vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX sent this disputed debt to a collection agency who has posted this account to my credit report. This is against the law. I have a right to dispute this bill. They know I do n't owe any money and sent this debt to collection company anyway. Collection information listed below. I will contact a lawyer about this. 
THE XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$630.00} past due as of XXXX 2016. 

Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$620.00} High Balance : NA Recent Balance : {$630.00} Recent Payment : {$0.00} Payment History : Account History : Collection as of XXXX 2016 I HAVE ATTACHED FCC COMPLIANT WHICH WAS DONE MORE THAN 3 MONTHS BEFORE ACCOUNT WAS SENT TO COLLECTION AGNECY

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 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
When my husband and I leased a car recently, the dealer said I did not have a credit score. I got my credit report from Trans Union showing the hard inquiry by XXXX XXXX. I also went to the XXXX XXXX free credit score site and got my score from them through XXXX. I called Trans Union but could not make the representative understand my dilemma. He kept telling me the problem was with XXXX XXXX 's calculations, even though the problem was n't their calculation but the fact that I had no score at all. I have written Trans Union three times but have received only form letters that do not address the issue. There was a slight discrepancy with my address which I have tried to correct, but again all I get in response are form letters. My husband and I have been married for 45 years and have essentially the same credit report. His score and the one I received through XXXX XXXX are well above XXXX. He had a near fatal illness last fall and if he had passed, I would be financially paralyzed. Can you help me find out why I do not exist in the eyes of Trans Union.

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 2016-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There should only be one name and one address on my credit report : XXXX, XXXX Wisconsin XXXX. This is the only name and address that should be used 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 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
victim of identity theft and fraud I have never establish credit or lived outside XXXX before 2014

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested validation of bankruptcy reference # XXXX on my credit report from Transunion and Transunion sent me a letter stating that they verified the bankruptcy record through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Transunion Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore XXXX has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records belong to me.

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 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit reporting institutions have false information about an account status that was paid off and account closed. When I reported here, the XXXX credit reporting institutions, namely ; Transunion, XXXX contacted the creditor, XXXX. Instead of correcting the account record, on XX/XX/2016, Transuion put my account into delinquency till a Law Firm I engaged complained TransUnion improved the account on XX/XX/2016 but retained the delinquency record on my report in addition to reporting that I still owe XXXX whereas not. All the said XXXX credit reporting institutions still maintain this balance. This has caused me to suffered gross financial and investments loss which instance my Attorneys are handling. I have kindly attached my XXXX account as proof that I owe them no monies as of XX/XX/2016. TransUnion should remove its delinquency report without much ado and all the XXXX credit reporting institutions should make the necessary corrections and indicate that the account was closed on XX/XX/2016 on payment in full of balance then.

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 2015-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion reinstated a previously deleted account that was not mine. The account was previously deleted by the collection agency. Transunion refuses to do a serious investigation on this account and this is ruining my credit preventing me from buying a new car. I am attaching note from collection agency saying they were going to delete account. The account was for XXXX and the original creditor was XXXX XXXX XXXX for the amount of {$66.00}. If they look in their files they will find that exact account reported last year and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Items are being removed from my credit report but it is not impacting my score in a positive way. I just had a big thing as a collection item from XXXX removed and transunion decreased my score by XXXX????? XXXX increased the number as it should be. 
There is disparity with their numbers and XXXX by XXXX points and they have the same number of accounts. I try to dispute and their customer service is rude and never listens. When I report to you, i did once before i feel like they take adverse action on my account.This has been going on since I reported them to you. All they have done is decrease my numbers no matter what is removed. 
I need them to just do the right thing and not be mad. its not personal to them it is to me.

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: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The Fair Credit Reporting Act entitles each consumer to XXXX free disclosure every XXXX months from each of the major credit reporting agencies, XXXX, Experian and XXXX. In XX/XX/XXXX I requested a copy of my free credit reports from XXXX, Experian and XXXX XXXX. I only received the credit report from XXXX. 
I attempted today, XX/XX/XXXX, to request a credit report from XXXX for my Experian and XXXX XXXX reports and received the message that I 'd already received my free credit report for the year. When contacting XXXX XXXX XXXX and the XXXX ( XXXX ) agencies mentioned above by phone, there are no options to suit my current situation. Thus requiring a letter be sent instead. However, neither XXXX or Experian list an address suitable to my situation leaving me to choose XXXX that may be incorrect.

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: GA

Complaint narrative:
I have disputed this account particular account more than 10 times with t he credit agencies and the creditor. The creditor has failed to validate the debt yet the credit bureau will not remove it and its damaging my credit file immensely!

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 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have notified Experian several times that the following information do not belong to me. Please assist me in getting this matter resolved. I never lived on XXXX and I never filed bankruptcy or event attempt to file bankruptcy.

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 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had an account with Experian that I set up to allow me to have unlimited access to my credit report. It was working well until they increased the minimum monthly charge by approximately double. I contacted them by phone and spoke to an Experian Customer Service representative who researched my account ( by SSN and credit information ). The rep was able to confirm the months that I was charged the higher monthly service charge and when and why the price went up. I explained to the rep that it was my understanding that the rate would n't change and was told that the situation could be rectified. I was immediately credited 2 months of service charges and am still due 5 months of charges. I have since cancelled the service ( over 1 year ago ) and still have not received the refund of approximately 5 months of remaining service charges.

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
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX I contancted Experian, XXXX and XXXX. to remove comments regarding a dispute. I went on record to remove the comments that I was disputing. Because I was trying to refinance my home the comments where affecting me in obtaining a loan. XXXX and XXXX removed them immediately. Experian said they had to get ahold of the person who I was disputing an ambulance bill that was not mine but my husbands. Experian said I had to wait 30 days. I was very angry but waited the 30 days then they said they could not remove the comments because the collection agency said not to remove them. The comments where that I was disputing this item. the comments came from me. How can a third party tell Experian what to do with comments I generated. till today XXXX XXXX they do not want to remove the comment that says I am disputing that claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Every time try to check my score on experian freeannaulcredit report.com and things like that they ask me to confirm bogus questions like who I have a loan with I never had a loan in my life like these crazy bank names they ask me about I had checking accounts with XXXX banks in my entire life and that 's XXXX Bank XXXX bank and my current bank I 'm with is XXXX that is it what all these bogus questions?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit Bureaus are giving out wrong information on me and refuse to give me my credit report. I am being discriminated by the credit bureaus and they are giving the XXXX person, who is using my information the correct information, and giving the people that I apply too, the wrong information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Disputed several accounts with credit bureaus over 60 days ago, still have yet to receive XXXX letter from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: AL

Complaint narrative:
Statebridge Company or one of it 's employees cashed a check for {$3100.00} that was sent to them to be applied to my escrow account. I have called daily since check was mailed to them and have been told they had not received it. The check was issued by XXXX ins and they confirmed today that they check was cashed XX/XX/2016.After speaking with XXXX different representatives and I confronted them with the fact that they had, indeed cashed the check I request to speak with customer service manager and was instead transferred to the insurance department. They have refused to respond to my written request to apply funds to my escrow account as request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a credit card account with XXXX XXXX I could not pay in full. I reached an agreement with them last year for a partial payment which was made then they closed my account. However Experian refuses to correctly report this account even though I have notified them of the error three times. They are still listing it as charged off in XXXX, XXXX, not XXXX as should be. Also they have the charge off amount incorrectly stated as {$5500.00}, when it is actually only {$2200.00}. 
I have explained this to Experian in detail with documentation and the settlement agreement. They still refuse to correctly report this account.

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 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear sir/madam, as I was going through my credit report on Experian few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called XXXX XXXX. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX XXXX OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with XXXX XXXX , XXXX XXXX or any of their affiliates. 
I am requesting that XXXX and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have attempted by indentification documents, documents citing the name change by the social security administration, to include the merging, mixing, and citing that there are XXXX such individuals with the same name as I have, citing that in a letter from the social security administration, and instead this corporation instead of accurately investigating the issue, just includes the others name on my credit report, and states that they verified the information, which is factually inaccurate. Experian is the worst, in support of the organizations that pay them, they will just restrict consumers from disputing online, citing they have already investigated a issue, when in fact they have n't, but still get paid to perform the same. In my mailing the dispute, i included IRS forms XXXX, XXXX, Social Security Cards, income verification from the social security adminstration, address verification showing my actual name, and it was ignored for profiteering. 
On my credit report there appears XXXX name identifications which are n't mine, neither as included in my dispute mailing per the social security verification system, does n't verify to my social security number, yet Experian states that such is verified, which is factually inaccurate, and malice in support of financial gain. The names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all are someone elses. To wit, XXXX XXXX XXXX XXXX, is my son, XXXX, date of birth XX/XX/XXXX. XXXX XXXX XXXX is my brother, XXXX, XXXX XXXX is XXXX. Experian allows unauthorized inquiries, and items upon the credit report, without verification of even the correct name, it 's profiteering, not investigating motivation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 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: NY

Complaint narrative:
YESTERDAY I TRIED TO OBTAIN A FREE COPY OF MY ANNUAL CREDIT REPORT BUT EXPERIAN AS ALWAYS REFUSED TO PROVIDE ME A COPY STATING THAT I RECEIVED MY COPY. UNFORTUNATELY, I NEVER RECEIVED A FREE COPY AND I WOULD LIKE EXPERIAN TO PROVIDE ME A COPY. I CAN NOT REACH THEM BY PHONE DUE TO MANY REASONS FOR WHICH I CAN NOT EXPLAIN. I WOULD LIKE EXPERIAN TO PROVIDE ME A FULL COPY OF MY FREE ANNUAL CREDIT REPORT. 
PLEASE FEEL FREE TO CONTACT ME IF YOU HAVE ANY QUESTIONS IN REGARDS TO THIS MATTER. 

THANK YOU XXXX 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 non-monetary relief
Consumer complaint received 2016-08-03 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:
There are several inquires I did NOT inquiry what is going on? I want these removed XXXX Date Filed XXXX/XXXX/2016 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/2016 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/2016 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/2016 Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX 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