vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a follow up from a previous complaint to insure proper, final resolution. 
Please find enclosed documentation from XXXX XXXX XXXX regarding a long disputed account I 've had with them. This account has been misreported in recent years by them and subsequently the credit bureaus, which has harmed my ability to obtain credit. 
I 'd like to address two issues that should be updated and corrected per the information contained in the XXXX letter. Due to my multiple disputes throughout this year, it appears the account has been repeatedly updated to reflect it as charged off but appearing to be something that is newly reported when in fact it was charged off in XXXX of 2012. There should be no other charge off information noted to the account other than 2012. Additionally, the letter clarifies that there is no balance owed ( this has long been reported with a balance of {$21000.00} ). 
It would appear that because of these continual challenges and " updating '' that the account event status was reported as recent and not when originally occurred ( 2012 ). It would appear that this has had a direct impact on my reduced XXXX scores since I have no other recent derog credit, my current account balances have been dropping and all of my payments have been made on time. Please research this as well and make any account updates necessary to restore the accuracy of when events with this account took place ( charged off in 2012 and not recently as well as {$0.00} balance owed ). 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 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My name has never been XXXX XXXX and there are addresses that are not mine

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 2016-12-28 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I set up a new bank account with Ally Bank on XX/XX/2016. On XX/XX/XXXX, they authorized my old bank account at XXXX to transfer all of my funds into my new account with Ally, and did so. On XX/XX/XXXX, I tried to log in and access my new account and was told that my account was locked, and that I should contact the fraud department. 

After calling Ally 's fraud department, I was told that my account would remain locked until I provided them with three more pieces of identification, including a Utility Bill with my name and current address, the front and back of my driver 's license, and the front and back of my Social Security card. I was not given a specific reason for this request, but was instead informed that this was a routine part of the process of setting up a new account. At no point during the process of setting up the account or transferring my life savings into it was I informed that this information would be required. 

I informed them that I do not currently have a copy of my Social Security card, and asked them what else they could do. They said that was necessary to set up my account, so I asked them to cancel it, at which point they asked me to just send the pictures of the utility bill and driver 's license, which I did later that day. 

It has now been a week and I still have not heard anything from Ally Bank, and my account is still locked, preventing me from accessing any of my money. I have called them twice, today and yesterday, and still have received no further information on why my account was locked, or what I can do to remedy the situation.

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 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They took off the collection account because they discovered it was n't mine and now XXXX of them are added on of the same thing that was disputed and removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Have disputed account from XXXX XXXX XXXX to Transunion many times. Account is too old to be on file yet they refuse to remove this item. XXXX had complied and removed it with no problem.

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 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.

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 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
countiue to report fraud accounts disputed with creditor back in XXXX thru XXXX from XXXX # XXXX {$4500.00} and Civil judgement XXXX {$4500.00} from XXXX XXXX # XXXX this was result of fraud neglected by XXXX to resolve and these needs to removed from credit file

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 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
They have my spouse name listed as XXXX, this is not correct. Also iam listed as living @ XXXX XXXX co. XXXX. Also incorrect. Also XXXX addresses with similar address, XXXX. co. XXXX this address is correct, the other XXXX similar addreses are not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I reported the unethical manner in which a law firm/collection agency obtained a judgment for their client. The reference number for this case is XXXX, ( still under investigation as of today 's date ) within this complaint I detailed how this process will greatly harm me and my family. Well just like I proposed in my complaint -- the three reporting credit agency included this information on my credit reports as of XX/XX/XXXX, my credit score has decreased 35 points. I am requesting again that this agency intervened in this process, upon reviewing my previous submitted complaint you will find that I reference my concerns as it pertains to my credit report and how this information will affect my credit score.

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 2015-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Credit reporting. I filed 30 complaints on this stuff and here is shows up again. Serious Delinquency, past due and other negative information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX 2015 I notified the credit bureaus that I was a victim of ID Theft and sent in police report, utility bill ( as proof of address ), ID Theft Affidavit, social security card and drivers license and requested the freeze. I sent certified to Experian and they signed for it on XXXX XXXX. I did not get a response. I resent all the documents on XXXX XXXX, 2015, and they signed for it on XXXX XXXX 2015. I still never received a response.

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 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I WAS TRYING TO GET MY REPORTS AND BY MISTAKE I LOST THE PAGE. NOW I DONT HAVE MY REPORT AND IT SHOWS AS I ALREDI PULL IT.

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 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I do n't owe any money to XXXX for XXXX {$.00} this information is not accrete please take this out from my Credit Score ASAP Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have several account that are reporting on my credit file incorrectly. 
1 XXXX XXXX have me listed as late never late 2 XXXX fraud account not mine 3 XXXX XXXX fraud not mine 4 XXXX XXXX fraud not mine 5 bankrupcy not mine must be mixed file

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 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible.

