vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-30 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: FL

Complaint narrative:
Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ACCT # XXXX I demand the following accounts be verified or removed immediately.

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 2019-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. I want to dispute account number # XXXX its 8 years old.please remove this closed account its passed 7 years on my credit report. It is paid closed and pass 8 years on my credit score. Also another account is incorrect information capital one bank usa # XXXX was closed and paid 5 years ago. These accounts are also on XXXX which also hasn't removed these accounts. XXXX had an account that was 10 years old as well. From capital one bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: CA

Complaint narrative:
My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. I want to dispute account number # XXXX its 8 years old.please remove this closed account its passed 7 years on my  credit report. It is paid closed and pass 8 years on my credit score. Also another account is incorrect information XXXX XXXX XXXX  usa # XXXX was closed and paid 5 years ago. These accounts are also on Equifax which also hasn't removed these accounts. Equifax had an account that was 10 years old as well. From XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/XXXX I contacted Discover to remove me as a cosigner and was given false information and false hope by rep XXXX and supervisor / manager XXXX. They told me I can be released as a cosigner if payments are made consecutively 48 times. How ever when I asked for more information I was told that this process is more detailed than it sounds. XXXX went on to say that a cosigner can only be removed it the student has good credit by qualifying as if the loan was a credit card application. This loan was originally a XXXX XXXX loan and was bought by Discover who is using there policy to make it seem as if I agreed to there terms when I never did. I want to see the original loan paperwork from XXXX XXXX to see what the policy was back then. Discover is holding me hostige to this loan and I should be released as reqested. Discover is treating this loan like a credit card and using the same method with a student loan that wasn't there to start with. I never agreed to any of there terms nor did I sign anything. No one should be forced to stay on as a cosigner especially since most companies are allowing parents to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have many complaints about how I was mislead by XXXX and how naive I was when I attended college over a decade ago. Between Sallie Mae, XXXX, and Navient I somehow ended up with XXXX in debt for an XXXX XXXX in XXXX XXXX which I can't even use because no one will hire me with an online degree. I am currently in the process of the borrowers defense review however, Navient has refused to allow me to consolidate my loans and has reported over 20 loans which I am confused about why there was ever more than one lender. I haven't been able to do anything in life get a home or car, nothing. Its been XXXX, I've even recently had to start claiming exempt on my W2 just to bring home enough money to eat. I've never been able to catch up on medical bills or anything else and have always worked full time. I've XXXX  my XXXX  and had XXXX from simply working too much. Right now the Dept of education has deferred my loans until 2022 or something while they review and yet, Navient hasn't stopped negatively reporting to credit agencies and I can't get even a credit card. All of my debt is from going to college and having kids. I wasn't irresponsible and I didn't max out credit cards. I'm so tired of struggling. Please help, I've been waiting a year for my borrowers defense decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have many complaints about how I was mislead by XXXX and how naive I was when I attended college over a decade ago. Between XXXX XXXX, XXXX, and XXXX I somehow ended up with XXXX in debt for an XXXX XXXX in XXXX  Studies which I can't even use because no one will hire me with an online degree. I am currently in the process of the borrowers defense review however, XXXX has refused to allow me to consolidate my loans and has reported over XXXX loans which I am confused about why there was ever more than XXXX lender. I haven't been able to do anything in life get a home or car, nothing. Its been XXXX, I've even recently had to start claiming XXXX   on my XXXX just to bring home enough money to eat. I've never been able to catch up on medical bills or anything else and have always worked full time. I've XXXX  my XXXX and had XXXX from simply working too much. Right now the Dept of education has deferred my loans until XXXX or something while they review and yet, XXXX hasn't stopped negatively reporting to credit agencies and I can't get even a credit card. All of my debt is from going to college and having kids. I wasn't irresponsible and I didn't max out credit cards. I'm so tired of struggling. Please help, I've been waiting a year for my borrowers defense decision.

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 2019-06-30 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: AZ

Complaint narrative:
On XX/XX/XXXX, I received a copy of my credit report # XXXX for XX/XX/XXXX and there are over 70 inquiries on my credit report run by Experian and its subsidiaries beginning early XXXX thru today severely negatively impacting my credit score. 

None of these inquiries were authorized by me : 8+ inquiries XX/XX/XXXX, 15+ in XX/XX/XXXX, 8+ in XX/XX/XXXX, 3+ in XX/XX/XXXX, 3+ in XX/XX/XXXX, 6+ in XX/XX/XXXX, 7+ in XX/XX/XXXX and more. 

All of these inquiries need to be removed immediately. Thank you.

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 2019-06-30 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: TX

Complaint narrative:
I recently had incorrect information removed from all three of my credit reports in XXXX of this year. XXXX, Equifax, and XXXX  all removed a debt that was NOT mine from my reports. XXXX XXXX XXXX was reporting a debt from XXXX that was NOT mine. I have NEVER lived in a XXXX area and I've never had their services. Some woman with my name lives in XXXX ( a XXXX area ), and I assume it is hers ... as Equifax falsely has the XXXX address as one of my former addresses ( added this month -- even though I have lived in my house for 5 years ). Now, the debt was sold to XXXX XXXX XXXX and it has landed BACK on all three of MY credit reports. Equifax never lets me into my online account -- EVER. So, I can not dispute online. I filed another dispute with XXXX  today. XXXX 's site is down. I can not fight this every time it is sold. XXXX XXXX was told they couldn't collect ( as it ISN'T MINE ), so they SOLD it to XXXX  and they've added it FALSELY to ALL of my reports again -- just 4 months after I had this resolved. I have NEVER had an account in collections -- EVER and it is ruining my credit score. Some woman in XXXX didn't pay her cable bill and I'm being punished for it. I want this debt removed for good from ALL three repositories.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 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: GA

Complaint narrative:
What in the world is happening here that my concern was not attended by Equifax and XXXX!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: FL

Complaint narrative:
XX/XX/XXXX. I asked The work number to blocked all my employment information due to security breach. Which I received information about my personal information being exposed to the public. I'm a victim of identity theft and XXXX XXXX. I want my information blocked. 


