vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am requesting that American Express increase my limit back to XXXX. I have been a client of Amex for 5 years with XXXX personal credit cards, and one business card. A few months ago, Amex decreased my credit limit to XXXX. It is important to note that I was never late on any of my Amex accounts, and I never held a huge balance even though this card was XXXX. I was informed that Amex performed a soft pull and made a decision based on balances on other cards that have since been paid down, and a late payment reporting on an auto loan which is inaccurate, and I am in the process of filing a lawsuit against the credit bureaus. If someone from Amex would have reached out to me prior, then they would have gotten this information from me, and we could have avoided this. I will be submitting my credit card statements, bank statement, notice of lawsuit, and the reconsideration letter that was faxed to Amex. My bank statement will show that I am more than capable of making monthly payments, so I am frustrated that I am even going through this process. I love my relationship with Amex and would like to continue to grow with them. I have no desire for a credit card with that low of a balance. Please increase my card back to {$12000.00} as this has been a miscommunication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Company calls multiple times a day and occasionally repetitively. XX/XX/XXXX 7 times XX/XX/XXXX 4 times for the last month on average. Additionally calls from No Caller ID multiple times a day directly before or after using business number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing about 2 issues with Experian not having my writing instruction to report items on my consumer report & Experian reporting incorrect information on my consumer report. 

This section is very clear that Experian must have my written instruction. And they dont have my instruction to report XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, or XXXX on my credit 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Secondly, Experian is reporting XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, or XXXX on my consumer report as Charge off 's after they file 1099C. Charge off is defined as Gross Income by IRS. And they have already received income from IRS for the alleged debt. And income is not suppose to be reporting on my consumer 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 explanation
Consumer complaint received 2023-07-02 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: PNC Bank N.A.
State: NJ

Complaint narrative:
Credit inquiry from XXXX XXXX XX/XX/23 isn't mine Credit inquiry from XXXX XXXX on XX/XX/23 isn't mine Credit inquiry from PNC on XX/XX/23 isn't mine Credit inquiry from XXXX on XX/XX/23 isn't mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have new and updated information in regards to complaint number XXXX. Midland Credit Management did not provide sufficient information in response to my notice and Cease and Desist. They are also still reporting negative information that has been disputed on my consumer report which is causing me more harm and stress due to being unable to rightfully utilize my credit. This information is misleading and deceptive

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: TX

Complaint narrative:
this account XXXX XXXX  XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/23 I sent a letter to received validation for an account on my credit report under XXXX XXXX I never received a response, and I just checked my new credit report and not XXXX, XXXX, or Experian updated this to in dispute. I know that this is against the 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 2023-07-02 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Consumer Financial Protection Bureau Settles with Santander Consumer USA Inc. for Credit Reporting Violations in Connection with Its Auto Loans ( Santander to address the Bureau 's finding that it violated the Fair Credit Reporting Act ( FCRA ). The consent order was issued in connection with Santander providing erroneous consumer loan data to consumer reporting agencies ( CRAs ). Santander, a subsidiary of XXXX Santander XXXX, is a leadina originator and servicer of nonprime auto loans and leases. Santander furnishes credit information on the auto loans it services by sending monthly data files to CRAs. 
The Bureau found that the consumer loan data Santander furnished to CRAs between XX/XX/XXXX and XX/XX/XXXX contained many systemic errors that in many instances, could have negatively impacted consumers ' credit scores and access to credit. The consent order requires Santander to take certain steps to prevent future violations and imposes a {$4700.00} civil money penalt How to delete a negative Santander car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: GA

Complaint narrative:
I am the author of this complaint. I have mailed the attached letters to the CRAs disputing the completeness and accuracy of the following accounts that are reporting on my credit report. I am asking the CRAs to view the attachments and send the results of their investigation to me by mail. The following attachments has already been served via certified mail with a return receipt and I am just further documenting with the CFPB Delete Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Update Late Payments to 100 % paid on time : XXXXXXXX XXXX XXXX XXXXXXXX Delete Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, personal XXXX Finance, personal 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 2023-07-02 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: GA

Complaint narrative:
I am the author of this complaint. I have mailed the attached letters to the CRAs disputing the completeness and accuracy of the following accounts that are reporting on my credit report. I am asking the CRAs to view the attachments and send the results of their investigation to me by mail. The following attachments has already been served via certified mail with a return receipt and I am just further documenting with the CFPB Delete Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Update Late Payments to 100 % paid on time : XXXX. XXXX XXXX XXXXXXXX Delete Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, personal XXXX  Finance, personal XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: TX

Complaint narrative:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 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 XXXX XXXX XXXX XXXX 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 2023-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I was never late on the paid off account listed above. Please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: CO

Complaint narrative:
I've disputed a few accounts on my Experian credit report that were not reporting accurate information. I sent two letters ( one on XXXX and another on XXXX ) asking for verification and the method of verification used as the information that was reported was not correct. They have not sent any validation other than telling me that my information has been " updated ''.

