vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-29 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 refused to provide me with the documents that their company has on file that were used to verify the account that I have 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. Thank you.

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 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and noticed that I have a new credit inquiry from XXXX as of XX/XX/XXXX. I have been a customer of XXXX since XX/XX/XXXX. I did not authorize an inquiry and I suspect attempted ID theft.

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 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please read carefully!!!! 


This is the second time I have contacted the CPFB. Previously I contacted you regarding an inaccurate lien on my credit report from XXXX of the credit bureaus. Your help successfully got XXXX of the bureaus to remove the information. Experian did not comply and I need your help. 


The state of ohio misapplied a tax lien with the XXXX XXXX clerk of courts. 

The lien was applied due to a clerical error by the state. No money was actually owed. This was not a real debt. 

The amount due was zeroed out by the state once I became aware of the item on my credit report and contacted the state. 

No money exchanged hands as no money was actually due. 

Let me repeat. This was not a true debt. No money exchanged hands. 

A lien cancellation letter was sent to my home. I took the letter and filed it with the XXXX XXXX Ohio XXXX XXXX XXXX. 

I have attached a copy of said letter to this complaint. 

I have contacted all XXXX credit bureaus to dispute the item and have it deleted. XXXX and XXXX complied, and Experian did not. 

I have actually filed disputes with experian and they all turn up the same. They claim the report is accurate per their investigation. 

I need your help getting Experian to remove the State Tax Lien that was filed with the XXXX XXXX XXXX XXXX XXXX. 

The state cleared up its clerical error. See attached letter. 

The clerk accepted the state 's paperwork but experian refuses to comply. 

I have no way of getting the lien removed. This was not a debt and should not be on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An apartment leasing company, XXXX XXXX, has improperly charged me when I had to leave. I informed them in writing of my intent to leave and this bill should not be included in my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 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:
In XXXX XXXX I helped my niece, XXXX XXXX, open an account at XXXX. After more than 15 years doing business in good faith with XXXX XXXX, in the year XXXX, the lender decided to write off the amount of {$1800.00} that she owed and hang it on my records at Experian. That person is not dead. She owns a home XXXX and is my understanding that, at this time, XXXX. 
Do I have to accept, as a cosigner that I was in XXXX, a write off debt in my records, if that person is still alive and well, owns a home, have bank account and can be easily reached by the lender? What do I have to do to get that debt, that is no mine, out of my records? 
I demand from Experian, to take that bad deb information off from my records and be aware that the debtor is XXXX XXXX, not me. I did no spend no even XXXX from that account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX fails to update my credit report as per court settlement agreement. Have made numerous attempts to rectify this matter and no one will correct this matter. I won the Law Suit, have a settlement agreement and yet NOTHING. XXXX did not follow the Laws of the XXXX or XXXX Commercial Code and has forfeited their rights to a deficiency balance among deceptive practices in the repossession in which they did not follow the Law as well.

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 2015-08-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX 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 that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN IS REPORTING A COLLECTION ACCOUNT FROM XXXX XXXX. THAT WAS DISCHARGED AND INCLUDED IN CHAPTER XXXX BANKRUPTCY. THEY HAVE INSERTED THIS ACCOUNT AS A NEW COLLECTION, HOWEVER, IT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted XXXX XXXX and Experian multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries 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 2017-03-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Io, Inc.
State: VA

Complaint narrative:
My granddaughter received care on XX/XX/XXXX under a XXXX XXXX referral. XXXX XXXX submitted an insurance claim under the wrong last name although the correct last name was given along with name change court order and custody paperwork. I was out of town and they would not resubmit claim under correct last name when my wife called them in XX/XX/XXXX. Instead they turned it over to a collection agency called Receivables Management Systems whom are very rude and threatening in their tone and legal threats. I disputed the debt with them. 

I have provided XXXX the renewed authorization number on XX/XX/XXXX and again on XX/XX/XXXX for payment through XXXX. RMS validated the debt with XXXX XXXX on XX/XX/XXXX which is 11 days after XXXX received the new authorization for the insurance claims payment. Instead of removing the account from RMS after receiving an authorization, they validated it with RMS and it remains on my credit report as a collection when I have fulfilled all my legal obligations to resolve this. 

I asked that XXXX remove the account with RMS as an error of reporting, remove negative credit reporting and file the claim with XXXX. The initial problem was a result of a clerical error with last names not matching the original referral which had the correct last name. 

I am just asking for a common sense approach to this as it was really quite simple that XXXX had a referral for the correct last name but a medical claim from XXXX XXXX for the wrong last name. It was denied and patient first never resubmitted under the correct name even though they were alerted to the possible error in filing. 

Never the less, XXXX has now authorized the claim once again and to date, they continue to validate this as a debt to RMS, their collection agency. Additionally, I only received one notice from Receivables Management Systems in which I disputed. They had already placed this on my credit report before validating the debt.

Company response to consumer: Closed
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to 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 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
They refused to take multiple credit inquires of my credit reports. I told them I would not have XXXX credit inquires and I thought it had something to do with their breach or identify theft. They are being difficult. They are also refusing to take late pays off of some of my accounts that I have talked to the creditors and they took them off.

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 2016-04-01 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
On XXXX XXXX, 2016, I wired {$420000.00} in my Ally Bank account. The Federal Reserve Receipt for this wire, XXXX, clearly dates receipt of the funds by Ally Bank as occurring on XXXX XXXX. I contacted Ally Bank by telephone at XXXX EDT XXXX XXXX and again at XXXX EDT requesting that the funds be booked into my account on XX/XX/XXXX to prevent the loss of one day 's interest on the funds. On both calls, I was told the Bank could not locate the funds despite having been given the Fed Reference Number. The funds were subsequently booked into my account XXXX XXXX, resulting in the loss of interest in the amount of {$11.00}. To date, Ally Bank has refused to credit my account for the day 's loss of interest, despite evidence that the Bank received the funds on XXXX XXXX. 
I filed a similar complaint against Ally Bank, Complaint # XXXX, for delaying by two days an Automated Clearing House transfer of {$150000.00} which occurred on XXXX XXXX, but was not booked into my account until XXXX XXXX, resulting in the loss of interest in the amount of approximately {$8.00} It is clear that Ally Bank is engaged in a pervasive scheme to defraud its ' customers by intentionally delaying booking the transfer of funds into its ' customers accounts in order to avoid having to pay interest on those funds. The savings to Ally Bank, and the loss to customers, is considerable given the number of fund transfers that occur over a long period of time.

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 2016-11-02 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 not now a XXXX XXXX and I do not have a alias nor do I go by the name XXXX XXXX. Please address this issue. Thank you 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 2016-10-04 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 submitted a FTC Fraud Affidavit to Transunion on XXXX XXXX, 2016. I received a letter from Transunion, dated XXXX XXXX, 2016, stating that the document does not appear to be an official, valid law enforcement report that they can accept. I submitted the documents through the FTC.gov website. So they have a copy as well as Transunion. I need your assistance in getting this matter resolved.

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 2015-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have disputed the accuracy of information reporting regarding bankruptcy XXXX that appears on my report. Specifically, information related to the status of the case, the claim amount, etc. is not reporting correctly on my reports, and is not accurate in documents currently on XXXX as changes were made to the bankruptcy after XXXX of 2011 when TransUnion shows the date paid.. 
In the past TransUnion has stated they verified information regarding the bankruptcy with the furnisher of information. I asked who that furnisher is and TransUnion advised they use data from public records and consumer reporting agencies. I called TransUnion and asked again who specifically verified the information and they told me the bankruptcy court. I contacted the Bankruptcy Court in XXXX XXXX XXXX and they told me they have not verified anything regarding this bankruptcy case to the credit reporting agencies, and that it is not their policy to do so. I called TransUnion again after the Bankruptcy Court advised me of this and was told that TransUnion uses a variety of methods to verify the integrity of the data being reported, but was never told who specifically verified the information. 

I want TransUnion to verify the information with an actual person at the bankruptcy court and to provide me the name, address, phone number, and date they actually verify this. If they verify it with a source other than the court tell me exactly who it was verified with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
A charged off item from credit XXXX bank was reported on my credit. The item was sold to midland credit management and they in turn got lawyers. I got lawyers from the fair trading commission and the item was litigated and settled. MCM removed the item as was asked to. However transunion has now relisted the item from credit XXXX on my account giving it another XXXX yrs until removal and it was already listed for XXXX. I did not initiate this as this was instruction from the lawyers. How is this fair for me? That is the reason my credit score did not move and even went down by XXXX point by transunion. This is victimization of the public by a credit reporting bureau.

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 2016-06-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I called Ally Bank on XXXX/XXXX/16 for a loan extension I was told it was accepted then from XX/XX/XXXX to date I have been getting collection calls from XXXX something more than 4 a day. I called Ally and spoke to US people three times over 5 hours on the phone with promise of call back and resolution never a call back. The on XXXX/XXXX/16 I posted this on Ally XXXX XXXX called from Florida and said she would call back and never did I left many voice mails. XXXX even asking to do a extension now never a call back

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 2016-07-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because Trans Union has ignored my request to provide me with the documents that their company has on file, that were used to verify the accounts I have 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 the manner as soon as possible. Thank you.

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 2016-12-19 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:
On XX/XX/XXXX I went to apply for a home loan. I was denied because of my credit. Once I looked at my report I had XXXX accounts on my credit report that did not belong to me. These are the accounts listed on my credit report that does not belong to me : XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX account number XXXX. On XX/XX/XXXX I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX f )

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 2015-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Not updating info purchase XXXX car in last 3 years and every bank that the car dealer sent application to also pulled credit and they are charging my credit for every hit how is that fair to me plus stuff on my report from 20 years ago paid bills never updated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
1 ) XXXX, XXXX : TransUnion account CLOSED on XXXX XXXX but showing Late payments to present time. Error is affecting my credit! 
2 ) XXXX : TransUnion account is OPEN. It should be CLOSED on XX/XX/XXXX. Error is affecting my credit! 
3 ) XXXX : TransUnion account is OPEN. It should be CLOSED on XX/XX/XXXX. 
sTransUnion said they had in open investigation and it would be resolved on XX/XX/XXXX. Well it 's Monday XX/XX/XXXX and nothing has been done the error 's still appear on my credit report. 
Thank you!

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