vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
experian will not correct the incorrect information that is reporting on my credit report with my XXXX account. This account is reporting as a 30 day late payment from XX/XX/XXXX. It has been confirmed several times that this information is incorrect. I never paid this account late. I have submitted and disputed this information numerous times and now experian will not allow me to re-dispute this incorrect information. This account is reporting as potentially negative and is schedulaed to go to a positive status in XX/XX/XXXX. This account should be listed in accounts in " Good Standing ''. I never paid this account late. My credit score is being affected in a negative way because of this wrong information.

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 2015-04-20 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: MNE Services, Inc
State: TX

Complaint narrative:
Someone keep calling me from XXXX,XXXX. Stating that they are going to serve me papers on my Job. They give them to the HR. I need XXXX forms of ID. That I was a person of Interest. His name was XXXX. File number Doc XXXX. I had a payday loan online 1 year ago ; but my Job filed Bankrutcy ; and closed. I told the company at that time. I called the numbers at XXXX and XXXX and it states if you have an existing loan or in collection that they no longer in business that they have not sold any information to a third party. But everyday I get phone calls from different numbers ; they have all my information. There has been phone calls from XXXX ; I google it. I talked to a Consumer Compaint they tell me it is a scam. I can not rest for these peoples. I had called number back XXXX the lady was rude saying that I have been sued that I need a Lawyer. I told them send it to me in writing ; they are saying they have it in the court. I stopped answering calls that I do not know. I let the social security peoples know about the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian Inc. is acting as creditor, which is against the law. The credit reporting agency restricts investigation, indicating that they have already investigated the matter, and wo n't do it again, which is n't allowed, unless its found to be without merit, but each investigation has to judged on its own merit. In respect to Experian, there are XXXX entries on my credit report which are reported inaccurately, and a mountain of inquiries that are n't mine. The inaccuracy of credit reporting by Experian, anyone who knows any variation of your name, your actual address, and a made up social security number can access your credit report, which has happen, XXXX times on mine. Additionally when asked to verify other than by statement the accuracy of any account, Experian states that they verified it. In the last XXXX months Experian has reported an account XXXX, with account number XXXX, indicating the status, while the actual credit report in information has n't been updated in XXXX months. The Creditor reporting agency is acting as creditor for the purpose of collecting payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
After a XXXX XXXX in XXXX, I was given a medical aid to use at home from XXXX XXXX XXXX. They were to bill my XXXX XXXX XXXX XXXX and I would pay the balance. They delayed the Insurance billing and I informed XXXX XXXX that I would pay after the Insurance XXXX was issued. XXXX sent my file prematurely to a Collections Company which reported a {$47.00} Collection Record on Experian and XXXX. In XXXX, XXXX I received notice of my Insurance Billing and an updated billing from XXXX which indicated my Insurance Company paid their share and I paid my balance which totaled {$9.00} in XXXX, XXXX. In XXXX, XXXX I submitted a Refinance Application for my home and discovered a Collection Record on my Experian and XXXX from XXXX for the original amount of {$47.00}. This should never have been sent to Collections and my account has been paid " on time '' with XXXX XXXX in conjunction with my Insurance Company payment. My Mortgage Lender tells me that this item has decreased my Mortgage Credit Score by at least XXXX points and I will be forced to pay a higher Interest Rate and Loan Service Fee unless I have this erroneous Collection Record removed from Experian and XXXX. XXXX is not reporting the Collection and my XXXX Mortgage Credit Score is XXXX, while my Experian and XXXX Mortgage Credit Scores are both in the high XXXX 's with this particular Collection Account as the only Negative Item reported. I have all the billing and payment information to show the transactions as I described and I need this erroneous and Collection Record removed from Experian and 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 2016-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
No it 's my hard inquiries

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 2016-05-31 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: AZ

Complaint narrative:
I tried to get from free Experian credit report through XXXX. The last time I got a free Experian credit report was XX/XX/XXXX, so it has been just over a year. I tried this on XX/XX/XXXX around XXXX Arizona time ( Mountain Time ). I received an error message that said " A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. '' I really want to get my credit report online, not through the mail and not on paper. I called Experian. They told me to get my free credit report, go to freeCreditReport.com, which as you know requires me to sign up for credit monitoring ( at a monthly cost of {$19.00} ) after which I do receive my " free '' credit report. I did this, paid {$4.00}, got my report, then canceled the credit monitoring. If Experian does n't give free reports online, they should explicitly state that and let me know for the free report, just mail in the forms.

