vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I paid off my account in full on XXXX/XXXX/XXXX and Ally Financial sent me the title to my vehicle 5 days later. On XXXX/XXXX/XXXX I received an alert from my credit monitoring agency that Ally has reported they are in the process of repossessing my vehicle. I called Ally and they confirm the vehicle is paid in full and there report was sent to the credit bureau in error. While on the phone with the rep. he says he submitted a dispute with the XXXX credit reporting agencies. Dispute confirmation # XXXX and that it will be resolved and I should get a response within 7 business days. 
On XXXX/XXXX/XXXX - Check checked my credit monitoring profile and discovered that Ally Financial reported on XXXX/XXXX/XXXX to XXXX ( and perhaps the other agency ) that they repossessed my vehicle on XXXX/XXXX/XXXX. 

I called filed a complaint against the credit bureau with CFPB straightaway as I could not get anyone their to discuss this issue with. 

Immediately after, I called Ally Financial and explained the situation to the american rep. She checked my file and discovered the dispute # XXXX filed with the credit bureau ( s ) last week by their rep. was filed incorrectly as they did not received a confirmation. She offered to resubmit it today. I requested to speak with a manager as it is quite clear to me at this point that the employees at Ally Financial are incompetent. I was told a mgr. is not available and that one will call me back within 24 hours. First they send erroneous information to the credit bureau, then they were not efficient in disputing the information with the credit bureau. I will contact my local T.V. station ( XXXX ) and my local newspaper and notify them of this issue including the fact that I have submitted a complaint with you the CFPB on XXXX/XXXX/XXXX at XXXX XXXX pacific time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I originally had an account with XXXX that was closed more than 8 years ago. The account was sold to XXXX. I settled the account for XXXX XX/XX/2016. I notified TransUnion to update my credit profile on XX/XX/2016 using the XXXX XXXX direct dispute and Transunion states that they concluded their investigation on XX/XX/2016 and that the account would remain open with the original balance of {$550.00}. They need to correct the inaccurate information on my credit report immediately. I have attached the XXXX XXXX Settlement Statement to this complaint.

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 2016-07-09 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 continues to report inaccurate and outdated info on my credit report. They refuse to remove data even though I have provided proof it 's incorrect. After them denying me and me coming back several times with different evidence, forcing them to update my report and even though they have continually victimized me, they continue to make it as hard as possible for me to get my report updated to accurately reflect my information. They following data is inaccurate and should be removed! Address ( es ) : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - They have my current address and it 's apartment XXXX! - Employer Name XXXX - I have never worked here - XXXX XXXX - It 's not mine AND it 's more than 7 years old! XXXX - I never authorized or opened this account. XXXX - I never opened authorized or used this account. The following inquiries are fraudulent and NOT the result of fair use - XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX. PLEASE stop ruining my life and reporting this inaccurate data! Transunion is very sloppy in their verification process. They have previously marked info " verified '' on numerous occasions and I came back with letters from the company saying the data did not belong to me. PLEASE make them do better.

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 2015-10-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RR Resource-Recovery
State: NY

Complaint narrative:
R R resource company continues to report a debt that does not belong to me on my credit. I have sent numerous letters for them to correct this and refuse. The original creditor will not even respond to my letters. This is a account for a ambulance service that I never used. I never was in a ambulance during that year nor was my children. We have never had a lapse in health care coverage in 15 years as well. During the time the are reporting as well. I have asked for documentation to prove the basis of the debt and I get nothing but a bill from the creditor. If this was a service we would have used it would have been billed to our insurance. But we did not use the service at all so this doesnt apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: Account Discovery Systems, LLC
State: CA

Complaint narrative:
Debt collector left messages for me and my sister this morning. Although I have an XXXX area code, I am currently residing in California and received the call at XXXX. The message simply stated they were trying to contact my mother, with no indication that they were a debt collection agency. My mother is currently suffering from an incurable illness, and both me and my sister immediately assumed this was a health issue with the vagueness and urgent tone of the message.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
In XXXX 2015 I was being over charged for data with XXXX XXXX account XXXX I changed service and went to XXXX who had unlimited data. I contacted XXXX in regards to a tablet that at store I was told I could cancel any time. I received what I thought was a final statement in XXXX and paid it. I heard nothing from them until XXXX 2015 when I got a bill for for {$500.00}. I was in total shock I contacted the office several times and no one could give me an answer. one representative told me the tablet had never been canceled and that was the fee. I said why did n't I get a bill she did n't know. Another said it was for the equipment fee for number ending XXXX. I ASKED WHY WAS N'T I CONTACTED BEFORE AND WHY NO BILL. SAD TO SAY I got no where. Then I said it all should have been stopped on XXXX XXXX. Now I get a collection letter from Convergent out sourcing say I owe XXXX and refuse to listen to me. I am willing to pay for the remaining balance on equipment on XXXX/XXXX/15 but not all these monthly fees when I canceled it all on XXXX/XXXX/15 can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Experian is taking too long to send negative account results

