vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have submitted multiple request to delete unverified hard credit inquiries on my XXXX and trans union credit files these credit reporting agencies do not comply and XXXX  has sent me letters stating that they can not find my credit file. XXXX   request my drivers license pay stub social security card and w2 all which i have provided multiple times. 
i feel like these companies are discriminating against me because i am 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 2019-09-22 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: WA

Complaint narrative:
There are 43 errors require correction but Equifax never response anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22 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: WA

Complaint narrative:
Unable or unwilling to fix the 50 errors on the credit reports

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 2019-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
I was applying for credit to purchase a vehicle and kept being denied due to a public record or collection filed according to the denial/rejection letters I received ; after being denied more than 3 times I requested and received my Credit Report/file and saw where there was an account in collections for XXXX XXXX for {$490.00}, once I saw this on my credit report/file, I placed an initial fraud alert on my credit file and contacted the Collection Agency at that time ( XXXX XXXX XXXX ) and reported this account as fraudulent due to Identity Theft, and informed the person I spoke with that I'd never opened or have had an account with XXXX XXXX, neither had I lived at the address or even in the County of  the address to which the account was attached to according to my credit report ; I filed a police report in my home County with the Sheriff 's Office as well as doing a Federal Trade Commission Identity Theft report, after which I mailed the police report in addition to copies of other items ( Driver 's License, check stubs, mail ) to prove who I was and where I lived to the three Credit Reporting Agencies as well as the Collection Agency ( the 1st one ) acting on behalf of XXXX XXXX ( XXXX XXXX XXXX ) and after a few weeks it was removed from my credit report/file ; now according to a recent request of my credit report/file, I saw where it was and is being reported again as collections starting back in XX/XX/2019 ; now two months have passed and this remains on my credit report as a negative item under a new Collection Agency ( Online Collections ) as an account in collections ; at this point I don't know what to do, Please Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22 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: TX

Complaint narrative:
XXXX XXXX XXXX And XXXX XXXX XXXX Were sent the FTC and police reports they do not want to comply Sent affidavit also

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau
State: FL

Complaint narrative:
XXXX XXXX {$58.00} I already paid this debt off last week confirmation number XXXX {$240.00} and amount paid it was paid on Monday XX/XX/2019 please remove this from my credit file Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was trying to purchase tickets for a concert from a private buyer. She tried to use a different email first. Said there was problem with the payment going through so I should try to send it to a different email. I sent it to the different email. Both emails ended up being fake and I did not end up receiving the tickets as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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: IL

Complaint narrative:
XXXX XXXX XXXX. Has reported on my TransUnion report on ( XXXX, XXXX 2018 ) I DO NOT own or have any accounts with this company, I dont know who they are. I need this DELETED from my TransUnion report immediately.

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 2019-09-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota financial services ( TFS ) reported wrong information on my credit report stating I had a late payment for 30 days. I have never got any letter, call or communication from them stating I am behind in payments. I always made my payments on time and was really surprised or stressed seeing this wrongful information in my credit reports. I contacted Toyota financial telling them to check their information and delete this wrong report but they stated they are unable to do anything about it. I am a responsible U.S. resident who works and pays his bills and taxes on time. This fact made me stressed and I want the Government Agencies to help me to overcome this hard situation and clean my report from these mistakes and make my life better. Thank you for your support and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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: Nelnet, Inc.
State: KS

Complaint narrative:
I contacted Nelnet to update my address after moving. I was under the impression the I was still under a Hardship Deferment. However, I was not notified by Nelnet that my Hardship Deferment had ended. They advised that they attempted to reach out to me. The email address they indicated that they sent notifications to when reviewing the email they had a typo in the email address. I never received a phone call to notify that the Hardship Deferment had ended. Due to not being contacted my credit score dropped 146 pts.

I called and talked to multiple representatives at this organization and was advised that they would update backdate and address update my account showing that I was not actually 90 days past due. I was advised originally that they would be able to get this updated on my credit report. 

However after putting the dispute in, and refilling paperwork to get onto a new payment plan, I was advised that they would not be able to update my credit report due to " federal regulations ''. 

They recognized that they did have a data entry error, however they indicated since I did not fall under certain criteria they wouldn't be able to update my records. 

I submitted a dispute with XXXX regarding this informing them of the error, and I never got a response. I contacted Nelnet again, now I am on a {$0.00} payment plan for 12Months, but my credit score never was addressed with no true answer other than that the company indicated that I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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: FL

Complaint narrative:
Experian is reporting that I am still an authorized user. They have not updated the account in 90 days. I have not been on the account as an authorized user in more than 4 months. The account number is : 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 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting info about the following accounts past the two year period The accounts are as follows : XXXX Schedule Removal Date - XX/XX/2019 XXXX scheduled Removal Date - XX/XX/2019 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 non-monetary relief
Consumer complaint received 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Me and my husband have a XXXX XXXX card that is not showing on my XXXX   account, and I also have a Citi Bank card not showing on my XXXX 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 2019-09-22 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: IL

Complaint narrative:
XXXX XXXX, XXXX Has reported on my TransUnion report on ( XX/XX/2018 ) I DO NOT own or have any accounts with this company, I dont know who they are. I need this DELETED from my TransUnion report immediately.

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 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Me and my husband have a XXXX XXXX card that is not showing on my TranUnion account, and I also have a XXXX XXXX card not showing on my XXXX 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 explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Me and my husband have a Capital One card that is not showing on my XXXX   account, and I also have a XXXX XXXX card not showing on my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Me and my husband have a XXXX XXXX card that is not showing on my XXXX   account, and I also have a XXXX XXXX card not showing on my Equifax account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
Upon reviewing my credit report on XXXX  's website I notice that there was a charge of XXXX posted by EOS CCA collection referencing XXXX internet company - XXXX, az XXXX. I called XXXX and talked to several representatives concerning this charge and each time they stated that not only do they not have a record of this charge but they also have no record of me anywhere in their databases. I open up several disputes with XXXX stating that this entry is not correct and needs to be removed immediately. Each time XXXX responded with entry being valid and nothing else. The last disputed response from XXXX was the following : EOS CCA Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation Information 1. there is no details, no explanation.

2. No entry as to how the entry was certified.

3. The account and the account number mention on this account is not recognized by XXXX. 
4. XXXX stated that if I had any type of account/business with them from the past then I would be found somewhere in their database - Nothing was found.

5. XXXX  only allows one dispute entry.

This is a false entry on my credit report that needs to be remove immediately and yet, XXXX refuses to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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: IL

Complaint narrative:
XXXX XXXX Has reported on my TransUnion report on ( XX/XX/2018 ) I DO NOT own or have any accounts with this company, I dont know who they are. I need this DELETED from my TransUnion report immediately.

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 2019-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX  ) reported wrong information on my credit report stating I had a late payment for 30 days. I have never got any letter, call or communication from them stating I am behind in payments. I always made my payments on time and was really surprised or stressed seeing this wrongful information in my credit reports. I contacted XXXX XXXX  telling them to check their information and delete this wrong report but they stated they are unable to do anything about it. I am a responsible U.S. resident who works and pays his bills and taxes on time. This fact made me stressed and I want the Government Agencies to help me to overcome this hard situation and clean my report from these mistakes and make my life better. Thank you for your support and understanding.

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 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) reported wrong information on my credit report stating I had a late payment for 30 days. I have never got any letter, call or communication from them stating I am behind in payments. I always made my payments on time and was really surprised or stressed seeing this wrongful information in my credit reports. I contacted XXXX XXXX telling them to check their information and delete this wrong report but they stated they are unable to do anything about it. I am a responsible U.S. resident who works and pays his bills and taxes on time. This fact made me stressed and I want the Government Agencies to help me to overcome this hard situation and clean my report from these mistakes and make my life better. Thank you for your support and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) reported wrong information on my credit report stating I had a late payment for 30 days. I have never got any letter, call or communication from them stating I am behind in payments. I always made my payments on time and was really surprised or stressed seeing this wrongful information in my credit reports. I contacted XXXX XXXX telling them to check their information and delete this wrong report but they stated they are unable to do anything about it. I am a responsible U.S. resident who works and pays his bills and taxes on time. This fact made me stressed and I want the Government Agencies to help me to overcome this hard situation and clean my report from these mistakes and make my life better. Thank you for your support and understanding.

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 2019-09-22 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: KS

Complaint narrative:
I contacted XXXX to update my address after moving. I was under the impression the I was still under a Hardship Deferment. However, I was not notified by XXXX that my Hardship Deferment had ended. They advised that they attempted to reach out to me. The email address they indicated that they sent notifications to when reviewing the email they had a typo in the email address. I never received a phone call to notify that the Hardship Deferment had ended. Due to not being contacted my credit score dropped XXXX pts. 

I called and talked to multiple representatives at this organization and was advised that they would update backdate and address update my account showing that I was not actually 90 days past due. I was advised originally that they would be able to get this updated on my credit report. 

However after putting the dispute in, and refilling paperwork to get onto a new payment plan, I was advised that they would not be able to update my credit report due to " federal regulations ''. 

They recognized that they did have a data entry error, however they indicated since I did not fall under certain criteria they wouldn't be able to update my records. 

I submitted a dispute with Transunion regarding this informing them of the error, and I never got a response. I contacted XXXX again, now I am on a {$0.00} payment plan for 12Months, but my credit score never was addressed with no true answer other than that the company indicated that I was late.

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 2019-09-22 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
An attempt to make payment for the month of XX/XX/2019 was unsuccessful due to inability to access account with regular credentials after countless tries. I was without cell phone reception on and off for days due to travel. I was finally able to gain access to account after making a password change. When I saw the remaining balance .... it was my immediate reaction to pay the entirety of the remaining balance. Mostly to avoid anymore account accessing issues. Very frustrating. I was elated to have the account in good standing and finally closed. Until ... I received emails months later stating I had a balance. Unable to gain access to the account to resolve issue financially, I called. Over the phone I explained why payments werent made. We settled the issue with the agreement I would pay {$89.00} as a final payment. I have received a receipt for transaction. This receipt contains NO indication that this account is now closed. 
I had no way of knowing if this account had gone to collections or not. As both comenity XXXX XXXX and XXXX XXXX patient solutions sent me updated information about my account and payments via email since the establishment of this account. 

I was unable to make my first payment without calling. I was then directed to a website that was not indicated on my statement. Comenity.netXXXX From which I made an account and began making payments monthly. 
I received this loan for dental

Company response to consumer: Closed with non-monetary relief