vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Clarity Services
State: FL

Complaint narrative:
There are XXXX credit inquiries on our credit report dated the same date. XXXX of the inquiries came from short term loan cash provider. The XXXX came from some sort of credit bureau presumably used by the XXXX entity. I have spoken with the short term loan cash provider describing my circumstances. They indicated to me that they have no information on me on file which suggested to them that someone attempted to get a loan using our name and possibly our social security number but were rejected before the official application process. Both inquiries show up on our credit report but they were not related to activity generated by me or by my wife. So, we are nervous that at least one person may have some form of our identity but we are not sure which information or how much information they may have. The date of the inquiries was XXXX XXXX, 2016 and there has not been any further unknown activity since that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Trans Union letters have been sent wrong information and on XXXX accounts wrong lastname some one used the credit cards other than my self I ask Trans Union to sent meproduce document proves my name none the amount of the accounts are worgI have sent them letters its been more than year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My Husband & I Are Disputing An Item On Our Credit Report ... It 's A Judgement That Was Apparently Granted But Neither Of Us Knew About It And Was Never Served. We Request That Item Be Removed From Our Credit Remove. It Was Not Served To Us, We Are Are Unaware Of This, Plus We Are Unaware Of This {$12000.00} Debt.. It Is Fabricated. Please Remove And Contact Us. Thank You Very Much.

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 2017-01-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The following creditors submitted a hard inquiry without my permission writen nor verbal or through a second hand solitiontation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Why is getting TransUnion to investigate something impossible? This is my 4th request sent certifeid. I do n't know why I must spend so many countless hours on this. It feels like they are n't even actaully reading my letters. 

I do not wish to file a lawsuit. 

See attached.

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 2015-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I applied for a loan with XXXX XXXX, was denied credit because my FICO score showed a pending bankruptcy with Trans union. This is incorrect! The bankruptcy is final and discharged on XXXX/XXXX/2008. I called Trans Union XXXX times! I cant understand any of them!!! Tell them to hire Americans, the ones that pay taxes in this country! They deny that it 's pending and the FICO score shows it is pending. I called FICO, they wo n't tell me nothing and tell me I have to contact the Credit Bureaus to change my FICO score. So what do! One denies the credit report and FICO wo n't give me no information! This is not right, If some organization is using a system to judge me, I should have the right to any information used on me!! I do n't know who to contact. I want my credit straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MIDCOUNTRY FINANCIAL CORP
State: IL

Complaint narrative:
I have an installment loan that I have had for about 4 years now. My vehicle is being held as collateral. Heights Finance will call my phone and my place of employment up to XXXX times per day each. Often times due to only one person income I pay within 30 days of due date. My recent ACH payment has been returned after only being processed once in my bank account. XXXX XXXX from the XXXX IL Branch, contacted my place of employment and spoke with one of my co-workers which happens to be one of my employees and advised her of the amount that I was behind and that the check had been returned after the co-worker advised that if it was regarding a debt she should really contact my personal cell phone. She has also left messages threatening a judgement for being 30 days late.

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 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There is a judgement pending from XXXX XXXX on my credit. This is false and needs to be removPlease have lates removed from XX/XX/XXXX-XX/XX/2010 XXXX XXXX account. Account was under bankruptcy at time of reporting.ed. There was a granted judgment reported on my report that is under bankruptcy for 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 non-monetary relief
Consumer complaint received 2015-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, a Collection firm by the name of XXXX XXXX placed an inappropriate Collection Matter on my Experian credit report, for $ XXXXAfter my dispute of this Matter, it was fully removed from reporting at Experian. 
In XX/XX/XXXX/XX/XX/XXXX, the aforementioned inappropriate Collection Matter was reinserted to my Experian credit report, this time, under the name XXXX XXXX XXXX. 
I immediately disputed the inappropriate Matter once again with the Consumer Financial Protection Bureau, as I did on each occasion of this Matter ( see CFPB files # XXXX, XXXX, and XXXX ) By XX/XX/XXXX / XX/XX/XXXX, the inappropriate Collection Matter was again removed. 
As of XX/XX/XXXX, the aforementioned highly inappropriate information has again been reinserted to my Experian credit files, for the XXXX time. 
This time, it is listed under the name of XXXX, XXXX. The amount of {$540.00} is still unchanged. 
Once again, this alleged creditor chooses to continually misrepresent this Matter to a national credit bureau. 
Further, the alleged creditor and each collection agency chooses to " re-age '' this alleged account with each new round of misrepresentation. 
When it was first reported in XX/XX/XXXX, it was reported as having originated in XX/XX/XXXX. 
When it was inappropriately re-reported in XX/XX/XXXX, it was reported as having originated in XX/XX/XXXX / XX/XX/XXXX. 
And, in this latest round of highly inappropriate credit reporting, it is now reported to have originated in XXXX 2015. 
The alleged credit incident that originally occurred in XX/XX/XXXX, has now been " re-aged '' to XX/XX/XXXX, a blatant misrepresentation of sixteen months time. 
I ask that this highly inappropriate and repeated misrepresentation of factual credit data be once again removed from my Experian credit report. 
Further, if there is a way to stop this repeated cycle of blatant misrepresentation to the credit bureau, I would like to take action on that, as well. 
As always, thank you for your continued assistance in this Matter. 
Should you have any questions, or require additional documentation, please do not hesitate to contact me at your earliest convenience. 

