vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-12 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX and Lexis Nexis is illegally and intentionally reporting a bankruptcy XXXX on my credit report. On XXXX XXXX I was advised by a XXXX  representative that they validated and verified my account via Lexis Nexis on XXXX XXXX XXXX. I called XXXX XXXX on XXXX XXXX, XXXX to confirm how this was because I put a complete freeze on my consumer report in XX/XX/XXXXdue to fraudelent activities. I was told by a XXXX, ( XXXX ) that i indeed have a freeze and no one including XXXX has access to my report but THEY ( Lexis Nexis ) contacted XXXX on XXXX XXXX to verify and validate the dispute I had with them regarding the inaccurate reporting of the bankruptcy reporting on my consumer report with Lexis Nexis. I was and still in total disbelief that both companies are disregarding the FCRA law as it pertains to how a consumers information is to be validated and verified and reported which is only through the original furnisher which in this case would have been the Bankruptcy Court which they ca n't validate. This bankruptcy that XXXX and Lexis Nexis are illegally and inaccurately reporting on my report has not been validated within the 30 days and must be validated thru the original furnisher and was not. I plan to sue both Lexis Nexis and XXXX for their unethical business practices if not removed immediately as required by law. Please assist in giving them guidance and instruction on this matter. It 's blatant Lexis Nexis has broken the law and provided someone with my information with out authorization after my report was frozen and it 's blatant that XXXX did n't verify the dispute in accordance with the law because they ca n't but they continue to report rather than delete as required. They claim they both contacted each other to verify so how did it get verified if either party verified. I do n't have a bankrupty reporting on any other credit bureau but XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I purchased products at an XXXX XXXX outlet in XXXX, NH in XXXX XXXX and was offered a discount if I signed up for a credit card and I agreed and was issued a paper credit card. 

I received my bill at the end of XXXX XXXX and paid it the first week of XXXX XXXX. I then received a notice that they received my payment but it was 10 days late so I incurred a XXXX dollar late fee. I called and asked for a XXXX time only forgiveness because it was my first use of the credit card. 

I was denied so I cancelled the account and never used it again. 

The next month I received a bill for XXXX dollars then for XXXX dollars. 

I have called Comenity Bank but they have refused to forgive my late fees and today I owe XXXX dollars. 

They have agreed to stop adding to my bill as of XXXX, XXXX, but stand by the XXXX dollar fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-12 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:
cra and hiippa violation sent police report please remove hippa and cra violation

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 2017-10-12 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
cra and hiippa violation sent police report please remove hippa and cra violation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: CA

Complaint narrative:
So the credit companies have a security breech, and I freeze my credit. I should n't have to pay {$10.00} to Experian every time I have to freeze or thaw my credit. They make the mistake and I have to pay for it. So they will profit from their neglect.

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 2017-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Dear, Im XXXX years XXXX XXXX person, on XXXX/XXXX/XXXX, I filled Didpute against Mechanic shop that had my car for 2 months, couldnt start the car due to getting starting Error the key couldnt start the car, on XXXX/XXXX/XXXX got car back but he next day I got same Error the key couldnt start the car, XXXX XXXX  XXXX XXXX suppose to send programmer to reprogram the Key but he/her never showed up so on XXXX/XXXX/XXXX, Pentagon Credit union send an Email credit card dispute form to sign, so after signing the form, the customer rep said is going to take 30 to 45 days to resolve but usually after two weeks I get a provisional credit, on XXXX/XXXX/XXXX I called to check the status of my dispute, the Rep couldnt find it, after talking to supervisor I asked to get Reciept and email it, I told him my credit card XXXX is my recipt since we didnt sign any binding contract when my car was towed from one mechanic shop to XXXX XXXX XXXX after 24 days it seems Pencredit union just opened new dispute usually Pencredit union send you dispute form and after signing get resolved since Pencredit merged with other banks everything is backed logged, we have to wait 40 minuets and their service is worst and that was not when I accepted their term and regulation, Pencredit union must follow our term/agreement and one of XXXX protection is to dispute any charge within 30-45 days after 24 days didnt work on my dispute or lost it and this is violation of our term.

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 2017-10-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I ran into an issue with Navient a number of times over the years. I wish back then when I initially got the loans that I was educated on what the loans entailed, interest rates, re-payment plans, forbearance etc. As a young college student, I was not aware that my interest rates were variable - up to 10 % on one loan, and I would be harassed up to 15 calls per day to make payments if I could afford it or not. I went through a full scale of my bills and current salary and now they want pay stubs from me and my co signer. They told me what my disposable income was, it was XXXX to be exact. Do they understand through a full month where the rest of that can do to survive? They do n't, they just want their money. Because I was unemployed briefly I am trying to get a second job just to pay other bills as well. I feel the loans were predatory to the uneducated - there was little care about educating the masses taking out private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
After receiving a discharge letter from this company since this was a result of a missed appointment with a company i never signed paperwork with and refused to pay since I was under no contractual obligation to show up the company continues time and time again to place it on mt credit in hopes i will pay it. Extortion for a debt I do not owe. They are ruining peoples lives doing this. Please sanction this company from doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: TX

Complaint narrative:
XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX I do not recognize nor have I authorized these inquiries. I have a fraud alert on my credit profile and the above listed inquiries should not have been generated without contact and permission form me first. 

Please have experian delete these from 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 explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On my credit reports from XXXX, XXXX, and XXXX there appears a tradeline that I have been disputing since XXXX with the CRAs and the furnisher. 

The tradeline is furnished by Bank of America and lists a XXXX XXXX account number for an alleged conventional real estate mortgage opened in XXXX XXXX. The reference number is XXXX. 

I did not get a mortgage loan from either Bank of America or XXXX XXXX in XXXX XXXX. There is no promissory note, allonge, or endorsement of a promissory note listing either as a lender with me as a borrower. 

The CRAs keep returning verified as the result of the reinvestigations.

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 2017-10-12 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: OH

Complaint narrative:
For a week I have been complaining to Trans Union. Today I called and spoke to a woman who obviously in another country if not another world. I am trying to get an account removed because it has been closed for 7 years. I paid the account as agreed and she stated that any NON ADVERSE account must remain for 10 years. The problem is that when I was young and had no credit, the only company that would give me credit was called XXXX XXXX. 40 years later I needed a loan and went to XXXX which is the new name for the old company. Little did I know that a consumer loan company is a black mark on your credit. I paid the loan as agreed and in XXXX of XXXX it was closed. In the meantime I checked my credit score and one of the reasons for a lower score was that I had used a consumer loan company and that many people with poor credit do as well. Since I checked that, I have been waiting for the 7 years to pass when I could get it removed. Now they tell me that if it in NON ADVERSE, it must remain for 10 years. If it has a negative impact on my credit score, it is an adverse account. I want this account removed from my credit bureau as it adversely affects my credit score just by the type of company it is.

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 2017-10-12 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: MO

Complaint narrative:
I had an account with XXXX XXXX XXXX credit card that was paid in full prior to me filing chapter XXXX bankruptcy-XXXX balance. Since I had to file bankruptcy, this particular card was included in my bankruptcy petition with XXXX owing. However, the information that had already been reported was re-reported to Transunion and XXXX by this creditor in error. This information that was re-reported caused my credit score to take a huge dip of XXXX points! 
I contacted the creditor and they advised me that they reported a XXXX  balance account on XX/XX/XXXX and had no language that should have caused a dip in score. The credit bureaus advised that this is how it was reported, so I 'm at a loss! 
Also, the address on my credit reports isnt correct. My address is showing as:XXXX XXXX XXXX XXXX XXXX , MO XXXX on Transunion and showing as:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX on XXXX-I have submitted documentation proving my address/idenity/etc, and to no avail, they wont update it! I was advised by XXXX to resend the info that I 've mailed and faxed previously.

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 2017-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I work for a XXXX XXXX XXXX, and Sequium Asset Solutions calls the direct line to my office at least 1 time per day, sometimes more. I was on vacation 2 weeks ago, and the caller ID registered at least 7 missed calls.
I have spoken to them on maybe 4 or 5 occasions, and they tell me that they are placing the number to my direct line on their " Do Not Call '' list. I have spoken with customer service representatives, and I have spoken to company supervisors. I last spoke to a " XXXX XXXX '' at about XXXX XXXX today, XXXX XXXX, 2017. 

