vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX was reporting an error to the credit bureaus that my account was open, delinquent and had a balance. XXXX XXXX XXXX sent a letter to me and the XXXX credit bureaus on XXXX XXXX, 2016 correcting the error and explaining that my account balance should be XXXX, closed and not delinquent. Since then, the credit bureaus have continued to report it wrong each month which has killed my credit score, dropping it over XXXX points. I have disputed this account at least 5 times and the last time I faxed the copy of the XXXX letter as proof to the credit bureaus which opened another dispute. The dispute is now closed and Transunion is still reporting XXXX as delinquent, open and the balance keeps increasing each time it is disputed. I have an account with CFPB which includes this letter as my supporting document, refer to case number 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 2016-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
The phone rings 2 to 3 times a day, using different numbers on the caller ID looking for XXXX XXXX. When my mother finally spoke to some one asking for XXXX XXXX, she said no XXXX XXXX lived here then they asked for XXXX XXXX, again my mom said there was no one by that name at this number. The called said OK, thank you and hung up. The next day we receive a call showing ANOTHER TOLL FREE number on the caller ID looking for XXXX or XXXX XXXX. THIS is in reference to Ally Bank. No one in my family does business of any kind with Ally Bank. So far I see 3 different phone numbers being used.

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 2015-08-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX CO on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX CO has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I had checked XXXX on XXXX XXXX as I prefer to stay on top of my reports and I also checked on XXXX XXXX to find over XXXX inquiries that I did n't authorize. Nor is my signature on the inquiries. I only authorized XXXX I had called and spoke to numerous reps who just assume hang up on you or tell you repeatedly that they can not help you with the Inquires but also tell me no one was affected by the glitch when it was on all news channels even with proof in hand and they flat out refuse to connect you to a supervisor or anyone in the American offices to handle this matter per my request After 35+calls I gave up .None of the reps were remotely helpful or even knowledgeable some knew and some were quite belligerent and knew of the issue but just said sucks to be 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 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have disputed my XXXX account with TransUnion to no avail the XX/XX/XXXX late still appears on my report. I could not dispute the account online and no one from the company could tell me as to why. I have attempted to provide the letter from the XXXX which denoted they were going to remove the late. If TransUnion did and investigation on XX/XX/XXXX file # XXXX then the information would 've accurately been reported. I contacted the call center in which another file # XXXX was provided for me to attach a copy of the letter and fax the information into TransUnion. I attempted on several occasions to remit the information but the fax # XXXX is constantly busy.

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 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I called Transunion and customer service would not help and take care of the negative inquiries reporting to my credit report after I informed them that I am a VICTIM of their " inquiry glitch issue '' and now these inquiries have greatly impacted my credit score in the worst way. 
1 ) Inquiry Date XX/XX/XXXX- XXXX 2 ) Inquiry Date XX/XX/XXXX- XXXX XXXX ) Inquiry Date XX/XX/XXXX- XXXX 4 ) Inquiry Date XX/XX/XXXX- XXXX 5 ) Inquiry Date XX/XX/XXXX- XXXX XXXX 6 ) Inquiry Date XX/XX/XXXX- XXXX XXXX XXXX XXXX ) Inquiry Date 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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I am a victim of identity theft and have personal information listed on my Trans Union credit report that do n't belong to me. The following addresses and employment data do n't belong to me : XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN 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 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion is reporting XXXX invalid / cancelled XXXX XXXX, GA property tax liens on my consumer credit report. They refused to remove these items in the dispute process, despite proof of cancellation and the fact that the property in question was already surrendered and bank owned at the time the liens were placed. The XXXX XXXX XXXX Court and Tax Assessor 's Office has cancelled all liens in my name - I have provided documentation of this as part of my complaint. 

The state of GA does not require courts to report cancellation of liens to credit bureaus, and all of my efforts to resolve this matter directly with Transunion have been unsuccessful. Transunion refuses to consider any additional dispute of this information, and plans to keep these invalid, cancelled tax liens on my credit report for up to 10 years from the date of issue.

