vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
My initial complaint was case number XXXX. 
I tried working with Ally - I wrote the Credit Bureaus - I attached a copy of the reaffirmation agreement for the car - but they are still illegally reporting that the car was included in a Chapter XXXX - yes, it was included - but we reaffirmed and PAID the agreed sum outside of the court. I can mail you the affirmation agreement, like I did the credit bureaus. Pls provide me your mailing address. I can not scan documents. I want to know why Ally Financial can still continue to report this erroneously on my credit report and my husbands without repercussions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I 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 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 2016-09-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
1 : Mailing Address is incorrect. 
2 : Date of Birth, is incorrect. 
XXXX issues are with EXPERIAN 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 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting a XXXX account on my report. I have sent several validations letterrs and they have not followed through and showed my paperwork that this is my 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 2016-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I accessed a free copy of my credit report from freecreditreport.com, which looks to be owned by Experian. The address and current employer information is over 8 years old. Their web forms would not " accept '' my information as matching their system ( email and DOB, both are correct on the report, and a membership ID, provided by Experian ). The toll free number I was referred to ( XXXX ) only has XXXX options : obtain a copy of a free credit report and fraud prevention services/security freeze. There was no was to open a dispute other than by mail. The letter will be mailed XXXX/XXXX/16.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
We applied for a home mortgage and our application came back with serious delinquencies and other issues on both my wife 's and my Credit Score Information that was provided by Experian. They are the only agency that reported any issues, none from XXXX or XXXX. 
I went to the Experian website and entered all the information, including my SSN and then was left with a blank webpage with no options and going back in the browser deleted all the sensitive information I had just provided to Experian. They have no way to contact them by phone as every number defaults to the same voice menu. 
My complaint is that I/we have always have excellent Credit and these Experian reporting 's are not just incorrect they are a serious consumer abuse that they have the right to damage consumers confidence in the Credit reporting system and the arrogance to be out of contact when their website does not work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I need to have a past car loan on my credit report changed from a degoratory status to not deregotory

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 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: AL

Complaint narrative:
No Experian free credit report. No number to talk to anyone there. Please help with this. Experian pretends like I 've already checked it, but this is false.

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 2017-01-24 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 requested a copy of my credit report via Annual credit report. I contacted Experian on XXXX XXXX, XXXX to correct inaccurate information. The individual updated all of my personal information per my request ; however refused to delete inquiries though I advised that I had not authorized the inquiries and was unaware who those companies were. The representative from Experian stated that it was MY responsibility to contact the companies who illegally pulled my credit. Though I was upset by this, I did contact each one, that day. They all referred me BACK to Experian because they had no record of my ever applying for credit with them and stated it was Experian 's error. I sent a letter via certified mail on the same day, tracking number XXXX XXXX XXXX XXXX XXXX which they received XXXX XXXX, XXXX requesting again for the erroneous credit inquiries to be removed because I had not authorized them and per FCRA only permissible purpose for pulling someone 's credit was for a firm offer of credit, insurance, employment or court order. This week, I received another letter from Experian explaining what credit inquiries are and they were not removing them. I pledge that I have no knowledge of the following credit inquiries that are erroneously being reported by Experian even after it has been brought to their attention : XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX ( I 've had a savings account with them since XXXX however I did not apply for any new products with them this past XXXX ), XXXX XXXX/XXXX/XXXX ( this should be under promotional because I never applied with them until XXXX/XXXX/XXXX which is supported by the opened account XXXX XXXX XXXX/XXXX/XXXX ( the inquiry on XXXX/XXXX/XXXX was authorized by me when I opened an account this past XXXX, according to XXXX XXXX the XXXX/XXXX/XXXX should be a promotional inquiry NOT a hard inquiry ). 
I am requesting that Experian, immediately remove the aforementioned credit inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 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/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Number Num : Balance {$1400.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, 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 non-monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
They are reporting old address on my credit file that were never mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is reporting inaccurate personal information on my credit report. I tried to dispute it online but it would n't come off. 

Incorrect or Misspelled Names : XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX, VA XXXX XXXX XXXX, VA XXXX XXXX XXXX, VA 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 2015-11-29 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I signed up to check my FICO score at Experian.com. This was supposed to cost {$5.00}. I was then apparently enrolled in a monthly recurring program, and charged a fee of {$19.00} per month. Experian refused to refund XXXX of the XXXX charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I had paid off my auto loan ( for a XXXX Chrysler 200 limited ) over a year ago and I am asking that Ally remove my loan from my reports. Account # is XXXX. I had previously disputed the months they had reported me late and go no response so I am asking that we just remove the accounts from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is reporting on report XXXX account is reporting wrong date of first delinquency. XXXX account was sold/transferred XXXX times. Date of first delinquency for XXXX account, original date is XX/XX/XXXX not XX/XX/XXXX. I have disputed several times and sent documents for support.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion Has illegally shared my report with a auto dealership in Oklahoma, nearly XXXX miles away from me. They will not delete " XXXX XXXX '' or the XXXX XXXX lending inquiries. This violates FACTA, and once again shows TRANSUNIONS ABOVE THE LAW MENTALITY. They then list " Promotional Inquires '' despite just pages before affirming and attesting that I AM OPT-OUT FOR 7 YEARS. THIS COMPANY IS AN ANATHEMA TO THE AMERICAN CONSUMER AND SHOULD BE INVESTIGATED.

