vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-11 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: FL

Complaint narrative:
I would like for the credit bureaus to remove all fraud alerts on my credit profile unless I call or send in any letters saying so. I am tired of being embarrass when I apply for new credit. It is ridiculous to always be denied and not instantl approved of credit because my fraud alerts. Please remove them now within 24 hours of receiving message. Also please remove any address, names, social securities. I also want to permanently opt out of any marketing advertising and please do n't sell any of my information to any creditors or any companies or you will face consequences in court against me. Remove any employer information that is on my credit report. Please send me a newly revised credit report from all 4 credit bureaus with updated information. I did n't give any consent for any inquiries on my credit report. Show me your verification process and how these inquiries were placed on my credit report? It 's so much bs that goes on with in credit and you guys try Remove them as well, all inquiries please XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX. Please prove your verification process please send me information on how you verify information please. I need step by step. I have filed complaints online and certified mail to FTC, XXXX County Courthouse, BBB, an Affidavit that will be sent over to you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion 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 2017-09-11 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: FL

Complaint narrative:
I would like for the credit bureaus to remove all fraud alerts on my credit profile unless I call or send in any letters saying so. I am tired of being embarrass when I apply for new credit. It is ridiculous to always be denied and not instantl approved of credit because my fraud alerts. Please remove them now within 24 hours of receiving message. Also please remove any address, names, social securities. I also want to permanently opt out of any marketing advertising and please do n't sell any of my information to any creditors or any companies or you will face consequences in court against me. Remove any employer information that is on my credit report. Please send me a newly revised credit report from all 4 credit bureaus with updated information. I did n't give any consent for any inquiries on my credit report. Show me your verification process and how these inquiries were placed on my credit report? It 's so much XXXX that goes on with in credit and you guys try Remove them as well, all inquiries please XXXX XXXX, XXXX/XXXX, XXXX, XXXX  XXXX, XXXX. Please prove your verification process please send me information on how you verify information please. I need step by step. I have filed complaints online and certified mail to FTC, XXXX County Courthouse, BBB, an Affidavit that will be sent over to you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: WA

Complaint narrative:
The Equifax data breach in XXXX XXXX affects a large portion of Americans and the self identification of whether you are affected or not appears to be bogus. Thus, it is unclear whether I personally am affected and what steps would be most prudent for me to take. However, the current uncertainty and lack of clarity from Equifax following this breach leads great credence to my belief that I should assume my information was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: IN

Complaint narrative:
I submitted a complaint through this portal ( XXXX ) in regards to XXXXXXXX XXXX. I received an email from the Director stating that there is not an account in my name that could be located and can not be validated. In turn, this company does not appear to be licensed to collect in the state of Indiana.

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 2017-09-11 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: IN

Complaint narrative:
I submitted a complaint through this portal ( XXXX ) in regards to XXXX  XXXX. I received an email from the Director stating that there is not an account in my name that could be located and can not be validated. In turn, this company does not appear to be licensed to collect in the state of Indiana.

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 2017-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Approx XXXX I sent a dispute to Transunion about a XXXX on my credit report that I wanted them to investigate as not mine .They came back on XXXX with a verified as accurate. I sent another letter to them XXXX asking them to reinvestigate and verify the method of verification, and to use my name, address, social security number and birthdate. On XXXX they sent a letter to me, that they will investigate the dispute, by contacting the source, or hire a third party to check applicable local, state and federal court records to verify the accuracy and / or completeness of the information reported. 
That has been over a month with no new information from there last findings of the investigation.

