vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently checked my credit report and there is a credit inquiry from Capital One that I do not recognize from XX/XX/2019. I did not apply for any credit cards or loans with them on that date. I contacted the company but they did not remove the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I recently checked my credit report and there is a credit inquiry from Cbna  that I do not recognize from XX/XX/2019. I did not apply for any credit cards or loans with them on that date. I contacted the company but they did not remove the inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
XXXX broke my loans down into 9 different accounts with 9 different interest rates increasing my loan to over {$37000.00} for an XXXX degree!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am seeing hard inquiries from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I know majority of them should have been disputed by now because its been over a year. Can you please contact me back when someone has the time, thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05 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: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: NM

Complaint narrative:
Trans Union, XXXX  and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have two sears accounts reporting to my credit. One account I know about. The other I did not open. My wife is a XXXX  and she called Sears on several occasions and asked for the application for the card, everything with my signature and all purchases. They responded with bills showing no purchases, nothing with my signature and no application. This card has a {$520.00} balance and these are not my charges. They have not provided me with dates. All I have is the information on XXXX XXXX  collection opened in XX/XX/2019. The statements Sears sent us show inly balances no charges no payments. I think someone intercepted a new card in my mail and charged it but I cant even file a police report because I dint know the dates etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: GA

Complaint narrative:
Experian failed to investigate multiple disputes of an account reported by XXXX XXXX XXXX. Results from previous disputes all returned " verified '' in XXXX, XXXX, XXXX, & XXXX. However, the " Date Of Status '' never changed. This account has reported new 90-day late payment activity 35 times. This account also has two inaccurate 30-day late payments reporting for XX/XX/2015 & XX/XX/2015. I have attached supporting documentation. XXXX XXXX confirmed no other updates reported after this account was closed & charged off as of XXXX. Experian failed to verify.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: MI

Complaint narrative:
My account was never late with XXXX, it was completely paid off. And removed from XXXX, I would like it removed from Equifax and XXXX  as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: MI

Complaint narrative:
My account was never late with XXXX, it was completely paid off. And removed from XXXX, I would like it removed from XXXX and Experian as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: MI

Complaint narrative:
My student loans have late payments back from XX/XX/XXXX-XX/XX/XXXX. During this time I was in forbearance, and then I was XXXX XXXX military. My account shouldnt have any late payments. 

And as of XXXX my student loans were paid in full due to the XXXX XXXX XXXX due to being XXXX XXXX with the Dept of Veteran Affairs. 

Some accounts have over 33 missed payments on it, and in total theres over 100 missed payments being reported, essentially destroying my credit score. 

I am unable to receive credit due to the incorrect reporting of the Fed student loan service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My student loans have late payments back from XX/XX/XXXX-XX/XX/XXXX. During this time I was in forbearance, and then I was XXXX XXXX military. My account shouldnt have any late payments. 

And as of XXXX my student loans were paid in full due to the XXXX  XXXX XXXX due to being XXXX XXXX with the Dept of Veteran Affairs. 

Some accounts have over 33 missed payments on it, and in total theres over 100 missed  payments being reported, essentially destroying my credit score. 

I am unable to receive credit due to the incorrect reporting of the Fed student loan service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My student loans have late payments back from XX/XX/XXXX-XX/XX/XXXX. During this time I was in forbearance, and then I was XXXX XXXX military. My account shouldnt have any late payments. 

And as of XX/XX/XXXX my student loans were paid in full due to the XXXX  XXXX XXXX due to being XXXX XXXX with the Dept of Veteran Affairs. 

Some accounts have over 33 missed payments on it, and in total theres over 100 missed payments being reported, essentially destroying my credit score. 

I am unable to receive credit due to the incorrect reporting of the Fed student loan service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My student loans have late payments back from XX/XX/XXXX-XX/XX/XXXX. During this time I was in forbearance, and then I was XXXX XXXX military. My account shouldnt have any late payments. 

And as of XX/XX/XXXX my student loans were paid in full due to the XXXX XXXX XXXX due to being XXXX XXXX with the Dept of Veteran Affairs. 

Some accounts have over 33 missed payments on it, and in total theres over 100 missed payments being reported, essentially destroying my credit score. 

I am unable to receive credit due to the incorrect reporting of the Fed student loan service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: NY

Complaint narrative:
I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND OUT SOMEONE WAS USING MY INFORMATION WITHOUT MY CONSENT .. I DID NOT OPEN OR PROFIT FROM THIS ACCOUNT .. PLEASE REMOVE ASAP thank you .. happy holidays

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: TX

Complaint narrative:
I was in income driven repayment. I lost a job had a baby and called to report change to income. Loan service said they needed information regarding wife 's income so I submitted it. Nothing changed On my payment amount so I contacted them again and was told they never received it. Offered my forbearance or deferment on my loans while I resubmitted income driven repayment application. I submitted said income driven repayment application along with wife 's income documents ( pay stubs ). As of XXXX I still have not received any adjustment. My loan payment is increasing to over {$300.00} which I cant pay and will end up in default. I submitted a new application had wife cosign submitted new pay stubs from XXXX and await loan services response. That Sums up my first complaint. My second complaint is about a payment that was deducted from my bank account on XX/XX/XXXX. Ir finalized in my account XX/XX/XXXX. I never Authorized a payment be made. The money was deducted illegally without my authorization and I have sent an Email about it to Great lakes my loan servicer and haven't yet received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: FL

Complaint narrative:
This company is committing credit reporting fraud. They have changed the date of the repossession on my credit report from XX/XX/XXXX to XX/XX/XXXX with 120-180 recent reoccurring late payments. Initially it reflected open with the same late payments after reaching out to this organization as well as many others this company continues to use Equifax reporting system to victimize me with inaccurate information. I am in fear of this company and how it continues to use Equifax to openly conduct fraudulent credit activity against my Equifax credit reporting and I want something done I demand they be restricted from accessing my credit report to continue to be allowed to illegally report inaccurate information knowingly. Ive been in constant dispute over the account since XXXX when they refused to document the cars resale this company has to be stopped. Why are they being allowed to use a company we rely upon for accurate credit reporting to be allowed to utilize the reporting system to victimize consumers. I demand this company to be removed from my credit report and blocked from accessing my credit report I am in the process of filing a police report against them as we speak for the immediate crimes being allowed by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: NY

Complaint narrative:
I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND OUT SOMEONE WAS USING MY INFORMATION WITHOUT MY CONSENT .. I DID NOT OPEN OR PROFIT FROM THIS ACCOUNT .. PLEASE REMOVE ASAP thank you .. happy holidays

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND OUT SOMEONE WAS USING MY INFORMATION WITHOUT MY CONSENT .. I DID NOT OPEN OR PROFIT FROM THIS ACCOUNT .. PLEASE REMOVE ASAP thank you .. happy holidays

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was on vacation in XXXX XXXX, then some people from the company called XXXX XXXX or XXXX XXXX XXXX offered me a credit card with an interest of 0.0 % of the total approved. They explained to me that XXXX XXXX XXXX and Barclays credit card company work together to get customers who want to be members of the travel club. For this reason Barclays offered this card with 0.0 % interest of the total approved. 

XX/XX/2019, {$6800.00} I was speaking with the seller about this scam and informed the credit card Barclays about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XXXX XXXX  is attempting to collect and account that is paid I full Supported by their records which show I paid their account in full and is due a refund based on their own records

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: MI

Complaint narrative:
For three years ( 3 ) I have been fighting to have an inaccurate account from XXXX XXXX XXXX, listed on my credit report. XXXX XXXX XXXX is continuously reporting Inaccurate account information to XXXX, XXXX and Transunion, including that I owe {$580.00}. I have sent five ( 5 ) disputes directly to XXXX XXXX XXXX, XXXX, Transunion and XXXX and I demand this account be completely removed from my credit report. This account has multiple violations of the Fair Debt Collection Practices Act, which guarantees a fair and accurate credit report. I formally dispute this account and reserve the right to file suit in U.S. District Court for violations of FCRA and FDCPA. 

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 2020-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I have a " Uber '' branded Barclays Credit Card. This card have a {$50.00} annual credit for subscription services such as XXXX XXXX, XXXX, XXXX. Their rewards center shows I reached my {$5000.00} threshold and on XX/XX/XXXX a {$12.00} XXXX charge was charged to my account. Their site says it may take up to 5 days for the credit to show up. As of XX/XX/XXXX the credit has still not shown up. I reported the issue on XX/XX/XXXX via their email portal, and followed up XX/XX/XXXX and XX/XX/XXXX via online chat but the issue has still not been resolved. They confirmed in the XX/XX/XXXX chat that I am owed the 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 monetary relief
Consumer complaint received 2020-01-05 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: IL

Complaint narrative:
Well to be honest I was sent to XXXX XXXX XX/XX/XXXX. Came home XX/XX/XXXX. So come to find out someone use my name n info on a student loan n put a water bill in my name. Now I gave my XXXX XXXX info to the XXXX but still nothing happen. N this is hurting 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 non-monetary relief
Consumer complaint received 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: TN

Complaint narrative:
On XX/XX/2019, I was contacted by XXXX XXXX XXXX, to inform me that they decided to deny to employ me based, in whole or in part, on information contained in the report furnished by Sterling Infosystems INC . 
Sterling 's failure to employ reasonable procedures to ensure maximum possible accuracy and reporting criminal history information and other adverse information about consumers resulted in an adverse action - denial of employment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient got my loans and told me I could be in forbearance for awhile three times. They tacked on more finance charges by the thousands three times already. And they hit it on my credit report separately for each loan. So my credit score goes way down every time I try to get it up. Then I read o ly teachers and such can only get forgiveness of loans so I dont even qualify. I was garnished for over 5 years with another company and all that money is wasted because navient just tacked on more and more money. I graduated in 2007 from XXXX and they didnt even help me find a job like they said they would. I am getting nowhere in life. I am XXXX years old now and cant even buy a house because they continue to destroy my credit. I still owe almost as much as I did when I started school

Company response to consumer: Closed with explanation