I told XXXX XXXX that I feel harassed, especially because I have requested that they STOP CALLING my direct line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: TX

Complaint narrative:
On XXXX XXXX, 2017 I sent a request to the 3 credit bureaus to remove credit inquiries on my report as they were not authorized. I applied for a loan with XXXX and XXXX only in addition to XXXX. I have over 19 credit inquiries as a result of XXXX sharing my information without my knowledge or permission to obtain credit on my behalf. 

The response I 'm getting is the same from the bureau 's that the record is accurate when it is not. I 've not authorized anyone other than XXXX and XXXX to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
I sent a XXXX scammer some money, he never sent me concert tickets. I know it was my bad. XXXX XXXX launched an " investigation. '' I filed a police report. The officer heard my story and said, " I bet you {$5.00} you sent money to XXXX XXXX XXXX account, right? For some reason, every scam I come across involves XXXX XXXX XXXX. '' Telling, right? 

XXXX XXXX responded to my claim with an initial letter that said they were investigating and that they would be contacting the other bank XXXX XXXX XXXX and seeing if they could refund my money. On the same day as this letter, they sent a 2nd letter saying that there was nothing XXXX could do and that the claim was closed. I 've asked them if they could verify that the stolen/illegitimate checking account could be shut down - XXXX says that is up to XXXX. XXXX will not discuss another account with me because I 'm not their customer. 

However, XXXX did tell me ( and I 've learned ) some interesting things. In the letter they said that my transaction was initiated on XXXX. It did. They also say that this transaction did not post until XXXX. This was after my dispute was filed and after they " opened '' their investigation. Fishy. They also write, " Please be advised that the token you provided did not match the name of your intended recipient. '' When I asked the supervisor why in the XXXX they would allow a transaction to proceed that did not match the name of the intended recipient, he told me that I did not understand " token based transactions '' and that this was perfectly normal and not a security concern at all. 

One more thing -- while researching XXXX and their security I found this thread from XXXX that is used exclusively as a marketplace for similar fraudsters and scammers https : XXXX This thread ( before it was edited to remove the content ) talked about how XXXX had XXXX security flaw whereas you could enter any mobile number to receive your verification code -- and the number would not need to match the one associated with your bank account. 

Bottom line : XXXX does n't take their security seriously. XXXX XXXX does n't care about it 's customers and XXXX  XXXX XXXX is a haven for scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: CA

Complaint narrative:
I XXXX XXXX I am a victim of Identity theft for quiet sometime. I got a report and I saw some unusual activities in my account. 

a. Someone tried to use a credit card online in the middle of the night about few months ago. 

b. Today I received a notification showing that someone trying to open another account at XXXX XXXX. 

c. Most of the Inquiries reflected on my credit report were not done by me. 

I found out all of the three credit bureaus were hack by hackers and therefore i believe am one of these victim of Identity Theft. 

I believe someone got access of my personal information without my consent. Please advise what you recommend to do in my situation. 

For now, I wish of you to remove any inquiries including within this month of XXXX XXXX, As soon as possible or within 30 days of this notice because I have not applied for any credit cards or store credit including this month of XXXX XXXX. 



If you have any questions, please let me know. 



Sincerely XXXX XXXX One of the people of the california --

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 2017-10-12 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: TX

Complaint narrative:
On XXXX XXXX, 2017 I sent a request to the 3 credit bureaus to remove credit inquiries on my report as they were not authorized. I applied for a loan with XXXX and XXXX only in addition to XXXX. I have over 19 credit inquiries as a result of XXXX sharing my information without my knowledge or permission to obtain credit on my behalf. 

The response I 'm getting is the same from the bureau 's that the record is accurate when it is not. I 've not authorized anyone other than XXXX and XXXX to pull my credit.

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 2017-10-12 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: TX

Complaint narrative:
On XXXX XXXX, 2017 I sent a request to the 3 credit bureaus to remove credit inquiries on my report as they were not authorized. I applied for a loan with XXXX and XXXX only in addition to XXXX. I have over XXXX credit inquiries as a result of XXXX sharing my information without my knowledge or permission to obtain credit on my behalf. 

The response I 'm getting is the same from the bureau 's that the record is accurate when it is not. I 've not authorized anyone other than XXXX and XXXX to pull my credit.

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 2017-10-12 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: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
There is a collection which is NOT mine, I do not owe on any medical for {$1300.00} please help me this is crazy

Company response to consumer: Closed with explanation