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 2016-05-21 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:
On XXXX XXXX, 2016 I attempted to get my XXXX Free Credit Reports on XXXX. However, only XXXX opened and I was able to print. I received an error message for Trans Union and XXXX. I requested TransUnion & XXXX by email directly from XXXX, on their website, on the " Contact Us '' page. 
I explained on XXXX XXXX, 2016, I requested my free XXXX major credit reports through XXXX. Only the XXXX Credit Report was received and printed on XXXX XXXX, 2016. When I attempted to open and print Trans Union I received an error message, which was exactly the same result when attempting to open and print XXXX 
They replied by mail and stated I had already received my XXXX report, however I could purchase another copy for XXXX. I have n't heard from Trans Union. 
I also called the customer contact number, left a message stating the same problem. Never received an email in response as requested. I did state how ridiculous a XXXX copy request would be, if I already had my annual credit report. This is a lot of inconvenience and time consuming tasks, especially if XXXX grants another copy. 
My problem is paying for the reports. I have to borrow XXXX, due to my total disposable income is XXXX per month. 
It has taken weeks to get a reply, therefore stalling everything unnecessarily.

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 2017-03-09 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:
On XXXX XX/XX/XXXX I sent a certified letter to Transunion regarding incorrect personal information and unauthorized hard inquiries showing on my file. I have written and spoken to creditors, on the phone, only to be told that I needed to dispute with the credit bureaus. XXXX and XXXX ( XXXX ) even were not able to find an inquiry with my SNN in their system and told me to resolve directly with Transunion. 
On XX/XX/XXXX I received my annual credit report from Transunion with a general letter explaining what was the inquiry. No results of the investigation were provided. 
I was in contact with Transunion XX/XX/XXXX and XX/XX/XXXX ( if I am not wrong ), in an attempt to dispute hard inquiries currently showing on my credit file. 
I spoke to Customer Service Representative and Supervisors. They stated that I could not dispute inquiries, because they were factual. I needed to contact the company instead of disputing with Transunion. I explained them that some creditors were unable to even find those inquiries in their system and told me to call back to Transunion. The supervisor said that they would not investigate and I had to contact creditors if creditors would not investigate I had to leave it as it was. I asked her to provide everything she said in writing and she refused. I then informed her that I was told by the CFPB that I had a right to dispute inquiries directly with the Credit Bureaus, as well as, obtain documentation used in the investigation. Nothing happened. 
In the meantime, the discrepancies go unresolved, because the creditors and credit bureaus are not on the same page. I currently have the following inquiries to be disputed : XXXX Date- XXXX XXXX Date XX/XX/XXXX XXXX Date- XX/XX/XXXX XXXX Date- XX/XX/XXXX and XX/XX/XXXX XXXX Date- XX/XX/XXXX and XX/XX/XXXX I could not dispute the inquiries, because both the customer service representative and supervisor refused to initiate the investigation. I want all fraudulent and unauthorized information to be deleted from my credit report. 

I also sent them a letter that I have received fro XXXX directly ( not XXXX ) telling that these inquiries were not authorized but should be removed but Transunion did n't remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The information that my XXXX was included in my bankruptcy is incorrect. We actually reaffirmed our mortgage and have NEVER missed a payment! We are still current on it. Please correct the reporting of this information as it is hindering my ability to refinance my mortgage. This is a direct violation of the FCRA.

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 — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is incorrect address reported on my list of home addresses. I never lived at XXXX XXXX XXXX, XXXX, AL. 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 2016-02-12 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: CA

Complaint narrative:
The website stopped responding and now I can not get my credit reports. The site says I already got them which is not the case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX/XXXX/2016 - TranUnion is reporting that my vehicle was repossessed by XXXX XXXX even thought I paid off my vehicle in full a couple months ago and XXXX XXXX send me the title documents. I noticed my credit score dropped XXXX points since this error occurred. 
It is so interesting that when these companies make mistakes it is always in their favor and never in the favor of the consumer. Please help me in getting this matter resolved as I am unable to contact anyone at the credit bureau to correct this error.

