vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: D&A Services, LLC
State: MI

Complaint narrative:
The action of the debt collector is on a expired statute of limitation greater than XXXX XXXX XXXX. The debt collector acts as fourth party to collect debt, originally XXXX, then XXXX XXXX ( acquired XXXX 2011 ), then indicates current creditor is XXXX XXXX XXXX XXXX XXXX ( debt collector under Federal law is not : A creditor ), and fourth party debt collector D & A Services seeks to collect on the " Re-Aged '' debt. The debt is not owed and the debt collector can not act as " Creditor '', violating Fair Debt Collection Act

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My husband and I have a credit card through Chase. On XXXX/XXXX/15 I set up an automatic payment of the balance due each month through Chase 's website. I received confirmation that Auto Pay was set up from the XXXX/XXXX/15 bill going forward. I then received a phone call from Chase saying that my bill was overdue and unpaid on XXXX/XXXX/15. After speaking with customer service, I discovered that my payment did not go through for some reason, although Chase could n't explain why. I made a payment through Chase 's website on the same day and corrected the banking information they had for the next auto pay. When I received my next bill, it said in bold letters " Auto Pay is ON. '' I called Chase Customer Service on XXXX/XXXX/15 and they confirmed that Auto Pay was on. I therefore did not schedule a payment through my bank for the next bill cycle due XXXX/XXXX/15. On XXXX/XXXX/15, Chase Customer Service called my home and told my husband the bill had n't been paid, said he " was a deadbeat '' and " had obligations. '' This same day, I called Customer Service back and they told me that Auto Pay was NOT on, and had been deleted on XXXX/XXXX/15, although Chase did not avail itself of any of our contact information to inform us of this. Chase refused to credit the {$25.00} late fee, so my husband cancelled the card and I scheduled a payment of the full balance due through my bank. I am requesting a refund of the {$25.00} late fee since this was an error that I thought was previously resolved. Chase 's collections department should not be calling customers " deadbeats '' when they have been paying their bill IN FULL, every month for years until trying to use their ridiculous auto pay service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In the personal info page, there are XXXX addresses where I have never lived or had any family member lived there XXXX , XXXX and 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 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX sold my credit card balance to a debt buyer XXXX, whom I immediately paid. Subsequently, XXXX purged the account history from my XXXX and XXXX credit reports, but left it in my experience as unpaid. It is impacting my ability to get a car loan and refinance my high interest debt. 
I believe XXXX should remove the account from my experience credit report as they did with the other XXXX bureaus because there is now way to retroactively represent what actually took place and the current reporting data is not correct.

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 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX : Account was Paid in full and it was agreed to be deleted from the credit bureau upon full payment. It is still appearing on the credit and with a balance. Please correct.

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 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Sent Experian valid police report and they verified the account under a fraudulent address. They then deleted the fraudulent address : XXXX XXXX XXXX XXXX, XXXX FL XXXX. 
I requested the account be re-disputed as fraud now that my credit report is correct, and they stated they will never dispute the account again even with that change. To contact the source. 

I am requesting that they start a new investigation.

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 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
When I requested my free credit report from Experian, I paid what I believed to be a {$1.00} fee to obtain my XXXX digit credit score. What I did not know was that Experian also enrolled me into a {$21.00} monthly " membership '', which I still do not even understand what the purpose was. I was charged for two months service without noticing the charges, and finally noticed and requested a refund. The company took several days to respond to my request to cancel the membership, and only refunded XXXX of the XXXX charges.

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 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I have a student loan with University XXXX that has had XXXX dollars foegiven as part of a XXXX forgiveness and is in defirment currently. On transunion it is stilll reporting as in collection and for XXXX. When it is current and is only XXXX. I have disputed multiple times to get it fixed to get a response that it has been confirmed in the wrong status of in collection and for XXXX. It is reported correctly on my other credit reports. I call XXXX and they state they are reporting it correctly. I am trying again with print outs from XXXX but this is now my XXXX or XXXX dispute with transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services
State: FL

Complaint narrative:
I notified Clarity Services, Inc., FEI/EIN Number XXXX about my credit being pulled over 10 times with no response. I emailed them a disclosure form to release information to me only to receive a consumer credit report with no explanation of why or who they pulled my credit for. I have only authorized one company to pull my credit and that is XXXX XXXX to which I received a credit card. i have not authorized Clarity Services to ever pull my credit or anyone else other than XXXX XXXX. 

I have continued to contact and leave my information with Clarity Services only to be ignored. This company was fined XXXX dollars for this type of behavior and it seems they are continuing to act in an illegal manner by pulling my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 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:
The account from XXXX XXXX XXXX was removed from my report. I just looked at it, and it 's back on there!!!!! I WANT IT OFF LIKE IT WAS AND TO STAY OFF!!!!!! I am NOT paying for a Credit Card that was n't mine!!!!! I 'm an ID Theft Victim!!!!! The account in question was under my maiden 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 2016-07-18 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.
State: NY

Complaint narrative:
I went to XXXX and requested my Transunion report. The process took me to Transunion 's website, where I could not view my credit report. I tried to do the process again, but the site told me it could not give me my credit report because I had already requested it. When I tried to contact their customer service, everything was set up for different inquiries and there was no way to chat with the people except over phone which I did not want to do in my office.

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 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My identity was stolen beginning in XXXX XXXX 2015 in which an individual ( s ) attempted to open multiple lines of credit in my name with out my consent. I reported this to the XXXX main credit bureaus some time around XXXX 2015. I still have XXXX credit inquiries on my credit report that are a result of the identity theft issue. I need those removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had the item removed from my credit report in 2014 due to the fact that the collection company re-aged my account then the agency put it back on my report without notifing me or correcting the information I have disputed this information numerous times to no correction or removal

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 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
CONSUMER : XXXX XXXXCOMPLAINT : TRANSUNION AND ALL CREDIT AGENCIES1. I AM TRYING TO BUY A HOUSE2. I TRIED TO GET MY FREE CREDIT REPORT AND WHAT MY FICOSCORE ISA : THEY CHARGED ME $ XXXX : THEY BILLED MY XXXX XXXX CREDIT CARD ANOTHER {$29.00} JUSTTO GET MY INFORMATION FREEITEM1. I THOUGHT ALL CONSUMERS RECEIVED A FREE CREDIT REPORT2. I THOUGHT TRANSUNION COULD NOT STEAL ANY MONEY FROM US. 
THEY STOLE FROM ME AND SAID, XXXX XXXX SO WHAT, YOU HAVE NO CONUMER RIGHTS WITH TRANSUNION. WE CANSTEAL ANY AMOUNT FROM YOU, IS THIS TRUEITRM1. I CANCELLED MYSERVICE TODAYAND SPOKE TO XXXX, EMPLOYEE NUMBER # XXXX AT TRANSUNIONXXXX-XXXXORDER # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are XXXX accounts that are reporting a bill past due twice same date, same ammount. But it 's on my credit report 2 times. Ist is XXXX for XXXX dollars. The 2nd is XXXX XXXX these are on my report twice each. do I owe these twice or do I owe these once.XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This account is being reported as 120 days late and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/XXXX. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/XXXX. You can clearly see on the attached info from XXXX that the payment status switched to XXXX in XX/XX/XXXX. This account went into default and was transferred to XXXX. This does not constitute a payment and this account is being reported past the 7 year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX on several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. Please delete this account immediately from my credit 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 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion had a computer glitch and removed all of my inquires and a week later put them back on, with out informing me. By law they only have 5 days to inform me and since they did not they broke the law.

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 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
There is no means on any of the bureaus to dispute the inaccurate balance showed on this item. My reports show I owe more than {$1900.00}, when in fact I owe {$0.00}. I am trying to buy a house and this inaccurate record is standing in my way.

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 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I send a certified letter to the creditor to this addresse ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to obtain a written verification documentation concerning the account dispute. sixty days pass without a response from creditor. I joined a copy of the letter to XXXX XXXX XXXX and asked Transunion credit report to investigate and the result came and state remain .the creditor keep updating monthly the account as charge off. after several call to the creditor they finally said that the account is transfer to XXXX collection agency since XXXX 2012. I wrote to Transunion again asking them to prove how their investigation was done and they should delete inaccurate information on my credit file. Transunion responded that the information is corrected and will remain. I need Transunion to delete or update the inaccurate information on my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TransUnion had an incorrect item deleted from my credit report, see attached, Then they confirmed it, sent me notice, provided a new updated report and then secretly put it back on my credit and did not notify me within the five days they intended to do so, a clear violation of the FCRA 's, 5 day notice rule 15 USC 1681, AND ... In addition they did not notify the other CRA 's as required under 15 USC 1681 611 ( a ) ( 5 ) ( b ) see attached,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I am ally bank customer - checking and savings bank account. I scheduled a Bill Pay facility to pay $ XXXX to my spouse who is also having Ally bank account. Check was supposed to be delivered on XXXX XXXX, 2016 but it never happened. Moreover to my surprise the $ XXXX was debitted from my account on XXXX XXXX, XXXX how come that is possible? Firstly check should be delivered on time. Secondly money should come out from my account only when the receiver en cashed it? Moreover even when receiver deposits the check into his account it will take 3-5 days for the entire money to be available in his account even when it is ally to ally transfer. So why ally is in a hurry to take money out of my account so early - much before the check is reached the received? I am writing this on XXXX XXXX, 2016 morning. As of now receiver has n't received the check which he is suppose to receive by XXXX XXXX, 2016.

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 2016-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I have submitted this case before. This is what TransUnion responded : Trans Union said : Explanation of closure The Fair Credit Reporting Act allows chapter XXXX bankruptcies to be reported for 10 years from the date of filing. Under the guidelines of the Fair Credit Reporting Act, we will not reinvestigate the item unless you can provide new information such as court papers that explains what information should be updated. You may add a Consumer Statement of XXXX words or less to your credit report or contact the court directly. Contact information for each creditor is provided on your credit report for review. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report. 

Response We have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX California Federal Court was notified of your disputes. In response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to you for review. Currently, California Federal Court chapter XXXX bankruptcy # XXXX reflects a dated filed of XXXX XXXX, XXXX and an estimated date of deletion of XXXX XXXX. TransUnion reviews and considers all relevant information you provide, and we either will make changes to our report based on the information you provide, or we will investigate your dispute by contacting the source of the information. For public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly. Changes made to your credit report are reflected on the investigation results that are sent to you at the conclusion of our investigation. If you have any questions regarding the results of the investigation, please contact the court directly. Please also note that the documentation submitted from XXXX does not address your dispute and can not be used to update your TransUnion credit report. 

I went to the Bankruptcy Court On Line Site, " Pacer '', and entered all the details several times under my Social and It Came up as, " No Records Found '', so in fact it does not exist in any court records. As I stated before they refuse to verify this listing as it has been taken down and was listed in error. Please see the attached document that is from the XXXX, Online Court Site.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I have disputed a lien in the State of California to Transunion, XXXX because the lien has been satisfied and released but only XXXX has changed the status on the credit report to reflect the true status. Transunion refuses to change to the correct status. Copy of the XXXX change is attached.

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