vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax refuses to investigate unauthorized questioniable inquiries. I have been disputing the inquiries for over 60 days. Equifax simply does not investigate the inquiries. Equifax online dispute simply sends me a standard letter stating the inquiries are a factual record of your credit report, please contact the creditors. I have 24 dispute file numbers and multiple replies from Equifax stating to contact the creditors. I have done that. Not one creditor has replied back. Equifax is simply ignoring the disputes, and failing to send an investigation. 

Inquiries disputed on XX/XX/3019 again File No : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was abroad between XX/XX/XXXX and XX/XX/XXXX. After I returned to the US in XX/XX/XXXX, I found out from my XXXX credit report that around XX/XX/XXXX more than 10 hard inquires were placed and 4 accounts ( 3 credit cards and an auto loan ) were opened in my name. Clearly this was not a simple mistake but an identity theft crime. 

I immediately disputed these activities and provided the necessary documentation which prove that I was not in the US when these accounts were opened. I also filed a complaint to FTC ( Federal Trade Commission ) and to local police in my town. 

Despite all these efforts, the CAPITAL ONE AUTO FINANCE rejected my fraud claim about the car loan which was opened in XX/XX/XXXX. This affects my life very badly because of the damage done to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
OMG I beg of someone who is kind enough to call me and I can discuss this with you completely. I also have proves for every claim I will make. I have never dealt with identity theft and first time I reported it was 2017 I was persecuted in my country for being XXXX and working with XXXX XXXX XXXX on human right education. My family disowned me when I was XXXX. I work so hard and I am finishing XXXX University XXXX XXXX with duo degree. 
I am lost with this situation and I also supposed to get approval for apartment and I am still waiting on their decision to make they are scared when they saw my credit and I never had that lower. I come from different culture and specially when I attached the provided information for identity theft I guess they scared. 
I have morals. 
Please please please someone call me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: TX

Complaint narrative:
student loans that is under my record which I haven't had no student loans. I had call the company and they say they will erase it but they haven't. I need them to check whos identify thief of my information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: NM

Complaint narrative:
Received a loan XX/XX/XXXX in the amount of {$7500.00}. Had to do an electronic fund transfer payment method only. When the funds were not available for that amount, I was charged a fee from them and a {$29.00} fee with my bank. The would do an eft up to three times causing additonal fees with my bank. By the time the funds were available the overdraft fees incurred by them would consume my paycheck, leaving me unable to pay other bills. I have seen a FTC settlement due to these exact things happening to me. The FTC Case is XXXX filed XX/XX/XXXX. I defaulted on my loan and it was charged off XX/XX/XXXX. I am now being sued by XXXX XXXX XXXX, XXXX for the account. The case number is XXXX. I haven't heard from the FTC and now will be fighting a new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, I signed up for TransUnion 's 3 Bureau Credit Reporting. I  have no recollection of the site plainly stating that signing up would be a recurring/subscription. What I was intending to purchase was one-time access to reports, i.e. a single charge for a single service. That was {$19.00}, and a transaction of that amount is fairly regular, so I did not notice the next 12 months of charges from TransUnion. I received no emails, no reminders, or notices of any kind that the charges were renewing each month on the tenth. From XX/XX/XXXX to XX/XX/XXXX, I have been charged a total of {$230.00}, only {$19.00} of which was intentional. 

I noticed these charges for the month of XX/XX/XXXX, on the night of XX/XX/XXXX, and then looked back to each previous month and saw charges from TransUnion. Navigating on the site, the option to " Get the full picture '' on a Credit Report and Score is one of the most prominently featured links. Clicking on that link directs the user to a page that requests {$29.00} for these services. At this point I don't know what it is that the recurring XXXX charges are for, since the original charge was supposed to be for access to a Credit Report and Score. 

I was unable to find a link to cancel the subscription while navigating within the site. A XXXX search found the page, but there were no links that I could find from internal site navigation. I submitted a cancellation for the subscription on XX/XX/XXXX, and received a confirmation of the request shortly thereafter.

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 2019-12-29 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: GA

Complaint narrative:
XX/XX/2019 This is the second time that I have reached out to Experian in reference to inaccurate information that is being reported on my credit report. I never received any correspondence in the mail and there has not been any updates with incorrect items on my credit being removed. I have also reached out to the companies who are reporting the collection & charge off accounts and requested VALIDATIONS and I have not received the requested information either. If this issue is not resolved. I am prepared to file a civil lawsuit against Experian for reporting incorrect information without proper validations if the debts and damaging my reputation. 
You have ignored my request to provide me with the documents that you have in your files that you used to VALIDATE the disputed accounts which means that you have NOT VALIDATED or you can not VALIDATE any of these accounts and under Section 611 ( 5 )  ( A ) of the FCRA you are required to promptly DELETE all information which can not be VALIDATED. 
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 validated or deleted immediately. 
1. XXXX, XXXX ... ... XXXX ... ... ... UNVERIFIED ACCOUNT 2. XXXX XXXX XXXX ... ... XXXX ... .UNVERIFIED ACCOUNT 3. XXXX XXXX XXXX ... ... XXXX ... .UNVERIFIED ACCOUNT 4. XXXX XXXX XXXX ... XXXX ... ... UNVERIFIED ACCOUNT 5. XXXX XXXX XXXX ... XXXX ... ... UNVERIFIED ACCOUNT 6. XXXX XXXX XXXX  ... ... XXXX ... .UNVERIFIED ACCOUNT 7. XXXX XXXX XXXX ... ... .XXXX  ... ..UNVERIFIED ACCOUNT

