vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I opened an account with XXXX XXXX in XX/XX/XXXX. I closed the account XX/XX/XXXX. I NEVER had a late payment and was assured of this when closing with confirmation and receipts. I was also assured that I would n't receive a penalty for closing because there was no contract. In XX/XX/XXXX, I began receiving bills saying I owed {$360.00}. I called to clear the matter and was told that my debit was incorrect and I was to be OWED {$230.00}. I have never received that amount and noticed FALSE REPORTING on my credit report. Every time I call customer service, I am told I am owed {$230.00} but the account is still " processing ''. I am told that a manager will call me back but I have never been contacted to clear up XXXX mistakes and false credit reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I wish to make a formal complaint about a XXXX XXXX Public Entry on all XXXX credit bureaus. This Judgement described in these Public Record entries has been resolved and satisfied. Date of filing for this judgement was XXXX/XXXX/2011, Reference # XXXX, for XXXX XXXX XXXX XXXX XXXX. 
Despite this judgment being satisfied, it seems to present continual misinterpretation that this judgement is still outstanding and active with a balance. 
I feel this is unfair to my credit standing, and this is my only negative remark of my credit report and does not truly reflect my credit worthiness to date. 
I recently used the services of XXXX Law firm to review my credit worthiness and they seem to indicate that this public record was active with an outstanding balance when in fact the credit bureau reports I obtained personally and direct correspondence from the Law Firm representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : Acct. XXXX, XXXX XXXX XXXX XXXX ), who handled this judgement, indicates that this judgement has been satisfied and case has been closed. I have also enclosed proof of closure in XXXX XXXX XXXX, XXXX XXXX XXXX. 
In light of this information, I feel all XXXX credit bureaus should delete these potentially negative records to avoid further confusion to potential creditors in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
I tried to receive my annual report and was unable to process it from experian, this is the same if I try to dispute an item. I believe they are trying to keep me out of my report. I can not speak with anyone as there is no customer service number. when I call the number listed is just a message about paying for a credit report. I have no issues accessing any other credit reports ( XXXX/XXXX ) I would like to know why they are keeping from viewing the information they hold about me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is on my credit report is more than 10 years old and Experian refuses to delete. 

XXXX Address : XXXX XXXX XXXX XXXX, MN XXXX XXXX Account Number : 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 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has an impossible process to dispute inaccurate information. They wo n't let you dispute anything unless you buy a credit report. You do get the free annual report, but that report number expires and then you have to buy a report in order to place a dispute since you can ONLY dispute with Experian with a current report number, that they sell to you at a profit. After this, you are directed to go to Experian.com/upload to upload supporting documents, which never are able to be uploaded, limit of XXXX and black and white, and even when you follow the directions and try to upload the most simple of documents, you can not do it. So then they make you send by mail, which I am attaching the message they provide. They require to you provide excessive information, which then they will SELL or use to invade your privacy, requiring information that is NOT REQUIRED in order to process a dispute when you HAVE DOCS to PROVE a dispute. 
They want 1. a drivers license, 2. a social security card, 3. a utility bill. This information in totality is REQUIRED to send to them IN THE MAIL are they kidding??? Because when you are able to dispute online, you DO NOT have to provide this completely invasive information to them, but the online upload does n't work, since it 's too small or whatever the scam is, in order to REQUIRE you to provide TOO MUCH INFO especially not necessary, when remember, you already had to BUY the credit report. This is a phishing scam by Experian, a deceptive and abusive practice that they are doing. The only way we can now dispute ANYTHING is by providing information that they should n't have for a dispute process. We ARE entitled to a correct credit report, and we ARE entitiled to not to have to mail in a set of docs that are 1. not their business and 2. dangerous to put in any type of mail, XXXX, XXXX, etc, because the totality of those docs together are crazy. Even the credit reporting company should not be trusted to have those in their possession, especially for a dispute. Furthermore, XXXX and XXXX DO NOT play this deceptive game, they allow online disputes that actually work, and they do n't make you buy the report to do it, or provide all those docs that can get someone a passport, mortgage loan, government benefits, tax returns, you name it. This is illegal, and the response they give better not be policy and protection, because that 's you know what.

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 2015-04-10 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: UT

Complaint narrative:
I am not able to obtain my experian credit report or report #

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that 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 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the 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 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am being reported 60 days late with XXXX XXXX XXXX regarding my student loan while I was under deferment. They are erroneously reporting me 60 days late with XX/XX/2011. This needs to be updated to correct the status. Furthermore this was transferred /sold to another servicing company called XXXX and XXXX is duplicating this account and should be deleted all together

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 2015-10-04 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
in XX/XX/XXXX, i traded cars at parks XXXX of XXXX nc located XXXX XXXX XXXX tried again in XX/XX/XXXX and told them to only run mycredit with XXXX XXXX and no XXXX else.i late checked my credit reports andfound that they had ran my credit a numerous other places and brought myscore down approximately XXXX points.i called them and asked them to removethe unauthorized inquiries and was told they could n't do that and the creditbureaus would not.i would like them to remove ALL of their unauthorizedinquiries

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a credit card opened in my name that I did n't open. It has been two weeks and they said they were going to send paper work, but they said no paper work they are just going to call my credit companies and have it removed. I purchased a pair of glasses at XXXX and the next day someone opened a credit charge account at the store. It has made a severe Impact on my credit score, beings that my credit score is really good.

