vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have disputed with all XXXX credit bureau the information XXXX XXXX XXXX is reporting on my mortgage XXXX. The account was not included in a bankruptcy per the attached amendment. Payments were made continuous from XX/XX/XXXX to XX/XX/XXXX, account was paid in full and satisfied as agreed as of XX/XX/XXXX. XXXX XXXX XXXX has refused to change and credit reporting agencies are not defending the reporting. Need to report both good and bad actions on an account. Reporting agencies are not showing the good payments and paid in full account.

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 — Account status
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I received a written letter from XXXX XXXX, XXXX, regarding an account with XXXX XXXX. The written letter offered the option of " 1 payment of {$250.00} '' and that my account will be considered " Settled in Full '' after the payment is successfully posted. ( Please see attached letter ) I paid the {$250.00} ( please see attached processed bank check ) and XXXX XXXX reported my account to Equifax as " Legally paid in full for less than the full balance ''. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " PAID/Settled in Full ''. I would have chosen pay the amount in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Sent in a request to correct credit file after sending validation letter to collection agency certified as required by law and receiving no response back. Credit bureau told me they verified info as my account. I requested their method of verification and received no r=further response. Response also took longer than 30 days. They are still reporting account as valid even though account was not validated as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried multiple times to have this dispute resolved. I have disputed the Bankruptcy that is showing on my report and the Bankruptcy still remains. I would like for Credit Reporting Agency to provide their method of verification on this. I have already spoken with the court that is listed on the Credit Report and they deny supplying information to the Credit Reporting Agency as it relates to Bankruptcy. The Credit Reporting company claims to have received its information in speaking with someone at the Bankruptcy Court, but the letter attached proves this to be untrue. I have tried several times through this method and others to have the CRA provide me with their method of verification and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Late XXXX, I sent out a letter to Equifax to dispute inaccurate reporting. In my letter I requested that all NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I contacted XXXX to let them know I was moving in with my daughter and that she already had an account so I could n't continue with mine. They told me to return my equipment to them and that they would waive my early termination fee because not only did my daughter have an account but I also had another account at my other home which I closed and paid an early termination fee due to going thru a divorce. 
a few months later I got a bill for the same exact amount due which was XXXX dollars and change so I called them and they assured me that this was to cover shipping fees on my returned equipment and that if I would pay it they would make sure there would be no negative information for my account. 
Next action I saw was that it was reported to Transunion that I owed {$290.00} to XXXX. I called the collection agency and they said they could do nothing about it and the only way to get it removed was to pay the amount shown. I asked them to verify this as it had to be a mistake and they hung up on me. XXXX was the collection company listed on my credit report for XXXX. I also called XXXX and they assured me that they would get it removed as I owe them XXXX but it has been over a month and nothing has changed. I am attaching my live chat with XXXX today again confirming that I owe them nothing. so please make this collection agency and credit bureau stop reporting that I owe money. 
my insurance has gone up and I am trying to buy a home so please assist me in this. 
I had a hard time saving the chat so I attached it in XXXX formats so hopefully XXXX is legible. Thanks much. 
XXXX XXXX XXXX XXXX or work # is XXXX XXXX. 
I can be reached from XXXX till XXXX Monday thru Thursday at the work number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Previously deleted inquiries were added back without notifying me in writing, that is against the law per FCRA SECTION 611. Please remove all inquiries.

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 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
My only name is XXXX XXXX XXXX. I see another name, XXXX XXXX, listed. I think it 's a typo.

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 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have tried unsuccessfully tried to challenge with Transunion recent inquiries which are not mine and did not approve and payment history showing late with XXXX, nothing updated on my account since XXXX disputes still processing ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally 's auto loan settlementAlly 's markup policy resulted in XXXX, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated non-XXXX borrowers. 

Ally charged late fees when they agree to put payments at the end of the term without late fees, they have charged a total of {$760.00} after I made last payment online and Ally took the XXXX XXXX payment option off their pay web site in XX/XX/XXXX and could not make anymore payments. Ally charge late fees on XXXX XX/XX/XXXX XXXX of {$1600.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC
State: IL

Complaint narrative:
When I learned that my house was in foreclosure I was contacted through the mail by Core Advisory Group. I called them and they informed me that after doing an evaluation that they can help me save my home. They said the total cost for their services would be {$4400.00}. I gave them {$2000.00} on. XX/XX/XXXX15, {$400.00} on XX/XX/XXXX15, and {$100.00} on XX/XX/XXXX15 totalling {$2500.00}. The end results was my house was foreclosed on and Core Advisory Group never fulfilled their end of my contract agreement. And afterwards did n't return any of my phone calls! Therefore, I am requesting and believe I am entitled to a full refund. Due to their breach of contract regarding my case.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I assume this is a energy company. Not sure what state it is in but I have never has service with XXXX energy. I was living in Ga at the time they reported the service and I do not believe this company services the Ga area.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX broke there contact at that point in time never gave me notice of the change It went from {$89.00} each month to $ XXXX each month + they would add channels or remove channel and I never asked for there for I canceled.. I 've had several collection offers from $ XXXX there fore I elect none they ca n't get it right i owe nothing and want it off my credit score thanks 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 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is an address I have never lived at XXXX XXXX XXXX XXXX XXXX AZ XXXXI have never stepped foot in the state of Arizona. Yet it was listed as an address of residency on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
A fraudulent debt was assigned as an adverse account by TransUnion. A police report was filed an a copy sent to the collection agency used XXXX XXXX XXXX, but TransUnion will not remove the fraudulent address and telephone number that were used for the services or the adverse account, from our personal information in their system. A copy of the police report is attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2016 I 've noticed a hard inquiry from XXXX XXXX XXXX XXXX XXXX ) reported by TransUnion. I have n't applied for credit cards over the last three months. I 've tried to call TransUnion but there 's no way to speak with service representatives.

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 2016-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I receive at least 10 calls a day from Nuvell Financial. When I pick up they say please call certain number. When I let the answering machine pick up they leave no message.

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 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I 've notified, disputed, and re-disputed to each and all XXXX credit bureau 's to accurately and correctly report that my XXXX was Paid-in-Full. All XXXX bureau 's have XXXX different and varying reports listing paid-less-than-full-balance, collections, or unpaid outstanding balance, which pushed into XXXX XXXX - XXXX XXXX, causing severe and discriminating consequences from a rental apartment company. Additionally, XXXX has also failed to update and/or notify or the XXXX credit bureau 's have failed to update their records citing XXXX60 days late, when in fact that should be XXXXNever 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 2015-12-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I am a permanent resident. I do not yet have a SSN. Ally online bank flatly refused to let me open an account without one although I explained that the gov.ss states I do not need one to open a bank account. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX make the online process impossible without a SSN.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion is continues to report a account that does not belong to me that I have disputed several times according to my rights under FCRA. I also have provided them with proof from XXXX that states they can not locate and account number under my name, social security, date of birth, etc ... I am hoping that the CFPB can help me get some results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please have lates removed from XXXX 2010 XXXX XXXX account. Account was under bankruptcy at time of reporting.

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 2015-07-24 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
I pulled my credit file and saw I had XXXX ( XXXX ) collection item from Ad Astra Recovery Services. The creditor is XXXX XXXX XXXX XXXX LA. I have not done business with this company and I do not owe an amount of {$1300.00}. I t states the date of 1st delinquency is XX/XX/2013. Please conduct an investigation and provide information of who, what, and when the loan was taken out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All XXXX credit reporting companies simply used the bogus information sent from the reporting companies as verification despite different social security numbers, addresses, and date of births. The " investigation '' process requires little to almost no proof that the actual person affected is the actual owner of the items in question. Simply providing the credit reporting agency a name and maybe an application should not be enough to continue reporting the information. Additionally, once police reports and affidavits are submitted to refute those claims, the credit reporting agencies still refuses to remove items that are not yours. Example : I am a teacher who makes {$38000.00} per year. Yet there are XXXX vehicles that were financed under my name within a 3 month period in the year 2014. XXXX were brand new cars and XXXX used. That should have thrown up red flags. Also there were over XXXX addresses and XXXX variations of my social security number used. The credit reporting agencies seem clueless as to the identity theft crimes that are sweeping this country.

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 2015-05-14 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:
A collection account that was place on my credit report by XXXX XXXX XXXX XXXX NV XXXX XXXX NV XXXX Account # XXXX. This is Identity theft is a fraud account, TransUnion let this company put a fraud account on my credit report with proper documents to prove this my account and second this collection company has never mail me anything regarding a collection account and as well as the original creditor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My home was sold and closed via wired payment on XX/XX/2014. However, XXXX of XXXX of the lenders that held my mortgage are currently reporting it as active, and open. Please assist! I have attempted repeatedly twice in 2 years to clear this with dispute and phone call and it is still on my credit reports- Transunion , and XXXX. I was trying to get preapproved for a home loan and they made me aware it is still open. 
When I contacted XXXX, I spoke with Agent XXXX # XXXX. She also informed me she could see on their database that the loan showed closed, however she refused to per our request send an manual report- XXXX to correct immediately. Instead, she directed me to submit a complaint for investigation to their email- XXXX, she also took my name, number, and loan # for her manager XXXX to contact me. I am still waiting for that call to correct this issue directly through them. I have attached all information, and I thank you for your help in advance.

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 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been a victim of identity theft and tried correcting my information with the credit bureaus. They told me to get a notarized affidavit, send them my driver license and social card ; which I did. I have been dealing with them for the last year and it gets so frustrating how I get denied for everything I apply for even though I am a very responsible person. As a matter of fact, I have kept all of my correspondence with them as proof that I have sent everything that they asked from me. I called several times as well. I have had notarized my affidavits and police report twice already but up to now, the accounts are still on my report which is barring me from having a decent credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
Caller ( Ph # XXXX ) claimed to be with Arcadia Recovery Bureau, asked for me by name, then asked for my birthdate as a verification. Caller refused to disclose the nature of the call unless I furnished her w/ my birthdate. I terminated the call. I have no knowledge of the agency named, but it 's evidently a collection agency. I 've no knowledge of any debts that would have been given to such an agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Credit score for Transunion has changed by almost XXXX pointsd and I have paid all accounts on time with no closing of any accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have lived at the same address for over 20 years and use a XXXX. XXXX to receive mail. Moved to XXXX XXXX XXXX. XXXX XXXX, XXXX and use XXXX. XXXX XXXX ONLY to receive mail. Worded at XXXX XXXX XXXX from XXXX to XXXX, when became 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