vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 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: GA

Complaint narrative:
XXXX XXXX has reported 12 late payments to my account, on all 3 bureaus. I have never missed a payment and have made payments early.

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 2022-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX has reported 12 late payments to my account, on all 3 bureaus. I have never missed a payment and have made payments early.

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 2022-02-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX has reported 12 late payments to my account, on all 3 bureaus. I have never missed a payment and have made payments early.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
good evening. tonight I decided to submit a complaint on credit reporting agency experian for failing to comply for a deletion regarding a collection agency enhanced recovery. XXXX has not validated the alleged debt they are claiming under my name. I have sent XXXX debt validation letters on 3 different occasions to XXXX  different adresses and I have still not received no proof that I owe them anything. I have attached proof to this complaint showing all the dates, letters, correspondence from experian and 1 letter from XXXX ( they didn't even acknowledge my validation letter that I sent ), all envelopes showing I sent the validation letters certified and even a printed copy from the us postal service website showing they in fact received my 3rd letter and still have not replied let alone provide proof. XXXX received my letter XX/XX/XXXX and it is now XX/XX/XXXX. I know there are laws and rules that protect consumers from debt collectors and there illegal practices under the fdcpa and experian is at main fault because they keep reporting this unvalidated account going against the fcra by reporting this. I have provided all the proof experian needed to delete this account and they still leave it on my report. I am exhausted. I have been dealing with this behavior from experian and XXXX since XX/XX/XXXX and I have had enough. I have no choice but to come to your website to file a complaint. there illegal practices and unproper procedures are causing me so much stress because I can't get approved for any credit lines. XXXX had deleted this account so I dont understand what experian has that XXXX  didn't when only one furnisher reports these items on reports. I have also heard about the new laws that has been taken place XX/XX/XXXX and XXXX is facing serious violations and so is 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 2022-02-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft. I submitted a copy of my police report to Equifax and requested that the fraudulent items listed in the police report be blocked pursuant to the Fair Credit Reporting Act Section 605B. I included a copy of my drivers license and social security card to confirm my identity. Instead of XXXX processing my fraud investigation, they disputed the fraudulents items and sent me correspondence that the item were " verified '' with my name and social security number. As a victim of identity theft my identity has been breached. I have filed a police report to document that the fraud did occur and have requested that the credit bureau block these items pursuant to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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 — 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 XX/XX/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 XXXXXXXX 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 2022-02-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft. I submitted a copy of my police report to TransUnion and requested that the fraudulent items listed in the police report be blocked pursuant to the Fair Credit Reporting Act Section 605B. I included a copy of my drivers license and social security card to confirm my identity. Instead of XXXX processing my fraud investigation, they disputed the fraudulent items and sent me correspondence that the item were " verified '' with my name and social security number. As a victim of identity theft my identity has been breached. I have filed a police report to document that the fraud did occur and have requested that the credit bureau block these items pursuant to federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Burke Costanza & Carberry LLP
State: IN

Complaint narrative:
This office has been incorrectly billing me for services beginning XX/XX/XXXX. They have billed me for doctors I havent seen when I requested to have follow up visits with the doctor who performed my XXXX. They have gone from billing neither insurance to billing only XXXX, INSTEAD OF IN ORDER OF PRIMARY THEN SECONDARY, which has caused for claims to be denied, leaving me with a lawsuit for over {$16000.00}. XXXX XXXX has reached out, as recently as XX/XX/XXXX with a voicemail being left, to them to inquire about their billing practices. 

Also, the condition that this medical debt stems from has been determined to be directly related to a pending medical malpractice lawsuit I have against XXXX XXXX. 

Regardless, the billing practices of this office are inconsistent and questionable all while neither physician, XXXX and XXXX, want to address my post operative concerns, pain, and complications I have made them aware of since XX/XX/XXXX. I requested XXXX XXXX for my post-op follow up visits but when I arrived at the appointments, I was met with XXXX XXXX who spent less than XXXX minutes with me, ignoring my pain and concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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 — 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 XX/XX/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 XXXXXXXX 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 2022-02-19 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 — 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 XXXX XXXX XXXX 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Accounts are closed but are still reporting and updating incorrect information. Debts were sold and wrote off and sent to collections. Debt was never verified and never sent a signed contract to validate debt for : 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 2022-02-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Accounts are closed but are still reporting and updating incorrect information. Debts were sold and wrote off and sent to collections. Debt was never verified and never sent a signed contract to validate debt for : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I contacted Experian and let them aware that I was a victim of fraud and that I did not authorize XXXX XXXX XXXX XXXX XXXX to access my credit profile. Experian representative told me that she could not delete the inquiry even though I let her aware that I did not authorize XXXX XXXX XXXX XXXX XXXX to access my credit profile.

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 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: WA

Complaint narrative:
After 2 years of no resolution of USBank unwilling to remove the incorrect negative credit card account off my credit report I decided to file three separate complaints with the XXXX, FTC and Washington State Office of the Attorney General in addition I will file a complaint with the Minnesota ATG as that is where USBank is headquartered then take legal action as a last resort if the item is not removed. Attached are copies of the complaints filed with each agency. 

This complaint is for account item : US BK XXXX Account Number : 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 2022-02-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
Hello. I purchased XXXX BMW XXXX ( XXXX ending XXXX ) from XXXX XXXX XXXX on XX/XX/XXXX. Total amount that have been financed ( by BMW Financial Services, account ending XXXX ) {$94000.00}. During a car purchase XXXX purchase also XXXX protection. On XX/XX/XXXX comprehensive damage occurred. XXXX XXXX XXXX decide that it is a total loss claim and issued XXXX checks to the lender, that have been cleared on XX/XX/XXXX ( per XXXX XXXX XXXX, claim # XXXX ) for the total amount of {$73000.00}. During the XXXX XXXX XXXX claim process I contacted XXXX insurance in order to check step for the process. They said that claim will be opened automatically as soon as XXXX XXXX XXXX will close their part and pay to lender. XXXX claim have been initiated on XX/XX/XXXX ( claim # XXXX ) on the amount of {$18000.00}. XXXX XXXX issued credentials for their portal to me, where I found requirements. They asked me to upload some documents and I did. However, XXXX of the document : XXXX XXXX have been rejected. XXXX XXXX have been prepared by XXXX XXXX XXXX company and I upload it into XXXX XXXX so many times. However it still rejected. I called them many times but XXXX associates mention that XXXX XXXX doesn't meet certain requirements. And didn't clarify what these requirements are. On XX/XX/XXXX I got email from XXXX XXXX XXXX XXXX associate with request to contact them regarding my GAP claim. I reply back, and asked who is this company because my GAP agreement was with BMW. They said that XXXX XXXX XXXX is actual GAP insurance company and I have to call and talk to them. I called them, they said that the problem is in amount in XXXX they got from XXXX XXXX XXXX and the actual checks that have been issued. I asked them if they can provide any documentation to me, copy of checks, anything, they denied my request and said I have to contact XXXX XXXX insurance. I called XXXX XXXX XXXX and talk to them again, they confirmed all previous information and mention that both checks have been cleared on XX/XX/XXXX. On XX/XX/XXXX I got email with letter from BMW Financial Services that my due balance {$18000.00} and I need to make payment immediately. On XX/XX/XXXX I initiate conference call between XXXX XXXX agent, me and XXXX company. XXXX XXXX XXXX representative again confirmed all information, all numbers and dates and sent XXXX XXXX again directly to emails that he had for them. XXXX agent refused to provide any contact information for management, or adjuster/investigator who work on my claim, and said they don't have phones. 
Till this day nothing changed. I'm trying to find a solution on that situation. 
All documents and email chains contain my personal information. I don't upload it right now, please let me know if I need to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: TX

Complaint narrative:
I spoke to a rep at experian and XXXX about the following accounts listed on my report on XX/XX/2022. I filled out a FTC report but it has been over 30 days and they are still on my report. I looked into my credit file a little bit deeper and noticed that none of these accounts are even attached to any of my addresses on the report. I have become extremely frustrated and am not sure what to do at this point. I think my next step will be filing a complaint with the attorney general of my state, but I was told to first try and resolve these unverified reporting accounts with the CFPB. I am hoping this will help to clean up the information fraudulently showing on my 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 2022-02-19 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 — Their investigation did not fix an error on your report
Company: ERC
State: TX

Complaint narrative:
good evening. tonight I decided to submit a complaint on credit reporting agency experian for failing to comply for a deletion regarding a collection agency enhanced recovery. erc has not validated the alleged debt they are claiming under my name. I have sent erc debt validation letters on XXXX different occasions to XXXX different adresses and I have still not received no proof that I owe them anything. I have attached proof to this complaint showing all the dates, letters, correspondence from XXXX and XXXX letter from erc ( they didn't even acknowledge my validation letter that I sent ), all envelopes showing I sent the validation letters certified and even a printed copy from the XXXX postal service website showing they in fact received my XXXX letter and still have not replied let alone provide proof. erc received my letter XX/XX/XXXX and it is now XX/XX/XXXX. I know there are laws and rules that protect consumers from debt collectors and there illegal practices under the XXXX and experian is at main fault because they keep reporting this unvalidated account going against the fcra by reporting this. I have provided all the proof experian needed to delete this account and they still leave it on my report. I am exhausted. I have been dealing with this behavior from experian and erc since XX/XX/XXXX and I have had enough. I have no choice but to come to your website to file a complaint. there illegal practices and unproper procedures are causing me so much stress because I can't get approved for any credit lines. XXXX had deleted this account so I dont understand what experian has that XXXX didn't when only XXXX furnisher reports these items on reports. I have also heard about the new laws that has been taken place XX/XX/XXXX and erc is facing serious violations and so is experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I spoke to a rep at XXXX  and transunion about the following accounts listed on my report on XX/XX/2022. I filled out a FTC report but it has been over 30 days and they are still on my report. I looked into my credit file a little bit deeper and noticed that none of these accounts are even attached to any of my addresses on the report. I have become extremely frustrated and am not sure what to do at this point. I think my next step will be filing a complaint with the attorney general of my state, but I was told to first try and resolve these unverified reporting accounts with the CFPB. I am hoping this will help to clean up the information fraudulently showing on my 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