Company public response: Company 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: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I do n't know how I got fooled by Trans Union 's website into agreeing to their credit reporting service. I am a somewhat sophisticated computer user but they still got me. Their web site needs to be fixed, to be more straightforward. 
XXXX XXXX XXXX XXXX XXXX # XXXX CA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I originally had XXXX inquiries on my transunion report. I added XXXX more within the last two months for a total of XXXX within the last year. 
Every week, the entire XXXX inquiries are deleted for no reason. A week later, the XXXX inquiries are re added lowering my score. These same inquiries have been removed and re added several times. I am trying to rebuild my credit and this has dramatically lowered my score. This needs to stop. They need to stay on or stay off. It 's ruining 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 non-monetary relief
Consumer complaint received 2016-10-05 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:
Can you please remove inquiries from XX/XX/XXXX to XX/XX/XXXX. I 'm experiencing and issue with someone using my SSN. This was determined by a credit monitoring services, and I 'm also filing a police 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 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNIONIS PREVENTING ME FROM BUTING A HOME/ AS YOU WILL SEE FROM THE ATTACHED DOCUMENTATION XXXX HAS UPDATED MY FILE WITH THE DELETED ACCOUNT IN ADDIITION TO MY NUMEROUS REQUEST TO HAVE XXXX DELETED. 
According to the information given to us by your firm, the date of last activity by the ORIGINAL CREDITOR WAS IS NOT LISTED ON MY CREDIT REPORT ONLY THE DATE OF YOU PURCHASING THE DEBT. The State of Limitations on this alleged debt, even should it be ours, is 4 years in the state of Florida. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. Florida law reduces that time to 5 years for a written contract or promissory note and 4 years for an oral contract or open-ended contract/note. I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. ( 10TH REQUEST ) Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. ( 10TH REQUEST ) Any insurance claims been made by any creditor regarding this account. ( 10TH REQUEST ) Any Judgments obtained by any creditor regarding this account. ( 10TH REQUEST ) Name and address of alleged creditor. ( 10TH REQUEST ) Name on file of alleged debtor. ( 10TH REQUEST ) Alleged account number. ( 10TH REQUEST ) Address on file for alleged debtor. ( 10TH REQUEST ) Amount of alleged debt. ( 10TH REQUEST ) Date this alleged debt became payable. ( 10TH REQUEST ) Date of original charge off or delinquency. ( 10TH REQUEST ) Verification that this debt was assigned or sold to collector. ( 10TH REQUEST ) Complete accounting of alleged debt. ( 10TH REQUEST ) Commission for debt collector if collection efforts are successful. ( 10TH REQUEST ) Please provide the name and address of the bonding agent for your collection agency in case legal action becomes necessary. YOUR CLAIM CAN NOT AND WILL NOT BE CONSIDERED IF ANY PORTION OF THE ABOVE IS NOT COMPLETED AND RETURNED WITH COPIES OF ALL REQUESTED DOCUMENTS. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. ( 10TH REQUEST )

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 2015-05-03 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 had an account with XXXX XXXX that was closed as a paid charge off back in 2007. Recently I acquire another XXXX XXXX card and they are mixing both accounts and adding them as the same XXXX. I have never been late on my XXXX account and the charge off should had been taking off as it is passed the 7 year expiration marked. They are confusing these and this is making it impossible for me to get a mortgage. They need to fix this immediately by removing the old charge-off account. I am attaching the most recent statement. Account # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Creditor Contact Details XXXX, TX, XXXX Direct Dispute Account was included in Chapter # XXXX Bankruptcy XXXX XXXX, 2015, Account should Reflect closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed a certain judgement that is located on my credit report. XXXX XXXX placed judgement against me that was illegal and was revoked. I have disputed this with the credit bureaus and they continue to come back and say the judgement is valid when it is not. I filed a complaint with the CFPB against this company, and it is fact that this company filed an illegal judgement against me. They even reported back to CFPB, that they have stopped all action and revoked the judgement being that it was illegally done. I filed disputes and they refuse to remove this judgement from my credit report. The case that I filed with the consumer financial protection bureau against this compan which is eagle loan company and that illegal judgement they filed is Case # XXXX. This case they clearly stated that they are revoking the judgement and in fact it was filed wrong and they are not pursuing action. I want this removed from my credit file as well as compensated for them inaccurately investigating this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation