vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-27 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: CORELOGIC INC
State: MT

Complaint narrative:
I didnt make this credit inquiries. This is affecting my credit scores. This is a mistake. Please investigate this and erase this from my credit report. I called all this companies and they didnt solve the problem INQUIRIES : 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX  XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4.XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX/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 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
I didnt make this credit inquiries. This is affecting my credit scores. This is a mistake. Please investigate this and erase this from my credit report. I called all this companies and they didnt solve the problem INQUIRIES : 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX  XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4.XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX/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 non-monetary relief
Consumer complaint received 2017-09-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
For the past few months i have been disputed accounts are my report. I have not recieved any letters back about these disputes. NOTHING. I 've been sending letters since XXXX. No updates. Now i know these companies will reply that they need more time but they 've had MORE than enough time to investigate these disputes. Why are these companies not being held liable for violating consumer rights? The following accounts are reporting inaccurate and need to be removed asap or provide me with methods of verification. 
I have two repos. Neither of these companies have furnished me with a notice of redemption/reinstatement or a notice to sale. 
XXXX XXXX is reporting an inaccurate open date. 
XXXX XXXX is reporting an inaccurate balance. 
XXXX XXXX clearly this company has made a mistake. This account is not mines. I have never done business XXXX XXXX XXXX. 
XXXX XXXX this account is reporting inaccurately. 

It is my right to have EVERYTHING on my credit report reporting 100 % accurately. These credit bureaus have been ignoring my request. It is just disrespectful and a slap the face. These accounts need to be removed.

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 2017-09-27 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 continues to report inaccuarte information on my credit file. There are several student loans that are reporting as late while they were in general forbearance. Every time i dispute these items they say they are verified but with whom? The loan servicer sent me documentation that the loans were in forbearance. They are other loans reporting late that were being consolidated and had a forbearance as well. The loan companies direct me to dispute with the credit agency and the credit agencies wanted me to get the loan agencies to update, Its just so much back and forth. The loan companies appear to have poor record keeping. They buy and sell loans and change owners and it get really confusing and the consumer gets hurt. There is also a bankruptcy on my report that I have disputed and requested validation that keeps coming back verified. The information is incorrect. The agent that I spoke with two days ago stated that there was a variation of my social security number so that may explain somethings. I just dont know. I do know that I am tired of disputing over and over again. I feel helpless and at the mercy of the agency. And the data breech with XXXX has made things so much worse. I had unauthorized inquires and everything. I just do n't know what to do. There is also a XXXX XXXX charge off that I disputed multiple times that I do not believe is accurate. I am sending over all of my documentation so maybe someone will look at it and take me seriously and help 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 explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX, I filed a complaint ( XXXX ) with the CFPB as Barclays Miles & More XXXX had incorrectly re-billed me for {$760.00} for a charge from XXXX. I requested three things be done : - This charge be revised - All associated late fees and interest charges be removed - Notification to the credit card agencies that the reported delinquencies be removed On XX/XX/XXXX, Barclays responded saying they admitted mistake on their part, and removed the charge as well as notification to the agency However, even until today, no reversals of the late fees and interest charges has been made, and a balance remains on the account. There should be XXXX balance. 

Attached file shows above from Barclays.

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 2017-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
For the past few months i have been disputed accounts are my report. I have not recieved any letters back about these disputes. NOTHING. I 've been sending letters sinceXX/XX/XXXX. No updates. Now i know these companies will reply that they need more time but they 've had MORE than enough time to investigate these disputes. Why are these companies not being held liable for violating consumer rights? The following accounts are reporting inaccurate and need to be removed asap or provide me with methods of verification. 
I have two repos. Neither of these companies have furnished me with a notice of redemption/reinstatement or a notice to sale. 
XXXX XXXX is reporting an inaccurate open date. 
XXXX XXXX is reporting an inaccurate balance. 
XXXX XXXX clearly this company has made a mistake. This account is not mines. I have never done business wth2 XXXX XXXX. 
XXXX XXXX this account is reporting inaccurately. 

It is my right to have EVERYTHING on my credit report reporting 100 % accurately. These credit bureaus have been ignoring my request. It is just disrespectful and a slap the face. These accounts need to be removed.

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 2017-09-27 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: LA

Complaint narrative:
For the past few months i have been disputed accounts are my report. I have not recieved any letters back about these disputes. NOTHING. I 've been sending letters since XXXX. No updates. Now i know these companies will reply that they need more time but they 've had MORE than enough time to investigate these disputes. Why are these companies not being held liable for violating consumer rights? The following accounts are reporting inaccurate and need to be removed asap or provide me with methods of verification. 
I have XXXX repos. Neither of these companies have furnished me with a notice of redemption/reinstatement or a notice to sale. 
XXXX XXXX is reporting an inaccurate open date. 
XXXX finance is reporting an inaccurate balance. 
XXXX XXXX clearly this company has made a mistake. This account is not mines. I have never done business XXXX XXXX XXXX. 
XXXX XXXX this account is reporting inaccurately. 

