vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-11 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:
Equifax refuses to verify the validity of numerous inquiries on my credit report. I was told that it's a " factual record '' but Equifax will not provide me a copy of a signed authorization form, giving them permission to report these inquiries as fact. Equifax can not and will not provide me with proof bearing my signature and giving authorization for my credit file to be viewed by ANY company, therefore giving them permission to report these inquiries. I request that the below mentioned inquiries be removed if proof bearing my signature can not be provided. 
( 1 ) XXXX XXXX - XXXX XXXX, XXXX ( 2 ) XXXX XXXX - XX/XX/XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ( 4 )  XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ( 5 ) XXXX - XX/XX/XXXX Thank you, XXXX XXXX Last 4 SS # : XXXX D.O.B. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: CA

Complaint narrative:
7 hard inquiries on my credit report These have caused me to be declined for other opportunities XX/XX/XXXX - XXXX XXXX XXXX XXXX - inquire without permission - unknown XXXX XXXX/XXXX/XXXX - inquire without permission XXXX XX/XX/XXXX & XX/XX/XXXX ran twice instead of once XXXX & XX/XX/XXXX Capital one Bank- 3 hard inquiries ( 2 are almost 2 years old ) XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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:
7 hard inquiries on my credit report These have caused me to be declined for other opportunities XX/XX/XXXX - XXXX XXXX dba XXXX - inquire without permission - unknown Infiniti XXXX/XXXX/XXXX - inquire without permission XXXX XX/XX/XXXX & XX/XX/XXXX ran twice instead of once XXXX & XX/XX/XXXX XXXX XXXX XXXX- 3 hard inquiries ( 2 are almost 2 years old ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX I initiated a dispute through TransUnion for an item in collection through XXXX XXXX XXXX That debt, assigned XX/XX/XXXX for {$200.00}, is inaccurate. It was paid via XXXX XXXX ending XXXX in the amount of {$130.00} on XX/XX/XXXX. I sent the credit card statement showing that charge, which originated from a XXXX visit on the aforementioned date. Numerous attempts to contact that collection agency via phone and traditional mail have proved unsuccessful, which is precisely why I dispute the transaction. 

Since XX/XX/XXXX, I have received no updates or follow up from TransUnion regarding my dispute. Their " Online Status Checker '' simply states " n/a '' for estimated completion date and status updated. Obviously more than 30 days have elapsed.

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 2019-07-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I leased a car from BMW financial services. The lease is for XXXX miles. After XXXX miles the breaks broke. Now they want me to cover the expense. I am particularly frustrated with their strategy to refuse responsibility and move my complaint from department to department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: Nelnet, Inc.
State: GA

Complaint narrative:
Please be advised that I'm asking you to remove the student loan accounts listed below that remain on my credit report. The request is in support with the university being a PAY FOR PROFIT school. 

The company committed fraud and deceptive practices, including allegedly misleading students about its job placement rate and actual cost of earning a degree, among other practices. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. 

Name of Accounts : XXXX, Nelnet XXXX XXXX XXXX XXXX XXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed.Thanking you in advance for your anticipated quick co-operation on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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:
Transunion refuses to verify the validity of numerous inquiries on my credit report. I was told that it's a " factual record '' but Transunion will not provide me a copy of a signed authorization form, giving them permission to report these inquiries as fact. Transunion can not and will not provide me with proof bearing my signature and giving authorization for my credit file to be viewed by ANY company, therefore giving them permission to report these inquiries. I request that the below mentioned inquiries be removed if proof bearing my signature can not be provided. 
( 1 ) XXXX - XX/XX/XXXX ( 2 ) XXXX XXXX - XX/XX/XXXX ( 3 ) XXXX XXXX - XXXX XXXX, XXXX ( 4 )  XXXX - XX/XX/XXXX ( 5 ) XXXX - XX/XX/XXXX ( 6 ) XXXX - XX/XX/XXXX ( 7 ) XXXX  - XX/XX/XXXX XXXX 8 ) XXXX  - XX/XX/XXXX ( 9 ) XXXX XXXX  - XX/XX/XXXX ( 10 ) XXXX XXXX - XX/XX/XXXX ( 11 ) XXXX XXXX - XXXX  XXXX, XXXX ( 12 ) XXXX XXXX - XX/XX/XXXX ( 13 ) XXXX - XX/XX/XXXX ( 14 ) XXXX  - XX/XX/XXXX ( 15 ) XXXX XXXX - XXXX  XXXX, XXXX ( 16 ) XXXX XXXX - XX/XX/XXXX Thank you, XXXX XXXX Last 4 SS # : XXXX D.O.B. XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
RE : Your Reference Number XXXX, Acct Number XXXX, reference number XXXX This collection agency is attempting to collect an alleged debt. I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, and a complete accounting / statement of payments with interest and fees associated with this debt. To date, I have not received this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: MD