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 2016-11-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Reinserted previously deleted information. Transunion once had XXXX removed which is now reinstated back on my credited 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 2015-11-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
1st they have an address as my previous address XXXX i never lived there 2nd they have a public record nj federal court account # XXXX thats not mine they refuse to investigate have them send you proof XXXX account XXXX account # XXXX this is being reported in correctly also XXXX account # XXXX this account as well is being reported incorrectly

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I discovered a Georgia State Lien on my credit report in XXXX XXXX. I called the court in XXXX County and was told it was paid. I informed the credit bureau and the date of payment of my credit report states XXXX XXXX instead of a payment date of XXXX XXXX XXXX. It is 7 years on XXXX XXXX, XXXX since being paid and I would like it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The credit bureau Transunion is reporting an account on my credit that is not mine XXXX and have been for a couple of years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
Convergence Outsourcing have been told not to contact a specific number ( XXXX ) because it is a business number. Even after requesting them to cease and desist of contact they continue to call me, completely ignoring my request. They have been reported to the FTC once before, and no action have been taken, especially when this is a complete violation of the FDCPA. I feel they are continuing to contact me in attempt to harass me and my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
all fraudulent inquiries : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX as well they do n't list that i only now have XXXX XXXX account and the credit limit is XXXX i have told these people and told these people about my ex wife becoming upset over child support issues and trying to ruin my credit and they fail to do anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion has consistently allowed XXXX XXXX XXXX XXXX to report accounts that were protected and included in a 2008 bankruptcy to my credit profile. XXXX XXXX has failed to comply with the Fair Credit Reporting Act with the help of Transunion by using them as a means to attempt to collect a financial debt that is no longer legally responsible for re-paying. Transunion has failed to review my evidence and continues to accept the creditor updates. After many failed attempts at trying to resolve this matter, XXXX XXXX and Transunion leave me no choice, but to take legal actions against them. I am not delinquent on any mortgage account with XXXX XXXX XXXX XXXX because I do not have an obligation to pay any balanced owed or due in accordance with my bankruptcy discharge injunction. My injunction is a permanent injunction. Transunion and XXXX XXXX are in violation of both my injunction and the FCRA by reporting an account for greater than 7 years in a delinquent status. Those accounts should be removed after 7 years. XXXX XXXX re-aged the account in order to continue reporting on the account. XXXX XXXX reported that account with a derogatory status beginning in XXXX of 2008 ... nearly 8 years ago as a bankrupt account. Since they know they ca n't legally report on this account any further they know that the incompetent staff at Transunion will accept their paperwork and ignore that of the consumer. Transunion is irresponsible in their duty to protect the consumer from prohibited practices and false reporting. Transunion is the only CRA that is allowing this practice. I am going to take legal action against Transunion and XXXX because this is my final attempt at getting the to correct the problem. I have attached a letter from my attorney that clearly states I do not owe XXXX any money and they can only enforce the lien.

