vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
I had an existing loan with Ally Bank with a remaining balance. I traded the vehicle in and financed the new vehicle through a different bank. The balance with Ally Bank was cleared when I completed my trade in on XXXX/XXXX/2016. 
Ally Bank then took an automatic payment on XXXX/XXXX/2016 from my checking account on file with them, even though the remaining balance on the loan was XXXX with XXXX scheduled payments, per their website. 
When I called them, they stated I should have called them to cancel auto pay for my loan with a XXXX balance remaining. There is no option to unenroll from autopay on their website.

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 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a collection placed on my transunion by : XXXX. I sent a letter to the collection agency with a request for full debt validation on XXXX XXXX, XXXX. They received my request on XXXX/XXXX/XXXX ( I have all receipts sent by registered mail ). They sent back the total charges billed provider. However that is not a validation of the debt as described with the FAIR CREDIT REPORTING ACT. There is no description of services rendered, explanation of how the alleged amount was calculated including interest, no copy of any signed agreement between me and the billing agency, nor was a complete payment history present with the original creditor. I sent out another letter again, requesting for validation of the debt, they had thirty days to respond according to the Fair Debt Collection Practices Act. They received the second request on XXXX/XXXX/XXXX and never responded. I sent the receipts and a letter to transunion that the thirty days passed and I received no validation of my debt and I had asked transunion to remove this collection immediately. Transunion however did not delete it from my credit and wrote that it has been updated to be removed in XXXX. This is not a valid collection and it needs to be removed of my credit, there are many violations in place here.

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 2016-12-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I attempted to file a dispute with Trans Union about my XXXX card. So I went online to file the dispute. At the last point, where I needed to upload documents in support of my dispute, I found that the documents could be uploaded in Windows Edge Browser, but you could go no further as the Submit button was not working. When I called Trans Union, I first was routed to a call center in the XXXX. I 'd already given my dispute ID and then the lady asked me for my Name, then Social Security Number, then she needed my home address. At that point I told her I was not comfortable giving that information to people that do not live in the US and are not held responsible for our laws. So I was transferred to the United states and spoke with an Escalation Man. He then informed me that he 'd heard their submit button was no longer working for supporting documentation, and if we needed to add documentation, we would need to fax it a XXXX with a cover letter and all this documentation, or I could mail it. This, to me, is COMPLETELY unacceptable. TRANS Union IS misreporting information on me, and now I have to PAY to get my dispute resolved?!?!? I 've attached my successful dispute through XXXX, which is what I was going to attach originally.

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 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On XX/XX/2016 all of my inquiries were removed and were put back on my report XX/XX/2016 TransUnion is required by law to inform me within 5 days of reinsertion that they are adding anything to my report and since TransUnion failed to notify me, they have broken the law. Transunion has violated my rights under the FCRA Section 611 laws! I spoke to many reps who confirmed there was a glitch but they would not update my credit report or transfer me to special handling and were instead very belligerent. 
I have proof of the removal and reinsertion from XXXX XXXX and credit card reports. 
I can see very clearly that they were deleted and reinserted which dropped my score dramatically.

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 2016-02-20 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: NY

Complaint narrative:
I am trying to re access my free credit report so that I can print a hard copy. I ran out of ink the first time and was unable to print out on the spot. Please guide me through where i need to go to put in my report # and report date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I successfully completed a 12 month payment plan with XXXX without fail. At the end of the 12 month period, a balance was left of {$470.00}. That was paid this past week in full bringing my account to a XXXX balance. However, XXXX reported my account as a charge off of {$470.00}. This is not accurate but that is how XXXX reported it. I filed a dispute with Experien and they filed a dispute the and said it changed but it did n't. It says PAID. Write Off {$470.00}. Again, it should state PAID IN FULL AS AGREED with an GREEN OK sign and that should also be reflected in my credit and fico score. It was not written off. EVERY PENNY was paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 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:
XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX I have submitted a request for over two years to remove the above accounts off my credit report with Experian & XXXX advised them to validate the account as I have no knowledge of the XXXX accounts. 

It was removed from XXXX but still remains on 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 explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I found a {$35.00} collection record in my credit report from XXXX back in XXXX 2014. I never received any notices or phone call from them. After a conversation with them, they said the only way to get it out of my credit report is to pay it off. I did pay it off as requested and just found out today that they still have it in my record. I attached a letter from them for your review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is reporting an item on my credit report on behalf of XXXX, for a credit card that was charged off XXXX, which means the first date of delinq was prior. It is being reported under good standing, which it is not. It was a charged off acct. They state they are reporting until XXXX, past the XXXX years they are allowed to report charged off accts. Since XXXX no longer owns the acct they will not remove the tradeline. I would like for experian to please remove the tradeline, or provide the correct removal date based off XXXX years from the XXXX date of delinquency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 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: NJ

Complaint narrative:
I am trying to retrieve my credit report. They stated they have nothing to do with retrieving it. I should contact 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 non-monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent disputes already but no contact or changes have been made. 
You are recording a collection account that was originally a medical bill paid by aNo-fault insurance company. This was paid and should never have been a reportable accountThe creditor advised me that they changed the account as true to false in 2014 and made several requests to have the file deleted from my report. 
Please see the attachment supporting my statement

