vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-12 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:
I disputed the following credit inquiries on my TransUnion credit report both online and over the phone. I was told these inquiries would not be removed by many rude representatives. I have a fraud alert on my credit report and these inquiries need to be deleted as none of them are mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
The phone number they call from is XXXX. They have said that their names are XXXX XXXX and XXXX XXXX. After pressing them, they then say that they are Transworld and are trying to collect a debt for medical expenses. They start demanding credit card information and social security number for verification purposes ( yeah right )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 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: NJ

Complaint narrative:
I have tried to obtain a report from the agency to dispute this information. While I can obtain it on XXXX XXXX and XXXX, I can not get it from the agencies themselves to dispute the information. I have sent it in writing to the agencies, however I have not received a response nor have the issues been corrected.

Company public response: Company 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: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 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: FL

Complaint narrative:
My auto loan through ally XXXX XXXX is in good standing and when I make my payments every month I get no credit score increase for making on-time payments.

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
Consumer complaint received 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans Union Dispute Department XXXX, PA XXXX XXXX ( SSN # XXXX ) XXXX, Georgia XXXX Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. " This Is Not a Dispute '' Public Records-Judgments XXXX XXXX XXXX Court ( I never served with the appropriate paperwork. Please accurately report this information or delete from file. ) No Plaintiff. 

Identification Number # XXXX Claim Amount {$32000.00} I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g Section 609- Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed. Please communicate your intentions in writing. 

Regards, 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 2015-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Transunion is showing that XXXX XXXX KY has an outstanding lean on me in the amount of {$320.00} however that balance was paid by my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The CRA ( XXXX ) is giving out my information to companies who I no longer have a financial relationship with such as XXXX Bank. In the past 2 years that have given out my credit history to agencies I am not familiar with and as a result my credit score is very low. The hard inquiries by lending institutions sink your score. I have not authorized my credit to be checked by these entities. It needs to stop being a practice at 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 2016-05-19 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:
I have recently reviewed my Transunion credit report and observed that several inquiries that were disputed and removed and re-appearing on my credit report. Furthermore, other disputed inquiries have not been addressed at all. Transunion always reply with a standard response that it is my responsibility to contact the creditor and address my concern. This is in total contradiction of Transunion previous action because record will show that Transunion had deleted sever disputed inquiries. I am respectfully requesting that Transunion conduct a legitimate investigation into the following disputed inquiries. Furthermore, I want the name of the Transunion Representative that conducted the investigation and the name and contact information of the Creditor Representative that confirmed the inquiry was legitimate. If that is the case I am requesting Transunion to send me a copy of the documents used to confirm that the inquiry was legitimate so I can verify it 's validity. 
XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 ALLY XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 ( They send me a letter confirming that the inquiry needs to be removed. Letter will be provided upon request ) XXXX XXXX XXXX/XXXX/2016

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 2017-01-22 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:
For years my credit report has been merged with someone who has the same name as mine. I tried several years ago to clear up this issue ; I wrote to all XXXX credit bureaus and sent in utility bills only to be told that my utility bills were too old. I have XXXX and the process was overwhelming. My credit report is merged with another person with my name, XXXX XXXX. She has the middle initial of XXXX, and I have no middle name. I was born in XXXX and she was born, I believe in XXXX. I need this cleared up ASAP, as I am trying to save my house. I am trying to get a hardship/forbearance and I ca n't because there is a mortgage on my credit report that is not mine and is stopping me from getting the help need. The main item is a B of A mortgage account number # XXXX. This mortgage is not mine. There is another account that my mortgage company needs gone, a XXXX XXXX account number # XXXX. This XXXX XXXX account is not mine.

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 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I have tried to contact the credit agencies, but they ask questions which do not allow me to validate who I am. They ask about people owning property in Wisconsin, none of whom I know. I state that and they reject me. My credit report says derogatory, but I have proof from XXXX that they would remove the derogatory status. That was two years ago ( XXXX 2014 ) and it is still there as {$690.00}. I have uploaded the proof here. The credit companies make us go through loopholes to prove our existence, which are ridiculous. I can tell them every tax return for ten years and other info. but they will not ask questions I can actually answer. So my credit score suffers still. Please see point one in the settlement and release. I have also attached a screen capture of my " derogatory '' status. Please help.

