vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-08 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: CA

Complaint narrative:
I am disputing an account that is being reported on my credit report as wrong information. I contacted XXXX and they told me to contact the creditor. I used the address on the credit report and the letter came back to me as the wrong address. How can XXXX verified if the address is wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have a hard inquiry on my XXXX Credit Report on XXXX XXXX, 2017. This inquiry was not authorized by me. I contacted Syncb/jcp by mail and they did not send me a letter with proof that I authorized this Inquiry. I never received proof of a denial letter stating why I was not approved.

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 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
THIS IS I REGARDS TO PREVIOUS COMPLAINT # XXXX CFPB CLOSED THE COMPLAINT BUT WHY? IT IS NOT COMPLETE. This is actually my fourth OR fifth dispute about this. I seriously want CFPB to look at the way Transunion/XXXX XXXX is handling my credit file. THEY ARE MISHANDLING IT. I called transunion yesterday and had to start ANOTHER DISPUTE FOR THIS XXXX wound up speaking to an English Speaking Rep named XXXX file number with Transunion is # XXXX. She told me that XXXX XXXX is " UPDATING BITS AND PIECES OF INFORMATION ABOUT ME THATS WHY IT STILL ON TRANSUNIONS REPORT. '' I asked " what bits and pieces of information? '' She said LIKE YOUR NAME, ADDRESS PHONENUMBER OR BALANCE. '' Well THAT DOESNT PROVE ANYTHING. I SAID IN MY LAST 4 DISPUTES/COMPLAINTS THAT I WANTED PROOF THAT THE ACCOUNT BELONGED TO ME. PROOF MEANING A COPY OF THE PROMISSARY NOTES/ORIGINAL INSTRUMENT WITH MY NAME ATTACHED I NEVER APPLIED FOR ANY OF THESE LOANS IN MY LIFE. THEY ARE NOT MINE. IF WE GO TO COURT THE JUDGE IS GON NA WANT TO SEE IT OR IM SURE HE WILL DISMISS THE CASE. XXXX AND XXXX BOTH REMOVED ALL 3 XXXX XXXX XXXX XXXX ACCOUNTS XXXX, XXXX & XXXX BC APPARENTLY XXXX XXXX COULD NOT PROVIDE THEM WITH DOCUMENTATION PROVING IT WAS MY ACCOUNT LIKE I ASKED. I THINK TRANSUNION IS MISHANDLING MY FILE AND PUTTING ME AT RISK. THEY ARE VIOLATING MY RIGHTS WHY IS THIS MY FOURTH COMPLAINT???? THIS HAS TAKEN WELL OVER 60 DAYS FROM THE INITIAL COMPLAINT FILED BACK IN XXXX. THEY 'RE GOING TO TRY AND COME BACK AND SAY " THE INFORMATION IS UPDATED '' AGAIN I DONT CARE WHAT THEY UPDATE I CAN CREATE AN ACCOUNT AGAINST SOMEONE RIGHT NOW AND SWEAR THEY OWE ME X AMOUNT OF DOLLARS AND SEND IT TO TRANSUNION AND THEY ARE GOING TO PUT THAT ON THAT PERSON 'S CREDIT FILE AND HERE IT IS THIS PERSON DOESNT OWE ME ANYTHING. I DONT HAVE NOTHING SHOWING THEY DO. NO DOCUMENTATION WITH THE PERSON 'S SIGNATURE STATING THEY APPLIED FOR MY SERVICES OR ANYTHING. I URGE CFPB TO LOOK INTO THE WAY THEY ARE HANDLING MY CREDIT FILE. IMPROPER USE. THIS IS MY LAST COMPLAINT NEXT TIME IM GOING OVER CFPB 'S HEAD.

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 2017-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
First, on XX/XX/XXXX, I called Nelnet & spoke with XXXX ( customer service representative ) regarding a letter I received in the mail dated on XX/XX/XXXX for a student loan that XXXX claim to have never received a payment. In addition, according to XXXX their computer system shows that I 've never contacted them before, they have never received a payment from me, she does n't know anything about the university ( student financial services ) placing a hold on my student account for tuition fees of {$1000.00} on XX/XX/XXXX,  and their computer system shows that I received {$8000.00} ( subsidized ) & {$8000.00} ( unsubsidized ) student loans totaling {$16000.00}. 

Finally, I was only issued by the university three tuition refunds for two semesters ( XX/XX/XXXX & XX/XX/XXXX ) based on my enrollment status with refund dates & amounts along with last payment as follows : 1. XX/XX/XXXX = {$1200.00} 2. XX/XX/XXXX = {$2400.00} 3. XX/XX/XXXX = {$3700.00} The total from those three payments is {$7400.00} with the last payment from the hold placed by student financial services made on XX/XX/XXXX for {$110.00}. My total amount of payments made towards tuition as of XX/XX/XXXX is {$1000.00} with the remaining balance at {$6400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, I respectfully asked the bureaus to investigate my claim and, if after your investigation they find my claim to be valid and accurate, I ask that they immediately delete the unauthorized inquiries outlined Furthermore, I asked that the bureaus send a corrected copy of my credit profile to me at the address I PROVIDED on letters sent. I explained to the bureaus By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.I KNOW the bureaus have a duty in accordance to the fair credit act to report true and accurate information on consumers report .That has n't been the case .It appears these bureaus are more out to receive money from these companies and XXXX consumers. 
I know for a fact that my account was compromised by THE EQUIFAX BREECH .I had XXXX inquires as of XX/XX/XXXX -XX/XX/XXXX all of a sudden old unauthorized inquires that had been disputed and removed reappeared along with some new inquires. I have so many unauthorized & UNKNOWN inquires REPORTING on all 3 of my consumer reports. I had names that was n't mine, debt, accounts and addresses that was removed because they was reporting on my credit but not mine. I sent letters to ever last company on my file that is reporting these inquires i do n't authorize and have no knowledge of .NOT ONE HAS RESPONED .I SENT 3 LETTERS TO THE BUREAS ASKING THEM TO INVESTIGATE THESE unknown and unauthorized inquires. I also called and was told to dispute it with creditors in which i did and received no reply .It amazes me how these bureaus can allow people to use your information without your knowledge but want help consumers by protecting our information from these companies and etc. PLEASE HELP ME TO MAKE THESE BUREAUS FOLLOW THE LAW AND NOT KEEP XXXX CONSUMERS LIKE MYSELF

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: DISCOVER BANK
State: NC

Complaint narrative:
I have inquiries on my credit files with XXXX and XXXX  from this company dated XX/XX/XXXX. I did not apply for credit from them on this date. I have an inquiry from XX/XX/XXXX,  that is a legitimate inquiry. I have asked the credit reporting agencies to remove these inquiries, but they do n't have to follow the law, so that was a waste of time. I have written to the company directly requesting documentation supporting their permissible purpose in accessing my files, but all I got I reply was verification that they did, in fact, access my files ... no proof of permissible purpose. Accordingly, pursuant to the FCRA, these inquiries should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, I respectfully asked the bureaus to investigate my claim and, if after your investigation they find my claim to be valid and accurate, I ask that they immediately delete the unauthorized inquiries outlined Furthermore, I asked that the bureaus send a corrected copy of my credit profile to me at the address I PROVIDED on letters sent. I explained to the bureaus By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.I KNOW the bureaus have a duty in accordance to the fair credit act to report true and accurate information on consumers report .That has n't been the case .It appears these bureaus are more out to receive money from these companies and XXXX consumers. 
I know for a fact that my account was compromised by THE XXXX BREECH .I had XXXX inquires as of XX/XX/XXXX -XXXX 2017 all  of a sudden old unauthorized inquires that had been disputed and removed reappeared along with some new inquires. I have so many unauthorized & UNKNOWN inquires REPORTING on all 3 of my consumer reports. I had names that was n't mine, debt, accounts and addresses that was removed because they was reporting on my credit but not mine. I sent letters to ever last company on my file that is reporting these inquires i do n't authorize and have no knowledge of .NOT ONE HAS RESPONED .I SENT 3 LETTERS TO THE BUREAS ASKING THEM TO INVESTIGATE THESE unknown and unauthorized inquires. I also called and was told to dispute it with creditors in which i did and received no reply .It amazes me how these bureaus can allow people to use your information without your knowledge but want help consumers by protecting our information from these companies and etc. PLEASE HELP ME TO MAKE THESE BUREAUS FOLLOW THE LAW AND NOT KEEP SCREWING CONSUMERS LIKE MYSELF

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 2017-11-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, I respectfully asked the bureaus to investigate my claim and, if after your investigation they find my claim to be valid and accurate, I ask that they immediately delete the unauthorized inquiries outlined Furthermore, I asked that the bureaus send a corrected copy of my credit profile to me at the address I PROVIDED on letters sent. I explained to the bureaus By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.I KNOW the bureaus have a duty in accordance to the fair credit act to report true and accurate information on consumers report .That has n't been the case .It appears these bureaus are more out to receive money from these companies and XXXX consumers. 
I know for a fact that my account was compromised by THE XXXX BREECH .I had XXXX inquires as of XX/XX/XXXX -XXXX 2017 all of a sudden old unauthorized inquires that had been disputed and removed reappeared along with some new inquires. I have so many unauthorized & UNKNOWN inquires REPORTING on all 3 of my consumer reports. I had names that was n't mine, debt, accounts and addresses that was removed because they was reporting on my credit but not mine. I sent letters to ever last company on my file that is reporting these inquires i do n't authorize and have no knowledge of .NOT ONE HAS RESPONED .I SENT 3 LETTERS TO THE BUREAS ASKING THEM TO INVESTIGATE THESE unknown and unauthorized inquires. I also called and was told to dispute it with creditors in which i did and received no reply .It amazes me how these bureaus can allow people to use your information without your knowledge but want help consumers by protecting our information from these companies and etc. PLEASE HELP ME TO MAKE THESE BUREAUS FOLLOW THE LAW AND NOT KEEP XXXX CONSUMERS LIKE MYSELF

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 2017-11-08 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
This company accessed my credit file with XXXX XXXX on XX/XX/2016, placing an inquiry on my file. I have attempted to dispute this item with the Credit Reporting Agency and with the company, requesting documentation to support their permissible purpose in accessing my file. They have failed to provide such documentation. Accordingly, pursuant to the FCRA, this inquiry should be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
I have XXXX ( XXXX ) inquiries on my credit file from this bank, dated XX/XX/XXXX & XX/XX/XXXX. I have not applied for credit with this bank, and have requested documentation on two occasions supporting their permissible purpose in accessing my files. I have received nothing but a brief letter stating that they had no documentation, as the applications were submitted on-line. My second request garnered no response at all. Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ], this access can only be obtained " In accordance with the  written instructions of the consumer to whom it relates. '' As they have no such written instructions, accordingly, these inquiries must be removed from my credit file 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 2017-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I borrowed XXXX. I have repaid over XXXX. They still say I owe over the amount I borrowed. Total scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I attempted to contact TransUnion about an alleged debt that was reported on my credit report, unfortunately, i have had no success. the company " online information services '' that reported the alleged debt is not licensed with Florida office of financial regulations to collect debt in the state of Florida on behalf of any company. which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: TX

Complaint narrative:
Equifax has a great deal of incorrect information on their report. I can not access the results of any of my complaints ; because they have an invalid address for me on their file. Each time I try to access information, I am unable to do so, because my accurate data does not match their files. I have notified them several times, and they will not correct the data. Once, I received a reply asking me to fax personal data, including my SSN, to an un-monitored fax location. Since Equifax has already proven that they can not protect data, I refused. Note : their recent hacks have made the situation worse. Their data is so bad, that I feel that my situation is hopeless. I have paid all debts that were mine, and I can not do anything about the bad data. I have filed over 100 complaints, and they do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX reflect on my credit reports showing late payments from Capital One. 
I recently contacted Capital One and spoke with a representative, they say its a recorded line so may be able to pull this call to listen. I spoke with a woman representative and asked for the CEO of Capital One email address. The representative put me on hold and came back to ask me why I needed the email. 
I told her that I needed to get late payments removed from my account due to me being out of work on short term disability. She then told me that they will be removed and my credit report should reflect this information in 30 days. 
I then received a letter in the mail stating Capital One is not going to delete the late payments. 
This is an unfair business practice to first tell me in a recorded line that the late payments are going to be deleted from my credit file and then send me a letter saying they will not be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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:
The credit repositories should correct the XXXX XXXX XXXX  Loan XXXX on my credit report.
The correct information for XXXX XXXX XXXX loan is the following : 1. The last payment on loan XXXX was in XX/XX/XXXX. 
2. The loan XXXX was accelerated in XX/XX/XXXX, there were n't any monthly payments due after XX/XX/XXXX.
3. The last activity on loan XXXX was in XX/XX/XXXX.
4. XXXX XXXX XXXX DID NOT transfer/sell loan XXXX in XX/XX/XXXX. This remark should be removed from my credit report.
5. The current status of loan XXXX is not 180 days past due or 120-149 past due. The CURRENT STATUS of loan XXXX should not reflect any past due payments.
6. The loan 's current status should reflect XXXX amount due, XXXX monthly payment, and no payments due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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:
The credit repositories should correct the XXXX XXXX XXXX  Loan XXXX on my credit report.
The correct information for XXXX XXXX XXXX loan is the following : 1. The last payment on loan XXXX was in XX/XX/XXXX.
2. The loan XXXX was accelerated in XX/XX/XXXX, there were n't any monthly payments due after XX/XX/XXXX.
3. The last activity on loan XXXX was in XX/XX/XXXX.
4. XXXX XXXX XXXX DID NOT transfer/sell loan XXXX in XX/XX/XXXX. This remark should be removed from my credit report.
5. The current status of loan XXXX is not 180 days past due or 120-149 past due. The CURRENT STATUS of loan XXXX should not reflect any past due payments.
6. The loan 's current status should reflect XXXX amount due, XXXX monthly payment, and no payments due.

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 2017-11-08 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:
The credit repositories should correct the XXXX XXXX XXXX  Loan XXXX on my credit report.
The correct information for XXXX XXXX XXXX loan is the following : 1. The last payment on loan XXXX was in XX/XX/XXXX.
2. The loan XXXX was accelerated in XX/XX/XXXX, there were n't any monthly payments due after XX/XX/XXXX.
3. The last activity on loan XXXX was in XX/XX/XXXX.
4. XXXX XXXX XXXX DID NOT transfer/sell loan XXXX in XX/XX/XXXX. This remark should be removed from my credit report.
5. The current status of loan XXXX is not 180 days past due or 120-149 past due. The CURRENT STATUS of loan XXXX should not reflect any past due payments.
6. The loan 's current status should reflect XXXX amount due, XXXX monthly payment, and no payments due.

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 2017-11-08 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: FC HoldCo LLC
State: NC

Complaint narrative:
This Company accessed my credit files with XXXX and XXXX on XXXX XXXX, 2016. I have written to the company requesting documentation supporting permissible purpose for these inquiries, as well as the Credit Reporting Agencies involved. Neither have produced any documentation to support permissible purpose. Accordingly, these inquiries should be removed from my credit files.

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