vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANSUNION CONTINUE TO VIOLATE FCRA PROVISION 606 AND 623 OF REPORTING OUTDATED PUBLIC RECORDS AND AUTO LOAN ... ... NOT MY ACCOUNTS

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 2017-02-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I disputed with Transunion around XX/XX/XXXX, about an account with XXXX XXXX stating that the insurance company paid them late, not me XX/XX/XXXX. Which made that account 30 days late. 
But not only was my dispute rejected from XXXX XXXX according to Transunion, they deleted a perfectly good Tradeline from my Transunion report, which lowered my score by XXXX points. It was XXXX XXXX XXXX XXXX a credit card that was deleted. I never disputed this account. 
So I called XXXX XXXX XXXX XXXX to see if a dispute was presented to them in error. 
And XXXX said " no dispute was ever sent to our company From Transunion ". 
So, I think that Transunion did this on purpose. Or error. Which ever one, I need to know.

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 2015-09-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, my name is XXXX XXXX and i have been trying to figure out what is wrong with my information at Transunion. I am unable to receive my credit score/report from them because i suspect that some of my information is wrong with them. I am able to receive my credit score/report from XXXX and XXXX but am unsuccessful with Transunion. I suspect that because of this problem with them i am unable to be approved for credit at numerous locations including retail stores. I have called Transunion countless times and they ca n't do anything about it over the phone. They give me information saying they 're going to talk to their " IT Team '' and there 's nothing else i can do. A lot of time has passed and i have received no response or any information regarding the status of my credit report or why i am unable to get a credit score/ credit report from them. I would like for this to be resolved so i can receive a credit report from them and have no further problems involving wrong information with their bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Ally Auto Loan company kept charging me late fees on a payment that was made on XXXX XXXX, 2015. I contacted them around 7 times and contacted the bank so they can provide a proof of missing payment. They kept saying they did not receive payment nor documentation. Then they said the fax number given to me was incorrect. I previously mailed the proof but they claimed that they did not receive that either. Last phone call they gave me a new fax number which did not even match to the previous faxed number they gave me. Also, They continued to charge fees on a payment which was paid my end and cleared by the bank. I have all the documentations necessary about my payments on my online account with the images of the checks written. However they claimed that they have no documentation from me or the bank.

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 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In XXXX of 2006 XXXX called me in regards to changing my address to XXXX XXXX XXXX XXXX XXXX, IL XXXX. I told XXXX I 've never been to IL so they canceled my card and issued a new card. This address continues to show up on my credit report?? I 've never been to IL and want this address removed because it was a fraudulent address and I 've never lived their. This fraud accorded on or around XXXX/XXXX/06.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I was checking my credit report to make sure that another issue had been resolved and saw this debt had been put back on my report. I had this judgment resolved and then expunged from my record. I will attach a copy of the expungement record.

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 2017-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
1.There is a collections account on my Experian credit report that appears twice but listed under to different collection agency names. Experian claims that its not reporting on my report but that information is false. Company is XXXX with a balance of {$700.00}, XXXX, XXXX XXXX MO XXXX. The other reporting agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX with a balance of {$700.00} This inforation should not be reporting on my report information is not accurate. 
2. Collection recors with XXXX is not correct those bills were paid in full, comcast will not provide service if you owe a outstanding balance. These items should be removed 3.XXXX XXXX bank is reporting my late payments never late with payments. 
4. XXXX reports account in collection, this company filed a judement but never showed up in court to verify account, this item should be deleted from 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 non-monetary relief
Consumer complaint received 2015-06-11 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I signed up for a XXXXXXXXday trial of Experian 's credit tracker product. When I created an account, it asked for my mother 's maiden name. After I registered, it now displays the maiden name on my account page. I am concerned this is not secure because both my XXXX and XXXX accounts were hacked. If someone hacks into my account, they will get my mother 's maiden name. I raised this with Experian and they said they would pass the feedback along, but said there is nothing they can do about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have XXXX complaints. XXXX lowered my credit limit on both accounts from {$5700.00} and {$4500.00} to {$2300.00} and {$1900.00} based upon incorrect credit usage from XXXX. This caused affected my Fico score. It appeared has my credit usage was higher based on XXXX lowering my credit limit. XXXX XXXX XXXX and XXXX is showing higher credit usage by XXXX each. I have disputed with Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 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:
I am listed as having an outstanding debt on a Holiday Gas Card that was opened in XXXX by my husband at the time. I am in a re-financing phase and have been told that I have an " outstanding debt '' with the Holiday Corp., according to the Credit Bureau. I contacted Holiday and, according to the Holiday credit manager, I never was a secondary on the account. I am listed as being " spouse '' at that time, but not a person who could charge and/or who was obligated to pay this credit card debt. I am now an " ex-spouse '' and the account remains open in my ex-husband 's name. I would like my name taken off of this credit card and my name cleared of any outstanding debt with this company.

Company public response: Company 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: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I tried to get my annual credit report from XXXX, but all it said after I filled in my information was the vague : " A condition exists that prevents Experian from being able to accept your request at this time. '' A web search shows that a number of other people have encountered this as well. I 'm not sure whether I should even bother trying phone or mail, since the error message does n't say whether the error is temporary. 

