vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 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: Experian Information Solutions Inc.
State: AE

Complaint narrative:
I recently applied for a XXXX XXXX XXXX, XXXX World Mastercard card. I was denied the card based on outdated information used by XXXX XXXX XXXX. My current credit history shows no judgements, they are basing the denial on outdated accounts, an information that has been deleted from my credit report.                  My current credit scores with the major 3 reporting agencies shows my scores are all over 800. I currently earn an income of over $XXXX  dollars.  I feel this in violation of the Federal laws, also I have been a customer of XXXX XXXX XXXX since XXXX. I am a retired military veteran (XXXX).                  I feel this is a discrimination, based on my age, and ethnicity, the wording of the rejection insults my intelligence and shatters my belief in the american dream, that if you work hard, acknowledge your mistakes you can achieve your financial dreams in America. I would not have filed this complaint if my credit scores and my savings were not good. But to deny me this credit card based on old information and not my current credit score is just wrong. I am hoping your office can get XXXX XXXX XXXX to recant this decision or explain their interpitation of federal law. I am attaching a copy of the rejection letter for your review.Very sincerelyXXXX 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 2019-08-21 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:
I have disputed the student loan account with Experian for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete this ASAP, this is very disappointing and is affecting my credibility for loan applications.DEPTEDXXXX XXXXDEPTEDXXXX XXXXDEPTEDXXXX XXXXDEPTEDXXXX XXXXDEPTEDXXXX 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 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed the student loan account with Equifax for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete this ASAP, this is very disappointing and is affecting my credibility for loan applications. DEPTEDXXXX XXXX; DEPTEDXXXX XXXX DEPTEDXXXX XXXX; DEPTEDXXXX XXXX; DEPTEDXXXX XXXX;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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:
I have disputed the student loan account with Transunion for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete this ASAP, this is very disappointing and is affecting my credibility for loan applications. DEPTEDXXXX XXXX; DEPTEDXXXX   XXXX DEPTEDXXXX XXXX; DEPTEDXXXX   XXXX; DEPTEDXXXX 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 2019-08-21 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 am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Equifax  where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE delete XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX , XXXX XXXX, US DEPT OF EDUCATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: LA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXXXXXX XXXX XXXX  (Original Creditor: XXXX XXXX CENTER)XXXX(Original Creditor: ) XXXX(Original Creditor: ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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 am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked XXXX where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE delete DEPT OF ED/XXXX, XXXX/DEPT OF EDUCATION,

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 2019-08-21 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: LA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX;XXXX XXXX  (Original Creditor: 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
Consumer complaint received 2019-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following inquiries made by these companies were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , 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
Consumer complaint received 2019-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX;XXXX;XXXX XXXX;XXXX XXXX;XXXX XXXX XXXX;XXXX XXXX;XXXX;XXXX;XXXX XXXX;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
Consumer complaint received 2019-08-21 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: TX

Complaint narrative:
The following inquiries made by these companies were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: FL

Complaint narrative:
I have incorrect information on my credit file as a result of identity theft:|XXXX||COLLECTIONS- XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX - $XXXX|EQUIFAX|INQUIRIES- XXXX XXXX - XX/XX/XXXX|COLLECTIONS- XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $XXXX- XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $XXXX- XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX - $XXXX||XXXX|COLLECTIONS- XXXX XXXX XXXX XXXX - XXXX - $XXXX - XX/XX/XXXX- XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX - $XXXX|- XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $XXXX- XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX - $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: RFNA, LP
State: SC

Complaint narrative:
I spoke with manger XXXX, AND HE HAS BEEN WORKING WITH ME SINCE I WAS FIRED FROM MY LAST JOB AT XXXX XXXX XXXX XXXX; I WENT TO XXXX office explained to the XXXX manger XXXX, that i got hurt on the job, XXXX XXXX XXXX XXXX XXXX XXXX while i was under a running XXXX XXXX machine, i reported my accident and was fired by the director while I was still under XXXX XXXX, WHICH I AM STILL UNDER XXXX XXXX PRESENTLY XX/XX/2019, MY PROBLEM IS THEIR N.C OFFICE CALLS AND CONSTANTLY HARASSES ME AFTER I TRY AND TELL THEM I HAVE SPOKE WITH XXXX. I AM NOT ONLY TRYING TO GET A BANK LOAN TO PAY OUT MY DEBTS BUT CAN NOT BECAUSE THEY KEEP REPORTING WHEN I AM TRYING TO PAY BEST I CAN WITH NO JOB!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: MA