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: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MIDCOUNTRY FINANCIAL CORP
State: GA

Complaint narrative:
I am military and I am going through a hardship right now with my wife going back and forth to custody court for her daughter and her father had XXXX her. All my creditors are working with me to get lower payments except for one Pioneer Services. They unwilling to work or budge at and they state that they are in support of the military i have asked many times and contacted them many times with no resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been separated from XXXX XXXX XXXX XXXX since the beginning of XXXX XX/XX/XXXX living with my grand farther in XXXX NC XXXX and never gave anyone permission to sign my name and to commit fraud on my credit. She has signed my name and gave my social security no. to approximately XXXX credit card agencies maxing them out due to looking at my credit report. I have never went back to XXXX XXXX since I left in the beginning of XXXX XX/XX/XXXX. 
Below are XXXX she committed fraud and signed my name ( copied from credit report ). 
Please help me clear up all these credit cards she has committed fraud by using my social security and signing my name and do what you can to prosecute her to the fullest extent of the law.. 
Also she is on probation which should make fraud immediate. Below is her probation office number and name. 
XXXX XXXX XXXX : Probation office number, Name : XXXX XXXX or XXXX. 



XXXX # XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Date XXXX Balance : $ XXXX # XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX : Individual AccountAccount Type : Revolving AccountLoan Type : CHARGE ACCOUNTBalance : $ XXXX XXXX Received : $ XXXX Balance : $ XXXX Limit : $ XXXX Status : Current ; Paid or Paying as Agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I first sent out my disputes to the XXXX CRAs on XXXX via fax and certified mail the same day. I only sent XXXX letter to TransUnion without " additional information ''. This is the way that everyone sends in their disputes. I received a letter today stating that my original letter was received on XXXX/XXXX/XXXX and " additional information '' was received on XXXX/XXXX/XXXX, therefore they have an additional 15 days and that it will be completed on XXXX/XXXX/XXXX instead of the 30 days mandated by law under FCRA XXXX XXXX. This is unlawful ; I never sent anything other than my XXXX letter with identification. They are not allowed to do this. I know many people who have done the same thing and they did not receive letters as such and I have also consulted an attorney and they said this is against the law. They MUST process within 30 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion, XXXX and XXXX have altered my financial records without providing to me any explanation for doing so. As such, I have no idea why Transunion especially, altered my credit records, and as such, I have no way to dispute, if I desired to dispute it, that alteration. On XXXX XXXX, 2016, my credit score with Transunion was XXXX and contained ( XXXX ) hard inquiry. On XXXX XXXX, 2016, for whatever reason ( s ), Transunion lowered my score by ( XXXX ) points? and added ( XXXX ) hard inquiries to my file? XXXX and XXXX did the identical thing. In XXXX, 2016, I filed a complaint against Transunion for the identical conduct and they corrected my record. Sadly, Transunion did not learn much from that complaint, because on XXXX XXXX, 2016, they did the identical thing. This secret altering of my financial records at these XXXX bureaus is adversely affecting my financial security and ability to engage in financial transactions. It has become clear to me that these agencies arbitrarily ( add or delete information to a person 's private records ) without the consumer ever knowing it is being done nor the reason ( s ) why it is being done. You ought to put a STOP to their shenanigans.

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 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I was a victim of Transunion 's inquiry issue. I spoke with Customer service rep from the XXXX call center. Transunion would not help me resolve the issue. 
Here is a list of the inquiries that were affected. 

XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Any assistance in this matter would be greatly appreciated.

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 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
transunion is taking to long to return result of dispute items.

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 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon getting my credit report, I noted an address of XXXX XXXX XXXX XXXX IL on there with a possible loan/store credit card and possibly more obtained/attempted and possibly Utilities use connection using MY NAME. This address is/was my ex-husband and his new wife XXXX XXXX XXXX XXXX and XXXX XXXX. They have tried this before in getting cell phones. I would like more information on what/who they used my info for and what I can do about it Please. These were noted on my Transunion credit report and I am unable to get my XXXX XXXX right away because it shows accounts I do not recognize on there.

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 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I got notice of a judgement from a company called XXXX , XXXX about XXXX years ago for a bill that I had no idea what it was for but by the time I was served with any information they already had a judgement and garnished my wages for the full amount until the bill was at a XXXX balance. I did dispute the bill years ago but it remained on my credit report anyway but as of XXXX XXXX 2016 I just got a notice saying they were trying to sue me again for what i assume is the same bill but still with no explanation of wha the debt was. I paid the bill without knowing what it was for because my wages were garnished but now its come up again. I do not want this to affect my credit for another 10 years especially since they are billing me out of the blue, years later and again ... I have NO KNOWLEDGE what the bill was for.

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