vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hello, My name is XXXX XXXX. I am submitting this request due to some unauthorized inquiries which are on my credit report. I have inquiries from the following companies to whom I did not authorize : XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX  Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX TXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX 2 Automotive Dealers ( New ) XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TXXXX XXXX XXXX/XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX XXXX   Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XXXX Credit Cards/Airlines XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX   XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance Companies XX/XX/XXXX Experian XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX Auto Reseller XX/XX/XXXX Experian XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX XXXX   Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX I have listed what reports are showing and I have no intentions of applying for credit. These multiple inquiries make me look desperate and that is far from the case. I think that these unauthorized inquiries make me look very irresponsible and makes it almost impossible for me to apply for future credit if needed. I have made various attempts to solve this matter but it has gotten me no where. I've tried calls and letters to those listed above and they've done nothing to fix it.

Please get these unwanted and unauthorized marks off of my credit so that I can enjoy the American dream.

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 2018-02-13 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:
There is a credit account showing up on my credit reports that don't belong to me. The account is XXXX with a balance of {$8000.00} this account doesn't belong t me and needs to be removed off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 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: NJ

Complaint narrative:
There is a credit account showing up on my credit reports that don't belong to me. The account is XXXX with a balance of {$8000.00} this account doesn't belong t me and needs to be removed off of 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 non-monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
Credence Resource Management whoever this is totally blowing up my cell phone 7 times to be exact yesterday on XX/XX/XXXX for unknown reasons nothing ever received from them. From multiple phone numbers one being XXXX and not leaving a message etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION
State: MI

Complaint narrative:
Sallie Mae opened 7 accounts for XXXX AND XXXX XXXX where I'm listed as a cosigner. 
The borrower 's mother asked me to cosign for ONE loan. I talked to the borrower over the phone, she asked me some information and said she'll show me the application to sign, which she never did. 
The borrower 's income on the application is {$13000.00} and she got approved by Sallie Mae for a lot more than her annual income. 
False information about me includes my income, my address, my e-mail address ( it's hers ), my monthly mortgage, my citizenship status, my assets, my employer phone number, and in the last application my cell phone number, etc. 
She continued using my social security to obtain loans for herself and, later, for her sister making up information without my knowledge, permission or authorization. 
Sallie Mae is refusing to investigate the fraud, and take me out of the loans they approved without verifying the information. 
There's a lot of made up information about my self that Sallie Mae could've used as red flags to deny further loans.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.

Complaint narrative:
Prepaid card, issued by THE XXXX XXXX  from XXXX for the XXXX XXXX XXXX  or any place that accepts XXXX  was a XXXX gift XXXX in amount of {$100.00}. We used the card once. at the hotel ( XX/XX/XXXX ) in the amount of {$45.00}. The next time ( XX/XX/XXXX ) we wanted to use the card it was DENIED. According to gift card account history it showed, that there was a Service fee of {$1.00} charged every month since XX/XX/XXXX. When I finally called in XXXX to inquire about the problem I received very little support. Their claim is that they have switched banks in XXXX and a refund check was issued with the remaining balance and mailed to our daughter. That is false and our daughter never received any refund back in XXXX. XXXX is telling us that they no longer have access to research the problem. If this was the truth, than we was I able to find my transaction history in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are 5 accounts with the XXXX XXXX XXXX XXXX that are showing on my credit report. These accounts have been closed for some time. 

They are showing missing payments from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX There was any agreement made and these payments were made 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 2018-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: MI

Complaint narrative:
This company opened an account with my name saying I needed to pay them {$120.00} dollars or they would hurt my credit report ( after a couple of hours and phone calls they removed the balance because of the mixup ). They seemed to have mixed me up with my father ( who has the same first and last name, but different social security #, address, and middle name ). I never confirmed my identification to them ( they have the recorded call ) but told me I owed them money, somehow had access to my social security # ( even thought I never confirmed with them that that was my social security number ) and when I asked for their license number he refused to tell me over the phone. They also pulled my address information. I am disturbed that they have all of my information and did not provide me with their information. I am also disturbed that they mixed me up with my father who is almost 3 times my age, lives in a different state than I do, and is not me. I called to file a complaint and they hung up on me multiple times. I would hope they are investigated for their legal practices and that I can have my information removed from their system. ( Mainly providing my father 's medical information to me without his consent, not furnishing their license number, not confirming my identification and still giving out personal information to me ). They were very rude during the phone call and said this would negatively affect my credit report. I was able to resolve the actual debt by calling the medical office and my father who was able to clear up the misunderstanding, but the threatening of my credit report, not furnishing a license number, somehow gaining access to my social security number, and not confirming my identity and then giving me personal information does not seem right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2018, I've sent the dispute letter to Experian. 
Even though I explained this alleged debt, there was no change. 
Experian must delete this alleged debt with my evidenced documents as XXXX XXXX did. 
However, they just added one word, " Updated ''. 

For a brief explanation, The credit report issued by Experian contains incorrect & missing information on this alleged debt. 

1. At First, as you can see the attached document, the race of patient is written as XXXX. Im an 100 % XXXX person, not XXXX at all. This incorrect information makes this debt not trustful and unreliable. No one will believe this debt belongs to me. 
My parents both are XXXX  as well, even my grandparents too. 
XXXX and XXXX have so much difference in looking such as skin color, eye color, hair color, and etc. 
Assuming Id be related to this debt and be a real patient, it should have shown XXXX, not XXXX. 
Indentifying race between XXXX and XXXX is not a big problem. 
For your information, Ive attached the proof document that my race is regarded as XXXX. 

2. Additionally, there is no critical information in the document they provided. 
There is no SSN or any critical information. 
The FDCPA states they must cease collection activity until they have produced verification of the alleged debt if so requested. 
As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. 

As shown above, I've requested Experian to delete the alleged collection debt. 
Along with the same documents I sent to Experian, XXXX XXXX has removed this debt on their credit report. This is not mine and I don't owe any debt to them. 

As a result of this dispute, they put just one word " Updated '' on the credit report. 

After getting the update, I tried to check what content or information was changed in my credit report. 
However, there was nothing. " Nothing '' was updated or changed at all. 
I have 2 credit reports by Experian. One is before sending a dispute. 
Another is the final version of credit report Experian just sent me after the end of dispute with it. 
There is no difference between 2 credit reports at all. 
I'm 100 % sure they didn't work at all with my dispute.

They just put the word " Updated '', and nothing was changed. 
I've tried to dispute this result. However, I was denied by them on their website. 

I've attached those 2 different credit report for a comparison and other proofs. 
Please request Experian to properly work as the law requires. 
Thank you so much for your work.

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 2018-02-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I was a victim of identity theft. I believe that this debt does not belong to me. I have asked this company several times to provide documentation stating that I owe this debt within 30 days or please remove it. This company has failed to provide a signed copy of agreement that shows my signature and the said amount owed. I have a copy of a police report that was made in regards to myself being a victim of identity theft. I will attach it down below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in XX/XX/XXXX and when this account was charged off it has been paid with the collection agency however, this company is still reporting my account monthly as 180 days past due. This account has a XXXX  balance as of XX/XX/XXXX. On XX/XX/XXXX I was told by XXXX XXXX to contact XXXX regarding this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX for the amount {$330.00}. 
I have sent XXXX XXXX a debt validation letter and XXXX XXXX has not responded or removed themselves from any of the credit reporting bureaus. 
I have n knowledge of this debt nor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: CA

Complaint narrative:
These accounts are not my accounts they are FRAUDULENT Im not the XXXX  XXXX XXXX e.g XXXX XXXX, I dispute all of the accounts listed below as FRAUDULENT ACCOUNT XXXX/XXXX {$2200.00} # XXXX ACCT, XXXX XXXX XXXX XXXX {$1300.00} # XXXX, XXXX XXXX XXXX XXXX {$390.00} # XXXX AS FRAUDULENT ACCOUNTS and the Inquiries are disputed as FRAUDULENT Inquiries as FRAUD XXXX   XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX and the FEDERAL TAX LIEN # XXXX XX/XX/XXXX {$31000.00} I DISPUTE ALL OF THE ABOVE ACCOUNTS AS 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 explanation
Consumer complaint received 2018-02-13 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: CA

Complaint narrative:
These accounts are not my accounts they are FRAUDULENT Im not the XXXX XXXX XXXX e.g XXXX XXXX, I dispute all of the accounts listed below as FRAUDULENT ACCOUNT XXXX/XXXX {$2200.00} # XXXX ACCT, XXXX XXXX XXXX XXXX {$1300.00} # XXXX, XXXX XXXX XXXX XXXX {$390.00} # XXXX AS FRAUDULENT ACCOUNTS and the Inquiries are disputed as FRAUDULENT Inquiries as FRAUD XXXX   XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX and the FEDERAL TAX LIEN # XXXX XX/XX/XXXX {$31000.00} I DISPUTE ALL OF THE ABOVE ACCOUNTS AS 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 explanation
Consumer complaint received 2018-02-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in XX/XX/XXXX and when this account was charged off it has been paid with the collection agency however, this company is still reporting my account monthly as 180 days past due. This account has a XXXX balance as of XX/XX/XXXX. On XX/XX/XXXX I was told by XXXX XXXX to contact XXXX  regarding this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL

Complaint narrative:
Paid portion of bill to Balanced Healthcare Receivables on XX/XX/18. Was promised an email as a receipt, as well as a email with website to continue payments and stop phone calls.. Never received receipt or website emails and less than a eek later received another call trying to collect the debt. The person spoke, got my info and hung up on me. Called back asking why I was receiving calls less than a week later and was told it was a glitch that they could see I paid 6 days ago online ( which was false as I paid on the phone ) and the lady kept saying it was a glitch and was a harrassing call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent in numerous disputes to Equifax regarding the inaccurate reporting of a bankruptcy on my file. There was no bankruptcy filed on XX/XX/XXXX. I mailed my most recent dispute around XX/XX/XXXX, and received an email confirmation from Equifax on XX/XX/XXXX that the investigation was underway. Yesterday I received my Equifax report dated XX/XX/XXXX ( confirmation # XXXX ),  stating that the bankruptcy was verified, with a verification date of XX/XX/XXXX.

15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. Obviously, if the verification date is XX/XX/XXXX, no re-investigation was done, which is a violation of the FCRA. 

I have also obtained a copy of my XXXX report from XX/XX/XXXX and there are no public records listed on the report ( see page 9 of  XXXX report attached ). So, how could XXXX verify a bankruptcy, and yet not be reporting it on the Public Record Disclosure file I received from them? 

Based on the above information, I am hereby demanding deletion of the above accounts from my Equifax file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: GA

Complaint narrative:
Someone's name is also on my credit report and social security. they have hard inquiries for auto and home loans also credit card. and I would like these removed and corrected SCREENING REPORTS, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I haven't ever dealt with theses companies never given authorization for them to inquire about my 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 2018-02-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I tried submitting an investigation to Equifax Credit reporting agency about collections that are on my account that has been paid and that are not mines. Equifax online and over the phone dispute process will not accept the inquiries and kicks you out the system. I called and tried speaking to a live agent with no success. The hold times are continuous and no one ever picks up. This happens every time I attempt to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Creditor Information XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX This debt collector its appearing on my credit report I don't understand why.

Company response to consumer: Closed with explanation