vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was contacted in XXXX, through XXXX, through an alert that there had been a judgment placed against me for a tax debt dating back from 2006. This was the first notification of any debt and I promptly paid the owed amount, plus interest and penalties, as my credit has been perfect and wanted to keep it that way. Consequently, I asked the Transunion Company to investigate, because they put it on my credit report as a negative-Judgement, but it was over ( 10 ) years old and this was reported incorrectly by the reporting agency and should n't have been allowed to even be placed on my report? There was no notification of the debt, prior to it appearing on my report, I lived in Alabama for ( 3 ) short months in 2006 and paid state taxes-taken out of my check, while I worked there. How they filed my taxes for me and came up with this " derived '' estimate, is beyond me, but I paid it willingly, because I had no records to contest this amount. I paid it as soon as I was notified, even though it was over ( 10 ) years and I was provided no information from Alabama Department of Revenue, when I asked for it? The original amount of the alleged debt was {$330.00}, I paid them {$560.00} to satisfy the debt, as once again I had no records after ( 10 ) years to contest this amount. 
Under the FCRA, the debt was paid in full and is over ( 10 ) years old ( 2006 ), so it should not be able to be continued to be reported on my report. It has been illegally reported and kept on my report, even after I disputed it.

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 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It is giving a XXXX name on my 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 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Received disclosure notice dated XXXX/XXXX/XXXX from XXXX XXXX. 
Continue to see that credit reporting agencies insist on reporting key factors that adversely affected my credit scores. A review of latest credit report does not support these adverse key factors. 
Credit Reporting Agencies continue to report inaccurate data to lender and/or financial institutions. As stated in previous complaints, key factors continue to be reported on disclosure as far back as XXXX. 
Complaint # XXXX ; XXXX ; and XXXX were sent on these very same issues. There are no serious delinquent accounts ; the number of accounts with delinquencies is XXXX ; Collection is currently being investigated. The number of inquiries has dropped to only XXXX for TRANSUNION. XXXX has deleted XXXX inquiries per my letters requesting to remove. No responses to remove inquiries have been received from 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 2017-01-30 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 DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX acc # XXXX XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX Inquire that were not done by me That are fraudulent XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a 30 and 60 day late notice on my credit that was reported by XXXX. I disputed with XXXX and Transunion but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... two years since I requested it to be closed. XXXX is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that US Bank could have provided a coutesy removal of late notices but did not contact them in time ... XXXX is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX but XXXX XXXX was unwilling to proect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
The XXXX XXXX XXXX ( Collection Agency ) listed on my Transunion Credit Report is not a valid ( legal ) debt ( which I have been fighting for XXXX years ). I have repeatedly contacted the Collection Agency for resolution-and received none. ( BTW-I filed a complaint with your organization against them XX/XX/XXXX. and I have yet to receive a response # XXXX ). In XXXX of 2014 I filed a complaint with your organization to have this Collection Account removed from XXXX # XXXX-which it was. I have tried to dispute this directly with Transunion ( supplied them with all the back-up documentation to prove this is not a valid ( legal ) debt and all they appeared to have done is simply contact the Collection Agency to " validate '' the debt ). That is not an investigation and certainly does not fall within the definition of " valid '' debt-because it is not ( valid or legal ). I am providing you copies of all correspondence with the original creditor and collection agency with the WA State Landlord/ Tenant RCW 59.18.310 code/ law clearly outlining the law, copy of the ledger and lease clearly showing I met my financial obligations, and a copy of the determination of the complaint I filed with your organization against XXXX and it 's outcome ( that it was deleted ). I have also included the letter from Transunion with their " Investigation Results ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX was disputed and they do n't own the debt anymore. So, by law they have no more right to even report anything to the credit bureau 's. They left a wrongful dispute on my credit report. The account number is as XXXX XXXX XXXX XXXX sold the debt to another company. But they want give me the proper contact information inside XXXX to talk with someone about the debt. They all ways transfer me to a department and the number hangs up after 5 minutes of waiting. I am given XXXX XXXX ( XXXX ) XXXX email XXXXXXXXXXXX full authority to speak on my behalf please make notes on this case number that will be provided by the CFPB.

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 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
There is a tax lien and a release of tax lien on my credit report. I informed TransUnion that was an error. I have never had a tax lien. They investigated and reported nothing different. The public record they showed had no name on it.

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 2016-07-10 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Case number : XXXX. This is a follow up complaint to the Case number XXXX sumbmitted to CFPB on XX/XX/2016 - Here a summary of Complaint ( Ally Financial has continue to list incorrect and incomplete information on my credit file, I have disputed this account several times with XXXX credit reporting agency Ally financial has continue to list incorrect and incomplete. For example date of first delinquency and date of major delinquency is incorrect with is making the negative account stay on my credit file longer ). As of today XX/XX/2016 the account has not been corrected and still reported as derogatory account. I contacted Ally financial several times on XXXX/XXXX/16 and XXXX/XXXX/16, which was not an easy task and have been advised that I was correct and an update was send to XXXX on XXXX/XXXX/16 to update delinquency as is the way pass the 7 year mark. I am not going to wait another 30 days for Ally and XXXX to get they act together and have this account corrected. This has been a nightmare and inconvenience to me to have to go these lengths to have this account corrected removed. This correct need to be handle ASAP or I will seek legal action. I have attached the response from Ally from XXXX 2016.

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 2015-11-04 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:
I faund XXXX inquiries that I mever ask forXXXX XXXX FI on XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

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 2015-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I ran my credit report earlier this year and found that TransUnion was listing multiple incorrect addresses associated with my name. On XXXX/XXXX/15, I wrote them asking for XXXX to be removed. ( The other incorrect addresses they listed were obvious typos & duplicates and, given the TransUnion incompetence that demonstrated, I thought I 'd keep it simple for them. ) While they removed XXXX of the incorrect addresses, they left the XXXX. On XXXX/XXXX/15, I again wrote requesting they removed this third incorrect address. Instead of removing the address, they sent me another copy of my credit report. ( It 's a good thing I did n't ask them to correct the stale phone numbers and employment data they have listed. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In my public records on TransUnion it shows i have a state tax lien from XXXX 2005 that is not paid but just filed i contacted the local courthouse in my county which is XXXX XXXX Indiana at the clerks office and they said it has been paid back in 2005.. But on my report it still says it is just filed and not paid.. they said i could come in and get a copy and give to my credit bureau.. So how do i do this?? Or do you request it from the court house..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 2017-03-05 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Ad Astra Recovery Services has been trying to collect a Debt that has been paid in full. They also have entered the information on my credit bureau file showing i still owe the debt with a negative entry. I never received any communication from the original creditor that I still owe this debt. This debt with XXXX ( the original creditor ) has been paid in full. XXXX is evening emailing me on a daily basis to let me know that I can be approved for another loan with their company. I also have screen shots showing that I have no loans outstanding and that my account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
1. I just received my free annual credit check and was disgusted to see that XXXX XXXX only show my payment history since XXXX XXXX even though the account was opened in XXXX XXXX and payments made on time for 8 months have magically disappeared from the public record. 
2. Even though XXXX XXXX closed my account in XXXX XXXX it was paid in full the same month. 
Therefore XXXX XXXX is misrepresenting my credit history adversely as it is effectively " playing XXXX '' by deciding to show the only bad issue on my entire credit history and not show the full picture. This is a shameful and blatant misrepresentation of the truth and we consumers seemingly have no recourse. 
3. To make matters even worse XXXX has run my credit without my approval in XXXX and XXXX XXXX. I have no interest in ever dealing with XXXX again but they told me they can run my credit as much as they like and there is nothing I can do about it. This is morally outrageous and offensive. We consumers should be afforded legal protection from these corporate vultures and I formally request that they stop snooping into my credit that they have adversely impacted. In other words, these companies should not be allowed to run consumers credit without the prior approval of consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
1- Experian XXXX XXXX XXXX XXXX Texas XXXX phone ( this # given o the report at File Is Frozen etc. '' will not accept my calls. 2- Experian says my " File is Frozen Due to State Legislation '' but will not allow me to access the file to determine exactly what is " state Legislation '' 3- XXXX XXXX XXXX used this Experian report / data to deny me three times a " Special Deposit '' account for me, and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX which I now dispute as false. 4-I told both Experian and CEO XXXX, XXXX XXXX XXXX XXXX, and others at XXXX XXXX XXXX that I am a XXXX status and thus " State legislation '' does not apply to me. ( see attached )

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 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wrote Experian in XXXX and they never write me back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25 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 responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XXXX of 2014 I completely paid in full a debt. 
Original creditor : XXXX XXXX XXXX XXXX The collection company was XXXX XXXX. There address is XXXX XXXX XXXX Ma XXXX XXXX # XXXX ref. # XXXX # XXXX was paid in full for {$770.00} They are reporting the account as charged off. This is incorrect. It was paid in full and when it was they had advised me by phone that it would be removed form my credit report. As of today it remains on the report as charged off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I initiated a dispute with Experian, XXXX, and XXXX XXXX XXXX, XXXX for the following items : XXXX XXXX and XXXX. XXXX was formerly known as XXXX XXXX. These items were scheduled to come off my credit reports a few months ago being that they are over 7 years old ( DoFD was XXXX XXXX, XXXX for XXXX ), however all three credit bureaus stated that they conducted an investigation and the items were verified. The items being verified was not the reason for my dispute, in addition I called both XXXX and XXXX XXXX XXXX, XXXX to verify that an investigation was actually conducted and both company representatives stated that they did not verify nor report to the credit bureaus because the accounts are old and due to expire. All three credit bureaus are reporting erroneous information in regards to when the first delinquency was reported except for XXXX, however XXXX did not remove the old item either.

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