vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC.
State: OK

Complaint narrative:
I obtained XXXX XXXX services in XXXX XXXX against the advice of nearly everyone I knew. In XXXX XXXX, my fianc and I bought a house together, so I cancelled my contract with XXXX XXXX. Given I had a two year contract, I knew I 'd have to pay a penalty for canceling early. Given I was contractually bound to XXXX for two years, I paid the cancellation fee. XXXX XXXX sent me prepaid boxes in which to send back the equipment they had rented me. I followed the instructions exactly and left the equipment on my porch to be picked up as was instructed. It was picked up. Sometime after that, I started receiving collections calls related to not paying for the equipment. I followed up with XXXX and they refused to speak to me since the account had already been turned over to collections. Say what? After arguing with XXXX and the collection agency for several months, my wife finally paid it so that it would n't go against our credit. We went to apply for a mortgage for a new house today and guess what! My credit is XXXX - and that XXXX fee that for equipment that I RETURNED and eventually PAID FOR just to get them to leave me alone is lowering my credit by nearly XXXX points!! Given we are applying for a jumbo loan, this is catastrophic because now we no longer qualify!. I explained to my mortgage officer what happened and she mentioned to me that this is common with XXXX and XXXX - that after you return the equipment they continue to hound you for fees you do not owe. She suggested that I file a complaint through consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My report show I worked for XXXX, I have never worked at this business. 
Also there is a name on my report that is not mine and address that I have never lived at.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-26 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:
my dispute letters and explanations I filed with letters that i typed and checked status on were never investigated and i didnt have any help or tranfered to anyone that could assist me to make a better future for myself with all this hanging over my head and is keeping me from purchasing a car, house or anything dealing with credit. this was to dispute the issues on my report that were since XX/XX/XXXX and until XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the past two years, I 've been trying to get my credit scores up. I 'm older now an more responsible. Each month I regularly check my credit score hopping I 'm moving in the right direction to make this happen. Obviously not. My scores rarely change an when they do it 's barely XXXX point. First of all my name is not being spelled right there are inquires that I know I 've not asked for. My work status has n't been updated none. This could be one of the reasons my score is suffering. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion Will NOT investigate and remove unauthorized inquiries from my credit report. 

REMOVE ALL UNATHRIZED INQUIRIES FROM MY CREDIT REPORT!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA 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 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 explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had filed an dispute with TransUnion on XXXX, advising them that the statement they made on my credit report saying hard inquiries stay on my credit report for 2 years and 1 month is false. 
The statue states that hard inquries remain on a consumer credit file for 2 years. 
TrannsUnion never responded to my dispute. The following inquiries are on my credit report. 
XXXX XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX and XX/XX/XXXX : requested on XX/XX/XXXX. 
TransUnion never responded to my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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:
I was divorced in XX/XX/2014 and my ex-husbands credit is still mixed with mine. I have a XXXX, XXXX, XXXX thru XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX cards. Anything opened before XX/XX/2014 is not mine. 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 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XXXX XXXX 2016 a criminal attempted to open a XXXX XXXX account in my name. I check my credit report daily through XXXX and noticed the inquiry on my credit reports. I immediately contacted XXXX XXXX who immediately cancelled the application and sent letters to TransUnion, XXXX and XXXX. As of XXXX XXXX 2016 TransUnion has refused repeatedly to remove the inquiry from my report despite multiple communications via certified mail from myself and 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 2017-03-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Upon ordering my annual credit report I noticed the company Ad Astra on my file. The entry was from a " XXXX '' account. Ad Astra was sent letters to verify and validate the debt, but I never received documentation to validate nor verify the debt. Additionally by law consumers should receive Dunning Letters so that they may dispute a debt in question. To my knowledge, Ad Astra Recovery has never forwarded a Dunning Letter to my attention and my address has been the same for over 4 years now. 

The company has not provided any information including the original contract with Ad Astra. I do not have a contract with Ad Astra.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing a complaint since Transunion has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over 30 day and since they can not verify, 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 matter ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
transunion had fraudulently keep adding the phone number XXXX to my credit report and it has been used fraudulently. I do not have that number currently in use for the last three years. I had the number removed from transunion several times but they keep adding the number back on my report. Their reason was because it was from XXXX, XXXX.i had told XXXX and XXXX several times that that XXXX is not my number XXXX ; I believe the number is being used for fraud and compromising my security with transunion. I also believe someone else has access to the transunion account without me knowing

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 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just reviewed my credit report and I am disappointed by Experian. There is NO such judgment listed with the Court for the date or the amount listed below : Judgment - Date filed XXXX/XXXX/2015 Case Number : XXXX $ XXXXExperian is subjected to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices, ( Section 1031 of the Dodd-Frank Act ). If this entry was indeed verified, please send me the name and address of the third-party provider or furnisher providing this data, so I may pursue additional legal remedies. Experian is in clear violation and I am demanding a full deletion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi, I 'm having problems with my credit report. Some or my information that appear on XXXX is incorrect specially about my employment status! It says that there is no employment reported about you. Anyway, I 'm having about XXXX inquiries that belongs to my social security report as I had applied for many credit reports and that 's all incorrect. All what i applied for was XXXX XXXX credit card on 2013. Please Help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is a three-part issue, consisting of XXXX different entities. XXXX LA, XXXX XXXX XXXX and Transunion are reporting long-standing debts that are not mine and constantly renewing the debt so it will not elapse. The totals are for : XXXX LOUISIANA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Last Reported XXXX XXXX, XXXX Creditor Name XXXX LA Account XXXX XXXX XXXX Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Total {$130.00}. 
Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Type Utility Company Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Total {$120.00} I have provided evidence to them that 1 ) the information they have is incorrect 2 ) that I have not ever lived in XXXX XXXX or XXXX 3 ) Have provided multiple copies of police reports, sworn affidavits from my employer where I was located ( in XXXX ) and they have refused to remove this information. I was the victim of Identity theft and provided multiple legal standards and to this day, they refuse to remove or work with me. This is direct violation of the FCRA and I want it removed. They additionally refuse to provide proof of any kind that I solicited service. Look at the dates, I cant not be at 2 places at once, canceling service days BEFORE I get service. 

