vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-30 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: NJ

Complaint narrative:
I have been an active responsible member of XXXX XXXX since XX/XX/2019. Since then I have paid off 4 successful personal loans one of them being the personal loan they have marked as payment status derogatory and charged off as ifI never paid the loan but I did and have evidence I will be attaching on here. 

Since then they have approved me for several personal loans that I have made right, made payments on time and paid back all of my loans. I have repeatedly reached out for them to make this inaccurate report right because it's affecting my credit score when it should be helping me. 

Not only that but it's also making harder to get approved for other loans and higher interest rate that would help me further my life because I have shown through my payments and my continuous loans they have given me that I can be trusted, I am responsible however this inaccurate report does say that and its affecting my self esteem in feeling like I can help my family being a co-signer on auto loans that would help them out but this stopping me from even helping my family and that really hurts me emotionally.

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 2022-01-30 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
XX/XX/XXXX. I when to XXXX Nissan to lease a vehicle. When I arrived, the car I called about 20 minutes prior was no longer available. They then showed my a few other option and said the price difference will be minimal because its a lease against the directive in total cost. They said they need to check my credit and to sign some papers. I said, I dont want to sign until I see some numbers. They said they can get the numbers and do a soft inquiry. I said to make sure its only a soft inquiry and I asked them 2 times to make sure. They confirm both times, its only a soft pull. There were 2 representatives that I was working with, and they both confirmed this. I signed the paper based on their word, to not do a hard pull/inquiry. Then 2 minutes later, I received a hard inquiry alert on my phone from both XXXX and XXXX XXXX. I was so upset. Unbelievable, I told them. The floor manager came and said sorry, there was miscommunication between sales team and finance person. He said I shouldnt have sign any papers. I said, your sales team said to sign abs I thought it was for the soft inquiry. He said there is nothing they can do now. Then proceed to try and make a deal. My XXXX score dropped XXXX points because of them. Im not buying anything from these guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: PA

Complaint narrative:
Hello, my name is XXXX, and I am writing to delete the following information in 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt

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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
on XX/XX/XXXX, XX/XX/XXXX i notice two bankrupcy appears on my credit report with Experian that i didn't notice until i credit my credit report so i contact the clerk of court .they stated it couldn't be verified. I constantly tried to dispute these items with experian but was unsuccessful, so i spoke to the supervisor XXXX XXXX from XXXX XXXX and they was aware of the situation delected off my credit report it was consider not file and unvertified. also XXXX is reporting hard inquiries, late payments which i never appears late. I need this matter to be resolved where i can get approve for credit anywhere it effective my life. So i am asking for help in resolving this matter.

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 2022-01-30 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: FL

Complaint narrative:
Someone has used my information to apply for credit without my authorization and knowledge. And as a result I am a victim of identity theft. They have caused damaged to my consumer credit report by reducing my credit score and preventing me from actually obtaining credit. I I have no knowledge of neither have I authorized those credit inquiries. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I bought a computer and a phone and after speaking with several managers and customer service from the Bank and XXXX support they still have not put my laptop on an installment plan. I have asked them several times and THEY DO NOT HELP! at all. They ignore my request, instead, they promised me that the computer will be enrolled into a plan and the following month the bill ends up higher. This is the worse customer service bank I have ever seen. Also, they do not fix anything instead it is getting worse. For example, last month I paid {$140.00} and this month my bill is {$200.00}. THE WORSE...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: PA

Complaint narrative:
Hello, my name is XXXX, and I am writing to delete the following information in 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt

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 2022-01-30 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: PA

Complaint narrative:
Hello, my name is XXXX, and I am writing to delete the following information in 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: MD

Complaint narrative:
My fiance and I purchased a home together in XX/XX/XXXX. The taxes on the sale were paid properly. However, there was an issue with the payment for the second half of XXXX property taxes. I got a delinquent tax letter from the city of XXXX and called XXXX XXXX, my mortgage servicer, about it. I sent a copy of it to the email directed on XX/XX/XXXX. On the phone, they let me know that the taxes had been paid XX/XX/XXXX. However, that was not accurate, as I later learned XXXX repeatedly attempted to pay the taxes late, but did not include the late fees. I informed them in the email that per the XXXX city tax portal, the last payment was in XX/XX/XXXX. I sent several emails and called repeatedly, receiving various answers. On XX/XX/XXXX, I received the answer that they couriered a check to beat the tax sale. However, I got a letter and forwarded it to XXXX on XX/XX/XXXX. The letter said that on XX/XX/XXXX the tax lien was sold. When I doublechecked the previous response, I found that the courier had arrived with the check on XX/XX/XXXX, the day after the tax sale auction was held. I requested confirmation that the issue had been taken care of, but received no response, except for an automated email on XX/XX/XXXX that said my taxes had been paid. Apparently, that was the regular payment for XXXX taxes. 
I recently received a letter from the law office that bought the XXXX. I have called twice, XX/XX/XXXX and XX/XX/XXXX, and forwarded the letter to XXXX on XX/XX/XXXX, but have not received a response yet. So far, the amount owed has risen from about {$1800.00} to over {$2400.00}, and the lawyers have not filed paperwork for the case yet, which they are entitled to collect on. At this point, Im actually concerned that the mortgage company would keep failing to pay the owed property taxes until after the foreclosure hearing and we would lose our house. If I dont hear from them very soon, I will need to pay the tax bill out of pocket and try to recover the amount from small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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:
XXXX XXXX XXXX  credit card on my equifax report, is showing open and the account is closed. XXXX XXXX accounts ( 2 ) showing up on my equifax credit report closed with {$0.00} balance. These accounts are paid, and should be removed from my report! Please get them removed from my credit report. Also a collection is showing up from XXXX XXXX for {$2200.00} - This is NOT a joint account and should not be showing on my report, as it is not my collection account. Please get these XXXX XXXX accounts removed from my report, or I will be getting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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:
XXXX XXXX XXXX XXXX XXXX accounts for {$340.00} & {$460.00} have been paid on my equifax credit report. These accounts are paid, and need to be REMOVED from my credit report. Please get these accounts off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: NV

