vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 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: LA

Complaint narrative:
After carefully reviewing my credit report for inaccuracies I noticed several accounts reporting innacurately and contacted Experian via  Postal  Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report.  XXXX  months later I still have no method of verification for the following items  XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX ,  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX  Enhanced a Recovery #  XXXX . Experian needs to furnish me with the documents requested or delete these accounts from 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 2017-04-26 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: LA

Complaint narrative:
After carefully reviewing my credit report for inaccuracies I noticed several accounts reporting innacurately and contacted   XXXX   via Postal Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report.  Four  months later I still have no method of verification for the following items  XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX ,  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX    XXXX   XXXX   XXXX   #  XXXX .   XXXX   needs to furnish me with the documents requested or delete these accounts from 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 2017-04-26 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: LA

Complaint narrative:
After carefully reviewing my credit report for inaccuracies I noticed several and contacted Experian via  Postal  Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report. Telling me that they will no longer investigate my complaint and to contact the original creditor. Which I have still have no validation of these debts. Four months later I still have no method of verification for the following items  XXXX   XXXX  #  XXXX ,   XXXX    XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX . Experian needs to furnish me with the documents requested or delete these accounts from 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 2017-04-26 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: LA

Complaint narrative:
After carefully reviewing my credit report for inaccuracies I noticed several and contacted   XXXX   via Postal Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report. Telling me that they will no longer investigate my complaint and to contact the original creditor. Which I have still have no validation of these debts. Four months later I still have no method of verification for the following items   XXXX   XXXX   #  XXXX ,   XXXX   XXXX   #  XXXX ,   XXXX   XXXX   #  XXXX .  XXXX  needs to furnish me with the documents requested or delete these accounts from my credit report!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: LA

Complaint narrative:
After carefully reviewing my credit report for inaccuracies I noticed several and contacted  Experian  via  XXXX  Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report. Telling me that they will no longer investigate my complaint and to contact the original creditor. Which I have still have no validation of these debts.  XXXX  months later I still have no method of verification for the following items  XXXX  Delaware #  XXXX , Louisiana  XXXX  #  XXXX , Louisiana  XXXX  #  XXXX . Experian needs to furnish me with the documents requested or delete these accounts from 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 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have mailed Experian several times stating over and over again that I never had a previous address of  XXXX   XXXX   XXXX   XXXX  ' or whatever it was as listed on my Experian credit report. This is an address in  XXXX , GA.     The problem is, I have NEVER LIVED in  XXXX , GA. I did a quick Intelius search for myself  XXXX   XXXX   XXXX  and found ANOTHER  XXXX   XXXX  currently living in  XXXX   XXXX  GA.     For my personal listing, it DOES list  XXXX , GA along with  XXXX , WI  (  my actual residence ) as a 'residence, ' but this is because fo r 1.5 years I  worked for a company called  XXXX ,  XXXX   XXXX   XXXX   , G A, except I did it VIRTUALLY ( telecommuting ). When the company sent out my tax forms, they mistakenly sent it to my current address,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  GA ' and not,  XXXX   XXXX   XXXX  WI. ' This is the only explanation I can come up with for why the address is on there and also listed on Experian 's credit report for me.     I have asked them to remove other iterations of Atlanta-based addresses on my credit report, and they complied. It was basically different versions of the same thing  XXXX   XXXX   XXXX   XXXX , ' or something to that effect. I have NEVER LIVED in  XXXX , so I would like them to remove it now. I have already mailed them  tw  o lett ers about it and they have responded back with something like 'we use different bureaus and reporting methods to check accuracy. '  XXXX . They are using the address of an old employer 's tax forms and am sick and tired of their  XXXX  because upon looking online to other credit reporting forums, I see that others have tried to get their addresses removed from Experian as well and had no success.     Experian does n't seem to understand that creditors trust you based on how long you have lived at an address. I lived at my current address for 18 years (  XXXX  ), then went to college in  XXXX   XXXX  until   XXXX  , then moved back here to the same address I started with (  XXXX  Present  ). I do n't see how  XXXX  hard this is for them to get through their thick skulls. If they want to play these games the next step is I 'm suing them for violating the FCRA.

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 2017-04-26 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: WI

Complaint narrative:
This complaint is about Equifax. At some point in the past, a bankruptcy ( chapter  XXXX  or  XXXX , I ca n't remember ), appeared on my Equifax report. I have never filed bankruptcy. This TANKED my score.     I have submitted request after request to dispute this information off my credit report, however they did not listen after multiple attempts. Frustrated, I looked up on  XXXX  as to whom it could possibly be, most likely 'someone with a similar name ' given that the bankruptcy was being reported in  XXXX   XXXX  GA.     In the attachment, you 'll see the Intelius results for another individual with my EXACT SAME NAME who lives in  XXXX . The first, myself, is listed in  XXXX  because I worked briefly for a company called  XXXX ,  XXXX   XXXX  from   XXXX   to  XXXX  which was based in  XXXX   XXXX  GA. I worked for them FROM HOME (  XXXX , WI  )  as a telecommuting employee, as did MANY others. There was another employee who lived in  XXXX , WI,  XXXX  guy in Texas,  XXXX  guy in  XXXX , a few in other places around the world. We all had our specialty and we all kept regular business hours and communicated via  XXXX .     For whatever reason, some public record crossed with this individual who is associated with  XXXX  University or health care for some reason. I have never been involved in that industry. This individual most likely declared bankruptcy, and it was reported on MY credit report.     At any rate, Equifax has refused to do anything about this. They keep verifying it is accurate, despite me writing them, emailing them, calling them, submitting disputes, and finally it 's come to this. I am FED UP with them, as I have not been able to acquire decent credit for a substantially long time due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: WI

