vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX of XXXX I went to XXXX XXXX XXXX XXXX located in XXXX, Georgia due to a XXXX  accident that happened on XX/XX/XXXX of XXXX. When I attempted to give them my health insurance they would not take it due to the fact I was in a XXXX  accident, instead they gave my pamphlets on " how to cope after a XXXX accident ''. On XX/XX/XXXX of XXXX I contacted a lawyer ( XXXX XXXX XXXX ) so they could create a case on this issue and I gave them the information to XXXX XXXX XXXX. Instead of XXXX acknowledging this and speaking with my lawyer, they constantly harassed me about my medical bill I had with them while I was still receiving treatment for my injuries. I also requested for them to speak about this issue of my medical bill to my lawyer which they did not instead they continued to harass me. On XX/XX/XXXX of XXXX I received a letter from Medical Revenue Service stating that I owed a debt to XXXX XXXX XXXX XXXX, where I only have until XX/XX/XXXX to respond. I feel like this needs to be investigated since I am still in the process of closing my case from my XXXX accident and they will not reach out to my lawyer both XXXX XXXX XXXX XXXX and Medical Revenue Service continue to harass me.

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 2022-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Adverse Action ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XXXX XXXX Recently, I, XXXX XXXX was denied an extension of credit by Ally Bank On XXXX XXXX, I applied for an auto loan. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code {$1600.00} ( C ) and you assume civil liability pursuant 15 U.S Code {$1600.00} ( K ). Ally Bank has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code $ XXXX 12 CFR 1002 Since the letter you sent me dated XXXX XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Ally Bank should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT Following this initial attempt to rectity, I will be sending an invoice to collect actual damages for said violations. 
BEST XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

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 2022-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XX/XX/2021 {$7500.00}. No response XX/XX/2021. {$7500.00}. No response XX/XX/2021 {$7500.00} No response Im disputing this debt because once this vehicle was repossessed I was Not notified of any proposed sale in 10 days, Under the laws of the State of Florida XXXX XXXX and XXXX  XXXX and XXXX a deficiency can not be claimed unless all notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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:
In XXXX of 2021 XXXX attempted to collect an authorized debt by placing it on my credit report. It was contested and successfully removed. Experian however only removed it from their main Experian Report. They did not remove it from a subset report called " Experian Rent Bureau. '' A report in which most people will know nothing about or assume that its based off the main Experian report. 

Not knowing this report exists I was denied an application for a lease because of the collection. 

This caused me to lose my application fee and also caused great personal embarrassment. 

As Experian Rent Bureau is effectively part of Experian, then their 30 day window to remove the item effectively ended months ago.

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 2022-02-06 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:
I have tried to report fraud on several hard inquiries, even inquiries on accounts that were removed and the inquiries still remaining. I did not authorize the hard inquiries and I want them removed. I am only asking for fraudulent and false inquiries to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: SD

Complaint narrative:
Closed accounts, dates and time. Inaccurate amounts. Late payments reported on accounts that were closed or got closed. Paid accounts or settled accounts still say derogatory. XXXX XXXX  is reported with XXXX late payments which is impossible as it is taken right out of my check. The XXXX XXXX  is rears and shows a collection account and states derogatory. Been paying on the rears 4 years straight never missed a beat. Only reports negative balance and collection and derogatory, but doesnt report every on time payment. I am denied any types of loans and credit card. XXXX XXXXt should be effecting my credit bureau like it is. I trust u understand. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: SD

Complaint narrative:
Closed accounts, dates and time. Inaccurate amounts. Late payments reported on accounts that were closed or got closed. Paid accounts or settled accounts still say derogatory. Child support is reported with 3 late payments which is impossible as it is taken right out of my check. The child support is rears and shows a collection account and states derogatory. Been paying on the rears 4 years straight never missed a beat. Only reports negative balance and collection and derogatory, but doesnt report every on time payment. I am denied any types of loans and credit card. Child support should be effecting my credit bureau like it is. I trust u understand. 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 2022-02-06 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:
1.XXXX  XXXX is reporting that my account ( s ) are updated. This is a lie. It's fraudulent. All the accounts are not updated. All the paid zero balance accounts are still being reported as if they were open. The accounts are not. XXXX XXXX and Equifax are not updated. 
2. XXXX XXXX is reporting the accounts are updated by removing remarks added to accounts. This is fraudulent because credit karma did not remove/ delete the account. XXXX XXXX removed remarks stating closed and paid and on time but left the accounts on the credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to, authorize or benefit from any of the following inquiries. XXXX XXXX XXXX, XXXX XXXX, CXXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX, XXXX XXXX- XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX- XX/XX/XXXX, XXXX XXXX XX/XX/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 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to, authorize or benefit from any of the following inquiries. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX, XXXX XXXX- XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX- XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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:
In XXXX of 2021 XXXX attempted to collect an authorized debt by placing it on my credit report. It was contested and successfully removed. Experian however only removed it from their main Experian Report. They did not remove it from a subset report called " Experian Rent Bureau. '' A report in which most people will know nothing about or assume that its based off the main Experian report. 

Not knowing this report exists I was denied an application for a lease because of the collection. 

This caused me to lose my application fee and also caused great personal embarrassment. 

As Experian Rent Bureau is effectively part of Experian, then their 30 day window to remove the item effectively ended months ago.

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 2022-02-06 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: TX

Complaint narrative:
I have tried to report fraud on several hard inquiries, even inquiries on accounts that were removed and the inquiries still remaining. I did not authorize the hard inquiries and I want them removed. I am only asking for fraudulent and false inquiries to be removed.

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 2022-02-06 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 tried to report fraud on several hard inquiries, even inquiries on accounts that were removed and the inquiries still remaining. I did not authorize the hard inquiries and I want them removed. I am only asking for fraudulent and false inquiries to be removed.

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 2022-02-06 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I gave my bank information over the phone to a woman collecting money for Comenity Banks Victoria Secret Store card and then she didnt process my payment after she said she would. I asked to close the account and she transferred me to her supervisor, hung up and said thats weird and that she didnt hang up or transfer me yet. After it happened again I left it at that, assuming that she processed that payment like I asked her to. I had my doubts and then the next day I got a notification from XXXX XXXX saying that there was a late status on the account. Not only did that first American representative not process my payment, she reported me to the credit bureaus, this after I have received no mail from VS or Comenity Bank, and after I attempted to pay it. She was mean and told me I didnt know how credit cards work EVEN though I cooperated and gave her my information. We naturally didnt have a great interaction, mostly because of her bullying behavior. I have a XXXX XXXX and I thought I was doing really good with it and I try so hard to limit my stress but this gave me days of XXXX  and XXXX  episodes. It should be against the law to go beyond your job duties like this and trample on human beings you might actually like, lying to yourself that, oh well, you dont make any difference, because you definitely do. Oh yes you do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-06 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: CA

Complaint narrative:
i have been writin the credit bueaus for over a year, XXXX, XXXX equifax is da worst, they have refused to delete addresses, ive never lived at, which i belive is keeping me from getting da promtion in my XXXX XXXX, job. I have never lived at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, nor XXXX XXXX XXXX they have XXXX bankruptcys on my report that are not mine. I have been to the bankruptcy court, who can not find anything on me, how is it the credit bureaus have this stuff under me.I have a very common surname, which is has gotten me mixed up before, but i have written dem, at leat a year and a half, and have gotten nowwhwere. i am aware. it has cost me money in promotions, time and money ill never get back, how is this possible in dis country, the best of all?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I began contacting all three credit bureaus who were documenting inaccurate information on my accounts, late payments from XXXX and XXXX XXXX. XXXX is reporting late payment for XXXX on XX/XX/XXXX. This is reported correctly only XXXX and TransUnion. XXXX XXXX is being reported inaccurately on all three ( XXXX reporting a late payment in XXXX while XXXX and TransUnion are XXXX late payment for XX/XX/XXXX ). I have attempted to contact the company in reference to these inaccuracies and when they failed to provide me the documentation I contacted each bureau informing them I've never been late, provided documentation of request sent to the company and since they did not provide me valid proof per the Fair Credit Act, I requested each bureau delete the inaccurate late payment from my report. Each wrote back and stated they investigated and stated the information was accurate. I responded by asking for validation of this information since I was not provided it and since they it is XXXX payment it could have been late in XXXX AND XXXX. Again I requested the late payments be deleted, but they are still there. 
I have followed the same procedure for XXXX and now it only remains on XXXX as inaccurate.

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 2022-02-06 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: NC

Complaint narrative:
I began contacting all three credit bureaus who were documenting inaccurate information on my accounts, late payments from XXXX and XXXX XXXX. XXXX is reporting late payment for XXXX on XX/XX/XXXX. This is reported correctly only Equifax and XXXX. XXXX XXXX is being reported inaccurately on all three ( XXXX reporting a late payment in XXXX while Equifax and XXXX are XXXX late payment for XX/XX/XXXX ). I have attempted to contact the company in reference to these inaccuracies and when they failed to provide me the documentation I contacted each bureau informing them I've never been late, provided documentation of request sent to the company and since they did not provide me valid proof per the Fair Credit Act, I requested each bureau delete the inaccurate late payment from my report. Each wrote back and stated they investigated and stated the information was accurate. I responded by asking for validation of this information since I was not provided it and since they it is XXXX payment it could have been late in XXXX AND XXXX. Again I requested the late payments be deleted, but they are still there. 
I have followed the same procedure for XXXX and now it only remains on Equifax as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a credit card with an offer if I spend {$3000.00} in 3 months of opening that I would get 25,000 bonus points. I spent just over {$5000.00} ( about XXXX ) in that time frame. I never received the points. 
I called the bank now 6 times. The first time it was forwarded to a promotion team that after a week called me back and said that the promotion was spend {$5000.00} to get the points. When I told them I did spend over {$5000.00}, then I was told maybe it was {$6000.00}. I told them I have the letter that came with the card saying {$3000.00}. I was told they would forward it back to that department. I never heard back. A month later I called again, and was told it would be sent back to that department. Again never hearing back. 

I spent well over the {$3000.00} required, and have statements as proof it was actually over {$5000.00} even in that window of time, yet never got the 25,000 points. I want the 25,000 points owed. I'm including the proof of the offer they even mailed me after I got my card.

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