vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
RE :  XXXX / Principal  This account was included in a  US  Ch.  XXXX  bankruptcy filing on  XXXX   XXXX ,  2010 , case #  XXXX  The notation in th e Public Records Section  has been removed in the TransUnion credit report HOWEVER The notation of the  XXXX /  Principal   is still showing as an active/open account and derogatory.   Please see attached court docs regarding this case.   This account was included in the Ch  XXXX  filing of  XXXX   XXXX ,  2010  and subsequently discharged per court order.   The allowable time a Ch  XXXX  filing can remain on a credit report is 7 years from the date of filing - which was  XXXX   XXXX ,  2010   (  case  XXXX  ) This account should be removed.  <P/> TransUnion informs the mis-information being provided to them is from  XXXX .  <P/>  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  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 2017-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: DE

Complaint narrative:
i received a pre approved offer from lending club and they turned me down. my understanding is that they need to offer me a firm offer of credit under FCRA. I feel misled

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Credit Agency incorrectly shows a number of late mortgage charge against our account, in all about one year of errors in reporting. There were Zero late charges against our XXXX account in 2016. This is unfair, we attach two pages, a XXXX statement called the " customer account activity statement '' and there are zero late charges on this XXXXXXXX XXXX XXXX Statement.
We are being gravely harmed by the Credit Agency, as this report is stopping us from  getting a mortgage. Their delay has cost us a serious increase in price of a house purchase. Also, an increased payment for 30 years, as interest rates have increased .. A loss of home enjoyment, because at XXXX, this lost time is invaluable. House prices and mortgage interest rates are continuing to increase rapidly in our area of intended purchase.

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 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Credit Agency incorrectly shows a number of late mortgage charge against our account, in all about one year of errors in reporting. There were Zero late charges against our XXXX account in 2016. This is unfair, we attach two pages, a XXXX statement called the " customer account activity statement '' and there are zero late charges on this XXXX XXXX XXXX Statement.
We are being gravely harmed by the Credit Agency, as this report is stopping us from getting a mortgage. Their delay has cost us a serious increase in price of a house purchase. Also, an increased payment for 30 years, as interest rates have increased .. A loss of home enjoyment, because at XXXX, this lost time is invaluable. House prices and mortgage interest rates are continuing to increase rapidly in our area of intended purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Th e Credit Agency incorrectly  shows a number of late mortgage charge against our account, in  all about one year of errors in reporting. There were Zero la te charges against our  XXXX  account in  2016.    This is unfair, we attac h two pages, a  XXXX  statement called the " customer account activity statement '' and there are zero lat e charges on this  XXXX   XXXX   XXXX   XXXX     Statement.
We are being gravely harmed by the Credit Agency, as this report is stopping us from    getting a mortgage.     Their delay has cost us a serious increase in price of a house purchase.   Also, an increased payment for 30 years, as interest rates have increased ..   A loss of home enjoyment, because at  XXXX , this lost time is invaluable.     House prices and mortgage interest rates are continuing to increase rapidly in our area of intended purchase.

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 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have been working on improving my credit score for the last year. In  XXXX  of   XXXX  , I noticed that all  XXXX  of my credit scores from Equifax,   XXXX   XXXX   XXXX   were at  XXXX . The n one  month later in  XXXX    XXXX  , my credit score at Equifax dropped  XXXX  points  in one da y, for no reason. There were no negative or positive changes that occurred on my reports to reflect such a significant decrease in points. This was confirmed verbally from all   XXXX   bureaus. I contacted Equifax again via phone on  XXXX   XXXX  at  XXXX . I spoke with a person who did not identify herself. I explained the situation, and she advised me that the company where I received my credit scores was reporting false informatio n (   XXXX   XXXX   ). I   asked again why my credit score went down so drastically, and that I needed her to walk me through the process of scoring. She repeated herself, and then advised that I needed to purchase Equifax monthly services to fully understand my credit. She said, " the only way you can get your score or understand why your score changes is to purch ase ( our ) monthly plan. '' I asked for a supervisor, who then repeated what the original person said. I spent two hours r esearching, which included the phone call, and got no information or clarity. There was no explanation of any kind concerning my decrease in points. This agency has my life information including any future success I might have on rebuilding my credit. I am concerned with the handling of any personal information this company has and how they conduct business. It is also disheartening that this company refuses to work for the people, instead against them. I will continue to file complaints until there is change.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Plus Inc
State: VA

Complaint narrative:
While checking my personal credit reports which acquired from  XXXX ,   XXXX    and  XXXX , I noticed an inquiry made by Credit Plus.I did not authorized anyone of this company to make inquiry and view my credit report.Credit Plus have violated the fair credit report act section  1681 (  B ) I request that Credit Plus mail me a copy of my signed authorization form that gave them the right to view my credit report so that I can verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of identify the ft in 2010, and shortly after I went through an exacting amount of time attempting to correct and fix this  mess. Experian, more so then the others, was absolutely unhelpful and dragged their feet. After reaching out to private counsel,  XXXX  separate police departments, and the FTC I finally had them rectify the issues. Now fast forward, a illegally opened and FRAUDULENT account has reinserted itself ONLY on my EXPERIAN report.  XXXX  is being reported  XXXX  times and with a balance of  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 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of identify theft in  2010 , and shortly after I went through an exacting amount of time attempting to correct and fix this mess.  XXXX , more so then the others, was absolutely unhelpful and dragged their feet. After reaching out to private co unsel, 3 sep arate police departments, and the FTC I finally had them rectify the issues. Now fast forward, a illegally opened and FRAUDULENT account has reinserted itself ONLY on my  XXXX  report.  XXXX  is being reported  XXXX  times and with a balance of  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Innovis
State: TX

Complaint narrative:
I was a victim of identify theft in 2010, and shortly after I went through an exacting amount of time attempting to correct and fix this mess. XXXX, more so then the others, was absolutely unhelpful and dragged their feet. After reaching out to private counsel, 3 separate police departments, and the FTC I finally had them rectify the issues. Now fast forward, a illegally opened and FRAUDULENT account has reinserted itself ONLY on my XXXX report. XXXX is being reported two times and with a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I would like to come to some sort of closure with XXXX billing, This all started around XX/XX/2016. I joint the XXXX XXXX for life plan,big mistake! It was at that time a free service, in which I was billed 3  payments of $XXXX which I paid! I should never have billed for this service, I contacted XXXX on several occasions I finally received a call from a so called supervisor, Who explained that I should never have billed and I was told that the money would be put back into my account? This never happened, so I stopped paying XXXX until I got it rectified! I have tried numerous times to get this fixed with XXXX! I had tried to contact them online through My XXXX online services, I was repeatedly either disconnected or put on hold. I also called on a land line same result. I even contacted a regional manager who handles these matters for XXXX, again no reply! Needless to say the account was then sent a very unscrupulous collection agency, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX)XXXX, So far they breached my email account XXXX, which I was under the impression was illegal to do? Secondly they run my credit on a monthly basis to keep my score down and report monthly on my credit report, again which is illegal,and these reporting agency's do NOTHING TO STOP this! I have also contacted the Federal Trade Commission on this matter reference number: XXXX 
I am also contacting a Lawyer to see if I can start a class action law suite! Against the credit reporting agency's and this so called professional collection agency! After doing online research it seems that I am not the only one that has issues with XXXX  Billing practices!

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 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I would like to come to some sort of closure with  XXXX  billing, This all started aro und  XX/XX/2016 .  I joint the  XXXX   XXXX  for life plan, big mistake! It was at that time a free service, in which I was bille d 3  payments of {$380.00} which I paid! I should never have billed for this service, I contacted  XXXX  on several occasions I finally received a call from a so called supervisor, Who explained that I should never have billed and I was told that the money would be put back into my account? This never happened, so I stopped paying  XXXX  until I got it rectified! I have tried numerous times to get this fixed with  XXXX ! I had tried to contact them online through  XXXX   XXXX  online services, I was repeatedly either disconnected or put on hold. I also called on a land line same result. I even contacted a regional  manager  who handles these matters for  XXXX , again no reply! Needless to say the account was then sent a very unscrupulous collection agency,   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX , So far they breached my email account   XXXX   XXXX   XXXX  , which I was under the impression was illegal to do? Secondly they run my credit on a monthly basis to keep my score down and report monthly on my credit report, again which is illegal, and these reporting agency 's do NOTHING TO STOP this! I have also contacted the Federal Trade Commission on this matter reference number :  XXXX  I am also contacting a Lawyer to see if I can start a class action law  suite ! Ag ainst the credit reporting agency 's and this so called   XXXX   XXXX   XXXX  ! After doing online research it seems that I am not the only one that has issues with  XXXX   Billing  practices!

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 2017-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  TALBOTT, ADAMS, AND MOORE INC fo r reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
On  XXXX / XXXX / 17  I lost access to my account with Coinbase. I became unable to login to the account as  Coinbase  has stopped sending me verification emails. No problems exist with my email account itself. I filed a support ticket and attempted social media contact on  XXXX / XXXX / 17  ( and since ) and have received no response from any human support representative. I am unable to turn off or on existing recurring transactions, view my balances, or move any of my existing assets out of the account. I would like to resolve these issues and continue doing business with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have had accounts opened in my name fraudulently. It has been ove r six  months, and this company and collection agency have done nothing to help or communicate. The collection agency on my report says  XXXX ,  XXXX , AND  XXXX  but the address is wrong because mail gets returned. When I  XXXX  them, there is an entirely diffent name listed on the their website. Says  XXXX ,  XXXX , and  XXXX . There is no way Equifax has verified accuracy with a company listed as  XXXX  name and then double reported as another amount, but I know they keep items on consumers credit reports because the collection agency pays them too. Why else would n't this clearly not just fraudulent but inaccurate credit item not have been deleted yet?? Look at my evidence uploaded and your see same amount, but differnt account numbers and its double reported. I 'm hoping to get this resolved so I can move on with my life.     Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have had accounts opened in my name fraudulently. It has bee n over six m onths, and this company and collection agency have done nothing to help or communicate. The collection agency on my report says    XXXX   XXXX   XXXX   XXXX   but th e address is wrong because mail gets returned. When I   XXXX   them, there is an entirely diffent name listed on the their website. Says   XXXX   XXXX   XXXX   XXXX   . T here is no way  XXXX  has verified accuracy with a company listed a  s  XXXX   name and then  XXXX  reported as another amount, but I know they keep items on consumers  credit reports because the collection agency pays them too. Why else would n't this clearly not just fraudulent but inaccurate credit item not have been deleted yet?? Look at my evidence uploaded and your see same amount, but differnt account numbers and its double reported. I 'm hoping to get this resolved so I can move on with my life.     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 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been battling with a few old student loan collections that should n't have been reported as such because I was not out of school and servicer knew that and did n't communicate to other departments. This balance was handled with a new transfer, and I had disputed with the credit bureaus, and they either did n't investigate, or they did but did n't update and remove the collections. Through Equifax, they even  have  XXXX  of my collections listed as " medical ''?? but they " verified it,    XXXX    '' and there was a " key derogatory '' that showed  XXXX  times in 2016 ev en though this account was handled years prior. Very odd and this is keeping me from buying a house. I 've attached letters and info. Thank you so much for helping

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ERC
State: MI

Complaint narrative:
I previously had a relationship with  XXXX  and ended it. They transferred my account to some collection agency, unannounced to me. Me and that prior company had arrangements and they removed it from my credit file. Now fast forwarding, I received an alert t hat Enhanced Recovery Company added ne gative information to my credit file. They never made an effort to send me a notice, call me or make some form of contact prior to adding this to my report. I have called this company 3 times in effort of resolving this and nothing. They simply have no resolution and the the agents that I speak to are rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been battling with a few old student loan collections that should n't have been reported as such because I was not out of school and servicer knew that and did n't communicate to other departments. This balance was handled with a new transfer, and I had disputed with the credit bureaus, and they either did n't investigate, or they did but did n't update and remove the collections. Through XXXX, they even have XXXX of my collections listed as " medical ''?? but they " verified it, XXXX '' and there was a " key derogatory '' that showed two times in 2016 even though this account was handled years prior. Very odd and this is keeping me from buying a house. I 've attached letters and info. Thank you so much for helping

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