Complaint narrative:
This complaint is about  XXXX . At some point in the past, a bankruptcy ( chapter  XXXX  or  XXXX , I ca n't remember  ),  appeared on my  XXXX  report. I have never filed bankruptcy. This TANKED my score.     I have submitted request after request to dispute this information off my credit report, however they did not listen after multiple attempts. Frustrated, I looked up on  XXXX  as to whom it could possibly be, most likely 'someone with a similar name ' given that the bankruptcy was being reported in  XXXX   XXXX  GA.     In the attachment, you 'll see the Intelius results for another individual with my EXACT SAME NAME who lives in  XXXX . The first, myself, is listed in  XXXX  because I worked briefly for a company called  XXXX ,  XXXX   XXXX  from  XXXX  to  XXXX  which was based in  XXXX   XXXX  GA. I worked for them FROM HOME (  XXXX , WI  )  as a telecommuting employee, as did MANY others. There was another employee who lived in  XXXX , WI, one guy in Texas,  one  guy in  XXXX , a few in other places around the world. We all had our specialty and we all kept regular business hours and communicated via  XXXX .     For whatever reason, some public record crossed with this individual who is associated with  XXXX  University or health care for some reason. I have never been involved in that industry. This individual most likely declared bankruptcy, and it was reported on MY credit report.     At any rate,   XXXX   has refused to do anything about this. They keep verifying it is accurate, despite me writing them, emailing them, calling them, submitting disputes, and finally it 's come to this. I am FED UP with them, as I have not been able to acquire decent credit for a substantially long time due to this.

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 2017-04-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I write the Credit Burrow   50 times that no bank can verify me two Open a new Account and the Credit Burrow never responds two the fact that no bank will verify me two open a new Account. I applied fore 5 credit cards this week all declined.
3 years i cant open a new bank account all where declined but one and the Credit burrow respond there is nothing two Dispute on the report and I agree there is nothing two   dispute i have a  XXXX   Credit Score  and should be able  two Open and Account most anywhere. What I 'm disputing is the Credit Burrow made it so 100 bank applications where denied me in the last 3 years.       XXXX   XXXX   XXXX   XXXX  robed me  XXXX    XXXX    then fore 3 years i cant open a new Bank Account because no new bank will Verify me. I was denied new bank accounts at 75 banks.  XXXX   XXXX   wont take my Credit Cards I  wrote all  XXXX   Credit Burrows 50 times sending 3  Forms of ID and the Credit burrow never responds or Sends a Copy of my Credit Report.     The Credit Burrow says there is nothing I 'm Disputing in my Credit Report, I agree i have a  XXXX    Credit Score and should have no banking Problems.
What Im disputing with the Credit Burrow the Fraud alerts made it so i cant open a New bank account fore 3 years.
I Write the Credit Burrow that i was denied 50 bank Applications all say they cant Verify me and the Credit Burrow says there is no Dispute.
The Dispute is that i applied fore 5 credit Cards   this month all denied 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 2017-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I 've been reported to  XXXX  because of an account opened in my name. I have contacted this bank numerous of times as well as the consumer reporting agencies and nothing has happened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Back in  XXXX     2016  I found an incorrect account being reported on my  XXXX  and equifax reports by  XXXX  and filed a dispute of this account through   XXXX   XXXX   on  XXXX   XXXX     2016  it was removed by both  XXXX  and equifax on  XXXX   XXXX   2016 . Now the same information is being reported by  XXXX  on my equifax report stating the account was opened on  XXXX   XXXX   2016  and I tried to dispute this with equifax but they claim my personal information does n't match their files so I ca n't dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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:
I am a victim of identity theft. The info rmation listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have ma de. It is the result of identity theft.

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 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against NATIONAL RECOVERY AGENT for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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:
I am a victim of identit y theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) tha t I have made. It is the result of identity theft.

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 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: SC

Complaint narrative:
I am very distressed AFNI have included the below information in my credit profile due to its damaging effects on my good credit standing. I have contact  XXXX   XXXX   XXXX   XXXX  they have never heard of me as a matter of fact I 'm not in the system of there 's. As AFNI are no doubt aware, credit reporting laws ensure that   XXXX   XXXX  &  XXXX    only report accurate credit information. No doubt the inclusion of this inaccurate information is a mistake  on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a home, better paying job and car for my family which was highly embarrassing and has negatively impacted my lifestyle.   I 'm sure you 'll agree it needs to be removed as soon as possible.   The following information needs to be verified and deleted from my credit report as soon as possible : CREDITOR AGENCY - AFNI Original Creditor -  XXXX   XXXX   XXXX   XXXX  {$510.00} Please delete the collection above asap possible.      XXXX   XXXX   XXXX   XXXX  Illinois  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ECMC GROUP, INC.
State: SC

Complaint narrative:
I received a letter from my employer today stating that an order for wage garnishments has been processed for a defaulted student loan through ECMC. This was a great surprise because the last time I spoke with a representative from this company was on  XXXX / XXXX / 17  when I made a request to be communicated with in writing/by mail about a resolution for this matter. I have kept a record of letters I have sent and received in an attempt to get this debt validated and to request a payment plan if this debt belongs to  me. ECMC was not willing to work with me, the debt they claim is mine has not been fully validated and they have yet to provide me with a promissory note. I was not given proper notice that this process was even happening, yet   in one to two pay periods they are demanding that my first employer in almost two years garnish 15 % of my wages after only being employed for three months. I was never notified of the issuance of this order and the law requires a thirty day notice from what I read in a letter from my employer. Not only that but I was not given an opportunity to contest the withholdings, nor was I informed of my rights in regards to the wage garnishment process. I was not given a n opportunity to make any arrangements so that this order could be avoided.

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