vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a judgment on my credit report from XXXX/XXXX. It is saying unpaid but I finished paying in full of XX/XX/2015. I was told multiple times by XXXX that it would be updated but it has not.

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 2015-12-21 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 been working with my creditor XXXX credit union regarding my credit card account showing that i am 60 days late. They have sent documentation as well as tried to correct the mistakes on my credit report. I have also sent in this information and the credit agency continues to report the late payments. They have prevented me from getting housing because these late payments are showing incorrectly, and they will not accept the documentation that myself and the creditor are trying to submit. My next step is to sue the agency because they will not correct this information and this documentation has been submitted to them on numerous occasions since XX/XX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is reporting to the credit bureaus a debt in which I do n't own. I have no idea where it came from the debt is simply not 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 2017-01-02 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:
I just became aware of it. 

The security questions are asking if I applied for a car loan in 2013 and I never did. 

At this time I can not publish any suporting documents. I have also had the Social Security Office ask the security question of whether I have obtained an auot loan in 2013

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 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
My husband had me listed as an authorized user on his XXXX XXXX card for a couple of months and I asked to be removed from it, as I did not apply or ask for it. XXXX XXXX and Experian have both refused to remove the history of the account from my Experian Credit Report, thus causing irreparable damage to my ability to apply for a specific credit card, due to too many new accounts being reported. In addition, the card is erroneously listed as being opened on XXXX XXXX. XXXX, but was actually opened back in 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 2015-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This issue is with XXXX XXXX. They have failed to report our information correctly. We never included our mortgage in the Chapter XXXX bankruptcy filing. We paid the loan off based on the short sale agreement established with this mortgage company. The date of the bankruptcy was XX/XX/XXXX and the house sale date was XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian are willfully reporting inaccurate information on my credit report Acct XXXX # XXXX XXXX # XXXX I disputed XXXX accounts they were showing open and delinquent past due. After the dispute it now states zero balance and closed. I Also disputed with XXXX and they removed /Deleted off of my credit report. All XXXX Credit bureau 's need to report the same information but Experian Has not Remove/ deleted the item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I got an alert today from XXXX about a collections account. 
I logged on to XXXX XXXX to get the information. The company name is XXXX for XXXX Illinois. Address XXXX XXXX XXXX I do not live in XXXX nor did I authorize this account. I have a fraud alert on my report and I have no clue how someone is still able to gain credit in my name with a fraud alert. I want this removed ASAP along with the address attached to it. I included a copy of my ID and my recent pay stub to verify my address

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 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent letter to Experian on XXXX which was received on XXXX. Experian responded by saying that my letter was considered " suspicious correspondence '' and that no disputes will be initiated. I will be sending a follow up letter with proof to show that this is a legitimate ask. At this point, it has been XXXX days and nothing has been done yet outdated items remain on my credit report, negatively impacting my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX from Experian special services has not contacted me regarding my dispute. Per section 1681i a consumer has a right to access and contact the credit reporting agency to file a dispute. XXXX XXXX has not investigated the items in dispute and has not coded the accounts listed as XXXX 'Item disputed by consumer '. The FCRA clearly states " ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information " If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate ''. 
XXXX XXXX spoke with XXXX XXXX in regard to XXXX XXXX. He never initiates a dispute or initiates an investigation on this item. The XXXX items are known to be reported incorrect. Rather, he says he does than sends a updated copy of XXXX XXXX credit file with a comment 'Please contact the creditor ' at ... XXXX and no updates for the XXXX accounts with results of the investigation or verification of pertinant account related facts. 

This is not an complete accounting or investigation of the disputes items. The XXXX accounts are listed as individual and they were orginally joint accounts. In addition there is multiple errors and misrepresenations that XXXX alleges to be correct and are clearly not. Consumer disagrees with Experian customer service. Consumer knows the law, has the bona fide credentials, he is trained in the law by attorneys, he has work in a city court, and reads adminstrative and procedural law. XXXX XXXX holds XXXX XXXX and a XXXX training. 

If the creditors can not certify the accuracy of the information Experian must remove the accounts no conditions. If Experian was provided certification from the creditors then a copy of such should be remitted for creditor examination and a request for judicial intervention ( RJI ) will be filed in federal court for civil proceeding for FCRA violations. 

The consumer XXXX is the only one who can provide an affidavit to the facts of the accounts not the creditors who communicate misleading and false information via XXXX or other telecommunication or ( digital device ) to Experian.

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 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I pulled a copy of my credit report and the address listed for XXXX XXXX is incorrect. The address that was listed was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. A certified letter was sent to that address and it was returned to me as Undeliverable as addressed. I notified that credit bureau and requested this entry be deleted from my credit report due to inaccurate reporting. I pulled another copy of my credit report on XXXX/XXXX/2016 and the credit bureau just changed the address 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 non-monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Have put XXXX on even after power and utilities commission told them to take off Then put att back on and refuse to take off even thou its thru another company that is not original debiter they have refused for 4 years to take of lates of XXXX/XXXX/XXXX / XXXX and XXXX late payments even thu i have sent them all documents proof many times over they show my student loan twice and that it is not paid off XXXX owed they show half of credit limits and have XXXX limits and XXXX balance they XXXX limit and up to XXXX balance that they need to send all companies over the last 4 years new credit reports with an apology to me and company for not complying to federal and state regulations. 
That they have had information and letters rom fed and state agencies sent to them many times over and they take off then put right back on when they no better and have cost me XXXX in time copies certified mail and countless complaints over and over for the same thing for years Consent to publish the description of what happened? Consent not provided Supporting documents

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 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Three weeks ago, I mailed Experian XXXX specific things that I believe are incorrect on my credit report and asked them to investigate. On Saturday, I received a response in the mail saying : " We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. 
... 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. '' This is ridiculous, because I included a copy of my drivers license in the mailed correspondence. I contacted Experian on the phone yesterday, and the representative could not access my information. She also could not allow me to verify my identity so that those items could be investigated. She only said that I could tell her on the phone what my issues were. 