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

Complaint narrative:
The account in dispute is Child support enforcement.This account is delinquent I am not questioning that, but it has been paid every month for 4 years in a row. I sent supporting documentation showing the payment history directly from the creditors website. Since the initial dispute they have continued to make the reporting more and more derogatory. Initially it showed 120 days late but reported the payment history. After the 1st dispute the moved it to 150 days late, after the second dispute they added a note that creditor recently located me and moved it to 180 days late. I have made on time payments for 4 years straight and again uploaded the evidence of this to Experian. This reporting needs to either be corrected to report the accurate reporting of the 4 years payment history and the insinuation that I was just recently located or it needs to be removed altogether. They are in violation of both the FCRA and FACTA. It is obvious that they are on a vendetta because I dared to dispute their inaccurate reporting. Please Help. I did try to upload the payment history on your site but the attach button is not working

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 2015-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Most if not all accounts in question are paid off, and closed, yet the credit reports not showing this, which cause my credit score to remain very low.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/15 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
they deleted it now it back on this was never my account identity theft, fraud ExperianXXXX XXXX XXXX XXXX, TX XXXX XXXXAccount numberXXXXRecent balance {$720.00} as of XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 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 BEEN TRYING TO REFINANCE MY HOUSE FOR MORE THAN 5 MONTS AND I CANT BECOUSE MY CRDIT REPORT HAVE MANY UNPAID ACOOUNT THAT I NEVER OPEN WITH THIS CREDITORS SO I CALL AND I SEND COPY OF MY COMPLETE INFORMATION SO THEY CAN SEE THAT ALL THIS ACCOUNTS ARE NOT MINE BUT I SEE NOT RESULTS FROM THE CREDIT BUREAU AND THE CREDITORS AND IAM VERY TIRED WITH THIS, SOMA BODY IS NOT DOING THE JOB RIGHT.

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 2016-05-22 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: DE

Complaint narrative:
I 'm trying to pull my annual free credit report online, and so far it 's taking about XXXX45 minutes to actually generate an Experian report. My screen says, " Please wait while we retrieve your report. '' If their system is frozen this will negatively affect my ability to get my free report. I have n't even gotten to the other XXXX reports yet. This is unacceptable.

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 2015-07-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are XXXX issues that is so frustrating. I have a freeze on my credit report since 2008. However, I am receiving credit cards, and loan offers from companies. The second issue is with XXXX and Experian : Each time I want to lift the freeze from my credit report temporarily I have to send a letter, copy of my ID, bills, copy of my social security card etc., despite the fact I was issued a PIN NUMBER number and I was informed that I could remove the freeze temporarily online. Finally, it is most difficult to speak to a representative over the phone regarding such matters. It is not difficult to speak to a representative for services that the consumer reporting agency is selling such as credit tracking. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have creditors XXXX XXXX XXXX account number XXXX, XXXX, XXXX XXXX XXXX XXXX account number XXXX, XXXX and XXXX XXXX account number XXXX ... XX/XX/2005 which are 9 and 10 years old in which according to the FCRA, I can ask to me removed as they are too old to be on my credit report. Experian is refusing to delete and the company indicate that Experian did not dispute.

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 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Inquires were removed and re added without notice or reasoning 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

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 2016-11-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Debt Recovery Solutions, LLC
State: WA

Complaint narrative:
I keep receiving notices from debt recovery solutions with harassing phone calls wanting to know my social security number and that I can be arrested. I have turned this spam fake company over several times for the same issues. This is not a debt that I owe and was part of a fraud. I lived in WA state for over 11 years and never received a debt from the company mentioned. I am again for the 5th time complaining about this company again. I do not want to see this fake debt on my credit report. Please act with aggressive behavior and ceased and decased this company to no longer sent me or call me regarding this debt

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 2015-12-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I just received this report from Experian after the last dispute you processed. Before you send it off to Experian, maybe what I am being told by XXXX and XXXX is false, they deleted after last payment was made XXXX years ago? 
This XXXX account was scheduled to be removed and was by both of the other XXXX bureaus. The last payment was just over 7.5 years ago. Experian, they " verified '' it but still leave it on. Experian pay history is correct, last payment was XXXX 2008. What tools or laws do I have to enforce them to delete this XXXX account? Maybe they do n't understand what they are doing? XXXX and XXXX have put in a solid effort to correct my report, Experian, well see for yourself. If want to bother them again, it 's appreciated. I just wish there was a system that we could fine them for not doing their job, like {$500.00} for each violation, just enough to get their attention.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XXXX XXXX, 2016, I signed up for a 7 day trial to receive my XXXX score for {$1.00}. On XXXX XXXX, 2016, I called and cancelled my trial period. I just found out on XXXX XXXX, 2016 while checking my debit card details, {$24.00} was taken off of my card by Experian. After speaking with them I found out that they have taken the following from my debit card. On XXXX {$21.00}. On XXXX {$21.00}. On XXXX {$43.00}. On XXXX {$21.00}. The XXXX/XXXX/16 for {$24.00} was the only XXXX refunded and they said that they cancelled my account. After speaking with Experian and letting them know that I had cancelled my account with them before the 7 day trial was up, they refused to listen. Due to having XXXX XXXX, I have to write every day, date, time and the name/ID of the customer service representative I speak to when it comes to anything important such as this. Experian would not do anything about their mistake and I 'm hoping that you will be able to help me get back the money that is owed to me. They had no right to take it from me to begin with.

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