vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-28 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: AL

Complaint narrative:
I have advised the company that I 've never applied for a payday loan online. I barely no how to work the internet. Pursuant to the Fair Debt Collection Practices Act, XXXX : XXXX XXXX Sec XXXX ( b ) that your claim that I owe you money is disputed, and validation is requested.Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

XXXX inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 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:
The Transunion online dispute system NEVER works. I have had occasion to dispute items twice in the last 3 or 4 years, or correct erroneous information. Transunion is always the most difficult to deal with since they do not apparently automate the process.

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 — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
the information on my credit score is all over 7-10 years old i got hurt at work in around XX/XX/XXXX and tried to go back to work in 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 XXXX 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 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2016 all of my inquiries were deleted. I logged in today and now they are back and my credit score has gone down

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 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services
State: LA

Complaint narrative:
I have credit monitoring services through my bank and through OPM because I work for the federal government and alot of our information was compromised. I got an alert from both my bank and the credit services provided through OPM stating that Clarity Services , Inc. checked my credit report for some reason that is still unknown to me because I have not recently applied for any loans or credit cards. I contacted their XXXX number and they tell you to leave a message and they will get back to you, so then I sent an email regarding why are they making unauthorized checks on my credit report. I recieved an email back from a XXXX XXXX telling me to send them a copy of my govenment ID along with other paperwork so that they can investigate what is going on and why they are reviewing my credit report. I replied to the email and stated to him why in the world would I send you my infomation and I am trying to figure out why you are looking into my credit and it was unauthorized in the first place. He stated he understood but is still asking for my information. I have yet to reply to the last email sent by XXXX XXXX and I just do n't feel comfortable with the whole situation. Again like I have said it is unauthorized and I want it removed from my credit report and I would like for them to be investigated for unauthorized use to run my credit report. I have researched this company and many complaints have been made through the XXXX for the same activity that is happening to me at this current time. Please assist me in this matter because I am afraid that someone might be trying to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 
This item " Payment Status Late 30 Days '' reported by " XXXX XXXX XXXX XXXX XXXX '' is inaccurate because the due date for the {$68.00} past due was XXXX XXXX XXXX as you can see on my statement attached below. Payment was made on XXXX XXXX, XXXX as you can see on my statement attached below. The number of days between XXXX XXXX and XXXX XXXX ( 15 days ) is not 30 as inaccurately stated and reported by XXXX XXXX XXXX XXXX XXXX. 
The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the item be removed. 
Enclosed are copies of, statements and credit reporting details supporting my position. Please investigate this matter and delete the disputed item as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I filed bankruptcy in XX/XX/2014. It was discharged in XX/XX/XXXX of that year. However, the Transunion report is showing XXXX accounts that have not been updated since I filed in XX/XX/2014. Those accounts refuse to update the information on the Transunion report to show that the account was discharged in Bankruptcy. XXXX wrote a response stating they did not have to correct it because their files indicate it is discharged despite the credit report showing otherwise. XXXX has updated all accounts to show they were discharged in bankruptcy. Also, these accounts on Transunion still list the highest balance, which is well above my credit limit, date of last payment, and also list them as derogatory while the other agency has updated correctly. It should be noted I had issues with XXXX updating either credit report. I asked them to do what the law states and they told me they do n't have to because I am not " understanding '' the law correctly. All I want is the information corrected to reflect what is accurate. As stated before, they have not updated since I filed for bankruptcy. 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 2016-09-20 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Premier Portfolio Group
State: CA

Complaint narrative:
On XXXX XXXX, 2014, I received a PayDay loan from XXXX XXXX. I was unable to pay the loan off, since I have n't been working, due to a car accident. The loan was sold to premier Portfolio Group, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX, www.premierportfoliogroup.com. They have called all my references and provided them with details of the loan and they have threatened me with a law suit and the amount i will owe with court costs and attorney fees. I want them to stop contacting all my references and stop threatening me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed for either Chapter XXXX, XXXX, or XXXX in 2011. I ca n't remember exactly which XXXX. However, I cancelled and the case was dismissed. I notice that it was on my credit reporting that I had filed for Bankruptcy. I called the credit reporting bureaus and was told to contact the Bankruptcy Department. I did and Bankruptcy stated they had nothing to do with what was on my credit report because they did not put it there and for me to call the credit bureau back, but they would send me a letter stating that the case was dismissed. 
XXXX and XXXX removed the Bankruptcy. TransUnion stated for me to fax/send the letter to them a again and they would remove it. I mailed the letter because their fax stayed busy. TransUnion received the paper work and now they are saying they ca n't remove it because whoever put it on there has to remove it. I told them THEY put it on there. I am requesting that TransUnion remove this from my Credit File. 
Thank You Very Much!!!

