vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Delbert Services
State: FL

Complaint narrative:
I took out a loan over the phone with XXXX/Delbert & westernsky for XXXX at a monthly payment of XXXX a month but after 6 months they said I still owe XXXX and they also put it on my credit and they are not even license my husband had past a way and that left me in a bad financial burden but I did pay them what I borrowed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I received a settlement letter from Ad Astra Recovery Services for a payday loan through XXXX XXXX stating that they were willing to settle with me on a past due balance. I contacted them and they agreed upon the settlement. I asked during the settlement process if the items could be removed from my credit report. The representative stated that it is n't something that they normally do, but she would check with her supervisor. She came back to the line and stated that her supervisor agreed to remove the account from my credit and o should see an update within 30 days. This happened in XXXX 2015 fast forward to today and the item still is n't removed from my credit reports. I called in today and spoke to XXXX who said that she did n't see the notes where the account would be removed, I asked if the calls were recorded and she said yes. I asked her to listen to the call. She put me on hold, and said she needed to speak to her supervisor. She then came back to the line and said her supervisor looked at the notes on the account and said she did n't see any notes supporting what I was telling her. I then asked well I thought you were putting me on hold to listen to the actual conversation because that would supersede whatever the rep documented if she told me one thing and then documented another. She came back to the line and said she was transferring me to the supervisor. I was instead sent to voicemail.

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 status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have written Transunion for help but to no avail. XXXX XXXX # XXXX is showing in the payment history as a recurring chargeoff/collection. This is inaccurate, it was a repossession.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Pacific Union Financial, LLC
State: PA

Complaint narrative:
I lost my job of 6 years on XX/XX/2016. I contacted my mortgage lender, Pacific Union Financial to discuss options. I applied for the loss mitigation almost immediately. After being contacted by Pacific Union a few times for clarification on some of the multiple documents that were requested of me to prove my current situation, I eventually received confirmation from Pacific Union that my loss mitigation package was complete on XX/XX/2016. They communicated to me that it would take 30 to 45 days to review and make a decision on my loss mitigation approval. 
It has been 66 days with no update on my loss mitigation approval. When I called yesterday I was told there are no guarantees.. 
I continue to receive loss mitigation paperwork in the mail from Pacific Union Financial advising me of the very option I applied for over 3 months ago. I 'm finding the entire process and lack of communication completely unacceptable. I need an answer and should have had one by now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has negative account items listed on my credit report from XXXX XXXX, XXXX XXXX, and XXXX. These accounts are not mine. I do not owe these companies any money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX merged my account with a woman who has almost the same name as me and she opened a auto loan that is showing up on 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 2015-06-05 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Delbert Services
State: NM

Complaint narrative:
This is my XXXX complaint about Western Sky Financial. I got a call from their thrid party company a man name XXXX XXXX leaves a voice mail saying he is coming to my house with the sheirff deparment to serve me documents on a case against me, they called froma XXXX on the voice mail he told me to call a XXXX XXXX, I am sick of these low life people and their tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a XXXX XXXX item on my Transunion and XXXX credit reports listed as " charged off as bad debt '' and showing a balance of {$280.00} and past due of {$100.00}. This account went into default in 2000, date of last payment is XXXX XXXX, 2000. There has not been any activity on this account since 2000 which far exceeds the 7 year reporting period. I have disputed this account with both credit reporting agencies and both come back with no explanation except that it a valid account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Trans Union Shows this address and its not my Address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31 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: IL

Complaint narrative:
I made a request for my Credit report, and the Co. said they did not send it to my home address. 
Enclosed is my Bank Statement please send a free copy of my Credit report to me.

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 2017-01-20 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: CA

Complaint narrative:
TransUnion denied a copy of my free annual free report, despite my last free one being dated XXXX XXXX, 2015. Instead TransUnion sent a latter requesting payment of {$8.00}, or alternatvely sending a request to Annual Credit Report Request Service. The latter is what I did already, along with copies of my driver 's license and social security card.

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 2016-06-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XX/XX/XXXX- XXXX car loan for my spouse ( XXXX ) age XXXX since many yrs of hardship. Good income, job stability of 2yrs & cleaned up credit since XX/XX/XXXX bankruptcy filing which was paid off early. Dealer ran so many credit apps ( ding ) & ended with Ally car loan@11.95 % rate. Letter from Ally 3wks after having car that loan denied. Called Ally with being assured loan is ok. Payment of XXXX/mo & most is going to finance charges. Really??? 11.95 % interest. Scammers on minority people!

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 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is reporting incorrect information on my credit report. I have XXXX accounts with XXXX. ( XXXX ). I have sent in proof from XXXX that these accounts were never paid late and they should be listed as accounts that are satisfactory. I also have XXXX collection accounts on there that do not belong as I was on Medicare at the time and Medicare told me they paid these XXXX bills. Now they are in collection. With this incorrect information on my report is affecting me in obtaining credit and affecting my credit score. I have contacted transunion to dispute this several times and am being told that they can not re-dispute this information. So am I just suppose to have this wrong information keep reporting on my report and have it affect my credit score? This is completely wrong.

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 2016-05-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i have excellent credit just check my report using Trans Union they are XXXX creditor on my report all my application got turn down from these creditor trans union say i should call and ask for a deletion letter i call but keep getting redirected

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 2015-12-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Trans Union, XXXX are reporting a {$93000.00} dollar deb in my credit reports and this is a mistake make by the child support system. After a lengthy proses trough the court systems I was able to correct this problem and the judge finally signed the order to remove the deb. So since XXXX XXXX 2015 my balance is {$0.00}. but this above mentioned credit agencies refuse to remove the information from my credit file despite my efforts to provide copies of the original court orders and XXXX requests to remove it. They just do n't care. Trans Union have the information twice on the same report making my XXXX XXXX X XXXX = XXXX this is what creditors see when I apply for credit that I have an outstanding debt of {$180000.00} and this is impairing me from buying a house or a car. 
I am writing the CFPB as my last resource of dealing with this credit agencies. Please help me with this problem. 
Thanks. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX of 2015 I discovered that I had been and continue to be a victim of identity theft. I then reached out to each reporting agency ; TransunionXXXX to get a copy of my most recent/updated credit report so as to find and then dispute any information that would be deemed either inaccurate or of a fraudulent nature. I have called and spoke with over XXXX represenatives ' within Transunion 's Fraud department through the past months including XXXX supervisors in disputing multiple accounts on my report. Through out this process, I have also tried to dispute over XXXX fraudulent inquiries to which Transunion adamantly refuses to dispute with these companies on my behalf. They claim that Transunion views an " Inquiry '' as statement of fact and therefore refuses under any and all circumstances to remove said inquiries. I have had multiple fraud alerts and even an extended fraud alert currently on this report in addition to it being " Frozen '' for the past couple of months. There is no question and even Transunion has deemed this " indisputable evidence '' of identity theft yet they still refuse to help. Also, I currently have ( XXXX ) medical collections to which I have disputed numerous times and even now Transunion will not allow me to further attempt any more disputed with these companies under any parameters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14 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:
In attempting to verify my identity the XXXX credit agencies use information from my relatives then hold it against me that I do not know the answer. Transunion is the biggest culprit of this, where it is at the point that I am unable to get my own credit report due to their clerical incompetence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
When I went to purchase a car at a dealership I gave specific instructions I would be financing the vehicle through XXXX XXXX XXXX. Without my permission the dealership shopped the loan at XXXX additional lenders on XXXX XXXX, so a total of XXXX hard inquiries were added to my Transunion Credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been disputing information for 6mths or more and cant get correct updated information. I have submitted documentation to support the investigation. yet it opens another dispute. XXXX XXXX account should be removed from all XXXX bureaus. in addition to XXXX should also be removed from credit report. I have accounts that where settled and close that are reporting open and due. I have an XXXX account the went to collections that has since been rectified by att that I have to wait to have it removed,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Experian XXXX XXXX reported that my XX/XX/XXXX payment on my XXXX XXXX XXXX lease for a black XX/XX/XXXX Sorento was 30-60 days late. The attached shows that I do not have a payment due until XXXX XXXX and that I paid the payment due XXXX on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX and the payment due on XXXX was paid on XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
This account has past the XXXX year mark and has n't been removed off of my XXXX report. It has been removed from XXXX. But still remains on XXXX. By law it has exceeded the time that is allowed to be on my report. Thank you for your help in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
Creditor reports payment plan with XXXX balance, when all was cleared 15 months ago through bankruptcy reorganization discharge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This account was open in XX/XX/XXXX and the last year of activity was XX/XX/XXXX. XXXX XXXX is providing false and misleading information to credit bureau stating that this is a new account. I have requested a signed contract and a bill of sell from XXXX XXXX ( Information has never been received ). The account was not reviewed by the collector or the credit bureau. As a consumer it is my right that items on my credit report be correct. I also have right to proof of sell to XXXX and permission before my private information is sold to an unknown collector. It is the credit bureau responsible to investigate and make sure credit information correct. I know that my claim has not been investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
We paid for a one-time credit score from Experian and were signed up for a recurring service without our knowledge. Our account numbers are XXXX and XXXX. We are asking for a refund of all charges ( two months have not been refunded at this time ) which are {$19.00} for two months for XXXX people - approximately {$80.00} total.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I experienced a potential identity theft which was made evident when I tried to file my Federal Income taxes electronically on XXXX XXXX, 2016. The IRS told me there was a duplicate submission for my SSN, and I had to follow an alternate filing process. I established a 90 day fraud alert with the XXXX credit bureaus per IRS instructions. I erroneously also added a credit freeze at Experian, which I am trying to remove. The problem is that I ca n't talk to anyone at Experian and they will only ; let me unfreeze the freeze by using their automated system and paying a fee. I read on their page that there is no fee, in my state ( NY ), if the person is a victim of identity theft. I have been trying to get in touch with them for over a week now ( via their web site and email ) and there is no response. It 's like they are a monolithic corporation. It 's not so much the dollar amount, but the principle of it. .... the law allows me to unfreeze my credit at no charge, yet Experian is making that virtually impossible. By the way, they provide no individualized email or phone customer service, from what I can see. Hopefully, I am wrong about that but, that, in itself, is alarming. What about people who have more serious problems? 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 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted Experian on multiple occasions with regards to an unknown XXXX account reporting on my credit file. I have never opened an account with XXXX. Please have Experian remove this account from my credit file. I have informed Experian that I had been a victim of identity them and they continue to ignore my request to remove this account from my credit file. I need your assistance in getting this matter resolved once and for all.

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 2016-05-07 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:
My Name is XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX, this agencies have given out erroneous information.My creit rate for loand etc has risen due to their false data.. please investiage thes agencies under my name.I 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 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Multiple hard inquiries on my credit report for a XXXX account that is lowering my score. Have disputed numerous times and can not get removed. I did not authorize these multiple inquiries. I do not have a XXXX 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