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 2017-09-11 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: CA

Complaint narrative:
I was affected by the Equifax breach. I am writing so that there is a formal complaint on record that their handling of consumers ' private information is unacceptably lax. There should be much more oversight of credit reporting bureaus ' attempts to safeguard consumers ' information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
As per the website of Equifax I may have been potentially affected by the security breach they have recently announced. 
This is not a simple issue, it involves ALL my personal information, so I do not believe that " potentially '' affected is a good enough answer. 
As the owners of the system, they should be able to probe and provide an exact answer of the issue and not just place everybody under a " potential danger '' umbrella,.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: CT

Complaint narrative:
This was fraud with fXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
About seven or eight years ago, possibly ten, I asked my lender XXXX XXXX to divide my loans into two groups : co-signed and uncosigned. This way, I could easily ensure that I would always make ( as much as I could ) the payments on the loans cosigned by family members. The grouping stayed the same when the loans became Navient. About a year ago, the website changed and the were no longer group but I kept paying on the ones I had been paying on because they were my cosigned loan. 

Today, when I was checking on remaining balances due to a push from my family to get those specific loans paid of to relieve the stress of the my cosigners, I discovered that one of the loans was not a co-signed loan. This means I 've paid almost 10K dollars over the last eight to ten years I did n't budget on paying for because my lender lied to me in how they grouped the loan.
This fraudulent customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I Contact ( Equifax Credit Report ) To Remove Most Of My Inaccurate Credit Report Request for Investigation of Multiple Unauthorized Inquiry I checked my personal credit report, which I acquired from your organization on [ equifax ] and I noticed Multiple unauthorized inquiry had been made. I contacted [ equifax AND ALL OF THE ASSOCIATION ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into [ equifax AND ALL OF THE ASSOCIATION ] of this multiple inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove ALL of the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation ( With Proof ) within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Here 's The Following Inquiries .... 

-XXXX Auto Inquiry from XXXX XXXX, XXXX -XXXX XXXXXXXX Auto Fi Inquiry from XXXX XXXX, XXXX -XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX S Inquiry from XXXX XXXX, XXXX -XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX -XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX -XXXX Auto Inquiry from XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: SC

Complaint narrative:
XXXX/XXXX/XXXX i found an account from XXXX XXXX XXXX, XXXX that does n't belong to me 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 2017-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Automated Collection Services, Inc.
State: MO

Complaint narrative:
I was XXXX years old and still under my mother 's care. Now knowing she never had health insurance for me and was not giving me any of my bills, I as a XXXX adult, knew nothing of most of these debts. I never received correspondence or the right to dispute. I had serious, chronic health issues as a young adult and am now- 5 years later recieving relentless calls from blocked and out of states numbers. 2 times they never disclosed they were debt collectors and refused to stop calling me while I was at work. I contacted one back and began a payment plan with them. At first they refused to take less than XXXX dollars a month- I am a full time college student and living on my own. I told them the very most I could do was XXXX and have been paying it for a year with no correspondence of my current balance. No one ever mentioned I could dispute it or could send me an itemized bill- some of the bills are over XXXX XXXX XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I was awarded XXXX on XXXX XXXX, XXXX. I received my back pay on XXXX XXXX, XXXX at which time I payed off the smaller of my two XXXX XXXX loans in the amount of {$8900.00} to Nelnet. I also payed a total of {$800.00} on my XXXX  student loan. I made these payments on the same day that I received my back pay in an effort to reduce my debt so I could live off my limited income. 
Approximately one month later, ( I 'm unsure of the exact date and ca n't seem to find the original notice ) I was notified in writing that I was eligible for discharge of my student loans and requested to complete the application, which I did. 
Nelnet services the discharge process, and at this point I have been approved for that. 
The problem is that they will not refund this payoff that I made out of my XXXX back pay because the state that any payments I made before they were aware of my eligibility are not refundable. They do n't use the date that the XXXX signed the XXXX approval or the date that I was notified. They are essentially keeping almost {$10000.00}, which is 1/3 of the back pay I received. I thought I was doing what was best because I  was not aware that XXXX recipients were eligible for discharge. It 's not something my attorney talked to me about as a possible outcome even though he was aware that I have a degree. 

I feel this is a very unfair practice by Nelnet and perhaps there are others who have had this happen and not been able to get anywhere with Nelnet on refunding that payment that would have been XXXX if I had not decided to pay it off to make my minimal monthly income stretch a bit farther. 
I have spoken to Nelnet on multiple occassions about this and they will not consider refunding my payments. I have not been able to find an attorney to work with me on a pro Bono basis so I am attempting this avenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Comerica
State: MA

Complaint narrative:
I have a direct express account where my ssi an ssdi goes in. I tried to contact them for a week and they keep hanging up on me. I also tried to call and text the two companies that charged me and no response I feel its a fraud company and I dont want them to hit my account again. The amounts are {$82.00}, {$34.00}, {$72.00} and it was taking out on the XXXX on the XXXX of XXXX XXXX and the companies name is XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: OR

Complaint narrative:
I have previously disputed this information because I was paying the original creditor. I have no idea why I would end up in collections for this and never received any sort of notification. I think it is wrong that an account like this can even be reported to a credit bureau without the proper information being used. Unless this company is able to fully identify me as the owner of this account, I want it removed ASAP. I believe they have the wrong person because of what I previously stated and it is kind of weird because I still have electricity. So therefore, I must not be delinquent. I believe that my information was stolen in the XXXX  breach and someone is trying to use it against me. I want this company to stop trying to ruin my credit reports and delete all information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: NJ

Complaint narrative:
Equifax mishandled my personal information including name, social security number, address, birthdate, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by pushing the injured parties that they are responsible for to sign up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Because of the data breach at Equifax, and after confirming on their website that both my credit information, as well as my wife 's, may have been compromised, I submitted a 90 day fraud alert and then attempted to obtain my free credit report based upon my fraud report submission. The Equifax web site will not allow me or my wife to obtain our free credit reports without our accepting binding legal arbitration for any and all complaints against Equifax. When we decline to accept their online terms, we are prevented from submitting our requests for our free credit reports. We believe that this is a violation of federal credit laws, since it was the breach of their computers that jeopardized our credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: UT

Complaint narrative:
On XXXX XXXX, I checked with Equifax to see if my information was possibly compromised, and seemed to have been given a response. The site, https : //www.equifaxsecurity2017.com/, asks for my last name and social security number. Multiple other customers have tried using fake information, ( https : XXXX ) with the website stating that said even those " customers '', with information such as Test as a last name and 123456 working as a social number, giving a false positive ( https : XXXX ). I believe my information has not been used correctly, instead been used to offer me a product for ID protection for free which will begin to cost after one year of usage. My information may or may not have been compromised, and Equifax is not giving a solid answer. Instead, I am being pushed a product I do not trust by said company who has been hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: CA

Complaint narrative:
Equifax 's data breach exposed my personal information. I am filing this complaint as I am upset that Equifax did not reach out and notify those affected ; they report the breach ended in XXXX. It 's XXXX. Additionally, I would like to know what types of my information was hacked. For example, did it include my driver 's license number, social security number, etc. As consumers whose information was taken fraudulently, we are entitled to know what information that consisted of. Very disappointed in the lack of transparency and assistance by the company at this stage. Also disappointed that in an effort to check if I was impacted, there is a clause built in to the process that prohibits you from seeking legal action against the company going forward. Dishonest business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: BTH Management
State: TN

Complaint narrative:
I pay easy money {$230.00} and I have my bank statement showing that it was paid twice they send it to a debt collector is called Plaza service and

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: CA

Complaint narrative:
TransUnion and XXXX are still charging money for credit freezes and thaws. After the XXXX break, the XXXX breach, and the XXXX breach, this is unconscionable. 

CFPB should pressure all of the credit reporting agencies to offer freeze/thaw protection gratis.

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 2017-09-11 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: CA

Complaint narrative:
XXXX and Experian are still charging money for credit freezes and thaws. After the XXXX break, the Experian breach, and the XXXX breach, this is unconscionable. 

CFPB should pressure all of the credit reporting agencies to offer freeze/thaw protection gratis.

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