Transunion refuses to vet the information and takes the creditor side of issues and WILL NOT accept any information regarding this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a certified letter to Trans Union on XXXX/XXXX/16 in reference to XXXX XXXX XXXX placing a derogatory mark on my credit report. I requested proof barring my signature from the original creditor from when I opened this installment loan and if those documents could not be provided/verified in a timely matter that account should be removed from my credit report ... Trans union sent no such documents but that derogatory mark still remains 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 explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
As we all know credit card company 's often incentivize there products by offering rewards. Well, we use ours often for purchases to get rewards, pay them off in 30 days etc. This month we purchased a long-arm quilting machine and is rd a card, which I have done many, many times to purchase. We got dinged XXXX points on f.i.c.o score even tho we received a " credit increase '' up to XXXX dollars by master card on this card because they said " you used your credit responsibly! The preveious month, XXXX dropped me because they said I did not use there card enough! 20 years with them! They dinged me for XXXX points! Well quess what, now my auto insurance, homeowners insurance went up substantially! My credit score has always been a source of pride for me and I guard it well. I have used my XXXX card in the past for XXXX or more and payed back in reasonable time without a " XXXX '' point hit! I have gone from low XXXX to low XXXX f.i.c.o. Score in two months for this! Why would a credit card company give me more credit if I was not worthy only to be dinged for using and paying it back in thirty days. I got XXXX in rewards from that credit card company that month, but my auto and homeowners policy went up almost XXXX a year! What in XXXX has changed. I 'm playing by the same rules I have played by fo fourty years now you damd if you use you credit card, and your damd if you do n't!!! Can you make sense of this for me. Regards, 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 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is a formal complaint to the CFPB about Transunion 's non-compliance with the provisions of section XXXX. Transunion is refusing to block information on my credit report that has been asserted to have resulted from potential identity theft. I sent the information over the weekend and the individual from the XXXX Department verified they received it on the XX/XX/XXXX. I have filed a police report and thus complied with the provisions of section XXXX and have asked for a block of the information. These accounts contain information regarding transactions I never made and thus state an inaccurate balance. I am submitting a copy of my police report, my FTC affadavit, and my identity for proof.

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 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My social security number was used to open a credit account. I contacted TransUnion to put a fraud alert on my credit file and had to listen to a 2 minuet recorded advertising message to purchase their credit protection services at {$11.00} a month. This is absurd. I had to listen to the entire recorded message in order to get a confirmation that they had put a 90 day fraud alert on my account. They were able to hold me hostage at a time were I felt very insecure about the identity theft that happened to me. I ca n't even imagine how many people they are able to scare in to purchasing this service from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 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:
Transunion has not done the required due diligence in collecting valid notarized documents from collection agency XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information on my credit report. Thus Transunion is guilty and libel of defamation towards me by using fraudulent documents to calculate and negatively impact my FICO credit score. Also when I sent Transunion personal documents to validate my identity and current address, they shared these with XXXX XXXX without my permission and have thus compromised the security of my identity and put my personal well=being at risk.

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 2016-10-19 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: IN

Complaint narrative:
my credit has been combined with my cousins who has the same name as me for some time now. I found out about this when I tried to refinance my home. at this time my credit was not locked and we were able to get thing resolved. I went to purchase a vehicle two months ago and the finance department says my credit is now locked. So now not only is my credit combined with my cousins but it is locked as well. I tried many times and wasted many hours on the phone with transunion. I even went as far as contacting a lawyer, he suggested sending a certified letter to transunion which I did more then 30 days ago I still have not heard anything. Anything you could do to help me would be greatly appreciated. Its frustrating right now because I can not apply for any type of credit at all.

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 2016-07-23 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:
There is an address listed on my credit report that I have never lived at. The address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I do not know whete this address came from but it is over XXXX miles away from me. 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 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I spoke with the creditor once and told them that I was investigating this as I had received several different bills from this medical company. I asked for any documentation that they had to tell me of this bill. None was supplied. No terms of payment were supplied either. After I sorted through my information I was unable to tell if this bill was accurate. Then, it shows on my credit report several times for a total of {$650.00} on Transunion and XXXX reports. Please remove this from my report as I have paid it as of XX/XX/XXXX and will continue my investigation as to where it come from. I will expect a full refund if this is inaccurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
In the XX/XX/XXXX-XX/XX/XXXX time frame I had a mortgage serviced by a subsidiary of ALLY Financial Inc . The subsidiary illegally filed a foreclosure action after mishandling my mortgage modification request and application. The subsidiary subsequently filed for Chapter XXXX Bankruptcy. I request my concerns be addressed by the parent company Ally Financial. 
The problems with the subsidiary GMAC Mortgage/XXXX XXXX. 

I request that the irregularities with misuse of Allonges, Robo signing, disregard for due process in the handling of jurisdictional requirements in the foreclosure process and a lack of standing by Ally Financial 's subsidiary be addressed and resolved by Ally Financial.

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