vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I took a test drive at XXXX IN XXXX, ARKANSAS on XXXX XXXX, 2015 and specifically ask if they would run hard inquiries because I just recent had the last XXXX removed. They said " no hard inquires would be ran '' and they had XXXX banks run hard inquires which lowered my credit score XXXX and assumed 2 year expiration period. I did not authorize any hard inquires. Can you please help. 

Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have submitted proof that certain accounts are not mine and these accounts have not been taken off ( XXXX ). I have also disputed XXXX Credit Card account because it says I have paid late but I have submitted proof that I was not late on the account. There are other accounts I have disputed as well but they do n't verify the information and they do n't even look at the proof I have submitted. This is frustrating. I would like to buy a house and with this incorrect information on my credit report it is impossible to do so. XXXX has already removed the XXXX yet XXXX and Transunion have not. I have submitted the same proof to all 3 credit agencies but it is clear that they do not even take time to look at the proof. 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 - any and all accounts that have been posted on a credit report. Countless times I have fought with the credit agencies but have made very little progress. Even with the proof I have submitted it is still ignored. There are also other accounts that I never opened. I am trying to be proactive and tackle this before I hire an attorney to go after these credit agencies. Because the XXXX website only shows payments made during the current year I am unable to print off the proof of on time 2015 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 with explanation
Consumer complaint received 2016-07-06 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:
A few weeks ago transunion deleted all inquiries off my credit report and they were reinserted without notification prior to reinsertion.

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 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called Transunion Credit reporting agency and talk to a representative regarding unauthorized inquiries and the rep was very rude and just would not cooperate and understand my sense of urgency regarding this unauthorized inquiries. 
Please find below a list of the inquiries : 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 XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX In addition to the above there is a XXXX credit card that is reporting as a 30 day late payment, and I have never made late payments. Below is that information. 
Negative Accounts Closed Accounts XXXX XXXX TransUnion XXXX Account Type : Open Account Number : XXXX Payment Responsibility : Individual Date Opened : XXXX Balance Date : XXXX Balance Amount : $ XXXX Monthly Payment : High/Limit : {$3000.00} Account Status : As Agreed Past Due Amount : {$0.00} Comments : LAST REPORTED DELINQUENCIES : XXXX ACCOUNT CLOSED BY CONSUMER Hide Details XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I would appreciate you immediate attention to this matter.

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 2015-09-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
My wife passed XXXX XXXX, 2015 after 2 years of sickness. Our truck was in her name and I tried to take over the payments. I asked the loan office to put the loan in my name so I could make the payments. They told me they would need 3 weeks to do the paper work but in the mean time I should continue to pay the loan XXXX $ XXXX/month XXXX and the insurance. They faxed the paperwork to me so that I could switch the loan into my name and they told me it would take 3 weeks. I filled out the information and sent it back immediately. Again they told me it would take 3 weeks. I called every week for the last 2 months, checking the status of the paperwork. After weeks of calls, they finally told me they sent the paperwork to me through XXXX. 2 weeks later, I did n't receive the paperwork. Last week, the week of XXXX XXXX. I called and told them I did n't want the truck anymore because they had n't changed the name on the loan. I also requested the payments that I made be returned to my account. After that, they transferred me to someone who told me that I would not receive money back because I made voluntary payments when -- in reality -- they TOLD me to make the payments while they did the paperwork. I informed Ally that since XXXX XXXX I was unable to use the truck because the license plate and the registration was expired. I could n't register the truck where I live now because it was in my wife 's name. I was unable to use the truck to go to work and therefore lost money by continuing to pay the loan and insurance. The lack of immediacy in Ally 's response to my request cost me to get a used car just to get around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
DPT OF TREASURY XXXX XXXX XXXX XXXX, XXXX, XXXX.XXXX XXXX. PUT XXXX CHARGES THAT I PAID AT VA HOSPITAL THE DAY I GOT MED THEY HELD EACH OVER AND PUT THEM ON MY CREDIT PROFILE AFTER I HAD PAID THEM STATING PAYMENT AFTER CHARGE OFF/COLLECTION /PAID COLLECTION. I NEED MY CREDIT I HAVE. THIS IS CREATING ME PROBLEMS OF BAD CREDIT. PLEASE HELP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FOR {$72.00}, XXXX FOR {$56.00}. BOTH PAID BY CHECK AT VA XXXX. I NEED THESE REMOVED TO IMPROVE MY CREDIT. WHEN BILLED I PAY MY BILLS. PHONE:XXXX. I STILL AM FED LAW ENFORCEMENT OFFICER FROM XXXX. NOT AFRAID TO PUBLISH WHAT I HAVE AS ALL INFO SEEKERS ARE ACCOUNTED FOR BY XXXX, COMP ID BY THE SECURTIES I HAVE.

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 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I 'm trying to see my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The credit reporting agencies have been marketing their services to me while attempting to access my free credit report each year.

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 2015-12-04 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:
All of a sudden account appeared on my credit report on TransUnion from XXXX 2008. This account was part of the identity theft case that I was a victim of. Now they reported that account back on my credit report as closed, but shows that it has 3 late payments. I made a dispute with credit bureau but they do n't want to remove this off my credit. 

The account is XXXX # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have submitted countless disputes via online and certified mail only to be told that they will not investigate any further disputes. As per the Fair Credit Reporting Act ( FCRA ) per section 607 Compliance procedures [ 15 U.S.C. 1681e ; which states : ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
After reviewing the FCRA it appears this has been violated. I have sent this information twice trying to have it removed only to be told that instead of attaching as pdf file which the online dispute site suggest, now I am being told it should be in the form of a JPEG file ( picture ). I am requesting that XXXX XXXX account number XXXX be deleted per the FCRA. I have submitted the documents provided to me by XXXX XXXX and XXXX XXXX has requested this account be listed as paid in full, however Transunion will not use the documents provided and refuses to honor the request of XXXX XXXX. Rather they requested me to have XXXX XXXX call them and confirm. See Attached documents

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 — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed an entry on my credit report with the XXXX major credit bureaus, but the information remains. It is a debt of over {$1000.00} from the collection agency XXXX out of XXXX. The debt they attempted to collect from me was fabricated by a leasing company known as XXXX XXXX out of XXXX, XXXX. I lived at XXXX XXXX for approximately 10 months in XXXX. Due to illegal and dangerous activity on the premise including illegal drug use, frequent verbal and physical fights in the common areas, my family being victims of theft on multiple occasions and a fire arm abandoned and recovered by police near the children 's playground area we moved out in XX/XX/XXXX, breaking our lease several month early. Although the property manager actually was the XXXX to suggest I move out when I brought the above concerns to her attention in XX/XX/XXXX, when we moved out the owner threatened to charge us for breaking our lease ( claiming the property manager did not have the authority to grant us permission to do so ) and when he was unable to collect rent for the months we no longer lived on the premises the company fabricated approximately {$1500.00} of " damages '' they claim the apartment sustained in retaliation for my complaints of illegal activity and for breaking out lease. I have XXXX photos of the condition of every room in the apartment on the day we moved out, including close-ups of the condition of built-in shelves and closets, which show there were no damages to the apartment at all. When my security deposit was withheld, I immediately contacted the owner 's office via phone, explained the situation and provided XXXX photographs of the apartment on the day we moved out showing no damages, ( I provided these via email to XXXX XXXX at XXXXXXXXXXXX ). My email was ignored so I later called and insisted on talking to the owner himself who was very angry and refused to take any action to correct the situation citing that he was still angry that we broke our lease and complained about the dangerous and illegal activities in the complex. XXXX XXXX withheld my {$500.00} security deposit and sold the remaining " debt '' of over {$1000.00} to XXXX XXXX. I informed the collection agency of all these details and was continually harassed on my cell phone, even after requesting they only contact me in writing. These charges from XXXX XXXX and the corresponding debt sold to XXXX XXXX is completely fraudulent. I am filing a concurrent complaint about XXXX XXXX 's debt collection practices and am filing a complaint to the FTC about the leasing company XXXX XXXX. I 'm attaching the XXXX photos of the apartment taken while we were in the process of moving out on our last day at the residence in 2014.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 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:
I filed a dispute on XXXX XXXX, 2015. I requested validation after not receiving a dunning notice, bill, etc from the collection agency. The name on this account is not my last name. I have never had an account with XXXX. This account was previously being reported by a different collection agency and was deleted because they could not validate the debt. How is this company able to validate? The validation I received is just a print out from the debt buyer. I called XXXX and they have no accounts with my name. This is obviously a mix up and it is destroying my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have disputed this XXXX times. I did n't sign for this item bought online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Someone changed my address toXXXX XXXX XXXX PR without my authorization. That is not my corrrect address.I suspect a fraud with this change. Please take notice of this request as soon as possible. I 'm. very worried about a possible fraud. 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 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
This is a correction to my previous submission : Case # XXXX. 
In my complaint I stated the creditor that was being reported on my credit as XXXX XXXX XXXX. It should have read " XXXX XXXX XXXX ''. 
Since your website does not have a place to correct or add information, I submitted this form.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had XXXX late payment to XXXX XXXX Bank in XX/XX/XXXX. Since then XXXX have not had a late payment. I have had the card since XX/XX/XXXX. I did not havehave a late payment prior to XX/XX/XXXX. They put this account in the " con-sidered negative '' category and refuse to remove it from that categoryuntil XX/XX/XXXX.. .7 years of punishment for XXXX late payment. I contacted thebank and they said that they did not request the negative assessment. Icontacted the reporting agency and they refuse to adjust the time line. 
The punishment is onerous and unfair and I am unable to find a way toremove the negative connotation. I am not saying that I was not late thatone time -- I am not arguing about the validity of the " lateness '' but I amupset that I can not get the account re-classified. 7 years is way toolong to be punished for XXXX late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Service was being interrupted for 3 months and they didnt know why and they couldnt find why. I was not on contract and was paying for 3 months with no service. I told them to cancel the service and they where supposed to do so and they didnt,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 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:
TRANS UNION HAS BEEN NOTIFIED ON XXXX/XXXX/15 THAT I AM A VICTIM OF IDENTITY THEFT AND THAT AN ACCOUNT WAS OPENED AT XXXX BANK THAT IS NOT MINE. THEY HAD DELETED THIS ITEM BUT IT HAS REAPPEARED ON MY CREDIT REPORTS. I HAVE SUBMITTED TO THEM A POLICE REPORT 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 2016-04-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC
State: CA

Complaint narrative:
Original creditor claims that They were unfamiliar with collections agency and that I DO NOT HAVE ANY OPEN DEBT WITH THE ORIGINAL CREDITOR THEY SENT ME STATEMENT IN MY FAVOR ; Yet Their AFTER TELLING ME ON PHONE THEY WOULD WORK ON FIXING THIS I SHOULD TRY TO MYSELF?? My Insurance paid this {$480.00} bill I do n't owe anyone but collections agency ruined my credit score basically as my personal bank significantly lowered my credit line and gave false info as they left me with deragatory remarks with open collection unpaid.

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 2015-12-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I OFTEN PAY MY MORTGAGE AT THE LAST DAY OF THE GRACE PERIOD, E.G., ON THE XXXX OF THE MONTH. I DEPOSIT THE CHECK WITH A TELLER AT XXXX OF THE BRANCHES. 
THE TELLER GIVES ME A DEPOSIT RECEIPT THAT HAS RECORDED A LATER DATE, SAY THE XXXX OF THE MONTH. 
I THEN SAY THAT IS WRONG AND ASK THAT THE TELLER TO INITIAL THE DEPOSIT SLIP WITH THE DAY DEPOSITED, AGAIN THE XXXX. 
I THEN WIND UP WITH A LATE FEE AS MY DEPOSIT IS RECORDED AT THE CENTRAL OFFICE AS LATE, WHEN IN FACT IT WAS ON TIME. 

A. IS THIS LEGAL B. DO I OWE A LATE FEE C. WAS THIS SETTLED YEARS AGO WITH XXXX BANK (? ) XXXX WHICH PAID AN ENORMOUS FINE {$450.00} MIL FOR THE JUST THE SAME METHOD OF RECORDING PAYMENTS AND CHARGING ILLEGAL LATE FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 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 non-monetary relief
Consumer complaint received 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN WILL NOT GIVE ME MY REPORT ON LINE I NEED IT ASAP

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 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian XXXX, XXXX collection was removed after I sent ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of Maryland for XXXX XXXX XXXX case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX MD XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief