vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reviewed the attached documentation submitted by XXXX XXXX in connection with a previously submitted complaint. Nowhere on the application does it authorize XXXX XXXX, XXXX, or any entity, financial or otherwise, by specific name, proxy or otherwise to obtain my credit report. Due to XXXX XXXX 's failure to clearly and unambiguously identity itself as an entity authorized to obtain any credit report, this credit application is null and void. I spoke with XXXX XXXX of XXXX XXXX XXXX at XXXX and she confirmed that nowhere on the application is XXXX XXXX XXXX or any business entity whatsoever identified. In turn, the hard inquiry by XXXX XXXX XXXX is rendered invalid along with the XXXX XXXX XXXX hard inquiry itself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion had a glitch in their system that violated the rights of their consumers under section FCRA 611 5 ( b ). As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed 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 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XXXX/XXXX/14 on TRANSUNION. I did not authorized anyone employed by this company or at this company or TRANSUNION to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that TRANSUNION remove the unauthorized and fraudulent hard credit inquiry immediately from my TRANSUNION credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There is an account ( XXXX ) listed on my consumer report as a derogatory account, that has been closed for 8 years, and all XXXX agencies refuse to delete the account.

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 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I got suckered in to a time share contract. After several years of having problems with them I gathered up some research and sent them a demand letter to void my contracts, return my money or face a law suit. In fairness I also quit paying they outrageous monthly fee. I have been in contact with them. They quit calling me but are still billing me. They have since put late payment notices on my credit reports. I would like to get these removed or at least be able to add my explanation of what they are. I see them as an XXXX attempt to get me to stop my demand and avoid a law suit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I do n't know where to start since it is becoming evident that there is more identity fraud using my social security number than I can handle. I find out about most of it when : I ca n't get free copies of my annual free credit reports because they were already requested within that year - when I know that I HAD N'T REQUESTED THEM THAT YEAR OR PROBABLY EVEN FOR XXXX OR MORE YEARS PRIOR! 
when there are at least XXXX addresses listed on my credit reports that I have never even been to much less lived there XXXX of the incorrect addresses secured natural gas utility with my SSN and then did n't pay the bills - that 's how I found out that any ID theft was going on with my infoWhen I receive a tax notice from the XXXX of Virginia using my name and my SSN except I never even lived there. 
When I receive letters from collection agencies for accounts with places like XXXX which I have never approached with any business! 
When I see all of these businesses requesting my credit info when I have not applied for anything credit related in more than XXXX years due to serious financial hardships since then. 
When I get a letter from Internal Revenue that I owe them over {$800.00} from back taxes for year XXXX when that is n't true - this is something I 've just recently put XXXX and XXXX together about and come up with the fact that it is more identity theft - by the way, the IRS has been keeping any Tax Refunds to pay for this back tax and I have agreed to a pay back plan before I realized that this info is wrong and is no doubt more identity theftWhen I get a letter from XXXX XXXX XXXX agency that says my application file was accidentally opened and opened by an agency in a XXXX XXXX than mine...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had an credit card account that went to default XXXX XXXX XXXX in XXXX, and it was charged off and this item was sold to a debt purchaser - XXXX XXXX. 
There is incomplete - inaccurate data on my report - with all Major CRA 's. This information has been disputed at least once, with all XXXX. 

1. Through XXXX - This Account shows " OPEN " and, with missing critical account details, such as its actual status. This item has been communicated as a dispute to all CRA 's. 
2. On XXXX in XXXX - XXXX through current, lack any payment history - " Type '', is not Credit Card its blank. XXXX XXXX is XXXX XXXX, I believe is the original delinquency date, MAKING this account to old to report. 
On Experience printed reports, this account is incomplete and inaccurate. 

There is no Payment StatusTrans Union/XXXX - the Payment history does NOT match the " Last Payment made date '', and the other dates are not consistent. 



Despite my continued disputes - this account has never been updated and remains, and in spite of the FCRA which says that incomplete records, must be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i JUST WANT MY CREDIT REPORTS TO START ON MY IDENTITY THEFT SITUATION. THIS IS A NIGHTMARE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I discovered that there are a total of 9 negative inquiries I have on my credit report. Also, there are late payments shown from my student loan which is false. Lastly, there is a charge-off from a credit card company, which I know is fraud ; and I believe this is due to identity theft. So far I did not receive any follow-up about these false claims and I would like all of this negative information removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please be advised that I see no other recourse but to file a complaint against XXXX XXXX Bank XXXX XXXX. This creditor is famous for using a process called re-aging of debt. The card posted was first issued in XXXX. I was late with payments at least XXXX times between the card inception and the beginning date on credit reporting on all XXXX credit bureaus, which is XXXX XXXX. This debt can no longer be collected within legal guidelines for the state of New York. The account was late for a first time over seven years ago, and therefore the seven-year timeline has passed. Out of the XXXX credit bureaus posted in this complaint, XXXX states a XXXX XXXX deletion of the account, XXXX states an XXXX XXXX deletion date and Experian states a XXXX XXXX deletion date. In essence, XXXX XXXX XXXX XXXX XXXX purposely cut off two years of my payment history to extend the timeline of maintaining the account on all credit bureaus. This practice of re-aging of credit trade lines has been approached by the Federal Trade Commission as an abusive collection practice, and also a violation of my rights under the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I demand a full accounting of this account to be reviewed by the Consumer Financial Protection Bureau, showing all payment history, when all payments were posted to the account on credit, and the credit reporting history since the card approval in XXXX. I am well within my right on such a request. XXXX XXXX Bank XXXX XXXX has no other recourse but to remove this account from all credit bureaus immediately and permanently.

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 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am having an issue with the Experian website in trying to upload an amended police report that I have made on XXXX XXXX 2015. I picked up the report on XXXX XXXX 2015 and it shows the original report filed on XXXX XXXX 2015 and on page XXXX it is the amended report from XXXX XXXX 2015. I am trying to upload the police report because there is fraudulent information on my credit report that is reporting there is multiple fraudulent inquiries on the credit report with XXXX XXXX XXXX on XX/XX/2015, XXXX XXXX XXXX XXXX on XX/XX/2015, XXXX XXXX XXXX on XX/XX/2015, XXXX XXXX XXXX XXXX on XX/XX/2015, XXXX Card on XX/XX/2015, XXXX XXXX XXXX XX/XX/2015, Colorado XXXX on XX/XX/2015, XXXX Colorado XXXX on XX/XX/2015, XXXX Bank on XX/XX/2015. One of these inquiries resulted in a Fraudulent account with XXXX XXXX union Account # XXXX to be established fraudulent in my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir or Madam, I am writing this letter to correct the unlawful pulling off my credit report for issuing a replacement XXXX XXXX credit card which is the breach of agreement made on XX/XX/2015 over the phone. 

I called to the phone number XXXX at XXXX XXXX ( Pacific Standard Time ) on XX/XX/2015 for my XXXX XXXX XXXX credit card as I received a communication via postal mail. I was told that XXXX XXXX card will be discontinued due to new XXXX partnerships. 
Over the phone, I was offered another replacement card and I asked multiple times that it would not require a hard credit pull avoiding any negative impact on my credit score. I was informed by XXXX XXXX agent taking my application over the phone many times including disclaimer agreement that there will not be any credit pull from any credit agency for this card. They also told me that this conversation is recorded and there will not be any issue in future regarding my concern for credit pull. 

I, however, see a hard credit pull for the same credit card application on my credit card. I contacted XXXX XXXX several times over phone and I was told that they are aware of this issue and it will be taken care of. I also sent fax communication ( attached ) on XX/XX/2015 and XX/XX/2015 detailing the issue but I do not see any action from XXXX XXXX. Even after more than 7 months, I do not get any proper response or see any action on this from XXXX XXXX. 

I look forward to get the XXXX XXXX credit inquiry deleted from all XXXX credit bureaus. 

Thank you. 

XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 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:
Please remove this credit info from my credit report. It is not mine ... 
I was alerted today that I have a credit card from XXXX XXXX, with a {$1000.00} credit limit, which was opened XXXX/XXXX/XXXX ... with no derogatory information - never late and completely paid off ... but is now an inactive account. 
I have no idea who this card belongs to, but it is not mine. My credit score dropped XXXX points today ( within one week ) and I have no idea why or if this is the reason - FRAUD!!!! 
In addition, you report that my oldest account is only 1 year and 4 months old. This is absolutely inaccurate, too. Please contact XXXX XXXX Bank and they will tell you that I opened an account with them on XXXX XXXX, XXXX. This is almost 2 1/2 years old.

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 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My XXXX was totaled in an accident on XX/XX/XXXX and was paid out in full by XXXX XXXX in XX/XX/XXXX. XXXX XXXX was paid out in full, but they have reported on my credit file that I was delinquent with payments, As a result there is serious error on my credit report and my FICO score has been impacted. 
As a result of XXXX mistakes I can not get a loan to buy a home and I am suffering hardship due to the error made by XXXX USA staff.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My report has me living in a different state

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 2016-06-22 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 ca n't work with Experian anymore, because they continually mess up on credit reporting. Recently, they just added an account and listed me as an " authorized user '' I have no knowledge of this account, and it TWICE on my credit report last month, after I challenged other credit items on the report. I need these accounts removed from my credit report immediately. They do not belong to me. Amount is 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 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I received a written letter from XXXX XXXX XXXX , XXXX regarding an account with XXXX XXXX XXXX XXXX. The written letter offered the option to call XXXX XXXX XXXX , XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$500.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Experian Credit Report as OPEN, UNPAID and and " Seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department ''. ( please see attached Credit Report excerpt ).

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 2016-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian was reporting incorrect addresses for me. I disputed the incorrect information and they deleted my current and CORRECT address they are reporting me as having an address of XXXX, PA XXXX THIS IS INCORRECT - THIS IS A BUSINESS ADDRESS MY CURRENT ADDRESS AND HAS BEEN IS XXXX, PA XXXX I WOULD LIKE MY ADDRESS CORRECTED

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 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, SC XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; ACCEPTANCE NOW XXXX B LENDMARK FINANCIAL XXXX XXXX SECURITY CREDIT SERV XXXX SUNBELT XXXX DESIGNED RECEIVABLE XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX CRED XXXX SUNBELT XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, SC 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 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have disputed several accounts on my credit report with Experian several times. I first disputed with the original creditors, XXXX and XXXX and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. The bureaus only continue to update the accounts associated with these creditors.

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 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I have called the collections account on my credit report and I do not remember opening let alone using this account with XXXX. They insisted the account was mine without any written proof, other than this rude guy, looking at his computer screen and insisting me that the account is mine. I was checking my credit report before I ship out with the XXXX to defend our nation, so, this came to a real surprise to me. Please assist me in having this account removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 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 my former name, former address and account history with Experian. I even provided them documents to support my claim. They refused to remove inaccurate information from my report. The student loan payment history makes no sense. I pointed this out to them to no avail. this inaccurate information remains on my report. This issue with the payment history has been disputed to no avail with all XXXX major credit reporting agencies. Experian, XXXX, and XXXX. Details in the supporting documents 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 explanation