vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-12 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: PA

Complaint narrative:
XX/XX/2018 - I made a more specific attempt to resolve issue to Experian and XXXX. 
Two accounts are being reported on my credit history that were opened via fraud. 
XXXX XXXX XXXX XXXX XXXX Line of Credit account and XXXX XXXX XXXX Credit Card. 

I recently sued XXXX XXXX related to employment I had with them in conjunction with the loans mentioned above. I sued in the XXXX Pennsylvania District Court - Case XXXX. My case was over Discrimination, Breach of Contract, Fraudulent Misrepresentation, Interference with Prospective Economic Advantage and Violation of Pennsylvania Wage and Payment Collection Law. Part of my issue with XXXX XXXX was that I they made me obtain the loans for XXXX XXXX benefit with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. These loans were granted using my Intern Salary which XXXX XXXX only paid me for a short period of time while preparing to open my office/agency. I had to use the funds from these bogus XXXX XXXX loans to the benefit of XXXX XXXX by purchasing XXXX XXXX marketing materials, XXXX XXXX mail and online ads, etc. 

I attached the lawsuit for your review. If you take the time to read the lawsuit, you will understand how and why I had to sue XXXX XXXX. While the case was settled, I still have the credit issues from the fraudulent loans that XXXX XXXX made me take during my Internship. 


XXXX XXXX XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on my credit report. 


XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on my credit report.

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 2018-06-12 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: NJ

Complaint narrative:
XX/XX/2018 - My potential landlord ran my credit check on XX/XX/XXXX and shared the report. I see a fraud and identity theft on my account. I see an address that is not mine on my credit report and also see a collection charge of {$610.00} on my credit report. 

Disputing address on file XXXX XXXX XXXX XXXX, XXXX   XXXX Disputing Collections and {$610.00} charges on File Creditor Name : XXXX XXXX XXXX I tried to report this dispute online through XXXX but I was unable to submit a dispute. Tried calling them at XXXX but was put on hold for more than one hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: Diversified Consultants, Inc.
State: MI

Complaint narrative:
Diversified consultants commits fraud and places inaccurate information on consumer reports in an attempt to get them to pay for debt that cant even be verified or validated. They placed a debt for XXXX for {$570.00} on my report with a reporting date on XX/XX/XXXX. They do illegal things in an attempt to pressure consumers. 

I mailed a letter the 1st week of XXXX requesting validation. The address they have on file is incorrect as well. They are fishing and I refuse to pay a debt thats not mine that cant even be verified of validated. Both actually. Its been over 30 days I called the credit bureau as well as this address thats invalid is on my credit report now which puts me at a safety risk for my persona information. They are refusing to respond and if theyre responding with the unsaid address putting my personal information at risk which breaches HIPAA. I called today XX/XX/XXXX gave my actual address. The gentleman was nasty and sharp no customer service at all. 
This account needs to be deleted and removed from my credit Bureaus reports immediately for failing to validate within 30 days. 

I can add my usps tracking info it was delivered success Lu my letter to you and you guys did not validate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Debt was paid 14 months ago. I do not owe the 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 2018-06-12 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: NY

Complaint narrative:
TransUnion is continuing to report my identical twin sisters information on my credit report. 
After removing information two accounts inaccurately reported. They refuse to remove the inquiries.

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 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: IL

Complaint narrative:
I have filed a complaint and received a response on XX/XX/18 that the company was still working on my issue, and they have 60 days to respond. My claim account # is XXXX. I received this notice in the mail today. Still no response to my certified letter, asking for proof that this debt belongs to me. I have never lived or drove in XXXX, yet somehow toll fees are attached to my name in XXXX. Please note the notice is " the third attempt to collect ''. I am upset that companies can attach a person to a debt without any explanation, and continue to send notices. I feel this company is harassing me as a consumer. I want this company to stop sending me notices to me until they respond to my complaint. I will not be paying this debt, and will gladly continue to dispute this even if I have to get a lawyer involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: TX

Complaint narrative:
Dear Sir or Madam, On XX/XX/XXXX I inquired about a home purchase with XXXX and my credit was pulled for a USDA loan only. This credit inquiry is currently showing on my credit file as XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I got another inquiry from their preferred lender, Calcon Mutual Mortage via XXXX XXXX also known as One Trust Home Loans. I immediately called them and told them not to access my file again and to remove the inquiry. XXXX XXXX advised me that the inquiry would only count as one and that he could not use the fie obtain thru XXXX XXXX although they are located in the same office. On XX/XX/XXXX the lender again accessed my credit file without my permission this time showing up as XXXX XXXX XXXX via XXXX XXXX. 

On XX/XX/XXXX an email was sent stating I wanted to cancel my application with this company due to numerous lies I had been told up to this point regarding the home, the loan etc.. The company responded by sending me a statement of change letter on XX/XX/XXXX stating my application has been withdrawn. 

On XX/XX/XXXX the company again accessed my credit fraudulently, without my permission this time using the name XXXX XXXX XXXX XXXX XXXX. 

On XXXX I was advised that XXXX XXXX could not approve my USDA loan but was able to get my approved for other loan types that I did not give him permission to inquire on my behalf for. My earnest money was refunded to me on XX/XX/XXXX and I have not had further contact with this company. 

I'm filing this complaint to have all unauthorized inquires removed from all reporting agencies immediately or I will be forced to file a police report. 


thanks in advance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have taken out a loan with Sallie Mae, Now Navient for a total of XXXX XXXX $ to attend XXXX XXXX XXXX XXXX in XXXX California. The loan was taken in XX/XX/2006 and has been paid since. I have had some late payments but I paid a total of XXXX XXXX $ in the past 12 years. My balance currently sits at XXXX XXXX XXXX I feel like this will never be paid off and Navient keeps charging unreasonable capital interest charges keeping the principle balance from going down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: Diversified Consultants, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX I contacted Diversified Consultants in XXXX, FL. regarding an account. I was unaware of this delinquency until I obtained my credit report. Apparently my husband had established this account in my name. 

