vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2022-02-25 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:
I have sent multiple letters by mail to the credit bureaus ( XXXX, XXXX, and Experian ) regarding errors on my consumer credit report beginning with wrong personal information. It has literally been over 6 months since I've been sending them letters month after month and they have failed to correct my credit report and remove the wrong information I clearly listed out for them in my letters. They have incorrect current and previous addresses reporting on my credit report that despite my multiple attempts to have them correct the issue they have failed to supply any information to me and have failed to verify those addresses and furthermore have completely ignored me. I am to my wit 's end and I do not know what else to do. I am in fear and devasted that I have information reporting on my report of places I've never lived or even visited. My biggest fear of all is identity theft, as is everyone. I ask that you PLEASE help me and make them comply with the laws and assert my legal rights. 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 non-monetary relief
Consumer complaint received 2022-02-25 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:
I recently challenged the validity of XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Transunion they have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced I asked to please DELETE this account from my credit report immediately. I have also submitted and FTC report # XXXX in XXXX and the account still remains as VERIFIED with no documentation or verification on how this account is valid.

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 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SERVICE is attempting to coolect a debt from me that I paid off already. XXXX was the original debtor. The account number is XXXX. 

The reference number for the file is # XXXX. 
The confirmation # is XXXX. 
The psyment was {$190.00}. 

This account has been paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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:
Equifax ignoring my repeated disputes since 2015 .Why they are taking so long to fix report, even they are not entertaining my complain at CFPB.I request CFPB to take immediate legal action against Equifax as they took 8 years to investigate fraud negative items on there report. 
I attached the XXXX XXXX XXXXXXXX letter issued to my Attorney to delete this fraud activity account and score to go over 730 as per other credit Bauru. They should look the attachment and delete all negative item within 24 Hours The XXXX XXXX Account is fraud and identity theft account and need to be deleted immediately as promise by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: CA

Complaint narrative:
I certified mailed a letter informing XXXX, Equifax, and XXXX of the identity their and the accounts that are not mine. Along with the letter I have sent them a police report, the a copy of your FTC Identity Theft Report, a government-issued ID with a photo, proof of your address, social security card and Notice to Furnishers of Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: FL

Complaint narrative:
I recently challenged the validity of XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with XXXX they have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced I asked to please DELETE this account from my credit report immediately. I have also submitted and FTC report # XXXX in XXXX and the account still remains as VERIFIED with no documentation or verification on how this account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX and I ordered multiple items from XXXX on XX/XX/21 on my Citi credit card ending in XXXX XXXX for {$350.00} for an unpainted XXXX bumper and radiator cover XXXX for {$830.00} for a fully assembled XXXX bumper with sensors XXXX for {$890.00} for driver side headlight XXXX for {$910.00} for passenger side headlight I disputed both charges for the headlights XXXX and XXXX Citi essentially rejected the charges out of confusion is my guess. 

I received a letter stating I already received a refund of {$830.00} and {$100.00} which is more than the amount in the first dispute of XXXX so the investigation is " complete ''. 

This is false because the refund I received are from the other transactions I mentioned above. XXXX from the front bumper for XXXX and XXXX from a partial refund from the radiator cover for XXXX. The previous refunds has nothing to do with the driver side headlight for XXXX which is the charge I disputed ( dispute XXXX ) for it being delivered to me broken, and not as described in the XXXX listing. I provided them with a very detailed report with what was wrong like the mounting tabs being broken. I tried contacting the seller through XXXX with no response, which is why I resorted to a credit card dispute/claim only for Citi to not pay attention to my charges and reject the claim. 

For the dispute of {$910.00} ( XXXX ) which is the passenger side headlight, which came in fine at first until it rained just a day or so after having it installed, which is when I realized the entire headlight was full of water meaning the waterproof seal was damaged. also noticed the daytime running light on the bottom of the headlight wasn't lighting up all the way to the corner properly. same situation with XXXX they were unhelpful, and I couldn't get a return label or return authorization from the individual seller. the seller responded to citi with only the tracking number showing it was delivered, which is not the problem, the problem is that the headlight is leaking with water, which caused my headlight ballast and HID bulb to get damaged in the process. 

Due to Citi 's lack of research they reversed the conditional credit of XXXX because of unrelated refunds from the same merchant which is XXXX. 

As well as reversing the {$910.00} conditional credit even though the claim is still ongoing for the damaged item even though the only thing the seller responded with was the tracking number.

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 monetary relief
Consumer complaint received 2022-02-25 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-25 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reached out to all three credit bureaus XXXX, Transunion and XXXX by mail regard the inaccuracies of this account. XXXX XXXX XXXX this account is reporting inaccurate please see the attached reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX and Transunion This account is reporting as open and active this is inaccurate. Please delete this inaccurate account from my credit report immediately.

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 2022-02-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 a 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 non-monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Ive got a letter in the mail stating they are trying to collect a {$1600.00} debt from a hospital visit I had on XXXX/XXXX/20 at the XXXX XXXX XXXX XXXX when at that time I had XXXX and had full coverage. Ive been threatened with it being sent to my credit score. Im XXXX XXXX XXXX and am looking to buy a house. I wouldnt want a debt sent to my credit that isnt mine to pay.

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 2022-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: CA

Complaint narrative:
This toll fee number is pretending to be calling from US Bank to collect a presumed unpaid debt on my business credit card. The scrupulous rep is asking for bank information to collect payment. US Bank was informed but this thugs kept calling me. Below is the phone number they are calling from. 

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 2022-02-25 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: CA

Complaint narrative:
In Accordance to the fair credit reporting act Department of educationXXXX account XXXX XXXX and XXXX violated my rights on XXXX and Experian 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report Also this is being illegally reported because on both accounts they are reporting a 90 day late payment on XX/XX/2019 when they both also reported i paid on time XXXX XXXX there is no way i can pay on time one month and then be 90 days late the very next month it makes no sense. this is causing stress and XXXX XXXX  problems as these inaccuracies are preventing me from obtaining credit

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 2022-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On or around XX/XX/2022, Synchrony Bank started block consumer from accessing their Sam Club credit card accounts. I have been unable to pull statements, verify transaction and process payments. My bill was due XX/XX/2022, I should be able to pay said bill via computer which currently being denied and charged/access late payment fees while website is down or under construction. This is an deceptive business practice to generate late fee income plain and simple.

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 2022-02-25 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:
I certified mailed a letter informing XXXX, XXXX, and Transunion of the identity their and the accounts that are not mine. Along with the letter I have sent them a police report, the a copy of your XXXX Identity Theft Report, a government-issued ID with a photo, proof of your address, social security card and Notice to Furnishers of 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 non-monetary relief
Consumer complaint received 2022-02-25 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: CA

Complaint narrative:
I certified mailed a letter informing Experian, XXXX, and XXXX of the identity their and the accounts that are not mine. Along with the letter I have sent them a police report, the a copy of your XXXX  Identity Theft Report, a government-issued ID with a photo, proof of your address, social security card and Notice to Furnishers of 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 non-monetary relief
Consumer complaint received 2022-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a 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 non-monetary relief