Complaint narrative:
I have sent Experian two dispute letters and this is my third complaint against this company about an inquiry that is on my credit report, the inquiry in question is XXXX XXXX XXXX XXXX XXXX and the inquiry date is XX/XX/2018. I asked experian to provide me with the original documentation bearing my signature and they keep refusing by telling me that they don’t have to. I contacted the data furnisher that is reporting this inquiry on my credit report and I asked them a few questions, the first question was, how did this inquiry ended up on my credit report and the manager at this business told me that I went there and they ran my credit, the next question I asked them was, is my signature anywhere in any documentation or in any type of application because I know that if I applied in person an application bearing my signature must still be kept in their files and I was told that they do not have my signature anywhere, my last question to them was if they had received any request from Experian asking them to verify the inquiry in question and I was told no, that they have never received anything from Experian. Experian keeps telling me that the data furnisher verified this information twice and that is completely false, this is my last attempt to get this inquiry removed from my credit report, if Experian wants to keep breaking the law and they want to keep ignoring what the FCRA says about permisible purpose being need it in order to do a hard pull on my credit then I will not hesitate to file suit against them in small claims court for defamation of character and I will be seeking $XXXX dollars per every violation that Experian is doing on my credit report. EXPERIAN’s own website says that creditors need permisible purpose from me as the consumer in order to do a hard pull on my credit and that is what I want experian to provide me with, if they can’t provide me with this information then I want this inquiry deleted immediately. Credit reporting agencies and creditors must obey and go by the FCRA rules and Experian is doing the contrary by lying to me and telling me that this inquiry has been verified. I want to see the application where I signed and gave authorization to this business to do a hard pull on my credit, if an application is not available then I want the inquiry deleted 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 2019-08-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX;XXXXXXXX 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;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
Consumer complaint received 2019-08-21 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: Navient Solutions, LLC.
State: SC

Complaint narrative:
I tried to contact Navient by mail (XX/XX/2019) to verify the information they are reporting to the Credit Bureau several times. They finally sent me a copy of a Promissory Note on (XX/XX/2019). The above date is not the first time I have asked them to verify they information, no response. The information is past 7 years old and they do not hold the account anymore. The loans are consolidated with XXXX XXXX. Navient has reported than I was late on some accounts and not late on others. Basically ALL the information they reporting is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: LA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap: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 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;XXXX;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: NY

Complaint narrative:
On XX/XX/2019 my equifax credit report dropped 87 points to XXXX   for no reason at all. It appears to be a clerical error. Whoever made this error should be disciplined or fired. There has been a brreach with my security with equifax and i will attache my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: SC

Complaint narrative:
I have been back and forth with Equifax attempting to recover from identity theft. several items were notated to all 3 bureaus but Equifax refuses to accept my identity theft report and formal disputes of those said items. I have written them 4 time since XX/XX/2019 but they continue to violate the FCRA section 609, 611, 616, and 617. They never furnished me the information needed to conclude that those account are being reported legally. I have attached my initial request to Equifax as proof they received the dispute. I'm now prepared to forward all 4 disputes as a record of the willful non compliance of this bureau. their inaccurate reporting of this unverifiable information has and still continues to cause me damages and emotional frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Me and my wife flied for Chapter XXXX Bankruptcy and we where Discharged recently. I send a copy of the US Federal Bankruptcy documents and copies of our drivers license to Experian asking them to update our credit files and also send us a copy of our update credit files, they refuse to send them. We have received our copies from XXXX with out problem, but Experian is playing a run around game, I am asking your agncy to investigate this and have Experian do what we asked in the letter submitted to them in July 2019. My wifes last 4 of her social is XXXX  her date of birth is XX/XX/XXXX her name is below and included in this complaint. Thank YouXXXX XXXXandXXXX 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 2019-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I spoke with manger XXXX, AND HE HAS BEEN WORKING WITH ME SINCE I WAS FIRED FROM MY LAST JOB AT XXXX XXXX XXXX XXXX; I WENT TO XXXX office explained to the XXXX manger XXXX, that i got hurt on the job, XXXX XXXX XXXX XXXX XXXX XXXX  while i was under a running XXXX XXXX machine, i reported my accident and was fired by the director while I was still under XXXX XXXX, WHICH I AM STILL UNDER XXXX XXXX PRESENTLY XX/XX/2019, MY PROBLEM IS THEIR N.C OFFICE CALLS AND CONSTANTLY HARASSES ME AFTER I TRY AND TELL THEM I HAVE SPOKE WITH XXXX. I AM NOT ONLY TRYING TO GET A BANK LOAN TO PAY OUT MY DEBTS BUT CAN NOT BECAUSE THEY KEEP REPORTING WHEN I AM TRYING TO PAY BEST I CAN WITH NO JOB!!!!!!!!!!!!

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 2019-08-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I spoke with manger XXXX, AND HE HAS BEEN WORKING WITH ME SINCE I WAS FIRED FROM MY LAST JOB AT THE CITY OF XXXX I WENT TO XXXX office explained to the XXXX manger XXXX, that i got hurt on the job, XXXX XXXX XXXX XXXX XXXX XXXX while i was under a running XXXX XXXX machine, i reported my accident and was fired by the director while I was still under XXXX XXXX, WHICH I AM STILL UNDER XXXX XXXX PRESENTLY XX/XX/XXXX, MY PROBLEM IS THEIR N.C OFFICE CALLS AND CONSTANTLY HARASSES ME AFTER I TRY AND TELL THEM I HAVE SPOKE WITH XXXX. I AM NOT ONLY TRYING TO GET A BANK LOAN TO PAY OUT MY DEBTS BUT CAN NOT BECAUSE THEY KEEP REPORTING WHEN I AM TRYING TO PAY BEST I CAN WITH NO JOB!!!!!!!!!!!!

Company response to consumer: Closed with explanation