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 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My wife and I were victims of tax fraud. When we discovered this, we immediately did credit freezes on our credit files for all XXXX credit bureaus. We were charged for XXXX credit freezes. Per Texas law, if a credit freeze is initiated due to identity theft, the credit freezes should be free. I did not want to wait a week or more to generate a police report, get a copy and then send it in to the credit bureaus for a free report. Instead, I did the credit freezes immediately. I then requested refunds from the credit bureaus due to identity theft. XXXX issues refunds immediately. XXXX refunds are in process. Transunion, on the other hand, had refused, saying that the only way you can get a free credit freeze is by submitting a police report at the time you have requested the credit freeze. First of all, when you have become a victim of identity theft, you want to deal with it right away, and deal with the refunds later. Second, it would take up to a week to process the police report and get it to them to do the credit freeze. During that week, how many times might your credit report be used without your permission since someone now has your social security number? I believe, and will always believe, that we are due a refund. I will attempt to dispute the charge with my credit card but am not optimistic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
1.Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX is reporting XXXX XXXX mortgage payment as late, this payment was made on 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 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am including documents showing my current credit scores, according to XXXX XXXX credit bureaus credit reports and scores, this is simply unfair, that XXXX XXXX still reports my Gold Card I still have with them as a negative account, and there is also another problem at my job they simply do n't care, and having all the evidence showing this is unfair, as the complaint number shown above here at C.F.P.B. shows, there is no need to write a lot here, just to show how this looks at the credit bureaus today, Wednesday, XX/XX/XXXX, XXXX Complaint submitted at Trans Union today, evidence included here. No matter it appears written that consumer disputes the account, that does not change the fact, the credit reports are not showing any evidence about why the dispute still exists, and the negative account is just as negative, and unfair in this case, that the credit report still appears affected, and, I am not able to pay now for the F.I.C.O version of Trans Union, the one used by banks most of the time, next XXXX XXXX to XX/XX/XXXX, the investigator at the U.S. Equal Employment Opportunity Commission said they should receive the first response from the local Department of Education, where I am suppose to be working and I am not, complaint at the E.E.O.C. is number XXXX, and there was no response from the local Dept. of Education since last XX/XX/XXXX, when this complaint at the E.E.O.C. was submitted, so is not only XXXX XXXX the problem. Trans Union complaint evidence, added in order to show this is reported at all XXXX main credit bureaus, including Experian also. XXXX XXXX canceled the pay over time, also called extended payment option the account, because of a negative report shown at XXXX according to their representatives over the phone, but the error only appears at the F.I.C.O. version of Trans Union as I detected and it is shown here. But no matter all the evidence included here, showing that XXXX recognized the error in writing, as the included e-mail clearly shows, and it is dated XX/XX/XXXX, and the dates shown at F.I.C.O. Trans Union match with this date, but someone has to take the time to verify all this, this ca n't be done automatically, because of this error, XXXX XXXX suspended the extended option called also pay over time feature of this gold card, no matter it is needed by so many of us as clients and they know it, they have experience with me of more than 24 years already. The student loan in question, that is the center of this error, was transferred to the US Dept. of Education, and it was reported as delinquent by mistake during this process according to XXXX, why this is not recognized, as it clearly shown by XXXX?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 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: MO

Complaint narrative:
My complaint : TransUnion crediting reporting agency refuses to allow me to access my free annual credit report online. 
Background : In XXXX I enlisted the assistance of the Office of the Missouri Attorney General to gain online access to my TransUnion annual credit report. On XXXX XXXX, XXXX, I was able to access the report online. In XXXX I skipped TransUnion. On XXXX XXXX, XXXX I attempted to access my free annual credit report from TransUnion online. As soon as I entered my identifying information, TransUnion 's system displayed a message refusing online access. Several weeks later, I received an unsolicited paper copy of the report, which is unacceptable : I want online access. 
Here is how the CFPB can help me:1. Please find out why TransUnion refuses to allow me online access to my free annual credit report ; and let me know the answer. 
2. Require TransUnion to allow me to have online access to my report each year. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18 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:
My credit score decreased from XXXX to XXXX and I was not able to gain support from the agencies regarding why the sudden drop took place nor how I can rectify my score. I am attaching the report from credit karma. Thank you for your assistance in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Complaint wrong furnisher XXXX/XXXX/XXXX This complaint is in reference to wrong furnisher reporting on a XXXX account. Currently this account is reporting under furnisher XXXX XXXX XXXX subscriber # XXXX The correct furnisher is XXXX XXXX XXXX subscriber # XXXX. 
The FDIC has stated on XXXX/XXXX/XXXX the account belongs to XXXX XXXX XXXX and I have been instructed that they are to receive the FTC Fraud Affidavit. 

I have notified XXXX XXXX XXXX through there represented on XXXX/XXXX/XXXX that the FDIC has stated that XXXX XXXX XXXX is the owner of the debt. However XXXX XXXX XXXX continues to report as furnisher. 

I believe I need to file the FTC Fraud Affidavit through TransUnion with a FCRA 605b attached, so that the account can be blocked from my credit report. 
I do not want my FTC Fraud Affidavit to accidentally be sent to the wrong company. 
I believe each company has there own policies and procedures for handling FTC Fraud Affidavit, therefore it would seem important the FTC Fraud Affidavit went to the right company. 
Please see attached letter sent to TransUnion on XX/XX/XXXX and letter from FDIC dated XXXX/XXXX/XXXX stating the account belongs to 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 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have incorrect information in my credit reports as well as information that has been previously deleted and has now been reinserted using slightly different information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
These XXXX collections on my record are incorrect and should not be there.

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