Complaint narrative:
To whom it may concern, Please note that I have made multiple attempts to work with TransUnion in removing the erroneous reporting of a Dismissed Bankruptcy from my credit report. Based on the reported information from TransUnion, they stated a 3rd party company named XXXX provided the information. Maryland federal courts do not provide information related to public records to 3rd party  companies like XXXX XXXX or any other for that matter that TransUnion stated provided the information. 

The following are the dates that I attempted to dispute the reported information. 

XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019.

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 2019-07-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I sent in a dispute letter asking Experian to verify my bankruptcy. They fail to properly verify my bankruptcy clearly in violation of the law. Law specifically states that the information must be verified from its original furnisher, which is the bankruptcy court. On my credit report it states that they verified it through a third party named XXXX XXXX. i have evidence that I freezed XXXX XXXX before the process started and also have a letter from the bankruptcy court house stating that they do not furnish information to third parties like credit bureaus.

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 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please be advised that I'm asking you to remove the student loan accounts listed below that remain on my credit report. The request is in support with the university being a PAY FOR PROFIT school. 

The company committed fraud and deceptive practices, including allegedly misleading students about its job placement rate and actual cost of earning a degree, among other practices. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. 

Name of Accounts : XXXX, XXXX & US DEPT OF ED/XXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed.Thanking you in advance for your anticipated quick co-operation on 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 2019-07-11 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Please be advised that I'm asking you to remove the student loan accounts listed below that remain on my credit report. The request is in support with the university being a PAY FOR PROFIT school. 

The company committed fraud and deceptive practices, including allegedly misleading students about its job placement rate and actual cost of earning a degree, among other practices. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. 

Name of Accounts : Navient, XXXX & US DEPT OF EDXXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed.Thanking you in advance for your anticipated quick co-operation on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: GA

Complaint narrative:
Please be advised that I'm asking you to remove the student loan accounts listed below that remain on my credit report. The request is in support with the university being a PAY FOR PROFIT school. 

The company committed fraud and deceptive practices, including allegedly misleading students about its job placement rate and actual cost of earning a degree, among other practices. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately.

Name of Accounts : XXXX, XXXX & US DEPT OF EDXXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed.Thanking you in advance for your anticipated quick co-operation on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My girlfriend applied for a capital one credit card and added my name to her application without my consent. I had no knowledge of this card until an alert was posted on my credit report. I do not use that card and it should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: EMG ACQUISITION GROUP, LLC
State: DE

Complaint narrative:
I have several complaints The first is the I was unable to do an additional loan - I was told by the company that I could not refinance my loan even though the funds were available. They said that it was because the company sees the company that I work for as an competitor and they can not lend to their competitors. When asked if I could see their competitors list they would not provide it to me. 

Previously, I had another issue where I committed to making a payment and a half one week and another payment a half the next week due to funds being tight. The manager agreed to it and once two payments were taken out she promised that she would correct the issue and assured me my money should be back in my account. I called the store several times and got no answer or a call back and got no answer. I reached out online via chat to speak with the regional manager and no one got to me until I called their customer service hotline and finally the regional said that the manager no longer works for the company. But doesnt apologize for the issue.