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 2016-09-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
California Auto Finance Customer Name : XXXX XXXX Acct Number : XXXX I have a car that was finance by California Auto Finance, I was behind for my payment for just more than 10 days. California Auto Finance added insurance to my payment despite sending the proof of insurance to them and their staff calling and verifying the insurance to the company. I called and spoke with a representative named XXXX. I asked for information regarding deferment, since there is a hardship on my part XXXX explained to me their deferment policy and she said that she will transfer me to the collector that was assigned to my account. Upon transfer the collector was very rude and immediately asked " What do you want? '' I explained to her my situation and she did not even let me finish and say we do n't offer deferment. I explained to her that the other representative said that they do but she keeps on reiterating " We do n't offer deferment '' this time she said that " You need to send your payment we ca n't wait for it anymore ''. Despite this I continuously communicate with them through email and explained to them my situation. On XXXX/XXXX/2016, I received a call from a old colleagues of mine that I have n't talk in a while. They reported to me that a collector from California Auto Finance called them stating that I need to pay my debt to them or they will lock down the car. This a complete violation of Fair Debt Collection Practices Act. Specially in the state of California law where original creditor is also consider as the debt collector. FDCPA states that Debt Collector can not ask third party to pass on a message, which in this case they completely violates. FDCPA also states that debt collector can not call third party more than once and can only ask to obtain or confirm location, again California Auto Finance Completely Violated. FDCPA also prohibits them from revealing consumer debt, which again they violated. FDCPA also prohibits them from harassing or stating any threatening words and for them to say that they will shut down the car despite of negotiation and sincere efforts to pay the debt is just a blatant harassment. Not only that California Auto Finance has no customer service, they 're collectors are treating their customer inhumanely. California Auto Finance must remove and stop contacting individuals on my references. They are also more than willing to testify in court of law if I decided to pursue court actions against them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 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:
I checked my credit on XXXX XXXX around XXXX XXXX, 2016. And then again around XXXX XXXX. There were inquiries that were removed and put back on. I Called and spoke to numerous reps and they refused to connect you to a supervisor or anyone in American offices to remove the inquires due to the Transunion Glitch. Some of the representatives were even belligerent and knew of the issue but told me too bad. I would like the following inquires removed as a result of this : ALLY FINANCIAL, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 2015-10-27 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, TX XXXX ( XXXX ) XXXX Use my credit XXXX time and I only ask for XXXX time, I would like it remove if possible. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is an invalid and prematurely placed lien reporting in the public records section of my file. A TAX lien labeled under ID # XXXX needs to be removed. I have repeatedly disputed this account because it has been removed from my name and is no longer on my file in the county and federal courts. this lien was accidentally placed and is no longer valid nor has been valid for years now. I keep relaying this information to TransUnion to remove it but they refuse and keep verifying it as mine but do not conduct a proper investigation to see that it is NO LONGER ON FILE and not linked to my name. They refuse me any procedures or any description so that I may see how or who has verified this to be accurate. i do not believe that they have conducted a legal investigation at all. they continue to violate the law and they are ruining my life. please, can the CFPB and FTC help assist me in holding this company responsible for their fake investigative duties and their lack of proper correspondence with the consumer?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Account Discovery Systems, LLC
State: VA

Complaint narrative:
The debt collectors call and ask for someone that I have no knowledge of, in any way. I have told them they are calling an invalid number, but they have continued to call. I have advised them to stop harrassing me, but they say that I did n't tell them ( the person speaking ) personally so they do n't know not to call me. They are also harrassing my husband and he has told them the same, we do not know who they are talking about and ca n't help, stop calling. It 's been going on for months and they use different phone number, with no caller ID. Sometimes they 'll leave a message asking for this stranger, and we need to have him call them regarding an important file. They will not stop calling us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Delbert Services
State: FL

Complaint narrative:
I have been getting calls for the last year or so regarding a debt from Western Sky my husband and I took out in XXXX of 2013. I was unaware of the high interest rates on this loan and there came a point to where I could no longer afford to make payments. After getting calls from fraudulent lawyers stating that they were suing me for the debt owed I started doing some research. I was told XXXX different companies had my purchased my debt, when I called all XXXX companies none of them could give me a straight answer as to who now holds my debt and I can make a payment to remove said debt. I got a call this morning from XXXX .... told me that I will be having certified documents sent to my residence and that I had to show XXXX forms of id to receive said documents. I asked if XXXX XXXX XXXX could n't send me a pay off breakdown and a breakdown of my debt. I was sent a settlement letter from XXXX XXXX XXXX a few moments later with the settlement amount for the debt. I asked again for a breakdown of the debt it self and what all the charges were for, I got a voicemail from XXXX stating that he could tell me the amounts over the phone. So I called back and asked for the debt breakdown so that I know this company inst fraud. they would not provide me with this information. So here I am now filing a complaint. I want them to stop harassing me and provide me with the correct information so I can get this debt paid and removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 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: NC

Complaint narrative:
I enter all the information you requested about me, addresses, SSN, birthdate, but the questions you asked about my identity were question ( I think ) about my son who lives in Florida. My son has the same name as me but he 's the the XXXX, ( XXXX ) and I 'm the XXXX. I cant get access to my credit report which I need What should I do to fix this? Or is there something wrong like identity thief?

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 2016-10-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Trans Union is in violation of this law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had my XXXX XXXX card declined while at a purchase on XXXX at XXXX XXXX XXXX in XXXX XXXX, NJ XXXX I called customer service and was told that I called yesterday ( that would have been XXXX ) and said that I was moving and to send me out a new card. When that happens the active card automatically gets cancelled and that is how I found out that my information had been stolen. XXXX gave me the address that the card was to be sent to and when I put a freeze on my credit report and went thru the information a was the address again along with other addresses and phone numbers that were n't mine. Also the dispute from XXXX XXXX that was supposed to be removed from my report. They sent me a pre-approved credit card application and I tore it up. A few months later I get a bill in the mail for a credit card that I did n't open. I find it strange that XXXX of the reporting credit agencies on my recent account is XXXX. XXXX again, reporting my address from a barber shop address in XXXX. I need some help to find out what is going on, I attached a copy of my report and everything in yellow is not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Core Advisory Group, LLC
State: TX

Complaint narrative:
I received a card in the mail with Core Advisory Group 's phone number ( no name ) advertising home loan modification back in XXXX of 2016. spoke with a case manager XXXX gave him all my info. And explained that I have been denied for a mod on my loan in the past. He explained that they work with government agencies to force lenders to do a loan mods. I signed up for a total of {$2400.00} All they did was send out a few emails and and made some phone calls but got no results what so ever. sale on house was temporary stopped only because i filled a complaint with lender 's fraud dept. All my credit card closed due to backruptcy scheme that they practice through a third part.All i got from them was a bunch of broken promises, lot of lies, unaswered and unreturned calls, bad credit, stress and a huge financial lost and I sill lost my house. Core advisory Group had cease and desist order in Texas where i live at the time of signing and should not have collected money up front for these type of service. This company use to go by colleagues in law which has been accused of same practices and closed and as seen on their reconciliation form acknodwlede affiliation.They are a fraud and need to be stopped.Please help me get my money back!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief