vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I have disputed this medical bill three times and Ive called as well and sent the LOP to the collection agency and the Hospital. The hospital contacted the collection agency to make them pull from my credit report and they did from all three but then reported to XXXX putting it back on my report! I called the collection and hospital today XX/XX/2019 and the rude lady at the collection agency hung up on me! I then called the hospital and left voicemail letting them know that Holloway Credit Solutions put the medical collection back on my XXXX knowing I sent them Letter of Protection from my lawyer and they received it! The hospital has LOP as well now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: GA

Complaint narrative:
I have made several attempts to have Experian validate an account theyre reporting on my credit file from XXXX XXXX. After several failed attempts in requesting that they validate and provide copies of any documentation associated with this account, bearing my signature. I have been keeping carful records of all actions that Equifax has taken my originals letters have made it very clear that I do not consent to XXXX or any other means of automated verification. Several letters requesting this information was delivered and received by Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as of today XX/XX/XXXX they have fail to comply with the Fair Credit Reporting act and to my request this is my final attempt at resolving this issue before proceeding with filling a lawsuit and having a judge order Experian to provide this information in the court of law. 

Please note that I have kept a very detailed paper trail for this matter and have all the proper documentation to support my claim.

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 2019-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI
State: TX

Complaint narrative:
I am a victim of fraud and identity theft. General Revenue Corporation first contacted me by letter dated XX/XX/2019. The letter falsely stated that I owed the XXXX XXXX XXXX a {$18000.00} debt. The {$18000.00} debt that General Revenue Corporation was hired by the XXXX XXXX XXXX  to fraudulently attempt to collect is the result of fraud. I provided General Revenue Corporation with a copy of my FTC identity theft report supporting this fact on two separate occasions. Nevertheless both General Revenue and the university continue to attempt to collect this fraudulent debt. 

As an identity theft victim, I have asked the debt collector and the university to provide me with copies of all their records relating to this account, this debt, and the theft of my identity. To date, both have intentionally withheld and/or refused to provide response records. 

General Revenue Corporation is the second debt collection agency that the XXXX  XXXX XXXX has retained to intentionally harass and oppress me about this {$18000.00} fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL

Complaint narrative:
I paid my loan off over 3 weeks ago and still have not received my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: FL

Complaint narrative:
This is my Third attempt to rectify this error on my credit report on or around XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019. A dispute was sent via mailed regarding these items listed below yet these accounts remain as valid, this must be an error within your organization, as these items should not be on my credit profile. your organization said that it was verified these information

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 2019-07-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not give these people permission to ran my credit. Ive asked them to remove them and they are still on my credit. What can I do? 
Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies   XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX  Inquiry : XX/XX/XXXX Mail Order Firms Contact the inquirer : MAIL ONLY XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX/XXXX  Inquiry : XX/XX/XXXX Bankcard XXXX/XXXX  Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXXXX/XX/XXXX Inquiry : XXXX. XXXX, XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX  Inquiry : XX/XX/XXXX National Credit Card Cos. 
Contact the inquirer : MAIL ONLY XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX AUTO FINANCE Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX   Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX/XXXX Inquiry : XXXXXX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXXXX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX  XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX RENT   Inquiry : XX/XX/XXXX Real Estate and Public Accommodations ( XXXX ) XXXX Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I was served papers by messerli and Kramer law firm for an old XXXX debt totaling {$3000.00}. I called and we agreed on a settlement amount, that would be paid soon as I received the settlement offer. The rep/attorney said she wouldnt move forward with the lawsuit for 2 weeks to give time for the letter to get to me. I never received it, so I called again and the attorney emailed it to me. I paid the settlement amount as agreed. Today I received a letter saying they are dismissing without prejudice and said Im carrying a balance of {$540.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: AL

Complaint narrative:
I have disputed this Medical Collection account with Equifax three times and have called Equifax letting them know that this account is in Litigation and that I have a XXXX until my medical case is closed! It got removed but then put straight back on my Equifax report one week later!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc
State: MI

Complaint narrative:
In XX/XX/2019, I received a notice from XXXX that I had a negative account added to my reports. Upon reviewing my reports I noticed a {$120.00} collection from XXXX XXXX XXXX severely dropping my score. I never received any type of communication about this alleged debt. I decided to send the collection agency a dispute letter requesting debt validation. I got a response from Collection Bureau of Ft Walton Beach requesting that I send in a medical release form, and that if I don't they will see any future communications from me as " irrelevant and frivolous. '' The debt is not mine I have never heard of neither the collection bureau or the original creditor nor have I've never heard of sending release forms and affadavits to a collection agency to get validation. They are bound by law to either validate this debt or cease reporting/collecting and have it removed from my reports. I take my credit and identity very seriously.

