vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I pulled my credit report from XXXX XXXX and Trans Union and an unauthorized entry from XXXX XXXX XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX XXXX XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX and Trans Union regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.

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 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There is ID theft and discrimination. The company is unknown. I would cope up with the steps and procedures which the cfpb is going to take as long as it is required. Protection of credit discrimination must not have worked like that anyway.

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 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have placed a security freeze on my credit record with all XXXX credit reporting agencies so that I can avoid identity theft. I needed to lift the freeze with Transunion so that I could get internet service. Despite the fact that I provided Social Security Number, Birthdate and PIN number, Transunion would not lift the freeze because they claimed I had not changed my address in their records when I recently moved. However, on their own web site my account showed the correct address. They then required me to answer security questions and refused to serve me because I could not remember the credit limit on an unnamed charge card issued XX/XX/XXXX. They then required me to fax and mail copies of my drivers license, social security card, and a utility bill, but still did not fix my address in their records or lift the freeze. Finally after numerous calls and hours on the phone someone agreed to lift the freeze and i had to give a charge card number for a {$10.00} fee. Several days later I had to call back to get the " lift '' cancelled and the security freeze reinstated. They put me through all the same obstacles again. I had learned the credit limit on the XX/XX/XXXX bank card and gave it, and then they demanded the credit limit on an unnamed store card issued XX/XX/XXXX. I could not answer that question. Could anyone? I just kept repeating that I wanted the security freeze put back on my account and the lift cancelled. Finally they did as I asked. All these calls were handled by people speaking heavily accented and virtually unintelligible XXXX who rarely understood what I was saying and were clearly reading from scripts. I am sure this happens because Transunion wants people to give up in despair and order their so-called identity protection service which costs more that the leading service. They do not want people exercising their right to place security freezes and they make it as difficult as possible. This is not fair. This company should be punished.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I use to have a XXXX XXXX that was opened in XXXX/XXXX/XXXX and paid in full by XXXX/XXXX/XXXX. Credit card was Paid off in full before I closed that account, yet TransUnion is reporting it as placed on collection XXXX/XXXX/XXXX through a company called XXXX XXXX XXXX and is being reflected on my credit report as being in collections. 
Why is the credit card that a consumer paid in full and closed being reported / forwarded to collection agency. This is Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices. How can a credit card that a consumer paid in full and closed being reported being forwarded to collection agency and reflected on my credit report as in collection. I reported this to TransUnion XX/XX/XXXX and yet no action has been taken

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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:
Bureau did not accurately verify collection account. They did not produce a contract with my signature.

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 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX account should be removed from my Trans Union credit report as it was sent to Collections in error. My insurance paid this bill back in 2013 and the original amount was {$280.00} not {$410.00} like XXXX XXXX is claiming

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 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was unaware of the tax lien as I lost my job and switched apartments to save money. I found out about the lien AFTER I started working in XXXX XXXX XXXX XXXX at which time they lien/garnished me in a coercive approach that gave me no options in XX/XX/XXXX. I saw that it was removed in my XXXX account, then I saw it re-appear with XX/XX/XXXX at a date instead of XX/XX/XXXX. Should n't this be off my record by now? Not only did the government get its money back but it contributed to my becoming unemployed. Please help. 
I thought these items were removed if not close to their expiration date on my credit report and now they seem to be re-animated " zombie '' debt. 
Please help me fight this or explain what I am doing wrong. 
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 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX, XXXXThe name above is on my credit report and that is not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
After turning in a lease on our Chrysler 200 that was in good condition and XXXX miles under the mileage limit we were given a bill for {$1000.00} for excess wear .... wear consisted of small scratches that the photos on the inspection report show that are diet that could be wiped off with your hand. In addition the car looked like the inspector purposely made the car dirty and even charged for a windshield Crack that was less than half an inch and repaired same day from saflight. The chip had mysteriously grown to just over the XXXX limit. Lastly the XXXX key fob was missing, which was our fault as we forgot but called ally after the fact asking if we could send it in to not be charged and they refused. We feel grossly taken advantage of and ally did nothing to even bother to consider our request to review the photos of the scratches. The only legitimate claim were scratches to the underside of the front bumper

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 2016-12-07 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:
My Identity was stolen I provided all documentation so the Debt Collector will remove the debt, waiting on response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 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: VA

Complaint narrative:
I have made several attempts to download my credit information from Experian an Have called them o their hotline at XXXX XXXX to no avail. I have used their direct website where you have to pay as a last resort several times after they said they made repeated attempts to reset the system for me. I have had no trouble obtaining my tranunion, and equifax reports but this is an immenense mystery toe. I made an additonal attempt to apply by phone and surprisingly the system found me, but they said they will try to send me a copy to my home address within 15 days if they can track all of my information down. In any event they will attempt to locate my info and send what they have. This Is All Surreal. I am XXXX years old and XXXX credit agencies can find me on the spot, and another does not even believe that I am an American citizen. How Is this Possible? Does Experian do their call center business in XXXX? Please help me get a copy of my Experian report. Thye call center employee aqctually told me that she cold not help me. I am working with lexington law firm to help improve my score from fair to excellent. Ineed your help obtaining my legal rigt to posess my experian report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
i have been disputing this company with this company only to find out they are no longer in business, they have been on my credit report since XXXX stating i have a written off balance of XXXX dollars I do not recall getting or signing up for this card.The company is called XXXX.XXXX.Please remove from experien credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have some accounts on my credit report that are not mines. I can not dispute online per Experian. Experian is not questioning these accounts just saying they are mines. I have alot of inquiries I have disputed they wont remove but yet put a fraud alert on credit report. 

