completely not true. On XX/XX/XXXX I called back for answers, When asked, the fraud supervisor what steps were used to investigate he stated he does not know. When ask which information or documents were used he stated he did not know. I don't believe they truly investigated. They would know I did not do this they didn't even know where the money was picked up or sent. They never checked the location where the transaction was completed when logged in, or try to find out anything about the person who's name the money was sent to. I have never even heard of this person. The money transfer service stated the store was located in New York I don't know anyone in New York. They are basically trying to tell me Im just out of my money how is this even right?

Company response to consumer: Closed with explanation