Complaint narrative:
On XX/XX/2022 I, XXXX XXXX sent a letter of deletion to Equifax via certified mail with tracking number XXXX. 

I received a letter back from Equifax on XX/XX/2022 stating their investigation validated these alleged debts. 

Pursuant to 15 USC 1692g- the validation of an alleged debt can only be validated by the ORIGINAL CREDITOR. I have never validated ANY of these alleged debts that are on my consumer report. Equifax failed to come forth with these facts. 

I, XXXX XXXX also under 15 USC 1681b- permissible purpose, NEVER gave Equifax written permission to report ANY of these alleged debts. 

Because of these allegations that have been granted permission FROM Equifax ( an assumed vital role ) not I, XXXX XXXX ( the natural person, consumer and original creditor ) I have been the victim of unfair and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: Hospital Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX Hospital Services INC accounts for {$340.00} & {$460.00} have been paid on my XXXX credit report. These accounts are paid, and need to be REMOVED from my credit report. Please get these accounts off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Oklahoma Student Loan Authority
State: MA

Complaint narrative:
OSLA keeps emailing me while loans are in deferment and I am in school. Has no option to end communications

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint against Equifax for violating my rights under the Fair Credit Reporting Act. During a reinvestigation, pursuant to 15 U.S.C. 1681i ( 7 ) of the FCRA, I was supposed to receive a description of the procedure used to determine the accuracy and completeness of the information on my credit file from Equifax no later than 15 days after receiving my request for that description. I requested a description of the procedures used to determine the accuracy and completeness of the information reporting to my file through CFPB complaint numbers XXXX, XXXX, XXXX and by certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. It is now XX/XX/XXXX, and I have not received anything from Equifax regarding this matter. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to Equifaxs blatant disregard for federal law. It is my belief that Equifax feels comfortable committing blatant violations of the FCRA because they know the CFPB wont enforce the laws set forth by congress as shown time and time again. Equifax has caused me sleepless nights, stress, XXXX and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ) If after any reinvestigation any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint against Equifax for violating my rights under the Fair Credit Reporting Act. During a reinvestigation, pursuant to 15 U.S.C. 1681i ( 7 ) of the FCRA, I was supposed to receive a description of the procedure used to determine the accuracy and completeness of the information on my credit file from Equifax no later than 15 days after receiving my request for that description. I requested a description of the procedures used to determine the accuracy and completeness of the information reporting to my file through CFPB complaint numbers XXXX, XXXX, XXXX and by certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. It is now XX/XX/XXXX, and I have not received anything from Equifax regarding this matter. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to XXXX blatant disregard for federal law. It is my belief that Equifax feels comfortable committing blatant violations of the FCRA because they know the CFPB wont enforce the laws set forth by congress as shown time and time again. Equifax has caused me sleepless nights, stress, anxiety, and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ) If after any reinvestigation any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have been under an Income Driven Repayment Plan for years and Navient does not honor it correctly and denied it although fed loan and student loans.gov have me under a 0 monthly repayment plan. Navient has been emailed and called as to why I am forced to pay them and not receive my qualifying PSLF. I am an educator and have been since XX/XX/2008 to the present. It has been lie after lie and I also attended XXXX University with the loans under Navient and University XXXX XXXX. 
XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder XXXX IMPORTANT TAX RETURN DOCUMENT AVAILABLE Important Tax Document : Form XXXX XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminde XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder XXXX IMPORTANT TAX RETURN DOCUMENT AVAILABLE Important Tax Document : Form XXXX XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
XXXX XXXX XXXX approved XXXX Your Application from XXXX has arrived We have your Income-Driven Repayment plan XXXX Reminder : Your payment will increase soon It? XXXX time to renew your Income-Driven Repayment Plan! 
XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder Happy to provide more details

Company response to consumer: Closed with explanation