vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am unable to obtain credit report, credit score through Equifax. Also unable to freeze my credit file as a result. I call customer service daily and transferred from one group to another. Each group says the other group will fix. I am caught in a constant loop of no action. Today I spent 2 hours and 45 minutes on the phone with Equifax. I get a " tech support '' confirmation number and start the wait all over again. No one at Equifax can tell me what is actually wrong with my credit file other than there is a " discrepancy '' in my information @ Equifax, however, the representative can not tell me what the discrepancy is. I confirm all of my information by phone and the rep says it matches - yet still can not obtain a copy of my Equifax credit file. No one within Equifax can explain why I am unable to obtain a copy of my report, score, etc. I am unable to file a dispute on my report for the same reason. I can not obtain a free copy. I have attempted to pay for the report and it will not process. Photos I have attached to this complaint are examples of the ongoing issue like today 's 2 hour and 41 minute call. The emails received from my credit card company reflecting the charge for a product and the Equifax email stating failure to process ( which is an internal Equifax issue, not a credit card payment issue ). A photo of my email inbox for today with all of the Equifax orders the representative attempted to process while we were on the phone, to no avail. And have included a photo of the error received when trying to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I 've noticed my XXXX XXXX go down then up then down ( due to an account consolidation - which I understand ) but after it went back up it should NOT have gone down again. 

I wanted to check my credit report due to the security breach and I can not get it from my free annual 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 non-monetary relief
Consumer complaint received 2017-09-13 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: NC

Complaint narrative:
For the past 18 months I have been disputing with Experian, the consumer credit reporting agency. I have sent affidavits, police reports, certified compliant/demand letters to Experian. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that Experian added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX ( XXXX XXXX ) *XXXX XXXX XXXX was added before called XXXX XXXX XXXX XXXX XXXX XXXX I also told Experian to remove ALL inquires that I did not authorize and to provide me proof, the inquires still remain on my credit file as below.

XXXX/XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX/XXXX/ XX/XX/XXXX XXXX/XXXX/ XX/XX/XXXX XXXX   XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX   XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX I also told Experian to remove the addresses not affiliated with me, those address is as followed : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX   XXXX XXXX XXXX XXXX XXXX, NC XXXX and add the correct address.

and remove XXXX XXXX XXXX off employment.

My last certified letter that I sent Experian was on XX/XX/XXXX and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to 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 non-monetary relief
Consumer complaint received 2017-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed bankruptcy and capital one was added to my bankruptcy i contacted them numerous times to have the card reported as bankruptcy but they keep updating it on my credit report as charged off. I need to have this debt validated showing i owe them and it was not included in bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
People are having difficulty freezing their credit with transunion. They are currently pushing to purchase their own credit monitoring service before you freeze your credit.

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 2017-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
I have a monthly car note with XXXX XXXX XXXX of {$500.00} with a past due balance of {$980.00}. I would like full validation of the loan to prove I owe anything. And If it can not be proven to be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: HI

Complaint narrative:
In just the past month ( XXXX XXXX ), without any prior notice whatsoever, I have found a collection that has shown up on my credit report. I only found out about this through checking my credit score. The XXXX XXXX XXXX only had my name and a completely fraudulent phone number for me that I do not recognize. The NRA claims that I have a collection from an outstanding bill from XXXX from XXXX XXXX. I never had a account with XXXX in XXXX. The address associated with this account is an address that I moved out of in XXXX XXXX. When I left, I closed my account with XXXX, and transferred the service to a woman who took over my room and lease in this apartment. I confirmed that I had closed out my account with XXXX in good standing in XXXX. I never had an account with XXXX since, and I am not responsible for any outstanding bill from XXXX. Even the woman who took over the account confirmed that she closed the account and moved out of that apartment in XXXX XXXX, so this claim is completely fraudulent.

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I have enrolled in a debt consolidation program I was told by the agency to advise all my creditors of what I 'm doing I gave all the contact information As Told to the problem is that XXXX of XXXX XXXX nc is harassing me continue calling me and threatening to sue I have told them several times and I involved in the debt repair agency and I 'm doing what I was told by the debt agency but yet they continue to harass me and threaten me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: AR

Complaint narrative:
Basically the credit bureau 's are reporting duplicated and some triplets of the same accounts. There a errors being reported and they have fail to correct.

