vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am concerned with my credit file with Experian, there are credit items that I am asking to be disputed from XXXX XXXX # XXXX, XXXX the same. XXXX XXXX XXXX. XXXX XXXX. XXXX in XXXX. There are inquiries also on my credit file that should not be there or should be taken off by now, I did not ask XXXX XXXX, XXXX XXXX, XXXX which was never taken off. XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Names ID XXXX, these are some of the items I question that are still on my file. When will they be updated and investigated 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 non-monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter to Experian on XXXX XXXX asking them to research what I feel are mistakes, or things I just do not recognize on my credit report. They sent back a letter saying my request was suspicious. I do n't understand why they wrote that. I provided a copy of my drivers license, bank statement, and social security card. Who else could be writing them trying to get things fixed on my credit report? I could see if there were suspicious purchases or things being reported. But I am looking to get things fixed. 
This makes no sense to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 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:
How awful this is, XXXX BANK credit card has put me on for 4 years on all XXXX credit reporting companies, how AWFUL this is. XXXX BANK owes me for so many other things, this company is illegal and disgusting, XXXX BANK. I supplied XXXX CREDIT CARD with identity theft papers and the fact I Am only an authorized user for only a year plus, when card owner XXXX XXXX opened account in 1992 and there as a huge balance on card when I became an authorized user, but needless to say on that, XXXX XXXX also sent in the idenitity theft papers to XXXX, there are not only XXXX, put XXXX reasons I should not have to go through this I lost a job, my health been at risk and I lost an auto loan due to these lies XXXX BANK put on my credit report. And TRANSUNION knows this and have not done anything, HOWEVER, XXXX just removed XXXX BANK from my credit report, and XXXX BANK purposely presses my credit every month to ruin my name, they want me XXXX. I know it cause they already XXXX my life, now they want me XXXX, I know they do, they owe me for bad faith insurance and so many bank regulation violations, it is not funny. HELP ME PLEASE SOMEONE HELP ME I AM TERRIFIED.

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: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Hello. I 've been a victim of Transunion 's inquiry issue. I called their customer service but they were not helpful at all. I would like to see if the following inquiries could please be removed from my report : XXXX - XXXX/XXXX/16 St. XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 Thank you so much for looking into this for me! 

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 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
XXXX reported me late when I was n't. I have the proof. Credit bureau wo n't open up a dispute so by law remove the account or update it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A claim was filed against me in Civil Court. It was subsequently discontinued. But the Discontinuance does not show on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I have XXXX hard inquiries on my transunion credit report that either are not mine or I did not authorize. They are for XXXX XXXX and XXXX. They are affecting my credit negatively are need to be removed. They were not done by me and the issue needs to resolved immediately before I am forced to take further actions.

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 2015-10-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I had a situation where a tree fell on my house it was paid by the insurance all of the debt and they are still saying that I owe XXXX when I do n't owe anything this was a year ago I have contacted them recently because no one reached out o me and told me that I had a balance when it was told to me that it would be paid in full by the insurance. Even when I called them to confirm because they where saying it would n't be.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally FinancialXXXXXXXX, MN XXXX XXXX 2015Re account : XXXXOn a turned in leased XXXX, I previously received and paid a bill for $ 190+ to cover " excess wear ''. That bill contained a link that allowed me to view the " excess wear ''. 

Two weeks later, I received another letter, informing me of the " unearned rent charge '' to be returned to me, less " Excess Mileage/Wear of {$180.00}. This time there was no information that allowed me to see an " excess ''. Your letter did, however, tell me I could reach you online, although, since the lease was over, your site did not allow me to do that. 

Questions : ( 1 ) What is the exact nature of the " Excess Mileage/Wear '' charge of {$180.00}? 
( 2 ) Where is the visual proof of this wear? 
( 3 ) Do n't you think it is unreasonable and misleading to send XXXX separate charges? 
( 4 ) Would n't you agree that it is high-handed to send an undocumented bill? 
( 5 ) Do n't you care about repeat business? 

Please document or delete the latest charge of {$180.00}, and return to me the full " Unearned rent charge '' of $ XXXX, XXXX XXXX XXXX, MI XXXX

Company public response: Company 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 — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Through my XXXX XXXX Credit card, I have access to credit tracking using TransUnion credit information. Recently, TransUnion moved from TransUnion New Account Model where my credit score was around XXXX ( XXXX ) to XXXX XXXX where my score dropped to XXXX ( XXXX ). The new model shows excellent for on time payments ( a strong impact on your credit score ), excellent on oldest credit line, average on credit used, average on New Accounts, XXXX on Available Credit, and XXXX XXXX on recent inquiries which has a low impact on a credit score. I can not figure out how I can have a below average score with average to excellent scores on XXXX factors and XXXX below average on a factor that has low impact on a credit score. 
I contacted TransUnion for clarification and was told 'the computer calculates the score ' so there is nothing that can be done. i tried to explain the computer can only do this, if there is a human creating the parameters for the computer to make the calculations. The computer can not make decisions on its own but must be told how to make the calculations. I asked for a manager to call me back so I could discuss this. After a week of waiting for a call, no one has called me back. This type of error costs the consumers a lot of money from increased interest and or points on loans. In addition this XXXX XXXX product is pushing the consumer to pay for a credit monitoring service. If the credit scores were calculated appropriately many people would not need credit monitoring services. 
I need someone to look into this credit score calculation. Without regulation, these services have become very lucrative businesses

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 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX credit ... a debt collector ... has filed without following guidelines of fcra

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 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had a tax lien recorded on XXXX XXXX, XXXX. The lien was subsequently withdrawn by the filing agency on XXXX XXXX, XXXX due to the lien being satisfied ( paid ). The item of record itself is over seven years old and it has, in fact been withdrawn. My understanding, and please correct me if I am wrong, is that this should not appear on my credit report because the withdrawal of the lien has the effect that it never existed. These item is being reported by both XXXX and Transunion. I believe it is on my XXXX report as well. 

Please help me get this removed if I am entitled to have it removed. 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 2016-09-18 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:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLC XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$210.00} Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

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 2016-07-16 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:
As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. 

In attempts to clear my credit I requested assistance to the CFPB and completed and forwarded XXXX fraud packet as requested to XXXX the original creditor as well as the police report and too date, I have had no response or communication from the original creditor or its collection agent and its still being reported by Trans Union credit bureau. 

My previous dispute was initiated because of this fraudulently opened account and i am a victim of identity theft. I wrote to the credit bureau about the collection company and disputed the debt reported by XXXX XXXX and its credit collection agent and and have had no response from Trans Union or any assistance in clearing this inaccurate information. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial 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 2016-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
On XXXX separate attempts once on XXXX XXXX, 2016 and again on XXXX XXXX, 2016 i sent validation letters to AD Astra Recovery Services to have them verify the debit that is owed. They refused to give me proper debt validation, in which i invoke my rights under the Texas XXXX to have certain information be provided to in which they have not provided. They also marked my file as disputed when I clearly did not dispute anything let alone send them letters under the FDCPA. Since they have n't given me proper validation under the Texas XXXX which requires them to either validate within 30 days properly or they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11 As a result, I have been gravely affected and my score is suffering as a result. No written notice was ever given to me that Transunion was going to reinsert info onto my credit report without my knowledge, which is also a violation and I am requesting that all 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 2016-03-18 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.

Complaint narrative:
Dear Sir / Madam, I want to view my annual credit report and since I moved to XXXX, website is not allowing to view / download my credit report. Getting message that " this option not allowable in your country '' and instructed to approach you. Request you to let me know how can I get the report. Also let me know how can I reach you or you will be reaching me to get my contact & other details. ( Mentioned above not to share contact info and other details in this area ). Looking forward your response at the earliest. 

Thanks in advance, Thanks & Regards, XXXX XXXX ( 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 2016-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I conditionally accepted their offer upon verifiable proof of claim. to date I have not seen any certified proof of claim for any 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 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I advised Transunion that I did not authorize or provide the above-referenced businesses and institutions permission to inquire about my credit status, and the continued presence of such inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act ( " FCRA '' ), must be removed subsequent to their reinvestigation as set forth in Section 1681i which requires Transunion to reinvestigate each and every disputed item and to complete the reinvestigation or delete the disputed item within one month. 
Furthermore, as further required by Section 1681i ( a ) ( 6 ) ( B ) ( iii ), Transunion should provide me with, " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance with the Fair Credit Reporting Act, Section 611 [ 15 U.S.C. 1681i ]. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), I had Transunion to provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' TransUnion advised me that they would not initiate a dispute.

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