I asked Diversified Consultants if there was a settlement amount and they replied that there was. I paid the amount with my XXXX Debit card. A few weeks later this account still remained on my report as derogatory. I filed a complaint with XXXX. It is still there. I contacted Diversified Consultants on approximately XX/XX/XXXX and spoke with their representative. I told them it had been quite a while and this was still showing negative on my report. " It's not 30 days yet, is it? '' I replied that it was paid. " Well, it's not 30 days yet. '' I told him that I wanted it off my credit report by the 30th day, XX/XX/XXXX. " We don't remove derogatory reports ''. 

My question is this : if it is paid to their satisfaction, why do I continue to be penalized with a derogatory mark on my credit report? I am working hard to re establish a good reputation and have paid all debts. I have not worked with a repair company to have them erase negative marks nor have I just let them expire. Shouldn't doing the right thing pay off? 

I appreciate anything that you can do to assist me in this matter. I feel that Diversified Consultants is  holding my reputation hostage without cause.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I got an alert that a data breach was found and my info was stolen. I now have a XXXX XXXX XXXX XXXX & a Bank of America credit card on my XXXX XXXX credit report, my identity was evidently used and stolen. Ive lived in XXXX ohio since i was XXXXyrs old n now im XXXXyrs old ... i did not use these 2 strange accounts and they are very recent. Im upset and can provide any info to prove im not guilty of these. I can be reached at XXXX XXXX my name is XXXX..and id like to file a dispute with XXXX XXXX and anyone else for that matter. Now i have to change my password again. Thank you for your time

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 2018-06-12 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX commits fraud and places inaccurate information on consumer reports in an attempt to get them to pay for debt that cant even be verified or validated. They placed a debt for XXXX for {$570.00} on my report with a reporting date on XX/XX/XXXX. They do illegal things in an attempt to pressure consumers. 

I mailed a letter the XX/XX/XXXX requesting validation. The address they have on file is incorrect as well. They are fishing and I refuse to pay a debt thats not mine that cant even be verified of validated. Both actually. Its been over 30 days I called the credit bureau as well as this address thats invalid is on my credit report now which puts me at a safety risk for my persona information. They are refusing to respond and if theyre responding with the unsaid address putting my personal information at risk which breaches HIPAA. I called today XX/XX/XXXX gave my actual address. The gentleman was nasty and sharp no customer service at all. 
This account needs to be deleted and removed from my credit Bureaus reports immediately for failing to validate within 30 days. 

I can add my usps tracking info it was delivered success Lu my letter to you and you guys did not validate

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 2018-06-12 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: Sierra Holdings LLC
State: NY

Complaint narrative:
XXXX is continuing to report my identical twin sisters information on my credit report. 
After removing information two accounts inaccurately reported. They refuse to remove the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
A judgment was filed for a previous debt of {$1400.00} on XX/XX/XXXX. The debt was made by my mother who died on XX/XX/XXXX. The judgment is based on collateral of her home. On XX/XX/XXXX a request for payoff was submitted to XXXX XXXX in order to complete the sale of the home my mother owned. The company was forwarded other requests prior to the XX/XX/XXXX request by the attorneys closing the sale, but got no response. The buyers of the house have suggested backing out of the deal due to the lack of response from 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 2018-06-12 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: BB&T CORPORATION
State: NY

Complaint narrative:
I do not drive. 
Own a car. 
I have an identical twin sister, who purchased a car. The following companies have performed hard inquires on my credit report. Our social security number is very similar. However XXXX continues fail with resolution. When I contact these company they claim they do not have record of my account. And can not do anything further and its XXXX fault.

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 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I have made attempts to have this issue resolved with XXXX XXXX regarding a collection account listed on my credit file. I sent a letter to the company dated XX/XX/18 regarding this fraudulent account and my ID theft report showing that I am a victim of identity theft. The account is not my account and I have never had any business with XXXX XXXX ; which is indicated as the original creditor on my credit file. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated and I would like a resolution regarding this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: Exeter Finance, LLC.
State: NY

Complaint narrative:
I do not drive. 
Own a car. 
I have an identical twin sister, who purchased a car. The following companies have performed hard inquires on my credit report. Our social security number is very similar. However XXXX continues fail with resolution. When I contact these company they claim they do not have record of my account. And can not do anything further and its XXXX fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I do not drive. 
Own a car. 
I have an identical twin sister, who purchased a car. The following companies have performed hard inquires on my credit report. Our social security number is very similar. However XXXX continues fail with resolution. When I contact these company they claim they do not have record of my account. And can not do anything further and its XXXX fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bristlecone, Inc.
State: TX

Complaint narrative:
I have made attempts to have this issue resolved with XXXX XXXX regarding a collection account listed on my credit file. I sent a letter to the company dated XX/XX/18 regarding this fraudulent account and my ID theft report showing that I am a victim of identity theft. The account is not my account and I have never had any business with XXXX XXXX ; which is indicated as the original creditor on my credit file. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated and I would like a resolution regarding this situation.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-12 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
My identical twin sister and I have very similar social security number. XX/XX/XXXX has had our report as one report for well over five years. They claim no fault and have even given both of us access to our report with different social security numbers. They fail to properly fix with 60 days. 

This is includes the following lenders pulling hard inquires on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX XXXX XXXX. 
GM Financial - Insurance Underwriting XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vs XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation