vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-06 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:
XXXX XXXX XXXX is still showing negative information on my credit report which is illegally damaging my credit report. I incurred a hardship back in XX/XX/XXXX and stopped paying my bills on XX/XX/XXXX, I lost my home and was unable to meet my obligation. I lost everything. Because of the 7 year rule this account should have been removed from my credit report last XXXX XXXX. It still shows up on my report. I explained that collection agency contacted me and offered to pay towards the balance. I explained that I was XXXX because of my tour fighting for our country and was unable to pay the bill. The collecting agency said that they would make payments on my behalf. I again explained that I would not pay this bill.

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 2016-09-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have been going over my credit report, and have noticed that Experian is posting inquiries on my report that I did not authorize. Moreover, there are instances of duplicate entries. 
The ONLY inquiries that I have authorized are below : 1 ) XXXX ( XXXX XXXX, 2016 ) 2 ) XXXX ( XXXX XXXX, 2016 ) 3 ) XXXX ( XXXX XXXX, 2016 ) 4 ) XXXX ( XXXX XXXX, 2016 ) There is no excuse for any other inquiries on my report. Moreover, XXXX ( in XXXX ) was given my report XXXX times within 5 days, which is obsurd since the only financing I sought out ( and received ) was from XXXX in XXXX. I believe there is a huge mistake. Experian needs to correct this - giving copies of my credit report without my express written consent violates FCRA. 
The only inquiries to be on my report at this time are the XXXX that I mentioned above. I am not currently seeking credit, and have only sought credit during the aforementioned 4 times above. 
Anything else from TODAY 'S DATE to XXXX XXXX must be removed. Permissible purpose was not established nor granted by me as I did not ask for credit, and these are not soft inquiries. They are hurting any future chances of me legitimately asking for credit, which means it is hurting me financially. 
My identification has been uploaded for your convenience. 
A copy of this complaint has been forwarded to my attorney.

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 2016-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have never gone by the name of XXXX XXXX as reported in the Experian 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 2016-06-02 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This Affidavit and Notice Complaint is being filed on behalf of the consumer with the Consumer Financial Protection Bureau for a more transparent investigation. The debt collector XXXX XXXX XXXX has used the consumer 's promissory note in a fraudulent manner in association with the disputed CFPB [ Case No. XXXX ] and this has become an issue where the debt collector has independently provided as verification false statements and representation ( please disregard the option used impersonating attorney etc., as this was the best option ) of a fraudulently endorsed promissory note during an investigation with the Consumer Financial Protection Bureau which has completely condemned and denied the consumer to complete and accurate 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 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filling this complaint because Experian has ignored my request to provide me with their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX ( XXXX ) ( a ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have incorrect information on my credit report indicating that I missed payments on a home loan XX/XX/XXXX. I sent in a document from the loan company supporting my claim but the only change was they added a XX/XX/XXXX report as well. I received nothing from Experian. The incorrect information is still part of my credit report.

Company public response: Company 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: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I called and spoke with an agent and then a manager asking to have my hard inquires removed. I have writte letters to each of the companies and have not received a response of validating or a letter of having the inquires removed. They are currently being showed on my credit report. 

The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity.

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 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my second compliant. I keep getting stall tactics & alternate methods of not being held accountable. I have sent the credit bureau all the information from my direct dispute with the data furnisher and the CRA has ignored my request to remove items which are being reporting inaccurately, are unverifiable, are incomplete or are untimely. I 've sent them correspondence through CFPB & via certified mail & still they 're claiming they dont have enough information to remove the inaccurate information. I 'm resubmitting my request to have these items removed from my report based on the FCRA. I 'm including everything which demonstrates my timely response & methods used to verify the accounts which they claim to have verified ... The following accounts have not been able to provide me with any information these accounts belong to me nor have I received anything reflected they are reporting correctly : XXXX XXXX XXXX .... / XXXX XXXX - being reported with any validation of verification ENHANCED RECOVERY CORPORATION XXXX - being reported with any validation of verification XXXX XXXX - being reported with any validation of verification XXXX XXXX XXXX XXXX XXXX .... / XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX .... / XXXX XXXX XXXX .... / XXXX XXXX XXXX .... 
I would like them removed immediately!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX submitted hard inquires to all credit Bureaus on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. These were submitted to both Experian and XXXX Credit Bureau for the dates mentioned above.

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 2015-09-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America abruptly closed my account and kept my funds.I woke up XXXX XXXX XXXX 2015 only to find out my online banking access was disabled.I then traved to my nearest Atm to try to withdraw my funds only to find that my card has been blocked. I tried calling but all i got was scripted message from the CSR with no real explanation. These are terrible business practices and down right discriminatory.

Company public response: Company chooses not to provide a public response
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 — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
My agency recently conducted a background investigation on me that included a criminal and credit check. The credit report revealed a collections item from XXXX XXXX that is over 20 years old ( XXXX ) The debt was settled and closed several years ago. When I purchased my home XX/XX/XXXX, this debt resurfaced. I disputed the debt and had it removed from my report then. Now, nearly 10 years later, this issue is resurfacing. I work for a financial regulatory agency and fiscal responsibility is a condition of employment. TransUnion is the only Bureau that shows this item in collections. The fact that XXXX XXXX is allowed to report on an account that has been closed over 20 years AND TransUnion accepts this report is egregious. XXXX XXXX continues this post mortem debt reporting because they have not been held accountable. My employer is threatening removal if this is not resolved in 30 days. I need to get this matter resolved expeditiously and some level of assurance that XXXX can not continue these predatory practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-03 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
The merchant told me that the AMEX prepaid gift card declined and that the purchase did n't go through so I paid with a XXXX. When I went to use the AMEX prepaid gift card again, I found that the funds were drained. I checked the AMEX gift card website and the transaction that was supposedly declined is still showing up on the gift card transaction statement. I called the merchant to double check if the card went through and they continue to claim that it was declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a creditor who pulled my credit report without my permission. TransUnion wants me to approach the creditor and get permission to remove the hard inquiry. TransUnion is also asking for a personal statement to remove the hard inquiry ( I am OK with this request ). There is no process to remove fraudulent hard inquiry on credit report on their website or by phone call. Spoke with customer service and supervisor at TransUnion. TransUnion will not provide evidence that the creditor pulled my credit report legitimately or had permission. This is double standard. TransUnion is asking me to do the legwork of contacting creditor and getting a letter but they will not do the investigation themselves nor provide evidence that the creditor pulled my credit report legitimately. This inquiry only shows with TransUnion. No other credit bureau shows this information. I need help with removing the hard inquiry on my credit report with TransUnion. I do not feel that I should have to contact creditor, get a letter, do the investigation and waste my time when the issue was created by the creditor/TransUnion. Thanking You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is reporting inaccurate information on my credit file. I have disputed this several times with them over the last 2 years, however they are still reporting incorrect information. They are reporting the incorrect date on my credit file. The below account went delinquent on XXXX XXXX, XXXX and they are reporting the date of XXXX/XXXX/XXXX which is illegal. This account should have been deleted from my credit file. I have attached supporting documents that this account is incorrect and needs to be deleted from my file. 
Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Balance {$1200.00} High Balance {$1200.00} The XXXX account they are inaccurately reporting is XXXX. They are reporting the incorrect date on this account as well. I have attached supporting documents with the original bill from the creditor that this needs to be corrected on my credit file. TransUnion is reporting the date of XXXX/XXXX/XXXX when the correct date this account went delinquent is XXXX/XXXX/XXXX. Below is the account information ( also attached ). 
Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$390.00} High Balance {$190.00}

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 2015-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All this accounts have been settled or paid and they are reported as delinquent accounts, please help me to fix this problem, i had send several messages to the credit report companies with no good results. 

Agency Open TransUnion BalanceXXXX XXXX XXXX $ XXXXDiscuss Your Account WithXXXX XXXX XXXX Call XXXX XXXX ) XXXX or Visit Agency SiteXXXX account reported on XXXX XXXX, 2015 OpenAccount # XXXX $ XXXXBalanceXXXX XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 
Learn more about how to dispute items on your credit report. 

XXXX {$13000.00} account reported XX/XX/XXXX OpenAccount # XXXX $ XXXX XXXX XXXX XXXX XXXX Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 
Learn more about how to dispute items on your credit report. 

XXXX XXXX XXXX {$9000.00} account reported XX/XX/XXXX OpenAccount # XXXX $ XXXXBalanceXXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 
Learn more about how to dispute items on your credit report. 

XXXX {$8200.00} account reported on XXXX XXXX, XX/XX/XXXX OpenAccount # XXXX $ XXXXBalance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Clarity Services
State: CA

Complaint narrative:
I had faxed my report request To Clarity Services to obtain my report by fax and they have not responded.

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: NM

Complaint narrative:
First, the reported credit limit is incorrect. My credit limit was {$35000.00} yet it is being reported as only {$18000.00}, making it appear I used more than 100 % of the available credit, which is harming my credit score. Worse yet, in response to my dispute letters, XXXX retaliated. Specifically, XXXX reported to XXXX that this debt was a mortgage as opposed to a credit card. XXXX did this with the intent to destroy my credit score and prevent me from getting a mortgage. XXXX 's retaliatory behavior is criminal. There must be laws against this sort of retaliation.

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 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After Reviewing My Transunion credit report I found their was a bankruptcy showing on my report. I first contacted the reporting agency as seen on my credit report, NJ bankruptcy court via mail. They wrote me back indicating that they have no correspondence nor do they report to any of the XXXX credit bureaus. I then contacted Transunion and requested that they validate this negative account and provided me with copies that clearly state that NJ bankruptcy court is n't reporting to their agency. I received a letter back from Transunion stating that they have validated the debt. They have not provided any such documents bearing my signature, or any documents supporting their claim to be valid. I sent Transunion certified letters on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX asking again that they validate the alleged debt and if they cant please delete the account from my report. I noted in my letter that proof of validation is a document bearing my signature, or any court documents stating that they our reporting a Bankruptcy to their agency. As of XXXX/XXXX/XXXX Transunion is still reporting bankruptcy on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have disputed this charge on numerous occasions. They have continued to contact me and my family and friends. This was an account that was opened under my social, without my knowledge. Collection is still showing on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Due to financial strain, I was forced to sell my home in XXXX under a short sale term. I paid the mortgage on the home till the end of escrow. In XXXX, things got a little better financially, and my family and I started to look for a home to buy. I found out then that there were many derogatory comments placed on my credit report due to the short sale. Comments like, " Account past due, under collection, late 120+days ''. These comments had a drastic impact on my ability to purchase a home. It took me 6+ month to clean up all of these negative inaccurate reports, and mainly with your help. I wrote many letters to the credit bureaus disputing the inaccurate information on my credit report just to go in circles. I learned about your services, and gave it a try. You guys assisted me with the up most professional talent. The derogatory comments were cleaned up from my credit report. I got confirmation from all Credit Bureaus as well as an apology letter from one of the creditors that had submitted such inaccurate information. Quickly after this, I was able to qualify for a home loan and my family and I were happy there after. You think, until few days ago. We get a lot of mail advertising better loan options. Last week, I contacted two mortgage companies to inquire on the different loan options. They ran my credit report, which I though I was in the A++ standards. To my surprise, TransUnion once again has posted same inaccurate information. I found out that my credit score with XXXX and XXXX is above XXXX, but with Transition is at XXXX. How can this be? I thought all of the negative comments were deleted back in XXXX. Last night, I went online to the TransUnion website and pulled up my report. Sure enough, this is what they have posted for the following account : XXXX - account # XXXX. Last payment date = XXXX ; This account has been closed since XXXX XXXX. Status = 120 days late ; I was never late paying any of the payments, and the account closed once escrow closed. 

Because of this, I 've been told by the XXXX mortgage companies that they can not move forward with any loan refinance. I 've back in the same boat as in XXXX. I have a copy of the confirmation from TransUnion dated XXXX/XXXX/XXXX showing the updated information. Now, I have wasted XXXX hard inquiries, spend {$29.00} to pull up my report from TransUnion, when all of this should not be an issue. I need your assistance to get this matter resolve. TransUnion is a bully company and when you deal with them they muscle you around and put you through circles. Americans are being taken advantage by these Credit Bureaus.

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