vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Account Discovery Systems, LLC
State: GA

Complaint narrative:
I went to school and took out a few loans to pay for the cost. I am now trying to work with the company to start repayment. they have given me a forbearance period. I have verified on several occacions what loans are owe and etc. This other company called account discovery systems llc keeps calling me with rude and unprofessional attitude. They tell me they will garnish my wages if I do not come up with a settle ment. I have documentation of what I owe. this company has XXXX complains on them. that 's a briefing and I will gladly give more if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had several debts closed on my Transunion report, and they are STILL on there under derogatory accounts/collections!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This has been disputed but no response as of yet.

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 2016-02-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: National Commercial Services, Inc
State: OH

Complaint narrative:
I am writing this complaint because of several violations of the Fair Debt Collections Practices Act by a representative of National Commercial Services. Several letters that failed to make clear the debt have been sent to my address and in recorded phone calls made on XXXX/XXXX/16 the representative threatened to turn me over the Department of Transportation, increase the debt should I verify the veracity of the debt, failed to read the mini Miranda, sent correspondence to my email after I told her that she could not use the address for communication and called me on my cell phone without requesting permission to contact me at that number. 

I request that a full investigation of these violations of the law be made by your office and the appropriate actions against National Commercial Services take place. 

I can be contacted at the above listed number and address. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I disputed the XXXX XXXX ( listed as XXXX ) on my Trans Union report. The account number is listed as XXXX They left it on my file. I contacted XXXX today and they have no record in any of their departments for a collection in my name. If this is the case, they could not have responded to Trans Union that they had a record for me. This means Trans Union did not even process this dispute but claimed that XXXX responded to them.

Company public response: Company chooses not to provide a public response
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 — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
An account listed under XXXX is being reported on my credit report.The Account is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
TransUnion shows 30-day late payments from XXXX XX/XX/2010 from XXXX on XXXX accounts. My accounts were always in OK and on-time status with XXXX. They have not removed these reports as requested, even though they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are accounts found on my credit report that I would like to dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not aware of these accounts and they should be investigated

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 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I met with my XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) a few years ago and had her pull up every delinquent account I had at that time on my credit report. We then made a loan with the credit union and paid off all my bad accounts. Now XXXX XXXX is showing XXXX delinquent accounts through Transunion. The creditor names say Collector. XXXX is for {$68.00} the other {$67.00}. I have no idea who these Collectors are? If they have a legitimate claim. Please send me the account info and contact info for the Collectors and I will pay them off. Thank you. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
" Input SSN is not issued by social security administration '' is on my credit report and I have a social from the Deferred Action.

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 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hello, A subscriber to Transunion, XXXX or XXXX, assumed my note management from XXXX XXXX Home Loans, and began the process of receiving and processing my monthly payments. In conversations and with staff at XXXX that have consistently reported my account in the default by a minimum of 30 days, though records reviewed by my broker and attorney note the account to be in current status. Similar actions in false and inaccurate reporting have been noted by the CFPB, as well as in litigation against the subscriber, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX v. XXXX XXXX. 

I ask that the inaccurate information be removed as their subscriber has failed to respond. 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 non-monetary relief
Consumer complaint received 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I sent several letters via the the Unites States Postal Service to Transunion demanding appropriate documentation or removal of several inquiries to my credit report that I do not recall authorizing. It has been over 60 days since the letters were sent and I have recieved no correspondance, no proof of authorization and the disputed inquiries have remained 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 2016-02-08 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:
TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the student loan accounts ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed.

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 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I submitted in several times a credit report disputed to Transunion and I do n't received a final answer of each accounts that are incorrect. The following students loan were reported twice. 
XXXX XXXX XXXX, XXXX XXXX Missed Payments Closed XXXX XXXX XXXX, XXXX XXXX Missed Payments Closed XXXX XXXX XXXX, XXXX XXXX Missed Payments Closed The other account is from XXXX that appear XXXX missed payments. This account was pay in full and in the credit information is incorrect. 
The XXXX XXXX XXXX XXXX # XXXX is a secured account with a saving account. Is impossible that can be 30 days in delinquency. 
The XXXX XXXX XXXX XXXX # XXXX has an incorrect information that not was investigated properly.

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 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
filed online dispute and unable to access 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 explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are XXXX accounts from XXXX XXXX XXXX that are reporting inaccurately onto my file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ... I have disputed them numerous times with the agency and they refuse to correct the inaccuracies and verify the items correctly. I have asked them to delete them since they remain incorrect and they refuse to speak with me to do so. I have repeatedly asked for them to provide me proof of verification, evidence of their investigation, reference numbers or absolutely anything and they do not show me or tell me anything. I have contacted XXXX XXXX XXXX regarding these XXXX accounts and they have repeatedly told me that no one has called or conducted any type of investigation from any of the credit reporting agencies. I am concerned as to why these accounts are allowed to remain falsely reported on my file. I will complain until this is properly removed! These accounts are hurting me and contain false dates, payment histories, balances and status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted Transunion several times but they just wo n't fix this. My XXXX XXXX credit card that I pay on time each month is not showing ( card # ending 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 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I got XXXX collections on my transunion report that was deleted between XXXX XXXX and XXXX of 2017 and reinserted without prior notice and XXXX credit inquiries that was deleted and reinserted without prior notice, called them to solve the problem but they said they can not do anything.