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 2015-04-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear XXXX : I would like to report of wrong information about my name and social security number As reported by Experian Credit Agency XXXX 
( 1 ) they have posted wrong social Security Number on my report. The number they have posted for last XXXX digits XXXX are not mine. 
( 2 ) they have reported my another name as XXXX XXXX. That name does not belong to me at all. I have never ever changed my name. My real and original name is XXXX XXXX And as such they have accepted collection charges from unauthorized agency and posted on my report. 
May I ask your help as how can I get this corrected. In spite of my disputing these points With Experian, they have not taken any action nor they have responded. 
Thanking you 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 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was recently taken by a felon con artist. I discovered that he used identity theft as a means to clear his credit history. I tried to call all XXXX credit reporting agencies to let the know and so they would remove the fraud protection from his credit check. By fraudulently saying his identity was stolen his is able to continue his fraud and criminal behavior. They should remove the alert and press charges against him. They should also include that he has not paid the attorney fees or costs as ordered by the court of California.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 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: DC

Complaint narrative:
XXXX ca n't provide my Experian free annual credit report on-line. No reason is given ; no fix time-frame is provided. There site lets me send them a complaint but it does not ask for my email, so there is not way for them to respond on a timely basis.

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 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The credit reporting agency continues to show inaccurate or erroneous information on my credit report, which has impeded my ability to secure the most favorable credit terms on credit cards, etc. 

The following are a list of inaccuracies/erroneous statuses still showing on my credit report:1. ) XXXX XXXX XXXX, XXXX shows a late payment status. As per my last complaint, and the documentation to go with that complaint, it is XXXX that has mis-managed the escrow, and as a result, caused the account to fall behind. I have always paid according to the agreement ( s ) I 've had with XXXX. 

2. ) XXXX. This account was never opened under my social security, yet the credit reporting agency continues to allow this inaccuracy to remain on my account in violation of the Fair Credit Reporting Act, et. al. 

3. ) The education loans have all been cancelled/forgiven, and thus, should be removed from my credit report. 

4. ) Any inquiries, XXXX or more years old, should no longer be showing on the accountFinally, there should be no new accounts, except a car loan via XXXX XXXX, showing on my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the issue regarding XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX with Experian in XXXX. XXXX XXXX has been contacted several times regarding the fraudulent reporting of a debt that they deceptively contrived due to misrepresentation of a sales person that we tried to contract with. We were told we could discontinue service at any time and the agent we were working with was actually using the credentials of her husband. The fraudulent agents are no longer emp [ loyed by XXXX XXXX XXXX XXXX due to their illegal, fraudulent methods of " slamming '' people into contracts. I 've asked for the erroneous " hard hits '' to be removed from my credit report on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and yesterday XXXX/XXXX/XXXX only to be told by XXXX XXXX supervisor XXXX XXXX that they were going to pursue litigation. The fact that these swindlers have exaggerated the amount due and that they continuously harass me by hitting my credit report should be unlawful. They have written to me and I have responded within 30 days with certified mail of them receiving my documents and STILL continue to ignore the fact that they are chasing an illegal, fraudulent, exaggerated amount of debt. I ask that these people get reprimanded for their abusive harassment of my credit and my time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FRESNO CREDIT BUREAU
State: OR

Complaint narrative:
Creditors Bureau USA has contacted me several times regarding a debt I supposedly owe to XXXX in California. I have asked for verification of the debt such as an order form, doctors authorization, and whether it was submitted to my insurance company if it was a legitimate service, but all they send me is a computer printout saying that is the validation of the debt. I live in XXXX, my doctor is in XXXX, and I find it odd that a California laboratory would be involved in my care. If it was however, they should have submitted it to my insurance and contacted me immediately if there was a problem. Their bald assertion that I owe this money and that it is up to me to prove that I do n't is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Items purchased at a XXXX XXXX department store were charged to my credit account, by an individual unknown to me and, of course, not authorized by me. I notified XXXX XXXX as soon as I received the bill, and completed their fraud affidavit. They sent a copy of the transaction with a signature that is obviously not mine and claimed that they verified the transaction by calling my home telephone. I sent them a copy of the phone company XXXX XXXX XXXX transcripts of all calls coming to and from my phone number on the day of the charge showing no call to or from XXXX XXXX, but they have still denied my fraud claim and have reported the account as delinquent to at least Experian XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX is showing on my credit reports as 30 days late. I have never been 30 days late. I disputed with them and the credit reporting companies. The response I got back was it was correct we are not going to change it. When I paid my bill for XXXX it was due the XXXX, I paid on the XXXX and asked in the store about why it is reporting 30 days late. Store employee told me that their cycle is XXXX to XXXX, so if you have n't paid by the XXXX it is reported as 30 days late. I attached a copy of the bill and receipt when I paid. XXXX has reported to the credit bureaus at least XXXX times like this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I attempted to access my annual free credit report from Experian, as guaranteed by the Federal Trade Commission. I submitted my information to access my report, and submitted credit card information, understanding it to be for identity verification purposes. I realized a few months later I had been charged for a monthly " membership '' to Experian, which I had absolutely no knowledge of purchasing and had zero interest in. I absolutely would have not purchased this if it had been labeled clearly. This was a complete bait-and-switch to sell a product buried into a free service guaranteed by the federal government. Upon calling to request a full refund, Experian provided one month 's refund but refused to refund the rest, implying that I must had indeed wanted to sign up for this useless product since I had n't cancelled it immediately ( despite not knowing I had signed up in the first place ).

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 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I took out a loan from XXXX XXXX XXXX roughly two years ago XX/XX/XXXX. This account was created to pay for an XXXX and initiated within the doctor 's office. My understanding was that the account was zero interest for a period of 24 months, at which time the account would begin to bear interest at prevailing credit card rates.I made monthly payments on this account up to and including XX/XX/XXXX. My understanding until very recently was that my account was in good standing and payment status was current. However, only after recently pulling my credit report I learned that I had fallen into default status ( 90+ days past due ). As a result, my credit score has been significantly impacted ( decrease from XXXX in XXXX XXXX to XXXX currently ). Additionally, my account balance has increased from {$5400.00} in XXXX XXXX to {$9800.00} as of this week ( as a result of penalties and retroactive application of 30 % interest ). I never received any correspondence of any kind from XXXX notifying me of a change in account status, interest rate, or required monthly payment increase. Only after calling XXXX proactively did I learn the status of my account ( and only at this point did XXXX begin to contact me in an attempt to collect / inform me of the account status - something I wish they had done six months ago when it went into non-current status ). I had the ability to pay this account in full in XX/XX/XXXX. I also should have been notified of the impending change in interest rate and been given the grace period typically allowed for accounts changing status ( and about to incur retroactive application of interest ). I have spoken with XXXX 's collections/settlement departments in an attempt to settle this account in full ( XXXX XXXX principal balance plus a reasonable amount of interest ). Despite multiple calls, I have been unable to find anyone to work with me on settling this as soon as possible. The lack of notification resulted in penalties and retroactive interest which ballooned into an XXXX % increase of the account balance over six months. This, in my view, is unreasonable, deceptive and predatory. I have now paid the account in full under protest ( in order to stop further penalties and interest from accruing and further deterioration of my credit score ).

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 2015-06-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I called Experian about an ongoing issue with my Credit Report for in accurate items that are listed on my credit report. I talked to a representative named XXXX from team edge for XXXX minutes and XXXX seconds. She went on to tell me that the incorrect account status that I 'm viewing is n't the same thing that she is seeing on Experian 's system, which is a charged off account with the bankruptcy notation. I have XXXX accounts that are listed under bankruptcy that are supposed to be deleted after 7 years of the discharged date. These accounts list that they will be removed XX/XX/XXXX. These accounts are still listed as negative items after my discharge. I then asked to speak to a Supervisor and she stated within XXXX seconds that there was n't one available. I then told her that I recorded our conversation and she immediately said that I did n't have a right to do so, but that Experian records all phone calls. I asked for the CEO and she refused to give me that info but gave me a pone number to call. My rights have not been abrogated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Personal information has my name as XXXX XXXX. My name is not that. My name is XXXX XXXX XXXX ONLY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have sent Experian numerous requests asking them to please investigate and correct some accounts in my credit report that are reporting incorrectly and they are not responding.

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