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 2015-10-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: WI

Complaint narrative:
For the second time in the past XXXX months, American Education Services XXXX AES ) has sent my student loan to a collection agency, XXXX XXXX. In XXXX instances, I have received the collections notice and my current AES statement showing a current balance within the same week. The loan AES is currently servicing was originated and previously serviced by XXXX. Under XXXX, I always had a monthly auto-payment to issue payment at the end of every month. When AES took over the loan, I updated my auto-payment and continued issuing monthly payments as I have been for years. Since AES has taken the loan over from XXXX of 2015, my account has been sent to XXXX XXXX for collections twice. This is extremely frustrating because I need to write disputes every time this occurs to ensure I contest the debt to prevent any negative impact to my credit score. Given the fact the collection letter and my account statement ( showing my balance is current ) come the same week, it appears as though AES is preying on its customers. If customers do n't react, they could have very damaging and unwarranted impact to the customer 's credit. I have been making my monthly auto-payments for over four years, and it 's only been issue since AES took over the loan. Something needs to be done about this because this is downright harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Were all aggregated and Discharged via XXXX under account XXXX XXXX XXXX XXXX XXXX and are to be expunged from consumer credit report. The debt was transferred and then the remaining balance was completely discharged due to reoccurring illness first documented in XXXX 2007, however due to HIPAA laws in effect select details will NOT appear in public portion of consumer credit report. any such violation will result in fines and fees.

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 2017-01-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp.
State: OH

Complaint narrative:
I have an auto loan with United Auto Credit, and I am currently going through a divorce so I called and asked if I could set up a promise to pay for XXXX XXXX of my payment in full ( car payment was due XXXX ) and was told I could not, and if the payment was not made by the XXXX they would come take the vehicle from me. I asked to speak to another supervisor who proceeded to accuse me of trying to argue, also stated if it was n't paid by the XXXX it would be immediately taken. When I spoke to my mother who has worked in XXXX for 20+ years she asked to speak to this company so I added her to the account and they said the same things. She told me that it was illegal for a company to threaten, harrass, or intimidate a consumer especially when a payment process is trying to be set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
A company under a name of XXXX has an inquiry on my trans union credit report and there 's no way to remove it according to trans union online portal. This was a result of identity theft issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a twin sister, same date of birth, first name begins with the same letter, and social security # is different by only one digit. I have pulled my own credit report in the past and never had any problems. Now that I am trying to apply for a credit card, the company has pulled my credit report. It shows my social security # but it lists my sister 's name and all of her debts and her credit score. My credit is much better than hers and I would never qualify for a credit card with it showing her debts on my file. How can I go about correcting this and why would this happen in the first place?

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 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a state tax lien against me which I paid against me on my credit report and first I started by talking to the irs they said they could n't help but would recommend it dropped because the IRS made the following provisions : Fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on XXXX, XXXX XXXX, 2011 and second I visited the county clerk in XXXX ny where the lien was issued and she was going to drop it but the report was efiled so she could n't and just told me to dispute it and I should be fine but when I went to dispute it transunion said we will issue a dispute but it does n't matter it has to stay for 7 years ... now if the irs and the county clerk are willing to drop this idk why transunion has an issue with it.. I have just started trying to fix my credit and I have a kid on the way so I 'm trying to better myself in everyway for that so please any help on this will go a long way.. I have attached the efiled document and will be willing to give any info required

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 2016-10-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Coastline Financial Resources, LLC
State: TN

Complaint narrative:
I received a phone call stating that I had a debt and that documents were prepared to be delivered to my place of employment. I called and was informed of a debt for XXXX that I had no prior knowledge of. I was told the debt was from 2005 and they couldnt tell me anything about it, besides where it was from. I called where it was originally from, and they stated the amount was {$250.00}. I have been shown no proof of a XXXX dollar debt, and have received no notice of my right to dispute this. I was only told if I could n't make {$90.00} per month payments that legal action would be pursued. I was mailed a consent form to sign so that they could take money fron mt account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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:
Many Hard Inquires from XXXX to XXXX that were not issued by myself the owner of the account. 
I 've called TransUnion Credit Bureau about the fraud committed against me and each time I call I 'm denied the right to dispute those hard inquires that has help destroyed 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 2016-01-06 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
This activity was due to identity theft. I have sent over XXXX letters to the collection agency via my attorney demanding verification of debt ( loan documents, copy of check used for the loan, etc. ) and they have yet to send me anything. My complaint is that they have re-aged the debt several times over the past two years which adds time to it 's removal from my credit report. It 's my belief that they are doing this illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 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: CO

Complaint narrative:
I am unable to get my TransUnion report from annualcreditreport.com. I have spoken to XXXX different agents at TransUnion. XXXX tell me that I ca n't access online because I have multiple accounts with my Social Security number, and transferred me to dispute resolution, where they have not been able to do anything. XXXX have said I do n't have such multiple accounts. But I am still denied online access to my TransUnion credit report. What I want is to be able to order my report online, and to know whether I do or do not have multiple accounts associated with my SS number.

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 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
on XX/XX/XXXX I checked my credit report and all my inquiries were deleted. I logged in today an all of the inquires are back amd my score went down

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 2016-12-28 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:
Disputed account and they have not removed it

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