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 2023-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX when I try to access my bank account it says my debit card is closed. I contacted chase customer service and they said my account is closed and they never told me the reason why they closed my account. At this time XXXX cant have access to my money because chase will not release my money at all. 
The amount chase holding from me is : {$3600.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
XX/XX/2023, MEDICAL DATA SYSTEMS I put a collection in my credit for {$660.00}. I didn't not give consent for a third party to have access to my medical records

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: AL

Complaint narrative:
The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 item of information, other than records of convictions of crimes which antedates the report by more than 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 2023-07-02 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 am a victim of identity theft. I have never authorized those companies to approve or view my credit report. These fraudulent accounts should be removed immediately. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B.

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 2023-07-02 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: IL

Complaint narrative:
Consumer Financial Protection Bureau Settles with XXXX XXXX XXXX XXXX for Credit Reporting Violations in Connection with Its Auto Loans ( Santander to address the Bureau 's finding that it violated the Fair Credit Reporting Act ( FCRA ). The consent order was issued in connection with XXXX providing erroneous consumer loan data to consumer reporting agencies ( CRAs ). XXXX, a subsidiary of XXXX XXXX XXXX, is a leadina originator and servicer of nonprime auto loans and leases. XXXX furnishes credit information on the auto loans it services by sending monthly data files to CRAs. 
The Bureau found that the consumer loan data XXXX furnished to CRAs between XX/XX/XXXX and XX/XX/XXXX contained many systemic errors that in many instances, could have negatively impacted consumers ' credit scores and access to credit. The consent order requires XXXX to take certain steps to prevent future violations and imposes a {$4700.00} civil money penalt How to delete a negative XXXX car

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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2022, I Was entrapped into a loan by the clinic listed in the attachment PDF below, after I realized that the deal was fraudulent, I expected XXXX to honor my Frozen and locked credit wich, at the time this happened it was. I believe it can only be unlocked by me by phone and with a series of questions. I never received a call from XXXX nor XXXX or XXXX, I need help to reverse this transaction, please and thank you for your attention,

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 2023-07-02 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: IL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Hello, In XXXX I financed a XXXX XXXX XXXX XXXX ( Vin # XXXX ) with a {$3000.00} down payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WI XXXX. 

With the recent and also past lawsuits that Credit Acceptance Corp. has been involved in ( according to multiple national news networks ) has made me take another look at my contract with them in XXXX. Not only did I notice my APR was at 23.99 % but there was an optional extended warranty for {$1400.00} and a optional GAP protection for {$630.00} somehow was added to the contract. Knowing that these extra useless expenses that were added, would eventually cause me to default on the loan.

I believe that C.A.C. is in violation of Wisconsin State Laws regarding " Usury '' with this contract. I will attach a copy of the contract to this complaint. And I will be providing Wisconsin XXXX Attorney General a copy also. Thank you for your time. 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 2023-07-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act violation. 
The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-07-02 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: NC

Complaint narrative:
I have included an attached letter explaining the issue, I have disputed over and over to get these issues fixed and my last steep is to bring my attorney into this cause I have all the information showing what XXXX is reporting is incorrect and each time i Dispute nothing is resolved. Im not sure but maybe its all automated and this is causing XXXX to not see the issue. 

XXXX Opened XX/XX/XXXX then went 90 Days Late Charged Off XX/XX/XXXX Paid to Collector who had the account XX/XX/XXXX Report showing its been Charged-Off 3 different months instead of just XX/XX/XXXX Date of First Delinquency XX/XX/XXXX ( Correct ) Date of Major Delinquency was XX/XX/XXXX as XXXX XX/XX/XXXX then when I Disputed the Charge-Offs XX/XX/XXXX the date was changed to XX/XX/XXXX for the Date of Major causing FICO to drop my score XXXX points showing me less than 60 days late when it was over 4 years all cause they changed the " Date of Major '' from XX/XX/XXXX to XX/XX/XXXX when it was Paid in Full XX/XX/XXXX ... Make sense???? 
I have included all the Documents... 
PLEASE HELP... I cant get XXXX to respond or act upon any of this ..XXXX XXXX has them as being removed do to issues just like this...

Company response to consumer: Closed with non-monetary relief