XX/XX/XXXX. I wanted to see if my information was block. The man told me he couldn't see nothing. I asked him for a full report. He stated he couldn't help and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: TX

Complaint narrative:
I recently had incorrect information removed from all three of my credit reports in XXXX of this year. XXXX, XXXX, and Transunion all removed a debt that was NOT mine from my reports. XXXX XXXX XXXX was reporting a debt from XXXX that was NOT mine. I have NEVER lived in a XXXX area and I've never had their services. Some woman with my name lives in XXXX ( a XXXX area ), and I assume it is hers ... as XXXX falsely has the XXXX  address as one of my former addresses ( added this month -- even though I have lived in my house for 5 years ). Now, the debt was sold to XXXX XXXX XXXX and it has landed BACK on all three of MY credit reports. XXXX   never lets me into my online account -- EVER. So, I can not dispute online. I filed another dispute with XXXX  today. Transunion 's site is down. I can not fight this every time it is sold. XXXX XXXX was told they couldn't collect ( as it ISN'T MINE ), so they SOLD it to XXXX and they've added it FALSELY to ALL of my reports again -- just 4 months after I had this resolved. I have NEVER had an account in collections -- EVER and it is ruining my credit score. Some woman in XXXX didn't pay her cable bill and I'm being punished for it. I want this debt removed for good from ALL three repositories.

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 2019-06-30 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: TX

Complaint narrative:
I recently had incorrect information removed from all three of my credit reports in XXXX of this year. Experian, XXXX, and XXXX all removed a debt that was NOT mine from my reports. XXXX XXXX XXXX was reporting a debt from XXXX that was NOT mine. I have NEVER lived in a XXXX area and I've never had their services. Some woman with my name lives in Houston ( a XXXX area ), and I assume it is hers ... as XXXX  falsely has the Houston address as one of my former addresses ( added this month -- even though I have lived in my house for 5 years ). Now, the debt was sold to XXXX XXXX XXXX and it has landed BACK on all three of MY credit reports. XXXX  never lets me into my online account -- EVER. So, I can not dispute online. I filed another dispute with Experian today. XXXX 's site is down. I can not fight this every time it is sold. XXXX XXXX was told they couldn't collect ( as it ISN'T MINE ), so they SOLD it to XXXX  and they've added it FALSELY to ALL of my reports again -- just 4 months after I had this resolved. I have NEVER had an account in collections -- EVER and it is ruining my credit score. Some woman in Houston didn't pay her cable bill and I'm being punished for it. I want this debt removed for good from ALL three repositories.

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 2019-06-30 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:
What in the world is happening here that my concern was not attended by XXXX and Transunion!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED 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 2019-06-30 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: GA

Complaint narrative:
Please reverse the late payments which Transunion report on XXXX  XXXX XXXX, XXXX XXXX. I was not late paying the account. This is current. I disputed the accounts and ask for evidence of such late payment but all they gave me was a computer generated print out which is unacceptable by the FTC. An itemized printout does not represent verification..Remove this error 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 2019-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
I was under the understanding that medical bills weren't supposed to go against credit I am on a limited income and told keybridge i couldn't pay amount they said needed. They act like it was my problem nothing else they would do about multiple accounts and a different amount acceptable to them

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 2019-06-30 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: GA

Complaint narrative:
Please reverse the late payments which Experian credit report on XXXX XXXX, XXXX XXXX XXXX. I was not late paying the account. This is current. I disputed the accounts and ask for evidence of such late payment but all they gave me was a computer generated print out which is unacceptable by the FTC. An itemized printout does not represent verification..Remove this error 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 2019-06-30 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: NY

Complaint narrative:
I found these accounts on my profile 1. XXXX XXXX XXXX - {$5700.00} on XX/XX/XXXX 2. XXXX XXXX - {$460.00} on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  {$1100.00} on XX/XX/XXXX 4.  XXXX XXXX  - {$4100.00} on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: NY

Complaint narrative:
I found these accounts on my profile 1. XXXX XXXX XXXX - {$5700.00} on XX/XX/XXXX 2. XXXX XXXX - {$460.00} on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX {$1100.00} on XX/XX/XXXX 4. XXXX/XXXX XXXX - {$4100.00} on XX/XX/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 2019-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Attached is my id, please remove any and all names and addresses on my credit files inwhich do not match my attached id

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 2019-06-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Attached is my id, please remove any and all names and addresses on my credit files inwhich do not match my attached id

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 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: VA

Complaint narrative:
Please remove any and all fraud alerts. personal statements and remarks from my credit files immediately

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 2019-06-30 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: VA

Complaint narrative:
Please remove any and all fraud alerts. personal statements and remarks from my credit files immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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:
What in the world is happening here that my concern was not attended by Transunion!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX XXXX , 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