It is my right to have EVERYTHING on my credit report reporting 100 % accurately. These credit bureaus have been ignoring my request. It is just disrespectful and a slap the face. These accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: GA

Complaint narrative:
Equifax continues to report inaccuarte information on my credit file. There are several student loans that are reporting as late while they were in general forbearance. Every time i dispute these items they say they are verified but with whom? The loan servicer sent me documentation that the loans were in forbearance. They are other loans reporting late that were being consolidated and had a forbearance as well. The loan companies direct me to dispute with the credit agency and the credit agencies wanted me to get the loan agencies to update, Its just so much back and forth. The loan companies appear to have poor record keeping. They buy and sell loans and change owners and it get really confusing and the consumer gets hurt. The agent that I spoke with two days ago at XXXX stated that there was a variation of my social security number so that may explain somethings. I just dont know. I do know that I am tired of disputing over and over again. I feel helpless and at the mercy of the agency. And the data breech with Equifax has made things so much worse. I had unauthorized inquires and everything. I just do n't know what to do.I am sending over all of my documentation so maybe someone will look at it and take me seriously and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I purchased a car from XXXX XXXX through Santander. OMG My Worst nightmare. After only a few days this car broke down. I called XXXX XXXX 's salesman that sold me the car and he was beyond RUDE. Ignored my calls, told me i had to get the car towed etc. My insurance would n't tow it to XXXX XXXX and i had spent all my money trying to fix this vehicle now i KNOW i was still in the time frame to return this vehicle. That was my plans but this company refused to give me any help. This car has been broke 2 weeks after i purchased it. It was a lemon. Now i know I 'm still liable for this debt but I 've tried to return this broken vehicle. Why should i have to pay on a car that i only used 2 weeks. On top of that Santander is flagging my account with late payments after refusing to help me. I have been struggling to get to work, school and my son 's extra curricular activities. I spend ALL my money on GAS money while this broke LEMON sits in my yard!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medicam information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to MY medical records. I know for a fact i did not give ANY provider permission to share my medical information. RECIEVABLE RECOVERY NEEDS to remove ALL accounts on my credit report and send these accounts back to the original creditors. In addition i will be filing lawsuits against these creditors for violating my medical rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
Unauthorized hard credit inquiry, on XXXX XXXX Caliber Home loans used a service, XXXX and information not provided to them to obtain mine and my wife 's credit reports. When questioned about this they apologized for the miscommunication. I 've challenged this inquiry with both Caliber and XXXX in writing to no avail. Caliber and XXXX indicated that I gave verbal consent which I did not which is a lie. Caliber just gave me the running around. XXXX removed the inquiry after I filed a dispute but XXXX and XXXX  refused to follow suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAC Financial Corp
State: TX

Complaint narrative:
not a loan I took

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Asset Management Systems Inc
State: LA

Complaint narrative:
Upon reviewing my credit report i noticed a collection from XXXX XXXX XXXX. I am not sure how that is even possible. I have never been contacted by nor have i EVER done business with XXXX XXXX XXXX. I would like to take ADVANTAGE of my right as a consumer and dispute this account. XXXX XXXX needs to remove this account until i am able to dispute and they 're able to furnish me debt validation where i agreed to do any business with them hence owing them any money.

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 2017-09-27 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: CORELOGIC INC
State: CO

Complaint narrative:
Unauthorized hard credit inquiry, onXX/XX/XXXX XXXX XXXX XXXX used a service, Credco and information not provided to them to obtain mine and my wife 's credit reports. When questioned about this they apologized for the miscommunication. I 've challenged this inquiry with both XXXX and Credco in writing to no avail. XXXX and Credco indicated that I gave verbal consent which I did not which is a lie. XXXX just gave me the running around. XXXX removed the inquiry after I filed a dispute but XXXX and XXXX refused to follow suit.

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 2017-09-27 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: CO

Complaint narrative:
Unauthorized hard credit inquiry, on XX/XX/XXXXXXXX XXXX XXXX used a service, XXXX and information not provided to them to obtain mine and my wife 's credit reports. When questioned about this they apologized for the miscommunication. I 've challenged this inquiry with both XXXX and XXXX in writing to no avail. XXXX and XXXX indicated that I gave verbal consent which I did not which is a lie. XXXX just gave me the running around. XXXX removed the inquiry after I filed a dispute but Equifax and XXXX refused to follow suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: LA

Complaint narrative:
Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medical information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to XXXX medical records. I know for a fact i did not give ANY provider permission to share my medical information. The reporting agency needs to remove ALL accounts on my credit report. In addition i will be filing lawsuits against these creditors for violating my medical rights. I have ALREADY disputed these accounts the EXACT same way and they 've come back verified. How? Did you recieve a medical release form?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27 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: LA

Complaint narrative:
Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medical information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to XXXX medical records. I know for a fact i did not give ANY provider permission to share my medical information. The reporting agency needs to remove ALL accounts on my credit report. In addition i will be filing lawsuits against these creditors for violating my medical rights. I have ALREADY disputed these accounts the EXACT same way and they 've come back verified. How? Did you recieve a medical release form?

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 2017-09-27 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: LA

Complaint narrative:
Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medical information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to XXXX medical records. I know for a fact i did not give ANY provider permission to share my medical information. The reporting agency needs to remove ALL accounts on my credit report. In addition i will be filing lawsuits against these creditors for violating my medical rights. I have ALREADY disputed these accounts the EXACT same way and they 've come back verified. How? Did you recieve a medical release form?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have duplicate accounts reporting on my credit report. Contacted Navient on numerous occasions to correct the issues. And all I 'm getting is the run around. I went as far as to emailing the XXXX XXXX XXXX. In return he forward my information to a woman from their student advocate department. By the name of XXXX XXXX who lied and gave me nothing but the run around. At this point I 've had it with XXXX and their shady business practices. I have attached email conversation between XXXX XXXX and XXXX. Where you can clearly see her giving me the run around and her making promise that where never kept

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medicam information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to MY medical records. I know for a fact i did not give ANY provider permission to share my medical information. Midwest Recovery needs to remove this account off my credit report and send these accounts back to the original creditors. In addition i will be filing lawsuits against these creditors for violating my medical rights.

Company response to consumer: Closed with explanation