I had another complaint of the manager leaving a message on a reference of mines phone with is against FDCP regulations In my previous loan with them they paid off my account, unauthorized. I was about 3 months behind due to struggles and she processed the payments saying their systems automatically paid the loan off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: DISCOVER BANK
State: AZ

Complaint narrative:
Upon my receipt Discover 's annual year end summary XXXX, I noticed that I was being charged to separate interest rates. I had never seen this before, as I had never really reviewed any of their annual year end summaries. I filed a complaint with the Arizona Attorney General 's Office ( XX/XX/XXXX ) and Discover 's EO of Customer Advocacy, XXXX XXXX, insisted that I agreed to a promotional offer, and I did not. The matter has been an ongoing back and for rehashing of the XXXX XXXX repeating that I accepted the promotion offer, and me of course adamantly denying this fact. None the less I and still being charged 2 separate interest rates. In lieu of all of this, I have never been offered the opportunity to pay off the balance of the promotional to eliminate the need for 2 interest rates, nor am I allowed to allocate my monthly payments. I called into customer service on or about XX/XX/XXXX, to inquire as the reason for the replacement card. I was then advised that it was due to the New Chip, as my old card did not have a chip. I then asked why only one card when my spouse is an authorized user and yet only one replace card was received. The customer service representative advised that a replacement card would be sent in the name of my spouse. At this point, XXXX XXXX is claiming that I agreed to the promotional and has not provided a copy of the recorded conversation stated that I agreed to any promotional. I totally understand the fundamentals of promotional offers and from time to time I take advantage of promotional offer when it is beneficial to my needs. And this particular offer would not have been in my best interest or beneficial to me in any form. My XXXX account is attached to my Discover Card, considering that myself and spouse are constantly making purchases on XXXX. With this in mind I can not not feasibly see their alleged promo being of any benefit to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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 — Investigation took more than 30 days
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I have student loan under my name and cosigner, with Firstmark since XXXX which is a Federal student loan service provider and does not service Federal student loans. It only provides service for private educational loans. I was making auto debit payment option that offers me the peace of mind that comes with knowing my loan payments are being made accurately and on time. In XX/XX/XXXX, I notice my credit score drop by over 100+ point, and found out that it was missing of few payment on my loan and, I then contact Firstmart for more explanation. I was told that my cosigner file Bankruptcy, because of that they did not take my auto debit payment, they just report to all credit bureaus with out my knowledge. Firstmark did not send me letter or email or get no single call. They did said they will try to fix the situation, by this time damage was done. I was on process of buying house to my family, and I get deny because of this. Somehow it have been fix but it was too late. And then they did it again on XX/XX/XXXX with same unfair reason. My credit score drop by huge number again. I was told that I am not able to sign for auto debit payment no more and Firstmark can not contact me or send me reminder for payment, I had to remember every month to call and make payment because the status of the loan is bankruptcy. why me? I am human I could forget payment, and Firstmark did send reminder to every customer who are late from their payment but not me. I am the one who took the loan and I never say I would not pay. I only own {$290.00} from XXXX total. Its not fair for my family going through all this and pay all this price just because my old cosigner file bankruptcy. I am still paying but all I asking them that to fix the situation which they told me not this time. This matter affect my XXXX  little kids life and my whole family. its cost me a lots to fix their first mistake and now back to problem. They are so fast to report late payment without one single attempt to contact me is affecting so many life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation
State: TX

Complaint narrative:
Hello, I received an email stating that my account was paid and everything was updated accordingly. I logged into the Avant system to see if it was accurate and to check my options for a new loan if I ever needed it but I wasn't given the option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC
State: TX

Complaint narrative:
Hello, this company has been on my credit report since 2015 and I have yet to receive any forms or letters regarding this account. I would the opportunity for reapplication and or this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has failed to act after they have received information form me and they basically forced me into starting a subscription so that I could get my credit report updated.

Company response to consumer: Closed with explanation