Sincerely / XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Because I filed bankruptcy and included the derogatory items are already in with the bankruptcy they are shown twice in different areas and should be removed

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 2017-01-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My account was hacked XX/XX/XXXX. I called all the credit reporting agencies to put a freeze on my account. I found a credit inquiry by XXXX was made on XX/XX/2016. I called and was promised the inquiry would b removed within 20 days. Well now it 's almost two months and the inquiry still show up. I would like it removed asap. 
Thanks,

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 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX its in collections when i paid off the phone i was not under no contract but there charging me on that back in 2012. XXXX its also in collections i paid them for 12 months after that in XX/XX/XXXX i cancelled it after the 13 month.there both in collections i try speaking to them when they call all they do is harass me saying they need there money!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
ATTN : CFPB THIS IS NOT A DUPLICATE COMPLAINT, I AM SIMPLY RESPONDING BACK TO TRANSUNION IN REGARDS TO MY DISPUTES. PLEASE FORWARD THIS COMPLAINT TO THEM ON MY BEHALF. THANK YOU. 

I am very distressed that Transunion has included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only 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, which was highly embarrassing and has negatively impacted my lifestyle. 

AS YOU TRANSUNION ARE ALSO IN FACT NO DOUBT AWARE THAT YOU ARE KNOWLY IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT, BY CONTINUING TO REPORT THESE ALLEGED ACCOUNTS INFORMATION AS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF THAT THEY ARE. THIS IS A CLEAR CASE OF INVALIDATE DEBT HERE AND I AM NOW DEMANDING THAT TRANSUNION PROVIDED ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH THESE ALLEGED CREDITOR 'S HAVE PROVIDED TO YOU ON MY BEHALF THAT WOULD SHOW THAT THESE ALLEGED INVALIDATE, INACCURATE, DISPUTED ACCOUNTS INFORMATION IS ACCURATE! AS I WOULD PERFER NOT TO LITIGATE I WILL FILE MY LAWSUIT AGAINST TRANSUNION FOR KNOWLY AND DIRECTLY VIOLATING THE LAWS. 

THE FOLLOWING INVALIDATE INFORMATION SHOULD NOT BE BEING ILLEGALLY DISPLAYED ON MY TRANSUNION CREDIT REPORT! I HAVE REQUEST THAT THESE ALLEGED CREDITOR 'S VALIDATE THESE ALLEGED ACCOUNTS INFORMATION WITH ME! AND THEY HAVE LEGALLY FAILED TO VALIDATE THESE ACCOUNTS INFORMATION WITH ME IN THE TIME FRAME ALLOWED TO THEM BY LAW! AS THEY ARE ALSO IN FACT NO DOUBT AWARE THAT THEY ARE ALSO IN DIRECT VIOLATION OF THE LAWS BY CONTINUING TO REPORT THESE ACCOUNTS AS ACCUARTE WHEN IN FACT THEY HAVE PROVIDED NO PROOF! 

THE FOLLOWING INVALIDATE ACCOUNTS SHOULD NO LONGER BE ASSOCIATED WITH MY TRANSUNION CREDIT REPORT : XXXX XXXX XXXX # XXXX XXXX # XXXX I HAVE DISPUTED THESE ALLEGED ACCOUNTS, WITH TRANSUNION AND YOU ARE VIOLATING THE LAWS BE CONTINUING TO REPORT THESE INVALIDATED ACCOUNTS ON MY PERSONAL CREDIT REPORT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion refuses to correct or to add the following comments to my credit 
report on an inaccurate item that is being reported by XXXX.
"XXXX Services acquired a XXXX mortgage loan position in XX/XX/XXXX from XXXX.  No payments were made on the XXXX or XXXX mortgage loan on this property (XXXX) to any lender after XX/XX/XXXX. The loan balance on this loan was zero as of XX/XX/XXXX and, as such, there is no actual payment history with XXXX in XXXX or XX/XX/XXXX, all mortgage loan obligations in Arizona are discharged at time of foreclosure and court issuance of Notice of Trustee Sale." There was no loan balance to be acquired nor was there any balance on the loan for XXXX to transfer to XXXX.
XXXX and XXXX removed this item from their credit report as a result of documentation provided to all XXXX credit agencies. Transunion refuses to respond and and also refuses to add my comments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
To clarify the debit card that I XXXX process for the month of XXXX was not obtained on XXXX XXXX, 2015. I XXXX received XXXX loans in the amount of {$350.00} from XXXX XXXX in the month of XXXX 2015. The dates of the month of XXXX are the XXXX 2015 and XXXX of 2015. And both of these loans in the amount of {$350.00} was settled in the amount of {$400.00} on the XXXX and XXXX of the month of XXXX. I have not received a loan on XXXX XXXX. I have faxed Ad Astra Recovery a copy of my bank statements to vertify. What i am writing to you hoping tha this will clear all this up this time. Even for the month of XXXX I have not received a loan the XXXX of XXXX it was the XXXX of XXXX 2015. I stated " here are patterns of my bank statements the way I was paying my loans. '' Paying all them the sameday not days after. My bank statements can contest to that so what more proof i need. That 's all i have to show is my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi. I wanted to know how to file a complaint about credit inquiries on my Transunion account that. They were removed and then put back on without any notice. From my knowledge, I should have been aware of such circumstances and would like them to be removed again like they were supposed to be. I tried contacting Transunion about this dispute but did not receive any assistance. I would just like all the inquiries removed from my account. 

Please find the inquiries at the bottom of the official credit report uploaded.

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 2015-06-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I have a vehicle that was financed through Nuvell/Ally Financial in XXXX. It was paid off in XXXX. I am trying to get a replacement title because I never received XXXX. The XXXX informed me that there is still a lien on my car and that I need a lien release letter from Ally to get a new title. I have been calling since XXXX ( it is now XXXX/XXXX/XXXX ). They say they have faxed and mailed this letter to me, but I have yet to receive anything. I have spoken to CSR 's and supervisors, with nothing helping.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am a victim of identity theft and I have an unauthorized and fraudulent account and inquiries listed on my Experian credit report. The following account and inquiries are unauthorized and fraudulent : 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 non-monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
All information on all of the reports from Experian, XXXX, and XXXX Credit Reporting Agencies are based on unconscionable contracts based in Non-Disclosure and Deception by the alleged Creditor. All alleged creditors who entered negative reports to the credit reporting agencies did it without my agreement or consent of my freewill. Which bases those claims in deception and concealment in an attempt to defraud the Living. Alleged creditors have no valid verified Proof of Claim and I rest assured can NOT produce a verified proof of claim. Therefore all negative reports must be removed within 3 banking days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am trying to apply for financing for a home and there are items listed that do not belong to me. I have a feeling Experian has merged my credit file with someone else. There is an inaccurate social listed XXXX which is NOT mine and a name I have never used XXXX XXXX. I do not have or ever had a XXXX XXXX account # XXXX or a XXXX # XXXX showing or a XXXX credit card for {$250.00} # XXXX on my credit file. This situation needs to be resolved ASAP. I also have submitted a dispute by mail.

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 2016-09-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
i have fraud alerts on my file that i did not request. this has caused me to be denied for a credit card. I did not request this alert, i have never requested a fraud alert. I need this alert to be immediately, i have never requested a fraud alert and i am not a victim of fraud

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 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have no accounts showing that I have ANY accounts listed on my credit file as a bankruptcy. The XXXX bankruptcy accounts on my credit file is n't me. I 've been asking how was this information verified? They can never give me a answer, it 's not verified through the courts because I had written them a letter, and they do n't report to the credit agencies. I want to know what 3rd party information source do they use? I have a right to know because this information is very inaccurate. XXXX has made the necessary changes.

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 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Experian credit report, which I have no knowledge of. Specifically, the item is for a collection agency ( XXXX XXXX XXXX ), a collection for XXXX. I do not recall having any open account with XXXX at the time and, in fact, I was studying outside of the country during that year and the previous year. Further, I have never received a bill for this and the account is marked as " Paid '' on the credit report. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Experian report showing the derogatory item. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2015-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent activity is reporting on my credit report from Experian, listing a joint account for an automobile from XXXX XXXX. This was part of identity theft I was victim of, and after exhausting all options, Expieran still reports this account on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation