vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to know how Trans union arrives at a credit score What causes the difference in the types of scores. As car finance, Bank finance, Home finance payments.Credit cards.What priority and scores apply to these. 
Also Foreclosure, Short Sale, Deed in lieu, or Foreclosure started. 
What determines the length of time things stay on my credit report and the [ process used.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am an XXXX XXXX service member with SCRA benefits. I have an auto loan through XXXX Bank and I have been late on the account 2 times since I have had the car and XXXX times the account was late XXXX3 days and the most recent XXXX I tried to call in and pay on the XXXX with a due date of XXXX and he told me to call back the following week to avoid a fee so I did that and then they reported it late after being told they would not. I got the car before I went on XXXX XXXX and I should be getting charged late fees plus nothing should be going on my credit while I am trying to serve our country. I should not have to be dealing with things like this in my current situation. This is why there is SCRA protection. I would like the late payments removed from my account immediately

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 2016-12-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have not been able to resolve an issue with Ally Financial car loan and I would like it removed as it 's reporting to the XXXX and negatively affecting me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
An unauthorized credit inquiry from a company that I do not recognize and did not authorize, XXXX. Credit inquiry took place on XXXX XXXX 2016. 
Although this is more than you probably wanted to know, this inquiry was discovered in the course of applying for a home equity loan from XXXX XXXX XXXX. I am following up to make sure there is n't a fraud issue. XXXX allows mail inquiries only according to Experian - does not have a listed phone number.

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 2016-10-26 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:
I have several negative reports including XXXX XXXX card and other issued credit cards that are not mine. I have never owned or been issued a credit card of any kind except from XXXX department store. - Also my s.s card and i.d . Were stolen a few years back and was told that last year my taxes were filed in California where I do not know anyone who lives there that I am in contact with and was unable to get my taxes back until the end of the year because of the issue. My identity has been compromised and my credit is below poor because of these negative things. Also I have a legitimate bad report from sprint. Those are the only things on my report that are mine and I need this taken care of as soon as possible so that I can start rebuilding my name.

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 2016-10-20 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: WA

Complaint narrative:
We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

XXXX XXXX. XXXX XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10 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 got a free 2 year credit report from experian and i noticed that there was something on my public records that i knew absolutely nothing about, i was also a minor at the time still going to school and living with my mother. i have tried calling experian, the court where it says it was filed at and many other places and nobody has been able to help me with this issue. i believe that it may be fraud, i need help finding information on this situation. thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Before XXXX purchased this student loan from XXXX i was under an approved Deferment and i am seeing that I have been reported 60 days late XX/XX/XXXX and XX/XX/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 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My account with XXXX XXXX XXXX was cancelled less than 15 days of getting a telephone service from the company when I found that they company did a bait and switch in which they promised a certain fee for using their service. When I received the first bill, which I received within 15 days of signing up for the service, the bill was XXXX the promised rate. I immediately called to cancelled the service and I was advised they account was cancelled. Now this charged has being on my credit report since 2011 and is having a huge impact on my credit report. On Experian, my FICO score is a mere XXXX compare to the other XXXX agencies where my FICO is above XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Requested a Formal Debt Validation Request in XXXX 2016, XXXX 2016 and XXXX 2016 and have yet to receive this information from the company.

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 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A settlement for a short sale with XXXX was made in XXXX/XXXX/2012. I received a form XXXX for the cancellation of debt ( Please see attached ). XXXX report my account as outstanding 2 months after settlement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). I would like to point out that Experian is violating provisions of the FDCPA by implying that the legal status of XXXX ( XXXX ) debts are collectible by reporting the alleged debts on my credit report. The exact statute is 15 USC 1692e, ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
1. I am a resident of Colorado. 
2. Experian does business in Colorado and is subject to Colorado 's laws including the Statute of Limitations and knowingly publishing/reporting/promoting false and/or defamatory and incorrect information. Experian may not knowingly publish false information such as the collectability of a debt. The SOL in Colorado is well defined and is the period of collectability. Reporting incorrect information as to collectability is a violation of the FDCPA. 
3. Experian is willfully and knowingly violating germane Colorado statutes by publishing defamatory and incorrect information.

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 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There is a Circuit Court claim on my report and I have never even lived in the county that it is from or have never had papers served in that county. I requested a disputed and it come back with no changes. I need this corrected, because this is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I signed up with Experian Credit tracker ( phone number XXXX ) on a trial basis thru an ad. They took XXXX a month from my checking account for 9 months without my knowledge. There ad and the way it is presented is misleading and I received nothing to let me know the money was being withdrawn monthly. I noticed it when doing a general review of my account. I telephoned they cancelled the service but of course refused to refund any money. There business practice is deceitful and manipulative. They pretend to service a customer need when in reality set the customer up for recurring monthly charges for a service not used and not aware of.

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 monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX 2015 I was shopping for a car and have several hard inquiries on my credit report. The shopping was done in two days and I have XXXX hard inquires on my credit report which are affecting it negatively. 

On XXXX 2015 I was shopping for a personal loan and have XXXX hard inquiries on my credit report. The shopping was done in 1 day and I have XXXX hard inquries on my credit report which are affecting it negatively.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Remove Address : XXXX XXXX XXXX XXXX, CA Request : Deleted permanently from my credit report. 
Status : Inaccurate account information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Previously disputed credit inquiries numerous times with creditor and creditor reporting agency. Each agency continued to refer me to the other. Was previously advised that they would be removed and to date, they have not 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 non-monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to medical issues ) our family experienced a hardship and was forced to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially more viable. I am being discriminated against due to a government requirement to be late on a. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.

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 2016-12-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Phone:XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
after reporting my identity theft, to the police department, and summiting a report to the various credit consumer agencies, I settle various claims with couple of Banks, an Investigation by XXXX and XXXX was concluded and bad records Deleted. 
EXPERIAN, I needed to hire an attorney, ( XXXX ) to get Experian to delete my record, only to have then put back, XXXX, acct # XXXX, as acct was settled for XXXX should be XXXX XXXX XXXX acct # XXXX, settled for XXXX, both accts are more then ( 7 ) years. 
EXPERIAN IS A NASTY, MONEY HUNGRE, HUMAN DESTROYERS COMPANY.

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 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX will not fix the problem on my credit report. All credit agency XXXX XXXX and Experian and XXXX will not fix problem. 
This was never suppose to be on my credit and have never provided the signed contract for service which they are trying to collect on??????? 
Only XXXX credit collection company XXXX followed the rules that XXXX sold debt too.

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 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian 's credit investigation has taken too long. I sent them the attached letter over thirty days ago, but I have yet to get a response from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I file a dispute with the credit bureau it took this agency one week to say this account on my credit is maine how can a company says account belong to you when i write these creditor. their no response how is company able to validate a debt when i get no response what is their procedures of validation i have identity theft on my report the credit bureau isnt obeying the 609 laws on federal credit reporting act before they report on 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 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am contacting your agency because I have on several occasions tried to disputing a line of credit account with Experian I supposely open with XXXX XX/XX/2011. XXXX has produced no evidence such as signed loan documents showing my signature and verified I applied for line of credit. Experian refuses to investigate and keeps making following statement " We are responding to your request to verify item ( s ) on your personal credit report. We have already investigated this information and the credit grantor has verified its accuracy. ... Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not be investigating your dispute again at this time. '' This false reporting is damaging my credit. I would like for XXXX to contact Experian and remove this item immediately 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 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Experian I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX Under the FCRA , I request an investigation on account type, name and number it does not match my documents. Please abolish this account for it 's errors. 

XXXX XXXX XXXX XXXX Please run a full investigation on collection including the account name, account number and type of collection and delete this collection for it 's mistakes Because it does not match my records.

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 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered there were billing issues with XXXX merchants. Customer service assured me the balance would receive a credit and my new invoice would reflect that change- This did n't happen and I was erroneous reported late. This needs to be reversed and 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 explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My attorney requested credit reporting companies NOT to allow claims for which companies DID NOT have an original signed document obligating me to pay a debt, specifically intended to stop collection companies who may have bought debts from posting incorrect or inaccurate information. See attached report posted to my credit report which has a negative impact on my credit.

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