Account XXXX XXXX XXXX, opened in 2006 should have been deleted due to age of account more than 8 years old and information is incorrect. 
Account XXXX XXXX XXXX, this account is not mines and this bank never sent me any information regarding this bill. I do n't know what this is. 
Account XXXX XXXX, this is not my account. 
Account XXXX XXXX accounts on this report should be deleted. I have a XXXX for them. 
Account XXXX, this is not my account and I have disputed numbers of times even sending letters from XXXX to Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I HAVE BEEN THE VICTIM OF ON GOING ID THEFT AND HAVE A FRAUD ACCOUNT THAT IS REPORTING ON MY EXPERIAN CREDIT FILE. I HAVE DISPUTED IT ONCE AND IT WAS RESLOVED BUT NOW IT IS REPORTING AGAIN AND EXPERIAN WILL NOT BLOCK THIS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I ordered my free annual credit report from Experian. I also decided topay {$4.00} to obtain my FICO score. I received both. Experian then usedmy credit card info to bill me {$19.00}. I do n't know what for and theyrefuse to tell meunless I give them my social security number and birthdate over thePhone - in addition to my name. I gavethem my name and SS # but birthdate too was too much to divulge to strangers over the phone. They have no contact for billing issues. I saw multiple complaints for the same issue from others online. It looks like they are signing people up for services without authorization andthere is no way to address it with them. If you do n't pay, they 'll destroy your credit rating. I am trying to dispute it thru my credit card co but Ido n't know if that will be successful. I could use some help.

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: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a dispute to Experian concerning my credit information that should be deleted and it continues to stay on my credit report. XXXX is a collection agency that is on my report from the original creditor XXXX XXXX # XXXX whom has sent me documentation addressing my account which has a zero balance ; I forwarded this information to Experian and they continue to still report this on my report. Another issue is XXXX XXXX and XXXX XXXX are old accounts that should not be on my credit report. The other XXXX credit agencies have removed XXXX, XXXX XXXX and XXXX XXXX but I seem to running into a brick wall when it comes 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 non-monetary relief
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are HARD inquiries being reported from the following companies on my credit and Experian is refusing to remove them even after I called the companies and they advised they had no information on me or any inquiries. My information was used without my authorization. 
Companies : The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/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 2017-01-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am unable to access the website XXXX from XXXX. They said one of my security questions from Experian is wrong : what was the make of my first car. They pointed me to Experian ( CFPB Case # XXXX ). On their website, it gives a number to call to speak to a live agent to answer any questions. I have tried that number XXXX and there is no option to speak to a live agent. That is misrepresentation. There is no way to reach a live person. That 's first. Next, I know the make and model of my first car and it wrong with Experian. That needs to be changed. I need to be able to speak to someone there live to have this updated.

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 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is a report from XXXX XXXX stating the balance is Unpaid and there is still a balance owed. It did go to a collection agency but I PAID it off and have a letter stating so. So the exact same INCORRECT information has been reported XXXX on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have tried on numerous occasions disputing unknown inquiries with bureau stating that I did not apply for a job or credit with these people and wanted them removed, told the bureau that I 've tried sending letters to creditors for removal with no response

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 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Credit dispute department : XX/XX/XXXX - Contacted XXXX Services about account {$8300.00}, was informed that they would be sending me a XXXX form for balance on account. 
XX/XX/XXXX taxes, filed XX/XX/XXXX, Amount {$8300.00} Reported as income from form XXXX from XXXX Card Services, included as income reported for the year, and paid taxes for same. 
XX/XX/XXXX - Attempting to qualify for a mortgage, contacted XXXX services again, to request that the amount of {$8300.00} be removed from my credit file, after having received XXXX and reported amount as income in XXXX. 
XX/XX/XXXX - Am told by XXXX Services that the only way the amount will be removed from credit report is if {$8300.00} is paid to them to XXXX the balance on the account. Have spoken with various entities at XXXX, provided the XXXX form they sent me, but they refuse to XXXX the balance on my credit report. Can anything be done? '' XXXX has XXXX out the balance but XXXX and Experian has not changed it. I have the XXXX form if needed provide me with fax or email to copy and send. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXXXXXX 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 2015-09-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
I wanted to write you a formal complaint letter with regard to my loan modification. My loan was sold from XXXX to Caliber early this year. I completed an application for a loan modification following the sale. In XXXX, I received a proposal for a trial period of XXXX months. The problem was that monthly payment was the same as my previous, and the proposed terms was not a modification at all, but rather a 5 year interest only payment arrangement. During this time I was out of town for work, when I got back I immediately called Caliber homes to discuss that this was not a loan modification and that the monthly payments needed to be lowered, as due to divorce and other hardships I fell behind on my mortgage payment. However, I also stated that with the right loan modification, I would be able to make regular payments as I have good stable income, been with same company for XXXX years, and I want to keep my home and stay in my home with my XXXX kids. 
Caliber informed me that there was nothing else they can do, because I have missed the XXXX week deadline for appeal, since then I was trying to work with HUD, and other mortgage counseling agencies, with no results. 
I want to insist that Caliber homes review my file and hopefully provide a real land modification. 
I am still working toward and want to find a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting the account from XXXX XXXX XXXX XXXX which is more than 8 years since last delinquincy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Numerous entries on credit report for the same account/loan

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