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 2017-09-13 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: DC

Complaint narrative:
Equifax lost the credit report information of approximately 143 million US citizens. This breach occurred in " mid-XX/XX/XXXX ''. Equifax only learned of the breach on " XX/XX/XXXX of this year ''. Furthermore, the public was only notified of this breach on " XX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. '' This is problem of the most extreme magnitude and highlights several key points : 1. Equifax does not have a grasp of the key components required in maintaining secret financial data. 
2. It required several months ( from XX/XX/XXXX) to even become aware of any issue in their systems. 
3. Even after discovering the breach Equifax took another 5 weeks to notify the public of their problems. 

Equifax has demonstrated it is not capable of the required technical rigor which is a necessity to maintain my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Violations of public policy have occurred in operation of this account. 
Information regarding all loans is reported inaccurrate. 

Total Loan Amount Original Terms and rate option Original signed contract from origination year XXXX to current year XXXX require immediate Validation. 

Lawful Request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: NY

Complaint narrative:
I filed a dispute with case number XXXX with Equifax. The case was responded to and closed today the XXXX of XXXX 2017. As usual of Equifax, they have refused to do any investigative work to resolve this issue. I attached letters from the company that did a hard inquiry into my file asking Equifax to delete the records. I am submitting these letters again for Equifax to revisit. 
I wish to plead with CFPB to compel this company to do the right thing and save us time. I intend to file a suit to compel them to remove these items since the company involved issued letters to that effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX did. Told them this : I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Due to the XXXX hack I decided to freeze my credit for protection. On XXXX/XXXX/XXXX I logged on to both TransUnion and XXXX ' sites to perform the freeze only to find out that I will be charged {$10.00} by each company for the freeze? 

Why do I have to pay to have a switch flipped in a database? As a consumer who can not consent to these companies holding my data ( and insecurely ) Why do I have to further pay them? It also seems that I have to pay them to unfreeze my credit. This just seems very anti consumer.

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 2017-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was at a place of business requesting parts for my car to be ordered. At that place of business the local police had towed my car and kept my car at a tow service lot. I will leave out the reasons for this moment. If any pending legal matters. I did not find out that my car was towed and brought to a tow service yard until 27 days after it had been towed. I had called the tow service and the man had refused to speak to me on the phone. He had stated that I had to go there with a photo ID. I tried explaining to him that I had lost my wallet and had no photo ID. I then call the financing bank that I had the car loan with. They tell me that they had repossessed my car after 20 days of being at the tow service lot. What boggles my mind is how did someone find out the financing bank. Also what boggles my mind even more is that I had this car loan on Automatic Payment drafted from my checking account one per month. I was not struggling with any payments. The monthly payment was only {$270.00} a month. So I do not understand why my car was repossessed at all. My automatic payment was always sent on the same day for the same amount. I also keep full covered auto insurance. They never gave me an answer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: NC

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 2017-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education
State: UT

Complaint narrative:
I was a XXXX XXXX student from XX/XX/XXXX to XX/XX/XXXX and received all of my loans from the XXXX XXXX XXXX XXXX XXXX ( XXXX ). After graduation, I began to make payments to XXXX believing they were qualifying towards the public service loan forgiveness program ( PSLF ). I made such payments for three or four years before learning that the payments could not and would not be counted towards PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I should n't have to pay for a freeze. This is ridiculous esp. after the XXXX  breach. I just want to protect myself, not make the credit bureaus lots of extra money for XXXX up.

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Recently there was a massive data breach at Equifax. Said data breach has put at risk the financial security of hundreds of millions of Americans. 
Out society is such that our credit score deterined by this company will determine the trajectory of your life. 
In the recent events, the only option to truly protect your credit score is to enact a credit freeze at each credit agency. This will cost almost EVERY American 10 dollars per agency for a freeze and to remove a freeze. That is {$60.00} for each of the 143 million Americans for the mistake of a company performing a service that most of those Americans did not request. 
I know I do not want to pay the fee to freeze because why should I give money to the people whose fault this is. 
There should be no fee to freeze one 's credit, especially given the current circumstances.

Company response to consumer: Closed with explanation