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 2015-10-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I called the XXXX number ( XXXX ) and ordered all XXXX reports on XXXX XXXX, 2015, and when I did not received the reports within the 15 day time frame, I reordered all XXXX reports again on XXXX XXXX, 2015. To date, I still have not received my free annual credit reports. As a result, I called each of the individual credit bureaus ' automated telephone lines in an effort to order my reports from each bureau individually. The credit bureaus ' automated systems denied me my free annual report. Further, I placed a fraud alert on my files with all XXXX when I did not receive the credit reports within the promised time frames. I understand that I am eligible for free credit reports as a result of my placing fraud alerts on my credit reports as well. I was denied the free reports as a result of the fraud alert being placed on my files as well. All of the bureaus attempted to charge me for the reports -- even though I still have not received my free anuual or the free report as a result of the fraud alerts. Needless to say, I am very concerned as to who has the reports and the fact that I have not been able to check to see if it is being viewed illegally or for other purposes. I contacted all XXXX bureaus again, and I received confirmation numbers ( after personally talking with a representative and trying repeatedly to get my free reports ), I was given confirmation numbers and a promise that the reports would be mailed out to my address. I will provide an update as to the status after the time frame to which I am supposed to receive them has expired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14 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:
I received a notification through a credit monitoring system that a collections account was posted in my credit report. I found the information of the agency and after I called them they realized that the collections account belongs to my dad, and it 's related to a medical service that my younger brother received, at least that 's what they said. At first they refereed to my brother as my " son '' which is another obvious information mismatch and I clarified to them that I 'm single and I do n't have any kids. My dad and I almost have the same name, and we used to live in the same place but my birthday and SSN is obviously different. They told me to open a dispute with experian so when the collection agency receives a letter the will remove the account from my credit report. I tried to submit the dispute online with experian but the website told me to call them personally when this specific kind of issue ( mixed information ) happens. When I received the results of the dispute they stated that the collections account will remain in my credit because it belongs to me ( even though that the collection agency verified that it belongs to my dad when I called them ), so I went ahead and called again to open a second dispute but the result was the same. I do n't understand how my Dad 's and my credit report can get mixed up if with have different birthdays, and SSN. I do n't have any other credit history before 2014 because I was n't even in the country by that time. If you check all my other accounts are in good standing, and I have no problem to pay such a small amount, but the collection account is simply not mine. I provided my ID so you can verify that my information ( SSN, Birthday and second last name ) does n't match with the information that the collection agency has on record. I also provided experian with documents but I do n't know if they even used them. I also attached the report number and disputed item

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 2016-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Re : XXXX XXXX XXXX - Case # XXXX This has been paid and fully satisfied on XXXX XXXX, 2014 and recorded at XXXX County on XXXX XXXX, 2014. Please update my account as this is impacting negatively on my 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 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This Agency has continued to report inaccurate information on my report even though they know its not accurate.I have complained to them reapeatly but nothing has been done.

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 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have mixed files on my credit report. 
1 ) XXXX 2 ) Bankruptcy 3 ) 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 2016-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX reported wrong information to XXXX. They reported XXXX wrong addresses, wrong criminal history, and they counted XXXX of our closed/paid off monthly financial details ( {$460.00} ) towards our current monthly payments.

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 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was away on duty and my account was on hold and XXXX still put it late after my mortgage was being paid on time. I could n't contact them until I got back. Since then I lost my military priveledges because of my credit and not paying bills. The credit bureau have wrongfully reported me 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 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed with the credit bureaus and XXXX several times because they are showing on my credit report as debt transferred or sold. I also received something in the mail stating that XXXX no longer has the loan and I do n't understand how the credit bureaus and XXXX are reporting and updating my credit report showing late payments when they no longer own the debt any longer.

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 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX an auto pay was set up for equity line with XXXX through our XXXX personal account but amount was set up wrong only because our first statement reflected partial month. Our payments were made on the same day of each month in the sum of {$400.00} instead of the {$680.00} which was the correct amount. We have another mortgage with XXXX for which we have been making an extra payment of {$2000.00} per month for the past two years to reduce principal. Lender never notified us about the shortage in payment via phone, text or email -although this information was provided to them ( myself, my husband or my office ) nor did they ever send a late payment letter in the mail until XX/XX/XXXX. LENDER FAILED TO NOTIFY US-I XX/XX/2015 we sent them a verification letter that we requested validation of the late payment. They never responded. This is direct violation of the FCRA and the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( b ) At this time I will also inform you that XXXX have reported invalidated information to all of the XXXX major Credit Bureau 's ( XXXX, Experian or XXXX ) this action might constitute fraud under both Federal and State Laws XXXX corrected error but not EXPERIAN OR 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 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I sent a certified letter to Experian, XXXX, and XXXX disputing inaccurate information on my report. All XXXX agencies received the letters as I have copies of the return receipts from USPS. XXXX and Experian have not responded to my dispute which was mailed on XXXX XXXX, 2016. It has now been 56 days since I sent the letters.

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