I also tried to contact them on their contact form, and that was difficult since their form rejects line breaks and most punctuation, then kicks you out after XXXX tries!

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: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Inside of my background reflects a offense of XXXX this charge was dismissed and expunged and should not reflect in side of my background.

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 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX has a satisfied collection on my report from XXXX .I contacted XXXX they have no record of bills or contract.please have this removed immediately thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
recently my bank XXXX XXXX XXXX request my credit report in order to give me a loan for a house and appear in the report a bankruptcy.I have never declared a Bankrupcty

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian has a Medical collections recorded on my credit report for my step son. that was paid in full over 2 years ago that they will not remove. 

I understood medical collections was not to remain on credit report. They have refused to remove it, which others have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My Credit report ( s ) are showing a past due unpaid balance on an account that has been paid and satisfied. For several months I have been in communication with XXXX and they promised me they would update my report ( s ) and as of today, XXXX XXXX, 2016, they have not. This situation is compromising my financial position and I want this corrected as soon as possible.

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 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) XXXX of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX in accordance with basel XXXX accord XXXX conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX XXXX, XXXX XXXX and they have failed to do so.

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 2015-12-02 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: LA

Complaint narrative:
I found a problem on my report and asked for an investigation of the charges. They said I could n't use the report number I had because of security issues. I asked for my annual report and they said I had received it. Yet they refused to let me use the number because they have been upgrading security issues they have experienced. Can you please help me get a report with a number they can use?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have sent in XXXX dispute letters and also attached a copy of my driver 's license and current utility bill confirming that the dispute letters are coming directly from me. I then received a reply from Experian stating that they think my dispute was suspicious and that it was not from me. I then called them when i received the suspicious letter to confirm that the dispute letters are coming from me. A few weeks later, I then again received another suspicious letter from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I, XXXX XXXX XXXX, have been ignored by your company for years now and I have been asking patiently and writing certified letters to clear up debt that was not mine and was fraud! No one has had the decency to even respond back. I have included enough information in the letters where you should have cleared my credit report and given me the perfect credit score. I am going to file a class-action lawsuit against your company, the XXXX, the state of New York, the federal government, and every employee. I am no longer asking I am demanding that you clear my credit report and give me my perfect credit score! Under the law of the Fair debt Collection Practices Act ( FDCPA ) ( section 1692g ) and XXXX Administrative Code ( section XXXX ). Please note that XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under XXXX regulations ( section XXXX of the Rules of the XXXX ) verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

Because I am denying the debt, and telling you its fraud, you should not have reported it to the credit reporting agencies. You have already reported it, which is fraud, please notify today XXXX, XXXX, 2016, every credit reporting agencies that these debts have been disputed, they are fraud, and need to be deleted from my tradeline immediately or I am filing class-action lawsuits against every reporting agencies. This information is inaccurate, its fraud, and failing to clear up this matter immediately violates the FDCPA and the Fair Credit Reporting Act. 

Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the XXXX ( section XXXX ) require that you honor my request. Thanking you in advance.

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 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian did not respond via CFPB but instead sent a personal email regarding the dispute and did not properly investigate or validate my dispute rightfully according to the law and according to FCRA rights. Additionally, the XXXX move out letter includes the concession charge back fee as the Early Termination fee, which is clearly stated as {$1300.00}. There is no mention of a concession charge back fee due at a later date. Therefore, the full amount was paid in full. See Attachments.

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 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I notified Experian that an account on my credit report from XXXX XXXX should be removed and they are continuing to report it. XXXX agreed to remove their trade line from my report due to a complaint I made with The Consumer Financial Protection Bureau. I disputed the account with Experian 's on-line dispute process and uploaded the results from XXXX that clearly state the account should be removed Instead Experian is reporting it as a paid account. The letter explicitly said the item would be removed. Experian did not remove the account. I tried to call, but Experian will not accept phone calls for this 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 non-monetary relief
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is what I have written to XXXX and the accounts I am disputing are in 3 separate letters and they have failed to do the following : # 1 properly investigate # 2 provide the documentation made available to me under sections XXXX and XXXX as well as # 3 correct my credit report *Please see the documents that I have uploaded that contain my disputes. 
In part, this is what I wrote to Experian : I have specifically made complaints against you to the Consumer Financial Protection Bureau in regards to your failure to investigate the accounts that I have noted as inaccurate as well your negligence in provided the required documentation I request and made available to me under section 1681 of the FCRA as well as section 609. 
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Pursuant to section 1681 and comments by Congress, I have notified you that these accounts are incorrect and I require that you send me all the documentation that upholds the listing that you have on my credit file. Your job is not to " interpret '' the FCRA - Congress states that this is in clear language that you can not simple repeat what the creditors say and that you must go beyond what you receive from the creditors to determine if what you received is accurate or not. You have not done so and I can see that most accounts were not even investigated :

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 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I went online today to XXXX to check my credit report at Experian 's website. I was enrolled for their credit monitoring service for {$19.00} per month although I did n't want to. I 've always watched carefully so that this does n't happen. They clearly have the website designed to mislead people into signing up without their knowledge. Enrolling in these services should not be automatic because I forgot or did n't see some box at that bottom of the screen to uncheck.

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