vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 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: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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:
Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of XXXX  and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: MA

Complaint narrative:
Hi XXXX / how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: MA

Complaint narrative:
Hi XXXX / how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Have sent letters to have fraud alert removed and I have not received anything that says that it has been removed. Also the fraud alert has the wrong phone number listed which is causing a major issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/2020 i sent out a dispute letters about incorrect persoanl info on my credit report and on XX/XX/2020 a 60 day no response letter with no prevail of a response. I also sent dipute letters on XX/XX/2020 about some accounts that are not mine and need to be validated. and they have not responded for that either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Who subscribes XXXX XXXX XXXX XXXX hereby file a formal complaint against Capio Partners , LLC, who try to charge me the amount of {$940.00} for a XXXX   XXXX  of XXXX  with XXXX XXXX, which was ordered by my primary physician XXXX XXXX XXXX. XXXX. dated XX/XX/XXXX and I was practiced at the XXXX XXXX and XXXX XXXX in the city of XXXX. But whose results were never received by me or my doctor.. On XX/XX/XXXX I went to my primary doctor, XXXX XXXX XXXX XXXX XXXX. For presenting a strong pain in the XXXX area on the XXXX XXXX, on that occasion I underwent several XXXX  XXXX  by which the origin of the pain could not be determined. In view of the pain continuing my primary doctor, he ordered the XXXX XXXX   of the XXXX  with XXXX XXXX which I practiced in the following days at the XXXX XXXX, where I had to pay approximately {$200.00} of co payment to be able to practice the exam. The test was performed, but neither my doctor nor my person NEVER RECEIVED THE RESULTS OF SCAN On three occasions I went to XXXX XXXX to ask for the report of that study to be delivered to me and they never gave me an answer. My primary physician also called by phone and they said they were going to fax the results but this was never done. My doctor and I never knew the results of that study. 
After a few months I started to receive at my residence in the city of XXXX, some invoices associated with that study, demanding payment of XXXX dollars for carrying out the aforementioned medical study, which I never benefited from since we never got the results. Similarly, I must point out that they charged part of that amount to my health insurance. 
In the face of this attempt to collect money, I contacted the collection department of XXXX XXXX and told them MY REFUSAL TO PAY because the results of the scan were never delivered to my doctor or to my person. 
I now receive an invoice for the same item issued by Capio Partners , LLC. Account # XXXX. Before this attempt of collection I must say that I WILL NOT PAY since I was never benefited by the practice of this medical examination. On the contrary, they charged as much to the insurance company as to my person an amount of money for a study of which we never knew any results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXX DONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS**** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$8.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$8.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows  Payment History reported consecutively as NEGATIVE in XXXX XXXX ; XX/XX/XXXX ; 30 days late payment XX/XX/XXXX ; 30 days late payments in XXXX ; 30 days late payment in XXXX ; 60 days late payment in XX/XX/XXXX ; 90 days late payments in XX/XX/XXXX ; Including XXXX and XX/XX/XXXXyear reported Negative A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Credit Acceptance Start Date : XX/XX/2015 Ending : {$2000.00} I disputed this account several times for Violations such as Date of last active and Inaccuracies but over and over its verified even with copies of Violations, not to mention no proof of original contract or history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Capio Partners, LLC
State: FL

Complaint narrative:
This account has just been listed this year for a second time. This account was alleged to have been acquired XX/XX/XXXX and has just been re-listed for the second time XX/XX/XXXX. After sitting for close to 6 years it was removed and re-added.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have sent letters to have fraud alerts removed from my report with no response. I called in and was transferred to several agents and was not able to have fraud alert removed. I would like the fraud alerts removed 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 non-monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My bank shows my credit score has dropped due to missed payments being reported by Experian. I have never missed a payment. I dont understand why Experian is still in business as I have NEVER received an accurate report from them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/2020 i sent out a dispute letters about incorrect persoanl info on my credit report and on XX/XX/2020 a 60 day no response letter with no prevail of a response. I also sent dipute letters on XX/XX/2020 about some accounts that are not mine and need to be validated. and they have not responded for that either

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
on XX/XX/2020 i sent out a dispute letters about incorrect persoanl info on my credit report and on XX/XX/2020 a 60 day no response letter with no prevail of a response. I also sent dipute letters on XX/XX/2020 about some accounts that are not mine and need to be validated. and they have not responded for that either

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAIN AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX  # XXXX. This account was charged off in XXXX. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$6.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$6.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX year ; XX/XX/XXXX year ; XX/XX/XXXX year. Late payments reported - 30 days late XX/XX/XXXX ; 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX, shows 46 charges offs. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 4. Delete this account, because it shows credit limit {$6000.00} on a charge offs close account. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking  {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I HAVE NOW ASK THESE COMPANYS TO DO THE RIGHT THING BECAUSE MY INFORMATION WAS STOLEN AND MISUSED THIS MESS HAS HURT MY LIFE AND FAMILY LIFE I NEED THESE ACCOUNT REMOVE ASAP

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