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 2015-05-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This debt is not a federally backed/guaranteed loan. It is being reported to the credit bureaus beyond 7 years. Also it is beyond NY statute of limitations ( 6 years ) to collect a debt. I Have never made a single payment to this debt in its history. 

( A Summary of Your Rights Under the Fair Credit Reporting Act ) Consumer reporting agencies may not report outdated negative information. In mostcases, a consumer reporting agency may not report negative information that is more thanseven years old, or bankruptcies that are more than 10 years old.

Company public response: Company 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: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
this not my account from XXXX {$540.00} please remove

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a disputed in reference to XXXX. I never applied for a loan with this company and I wanted it removed from my credit report. Trans Union went through their 30 day process and came back with nothing. They stated they included new information on my credit report, the new information was they lowered my credit score because they are a main resourse for 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 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The bank sent me XXXX letters and XXXX emails stating that i should submitt my country of citizenship and that its required by law for the card they gave me XX/XX/XXXX .when i called to give to them i was told i called the wrong department .they gave me a different number to call and i called the representative that handled that case started asking me questions and i stoped answering them and asked her if i was reaplying for this account And she told me no .she assured me it was not reaplying its a requirement to keep update what they dont have. She promissed its not reapplying for that account .i went ahead and answered the questions she was asking and when i was done she told me its updated but not open so i keep on paying the amount they send on the mail i said ok and the call ended .but that evening i received an email stating that i got a hard inqiry in my credit account from XXXX XXXX XXXX .i called the bank and complained they told me their is nothing they can do and i requested a supervisor .they gave me a supervisor whom i told what happend and he told me that inqury was legitimate .i explained that i called the bank to give my country of citizenship i wasnt applying because i have been having the card since XX/XX/XXXX .he told me at that point thats final .i told him to listen to the conversation that we had with the representative he said he will listen at it and update me .after fiur days he called and told me he had me ask if that was applying another account but still he told me its legitimate .i have attached the card from 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
Consumer complaint received 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
There are XXXX collections that are being reported as open on my XXXX and Transunion reports. When I called the collection company to pay off these collections the credit company informed me that they had no record of them. XXXX is for {$300.00} and the other is for {$500.00} XXXX are from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion is reporting my XXXX student loans multiple times as closed accounts, transferred accounts & delinquent accounts giving a false total of XXXX bad accounts. Their newest reporting caused my credit report to dive by XXXX points in 30 days. In truth, the XXXX accounts have been transferred to a new company & are all in positive standing. They are also reporting different spellings of my name that need to be removed ; I have never requested credit under the other variations. TransUnion has been doing this to me for yeeeeeeeeeeeaaaaaarrs. I 'm pretty fed up with their unfair reporting.

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 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my Transunion Credit Report and they are reporting a XXXX Auto Loan with late payments. I have contacted XXXX and they confirmed that I never missed a payment and that my account was always in good standing until the account was paid in full. Furthermore, this account is more than 7 years old ( XXXX XXXX, 2007 ).

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 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Not applying for an XXXX XXXX card, when XXXX changed to XXXX, was the sole reason my credit score dropped XXXX points, from " Excellent '' to " good ''. Why do I really care? Because your credit score factors into your cost for insurance, your fee for credit and in some cases whether or not you will get that job you are applying for. Why, you ask, would not applying for a card cause my credit score to drop so significantly? Trans Union, the credit reporting agency, said because I was an XXXX XXXX customer since the 1970 's and by not applying for a new card when the XXXX XXXX XXXX card was no longer valid. This caused my credit history to shorten to only 2.5 years of open credit accounts compared to what used to be 40 plus years of open credit. We know the history is still there and they have the records still on their file showing that I had a perfect credit history, however because the account is not open I get penalized. It seems backwards that because I did not expose myself to more credit that I am penalized in this way. 
Is XXXX at fault? Is XXXX XXXX at fault? Are the Credit Reporting Agencies, and their computer based scoring system at Fault? I am not sure, however I will work on getting this corrected and continue to update you, here on this page as I progress, or fail to progress, based on the " system ''. Will each of these organizations point their finger at the others? Will no one want to correct 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 explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My XXXX and Transunion reports are saying that I am utilizing over half of the available credit I have, because they are reporting that two of my cards that have a XXXX balance, still have the balance prior to my paying them. What 's odd is that right after I paid these two cards off, my credit score reflected as such. Now they are reporting the inaccurate amounts again, and it has caused my credit score to plummet down and cause me to be unable to qualify for a private student loan to finish school. I need this fixed, 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