My rights as a consumer are being violated. Experian should have removed the incorrect information from my report right away, and instead they are refusing to even investigate if it is correct. I sent my complaint in the mail because I wanted to use my own words to describe the issues and not have some random person on the phone use hers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
my credit score has been XXXX for over a year and the past 7 months nothing has changed dramatically to warrant a NEW SCORE OF XXXX? Are you really doing this to me Experian? I am a member that looks and updates my report daily so this significant drop in my score needs to be explained .... NOTNING NEGATIVE HAS BEEN ADDED TO MY REPORT SO WHATS GOING ON WITH MY NEW SCORE THAT HAS DROPPED ME TO A MEDIUM RISK FROM A LOW RISK TO LENDERS AND WILL AFFECT MY LIFE IN A BAD WAY ... .I DONT DESRVE THIS XXXX ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 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:
When a corporation, bank or any institute checks on a credit rating, and then denies one because of that rating should not be allowed to use that to " ding '' a credit score. Also I do not like the idea of a credit reporting agency to take points from the consumer if the service from the inquiring identity denies that service. We as Americans are being destroyed by these banks and credit reporting agencies and they are using the excuse that the government and the FTC allows them that freedom to do so. It is time that the FTC and government agencies to step in and look at how the credit agencies and lenders are using the credit score system. I have yet in the past XXXX years been able to build my credit up because of these units using the credit score for purposes of denials of many infringements, such as, employment, bank loans, credit interest rates and so on. The Credit reporting agencies are basically at their own discretion on how they wish to destroy us by means of manipulated our scores for their own selfish purpose. XXXX XXXX, XXXX, XXXX, etc. and our freedoms are going to be taken away totally, and corporations with their greed are the ones causing this to happen, and our government is allowing this. Look at history, it will again repeat itself and the USA will be destroyed like the XXXX, XXXX, XXXX, etc destroyed themselves through greed. Please stop these corporations from destroying the American people for their own personal greed 's. The government has taken away our constitutional rights and when the foreign country takes control of this country will abolish the government as it takes over.

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

Complaint narrative:
Experian is reporting numerous inaccurate names and an irroneous BK on my credit report. My numerous attempts to have them remove it went ignored and experian told me to contact the furnisher the courthouse- who in turn responded in writing stating they do NOT reporting this information to any of the bureaus. So statement by experian is a LIE! I have then supplied proof from public search showing NON existance and NON accuracy of this account to experian who again ignored my request for deletion and I kept getting this -we will not reinvestigate your issue because we already resolved this- auto generated responces. this is rediculos and should not be tolerated The law states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.

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 2015-12-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XXXX XXXX 2015, I submitted a dispute sheet to Experian with several items of disputes. On XXXX XXXX 2015, I received a letter from Experian claiming that they have determined that my disputes were not sent by me. The disputes have been tagged as " suspicious '' and " fraudulent ''. They furthermore claimed that they will not be initiating any further disputes based upon what they have determined as suspicious correspondence in regards to my initial disputes. The Experian letter disclosed a phone number to discuss the problem with a representative. I called Experian and spoke with a representative. This person echoed the verbiage in the letter that was sent to me and would not remove the red flag, thus denying me investigation of my disputes. The representative insisted that I give the dispute information over the phone. I refused to do so because I want a paper trail of my disputes. Subsequently, before I received the denial letter from the 1st disputes, I sent a 2nd dispute sheet on XXXX XXXX, 2015. According to Experian, any subsequent disputes will be discarded. I am attempting to improve my credit score. Several years ago, I was a victim of ID theft. There was a report filed with the XXXX XXXX Sheriffs. Since then I 've seen items that I 'm not familiar with, therefore I 'm exercising my right to dispute those items that I 'm not familiar with. Please enforce Experian to honor my disputes and investigate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit Report score was not adjusted to represent items removed from credit report. In the XXXX XXXX I had XXXX negative accounts on my credit report and a score of XXXX. This XXXX XXXX XXXX accounts were removed and my score went up to XXXX. Several of the accounts removed were charged offs and foreclosures and my score only improved XXXX points. It appears that XXXX is not taking into account the delinquency reason/severity, such as removal of charge offs and judgements, in their calculations. Also, several companies that have negative information on my credit report do not properly reported the delinquency history of the account making it difficult to dispute an account. XXXX of the accounts is XXXX XXXX XXXX, which reported the account delinquent in the year XXXX. The account was opened in the XXXX XXXX. But no History appears for that year. Experian only allows to dispute an account once. After that XXXX time dispute the company makes it very difficult to dispute items. Experian does not have a contact email to write to them directly making it difficult to contact them. Phone calls are not the best method to contact a company since there is no paper trail to connect the customer with Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
the information on my credit score is all over 7-10 years old i got hurt at work XX/XX/XXXX and tried to go back to work XX/XX/XXXX but could not now i am trying to go back to work again and this credit score will not let me do any thing i have to work for myself because my injury makes me very unreliable why does n't workmens comp take care of me why do i have to have social security pay me not even near what i was making this country does not take care of its working men when they get hurt on the job i worked hard all my life i was getting ready to retire now i am homeless and have nothing

Company public response: Company 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: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I been Disputing to Experian the following Inaccurate, Obsolete and Outdated Information on this accounts:1.XXXX # XXXX.XXXX # XXXX.XXXX # XXXXFor the pass year. Please investigate Under CFPB Rules and Under F.C.R.A ( 15 U.S.C Secretary 168i ) and Corret the Erroneous marks on my credit report.

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