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 2019-12-29 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: MI

Complaint narrative:
On or around XX/XX/XXXX Transunion received my Identity theft package with FTC theft report. On XXXX XXXX I called Transunion to ask has the fraudulent info been blocked, he said it would take 30 days. According to FCRA 605 ( b ) the information should have been blocked within 4 days of receipt of Id theft claim. Transunion is not honoring and breaking the law at the time of this complaint 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 2019-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NTFN INC.
State: NC

Complaint narrative:
XX/XX/XXXX : Closed on rental home cash out borrowing : {$120000.00} with a mortgage company named NTFN, Inc.NMLS ID # XXXX XX/XX/XXXX : Mailed approximately 2 payments {$1500.00} using personal check. 

XX/XX/XXXX : Check mailed cleared my bank account. 

XX/XX/XXXX : NTFN letter dated stated serving of mortgage changing to XXXX XXXX, XXXX as of XX/XX/XXXX. 

XX/XX/XXXX : XXXX XXXX statement does not reflect payments of {$1500.00}. 

Mortgage sold and payments made to first owner/servicing company not posted.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Solutions, LLC (KY)
State: NC

Complaint narrative:
I sent a debt validation letter to this company on XX/XX/2019, to validate, not to verify this debt they say I owe. This company never validated the debt and the response letter they sent me on XX/XX/2019, also they violated my HIPPA rights by sending me an invoice with the things listed they say I had been treated for but I never signed a HIPPA release form for my information to be shared with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC.
State: NJ

Complaint narrative:
In XXXX we lost employment and we defaulted on the Mortgage. 
When we regain employment we applied for a Loan Modification. 
The Banks were overwhelmed with Foreclosures and Modifications so they finally Modified the Loan in XXXX. 
Over a 100,000 Dollars of late payments was added to the Principal, sending the monthly payments from XXXX to XXXX Dollars and a 40 % loss of equity. 
We payed this Mortgage for the last 6 years but we no longer can afford the high payments. 
We have been in the house almost 20 years. 
Arvest Central Mortgage Company is now foreclosing on the Property They refused to approve a new Modification with Principal and Interest Reduction to make the loan affordable by bringing it to the Pre-Crisis Levels. 
Recently, XXXX  XXXX XXXX did just that, with our Rental Property. 
We appreciate your help in this matter. 
Thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: DISCOVER BANK
State: NV

Complaint narrative:
I'm a person of integrity. I've worked hard to have a stellar financial reputation. However, discover has poisoned me for almost 7 years now. They keep repeating a fraudulent account onto my XXXX  credit report. I've disputed and disputed to no avail. I've requested to be shown original documents as I'm entitled to under section 609 of the fair credit reporting act and neither discover nor XXXX  complied. This is my last attempt to have it removed before I seek Justice via trial by jury as outlined in the 7th amendment of the Constitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: FL

Complaint narrative:
I received a notice that stated that I was currently in debt in the amount of {$380.00} for services that I did not consent nor consume in any way.

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 2019-12-29 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:
I received a notice that stated that I was currently in debt in the amount of {$380.00} for services that I did not consent nor consume in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: FL

Complaint narrative:
I received a notice that stated that I was currently in debt in the amount of {$380.00} for services that I did not consent nor consume in any way.

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 2019-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Consultants, Inc.
State: NC

Complaint narrative:
I sent a debt validation letter to this company on XX/XX/2019, to validate, not to verify this debt they say I owe. This company never validated the debt and the response letter they sent me on XX/XX/2019, also they violated my HIPPA rights by sending me an invoice with the things listed they say I had been treated for but I never signed a HIPPA release form for my information to be shared with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: GA

Complaint narrative:
*** Equifax***Inquiry details ; XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle SalesXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle SalesXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle SalesXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Furniture, Etc. 
XXXX Inquiry from XX/XX/XXXX Complete Dept. Stores XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle SalesXXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies *** XXXX***Inquiry details XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Finance Cb XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
*** XXXX***Inquiry details ; XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX.- Inquiry from XX/XX/XXXXTelephone Companies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX Inquiry from XX/XX/XXXXFurniture, EtXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Motorcycles & Bicycle Sales/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - XXXX  Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle Sales/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Motorcycles & Bicycle Sales/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Furniture, Etc.

XXXX/XXXX  Inquiry from XX/XX/XXXXComplete Dept. Stores XXXX XXXX XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle Sales/XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies *** Transunion***Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX   Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX Inquiry from XX/XX/XXXX Finance XXXX/XXXX   Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Bank XXXX   Inquiry from XX/XX/XXXX Bank XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank

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 2019-12-30 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: GA

Complaint narrative:
*** Equifax*** View all accounts COLLECTIONS XXXX  Opened XX/XX/XXXX {$310.00} Original creditor : XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   Opened XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX   XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX *** XXXX*** Derogatory marks View all accounts COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$1100.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX   OpenedXX/XX/XXXX {$850.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : 11 XXXX XXXX XXXX XXXX XXXX-former OpenedXX/XX/XXXX {$1400.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$310.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with non-monetary relief