vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American Collection Services, Inc. (OK, TX)
State: NC

Complaint narrative:
I constantly dispute these accounts in questions and I am not provided anything showing these accounts belong to me yet they are sold over and over again to companies that post them to make it seem like I just opened the account last month. These companies did not provide me any information in the form of a letter that they were putting these things on my credit report which they are required to do. I don't understand how they are able to report these accounts on my credit that are not accurate and make it seem as if I incurred this debt last month. 

Reported by XXXX  : XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) XXXX  XXXX Opened : XX/XX/XXXX Amount {$230.00} ( Please provide proof this account belongs to me and that it was opened XX/XX/XXXX. ) Original Creditor : XXXX XXXX XXXX ( XXXX XXXX is based in Oklahoma where I lived in XXXX and, moved and, haven't lived there since XXXX How could I have opened an account last year? ) XXXX XXXX XXXX  ( also known as American Collection Services ) Opened : XX/XX/XXXX Amount : {$120.00} ( Again Oklahoma Business stating I opened and account in XXXX and I did not live there. ) Original Creditor : XXXX XXXX XXXX XXXXXXXX ( Did not live in Oklahoma in XXXX ) I would like all the companies above to remove these accounts from my report and stop reporting inaccurate at this point fraudulent information for years this has been going on. 

Reported by XXXX  : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$840.00} ( This doesn't belong to me was never provided proof after asked several times that this account belongs to me ) Original Creditor : XXXX  XXXX XXXX ( They never reached out to me about this, I don't know what this is and this does not belong to me I need It to stop being reported and removed immediately. ) XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me what they are reporting is completely inaccurate and needs to be removed ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) Again I need these accounts to stop being reported and to be removed immediately Unless I can receive physical proof that these accounts in question were opened by me on the dates these companies are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: NC

Complaint narrative:
I constantly dispute these accounts in questions and I am not provided anything showing these accounts belong to me yet they are sold over and over again to companies that post them to make it seem like I just opened the account last month. These companies did not provide me any information in the form of a letter that they were putting these things on my credit report which they are required to do. I don't understand how they are able to report these accounts on my credit that are not accurate and make it seem as if I incurred this debt last month. 

Reported by XXXX  : XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) XXXX XXXXXXXX Opened : XX/XX/XXXX Amount {$230.00} ( Please provide proof this account belongs to me and that it was opened XX/XX/XXXX. ) Original Creditor : XXXX XXXX XXXX ( XXXX XXXX is based in Oklahoma where I lived in XXXX and, moved and, haven't lived there since XXXX How could I have opened an account last year? ) XXXX XXXX XXXX  ( also known as XXXX XXXX XXXX ) Opened : XX/XX/XXXX Amount : {$120.00} ( Again Oklahoma Business stating I opened and account in XXXX and I did not live there. ) Original Creditor : XXXX XXXX XXXX XXXXXXXX ( Did not live in Oklahoma in XXXX ) I would like all the companies above to remove these accounts from my report and stop reporting inaccurate at this point fraudulent information for years this has been going on. 

Reported by XXXX  : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$840.00} ( This doesn't belong to me was never provided proof after asked several times that this account belongs to me ) Original Creditor : XXXX  XXXX XXXX ( They never reached out to me about this, I don't know what this is and this does not belong to me I need It to stop being reported and removed immediately. ) Enhanced Recovery CO XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me what they are reporting is completely inaccurate and needs to be removed ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) Again I need these accounts to stop being reported and to be removed immediately Unless I can receive physical proof that these accounts in question were opened by me on the dates these companies are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
We leased a new BMW on XX/XX/2020. Then COVID-19 happened. My husband is an XXXX and became completely consumed with responding to COVID calls around the clock at the height of the pandemic in our area. In addition, we both had to work remotely, adjust our family with XXXX kids learning remotely etc. 

We had a major delay in getting all mail that was to go to my husband 's office, and mail in general. Due to this chaos of the situation, I missed payments on the BMW. Once I realized that I missed payments, I paid all in full. 

Here are dates of payments : XX/XX/2020 we picked up the car from the dealership XX/XX/2020 made a payment of {$440.00} XX/XX/2020 payment made of {$1300.00} ( three payments ) XX/XX/2020 payment made of {$440.00} XX/XX/2020 autopayment made of {$440.00} XXXX after this date monthly payments have gone through automatically. ) I also found out that BMW made a report to the credit agencies right away which severely damaged our credit, making financing no longer an option. We had a loan in the works which we no longer could get.

I contacted BMW multiple times, and they stated they called us ten times to my husband 's office, which we have no record of at all. This was being monitored as part of his work so it was very concerning that they stated this. In addition, I have record of delays in the mail from when I sent a letter to BMW and it took almost a month to arrive.

As it was clear we were responding to a global pandemic, and not trying to get out of payment, I was hoping BMW would reverse the report on our credit. I sent multiple letters to BMW and later tried to access their Consumer Complaint Department. I was denied any assistance each time.

I will upload all correspondence, copy of statement from BMW, copy of statement from XXXX XXXX  showing payments, photos of credit scores and documentation of delay in mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: MO

Complaint narrative:
TRANSUNION has committed fraud and has also committed more than 1000 violations under the FCRA.

Transition is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 2 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: DE

Complaint narrative:
Account appeared on credit file and I'm not the owner. Original creditor will not reply to my request to provide proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: WI

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or t will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commiss

ion ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: NJ

Complaint narrative:
I checked my credit and noticed a account and multiple hard inquiries I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XX/XX/XXXX Ive been trying to get Experian to report only accurate information to my credit report. 

On XX/XX/XXXX I submitted a complaint to the CFPB about Experian. The complaint was about Experians unfair credit reporting methods and their negligent noncompliance or willful noncompliance with the law regarding XXXX XXXX XXXX XXXX XXXX as a collection account on my credit report. 

On XX/XX/XXXX Experian deleted XXXX XXXX XXXX XXXX XXXX as a collection account from my credit report. 
On XX/XX/XXXX Experian was reporting the following collection account XXXX  XXXX XXXX XXXX XXXX as a collection account on my credit report. This is the same account sold to a different debt collector and added to my credit report again. 

I submitted a complaint to the CFPB about Experian and the account was deleted from my credit report. 

As of XX/XX/XXXX Experian is reporting XXXX  XXXX XXXX XXXX XXXX as a collection account on my credit report, and it is being reported by collection agency XXXX  XXXX  XXXX  account number XXXX whose mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX. 
As you can see this is the same account being sold to different debt collector. Since this is the same account that was already disputed and removed from my credit report, I am demanding this account be immediately deleted 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 2021-08-13 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: NJ

Complaint narrative:
I checked my credit and noticed a account and multiple hard inquiries I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: NJ

Complaint narrative:
I checked my credit and noticed a account and multiple hard inquiries I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I attempted to payoff my HELOC with Flagstar Bank ( $ XXXX ) on Flagstar Bank website but received an error message that I could not make a payment online and to call XXXX. Once I got through to a Flagstar representative, I asked why my account was blocked from making a payment online and I was told she didn't know but could make the payment over the phone. I asked to pay the outstanding balance of XXXX $ XXXX but was told the most I could pay at one-time was $ XXXX per day. I said " ok '' to reduce my outstanding principal balance and reduce my interest charges. 

I then confirmed on the website the payment went through ( which it did ) and noticed that I was charged a {$30.00} fee for making the payment over the phone with an agent. This was not disclosed to me and I had no alternative route to make a payment and feel this was very deceitful and deceptive by Flagstar. 

Additionally, I was also able to schedule a second $ XXXX payment for the following day ( XX/XX/XXXX ) on the website ( which I scheduled ) and I incurred no fee. 

On the morning of XX/XX/XXXX, I attempted to pay the remaining ~ $ XXXX balance on my Flagstar Bank HELOC and again received an error message stating I had to call XXXX. After be hung up on and transferred several times, I was connected with a representative in the mortgage department. 

She was able to assist me in scheduling the ~ $ XXXX payment and offered to close my account as well ( this option was not offered when I spoke with a Flagstar representative on XX/XX/XXXX ). She was very helpful and did disclose that I would be incurring a {$30.00} fee ( even though my HELOC has no prepayment fees ) because I made a payment with an agent over the phone. I had no options to avoid this fee and am infuriated that it cost me {$60.00} dollars to pay off my loan because the website wouldn't allow me to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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:
This is a formal complaint againsXXXX XXXX XXXX and TransUnion. I have disputed XXXX XXXXXXXX and XXXX accounts several times but they simply refuse to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via the XXXX XXXX XXXX And I've sent every piece of proof that all these credit reporting agenciescould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 


Account Name : XXXX XXXX  Account No. XXXX Balance : {$170.00} - I have disputed this on XX/XX/XXXX, but I still see the date of last payment reporting inconsistently. XXXX  is reporting XX/XX/XXXX, while XXXX and TransUnion are reporting XX/XX/XXXX. 


Account Name : XXXX Account No. XXXX Balance : {$0.00} - The high balance is still reporting inconsistently. I have disputed this account on XX/XX/XXXX for the reason that the date of last activity is reporting XX/XX/XXXX in TransUnion, and XX/XX/XXXX in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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:
This is a formal complaint against XXXX, Experian, and XXXX. I have disputed XXXX  XXXX and XXXX accounts several times but they simply refuse to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via the XXXX XXXX XXXX. And I've sent every piece of proof that all these credit reporting agenciescould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 


Account Name : XXXX  XXXX Account No. XXXX Balance : {$170.00} - I have disputed this on XX/XX/XXXX, but I still see the date of last payment reporting inconsistently. XXXX  is reporting XX/XX/XXXX, while Experian and XXXX  are reporting XX/XX/XXXX. 


Account Name : XXXX Account No. XXXX Balance : {$0.00} - The high balance is still reporting inconsistently. I have disputed this account on XX/XX/XXXX for the reason that the date of last activity is reporting XX/XX/XXXX in XXXX, and XX/XX/XXXX in Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX year of 2021 i received notice that a change to my credit score has been made from Equifax. I used the app i have to investigate the situation, upon clicking of Equifax I noticed a 70 pts drop in my credit. Giving that i have froze my credit there should be no reason why my credit dropped that low moreover the fact that it just increased 98 points back in XXXX. XXXX XXXX XXXX has closed an account on my report which should not normally drop my credit score that much. I believe this an attempt to damage my credit score because of the investigations I have had in previous months. Accounts have closed before and none had a drop let alone a drop that low decreasing my score that much which is very impactful to my financial status. Why was the account closed without giving me proper notice about it being closed? Why did my credit score drop so much for an account closing? I want answers and i want my score returned to a good state immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XX/XX/XXXX Ive been trying to get XXXX  to report only accurate information to my credit report. 

On XX/XX/XXXX I submitted a complaint to the CFPB about XXXX. The complaint was about XXXX unfair credit reporting methods and their negligent noncompliance or willful noncompliance with the law regarding XXXX XXXX XXXX XXXX XXXX as a collection account on my credit report. 

On XX/XX/XXXX XXXX  deleted XXXX XXXX XXXX XXXX XXXX as a collection account from my credit report. 

On XX/XX/XXXX XXXX was reporting the following collection account XXXX XXXXXXXX XXXX XXXX XXXX as a collection account on my credit report. This is the same account sold to a different debt collector and added to my credit report again. 

I submitted a complaint to the CFPB about XXXX and the account was deleted from my credit report. 

As of XX/XX/XXXX XXXX is reporting XXXX XXXX XXXXXXXX XXXX XXXX as a collection account on my credit report, and it is being reported by collection agency XXXX XXXX XXXX account number XXXX whose mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX. 

As you can see this is the same account being sold to different debt collector. Since this is the same account that was already disputed and removed from my credit report, I am demanding this account be immediately deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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:
There are incorrect addresses, names, and inquiries that I did not authorize, nor benefit from. It is causing me great issues because it is affecting my credit score. Because the credit agencies refuse to make sure things in my credit report are 100 % correct.

Company response to consumer: Closed with explanation