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 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a security lock removed from Experian. I have a letter from Experian that permanently removes the security freeze. I recently applied for credit and was told that Experian once again has a security freeze that will not allow any creditors to check my credit. An Experian Rep. stated that I put another security freeze only account. This is absolutely not true. I would never, ever put a freeze on my account again. Experian refuses to remove the freeze immediately. This is going to cause problems with a company that is trying to check my credit now. I hate 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 non-monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed this account with Experian on several occasions as well as filed a complaint being that the account is reported wrong. This account in not included in bankruptcy as it is currently reflecting on my Experian credit file as a negative information. I contacted the company which is XXXX to inquire as to why they are reporting inaccurate information. The company mailed me a letter as to what they are reporting to the credit bureaus. This goes to show that Experian has not correctly investigated my disputes. Attached is a copy of my credit report and a letter from the agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN fails to remove the XXXX account. EXPERIAN fails to verify this account. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX, has Fail to validate at my request on XXXX/XXXX/2015. The amount XXXX XXXX is reporting is incorrect {$1000.00} is totally ridicules, I have never owed that amount.. 
i sent this complain to XXXX and XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX OF XXXX XXXX accounts not related to me disputes was sent 3 times but problem is not resolved

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 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My XXXX says that I have XXXX missed payments from my student loans during a time Peorid where I had not even started to pay them off yet because I was still in school. I want to get rid of the missed payment marks on my credit.

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 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX I have the right to demand that Credit Bureau 's disclose to me all of the documents that they have recorded and retained in their file at the time of a request concerning the accounts that they are reporting in my credit report. I requested copies of the documents that they have in their files that were used to verify them. 

If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they should delete them immediately as required under XXXX XXXX XXXX a ) ( XXXX XXXX ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties they are damaging my reputation and credit worthiness.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted the Bankruptcy court asking their method of verification and they responded saying they do not verify or validate any information to the credit bureaus. The credit bureau refuses to remove the information although they specifically told me they verify personally. This is a direct violation of my consumer rights and I would like the false information removed immediately from 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 2016-05-19 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
XXXX leased a XXXX from XXXX XXXX XXXX in XXXX, NJ. Ally Bank financed the lease. XXXX turned the car in to XXXX XXXX XXXX in XXXX XXXX, NJ because I leased another car. Sales person checked the old car out for damage and called Ally for payout figure. I agreed to damages totaling XXXX for the front bumper and on XXXX/XXXX/14 my daughter sent a check for that amount to Ally Bank. Ally is looking for an additional XXXX for damage to the left front fender that was not there when I turned the car in. My daughter, XXXX XXXX, has made numerous attempts to resolve this issue but Ally refuses to speak with her. I am hard of hearing so I sent Ally a letter giving them permission to speak to XXXX but they refuse to talk to her.

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 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have an account from XXXX Account number ending in XXXX in which they had issued me a XXXX ( see attached file ) and cancelled the debt. I am requesting to have the account removed from my Credit History and all Credit Reports or identified a s resolved and closed account so as not to adversely affect my Credit Score. 
I can be reach via e-mail at XXXXXXXXXXXX or called at XXXXBest regardsXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/2016 my XXXX accounts were compromised. At that time I was using my XXXX checking account to pay bills online. XXXX of these was my XXXX account. While the XXXX account was frozen, the XXXX payment I had made was denied, but I did n't know that until receiving my next XXXX statement with a late charge. I called XXXX to explain, they mistakingly understood my XXXX account had been compromised and closed that account and issued a new credit card. The balance was transferred to the new account. I reissued the payment, but XXXX did not remove the late fee. I called again and they confirmed they received my payment and agreed to remove the late fee since the situation causing the late charges were not in my control. However the next statement showed a credit of the previous late fee, but there was a new late fee on the earlier late fee, and the battle continued and explaining continued. Each month they credited the previous late fees, but did so after the closing date so new late fees were incurred. My daughter got involved and after numerous calls, endless explanations, and dealing with an extremely rude XXXX customer service rep, she was able to convince XXXX that the original, very small balance, had been paid in good faith and the late charges were in error. All fees were reversed and the account was brought to XXXX balance. There should be no negative credit reporting from XXXX on this account. It has caused my credit score to drop over XXXX points in the last few months and I was just denied a XXXX XXXX credit card because of this. As you can see I have very good credit scores on my other accounts. Please rectify the XXXX erroneous 30 day late entries on the XXXX report. 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 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I have file a dispute various times with Transunion for the XXXX accounts that are being reported on my credit report XXXX. However Transunion indicates that they verified the information as correct but in fact I am no longer liable for this account because XXXX has informed me that they no longer own the account. XXXX informed that they could not bill me for this account because they no longer owned the account and could not provide me with an itemized bill in order to review and pay. So I request immediate deletions of this account however Transunion is indicating that the have verified this account as accurate. This item has not been verified please see Below : Investigation Results Current File File Number XXXXReport DateXXXXDispute Open DateXXXXNameXXXX XXXX XXXX XXXX XXXX, PR XXXXCompletion DateXXXX Account informationITEMDESCRIPTIONRESULTSXXXX # XXXX VERIFIED, NO XXXX # XXXX VERIFIED, NO CHANGEI am requesting inmediate deletion of these accounts as there is no information on record to verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
transunion does not give any information about collections in the free credit report, it is unclear if there are any or they are withdrawing information to be provided after a fee ( and maybe available publicly without an individual 's knowledge )

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 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i requested proof because i never used XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I asked XXXX for proof and it 's been over 90 days and they never responded to me. These are not my charges and will not provide me with proof with either of these debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I Paid a debt off with XXXX. XXXX other credit reporting agencies removed the debt, but trans union has not. I called XXXX and they said they have reported it paid, it is trans unions problem now.

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