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 2019-07-27 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


DEPT OF ED/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a new account with BBVA. I received my new account/TISA disclosure when I opened the account. Approximately two weeks later I went to process an external transfer and noticed I would be charged a {$3.00} fee. I reviewed by TISA that was provided at the time I opened by account and it DID NOT disclosure this fee. By not knowing this at the time of opening my account, the Bank did not provide me sufficient information to assess my desire to continue with opening the account. This is unfair ( mis-leading ) and a deceptive practice to get people to open their account and then BANG charge them fees to access or move their money out of the Bank without proper disclosing it when the account WAS OPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not give these people permission to ran my credit. Ive asked them to remove them and they are still on my credit. What can I do? 
Hard Inquiries XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX   XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Mail Order Firms Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX/XXXX Inquiry : XX/XX/XXXX Bankcard XXXX/XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX   XXXX  Inquiry : XX/XX/XXXX National Credit Card Cos.

XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX National Credit Card Cos.

Contact the inquirer : MAIL ONLY XXXX  Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX   ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX  ) XXXX   XXXX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Real Estate and Public Accommodations ( XXXX ) XXXX Thank you so much.

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 2019-07-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not give these people permission to ran my credit. Ive asked them to remove them and they are still on my credit. What can I do? 
Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XXXX XXXX, XXXX Mail Order Firms Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Contact the inquirer : MAIL ONLY XXXX   Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX IN Inquiry : XXXX. XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX   XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX   Inquiry : XXXX   XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Real Estate and Public Accommodations ( XXXX ) XXXX Thank you so much.

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 2019-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I am not familiar with this company at all : XXXX XXXX XXXX OF OHIO

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: OH

Complaint narrative:
Im not familiar with this credit card provider

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 2019-07-27 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: GA

Complaint narrative:
I FILED A DISPUTE ABOUT THE TWO BANKRUPTCY ON MY CREDIT REPORT. I SPOKE TO THE COURTHOUSE CLERK. SHE EXPLAINED TO ME THAT THE COURT SYSTEM DOSE N'T REPORT ANYTHING TO THE CREDIT BUREAUS.

IT IS A THIRD PARTY THAT REPORTS THIS TYPE OF ACCOUNT. ON MY CREDIT REPORT THE REPORTING COMPANY IS THE : XX/XX/XXXX {$0.00} Dismissed Overview Reference Number XXXX Date Filed XX/XX/XXXX Classification Bankruptcy Type Chapter XXXX Bankruptcy Responsibility Individual Asset Amount XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Institution Information USBK COURT XXXX GEOR XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ( XXXX ) XXXX Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX {$0.00} Dismissed Overview Reference Number XXXX Date Filed XX/XX/XXXX Classification Bankruptcy Type Chapter XXXX Bankruptcy Responsibility Individual Asset Amount XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Institution Information USBK COURT XXXX GEOR XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XX/XX/XXXXXXXX ( XXXX ) XXXX THE COMPANY THAT IS SUPPLYING THIS IS XXXX, I HAD ALSO CALLED THEM AND ASK THEM TO REMOVE ME FORM THERE DATABASE OF INFORMATION. STILL NO HELP. 

THE CREDIT REPORT NEED TO SHOW THE CURRENT COMPANY. THIS NEEDS TO BE REMOVED FROM MY CREDIT BECAUSE THE REPORTING COMPANY IS INCORRECT ON MY CREDIT REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian 's website is designed with a series of warnings and " official looking '' notifications that are designed to influence the consumer to purchase products that can sometimes be covered with free services. For example, on my file, it says in bold letters that my file is " unlocked '' eventhough I put a credit freeze on each bureau. I'm an attorney and businessman and didn't know the difference between a lock and a freeze. More importantly, Experian does not make it easy for me to find my credit freeze and modify it ( as XXXX  does ). As a result, I was unable to provide an open window into my report for a bank loan. I urge you to compare the credit freeze functions and customer-centric design of Experian to XXXX. Experian is misleading consumers for profit. It must stop, and they must make it clear where the free credit freeze services are located. And, if they are only by phone, they must be on line and adjustable. Thank you.

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 2019-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX   The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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