vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is the second time that credit report companies XXXX and Transunion insert incorrect information on my Credit bureau. Right now as of XX/XX/2017, it appears a debt in collection from XXXX for a total of {$700.00}, apparently from an early default from XXXX. I have never got services installed with XXXX in my life. And this situation of having incorrect information and/or possible identity theft have been a nightmare for me. I have to resolve issues every time because this kind of information is appearing constantly on my credit report, affecting myself deeply. I request that the collection reports that appear on my credit reports to get removed. From a previous case, there is a police report ( see file attached ) in all XXXX credit reports, stating that I was victim of identity theft and have to perform this for a previous case. I need this issue to be solved at once, because right now is affecting my possibilities to own a home thanks to the collections that incorrectly appears on my credit report. I would like to please help me out with this issue, because it is been a complete nightmare to deal with this issues by myself. I really do not know what else to do.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Transunion will not allow access to my credit report to dispute the fraudulent items. They only display option to pay them money. They will not allow me access to dispute 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 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I keep getting an address on my report and i have never ever lived there, so please remove it. XXXX XXXX XXXX XXXX, IL XXXX I have never even been there in my life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This item was disputed previously. 

Transunion manually updated this Tradeline. 

However - it is an orphaned record from XXXX that has n't been updated since they converted to XXXX. 

This account : 1. Was opened XX/XX/2014 2. Is missing its ALL Balance History for the duration of the time the account had been open 3. Is missing ALL Payment Data for the duration of the time the account had been open 4. Is incomplete and inaccurate

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 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I reviewed my TransUnion credit report and TransUnion is allowing a charged off account, with the last payment date of XX/XX/2009 to remain on my account. The date of delinquency for this utility bill is clearly past 7 years. 

In good faith I filed a written dispute with TransUnion directly, as required under the FCRA to establish a private right of action. TransUnion only verified the amount as being correct and ignored the part of my dispute as it related to the stale reporting. 

I called TransUnion and they still refuse to comply with the FCRA, even after I advised them to please run XXXX through XXXX so they could see that my threat ( promise ) of a FCRA lawsuit should be taken seriously. 

I do not expect them to do the right thing, but the FCRA allows for punitive damages for a willful violation of the Act. I believe I will be able to meet that element with a direct written dispute, a telephone dispute, and a CFPB dispute. 

I am attaching a copy of the letter to TransUnion, which they ignored the actual subject matter of the letter. 

Please let me know if you need anything else. I will also forward you a copy of the Federal Complaint that I am filing. 

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 2016-07-27 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:
collection agency. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about. 

Thanks

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 2017-01-10 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:
I am a victim of ID theft. I am a California resident but someone out of state has taken out mortgages and credit cards in my name. 
I alerted the bureaus of this by mail XX/XX/XXXX ( see attached letter to transunion. I also sent a copy of a police report ( see attached ) and an id theft report from the FTC. 
All the bureaus complied and blocked all the accounts, but Transunion failed to do so. 
Instead of blocking they simply deleted the accounts and re-reported an account from XXXX XXXX XXXX after deleting. This is a violaiton of the FCRA which states they are to block fraudulent information. My last call to Transunion brought no remedy as they said they wo n't be removing the account from 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 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have request validation of this account many time and never received it Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] from XXXX XXXX and have notified Trans Union of XXXX XXXX noncompliance I do n't know who this account belong to. This is how Trans Union report this account. I ask that this account be deleted from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 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 have been dealing with this for years. I filed bankruptcy in XX/XX/XXXX. Several lenders reported falsely for some time which I finally was able to get corrected except for one lender. This lender would report false info and I would dispute it and then it would be corrected. I at a later time would then find out they reported the removed info again and I then would dispute it again and again it would get updated. Again I just found out they reported last month again using the previously erroneous info that was removed after I disputed it. I again filed another dispute today but I am getting tired of this game. This erroneous reporting is lowering my credit score. This is how I found that they did it again. I got informed from credit watch that my score dropped for no known reason. I pulled my latest credit report today to find XXXX has again reported the previously removed info showing a balance due and that the account is past due. They again changed the account closed date to XX/XX/XXXX when it was closed in XX/XX/XXXX and they are reporting that the account was re-affirmed after bankruptcy which never happened. Not only is the info they are reporting wrong it is an outright lie!

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 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
unknown name and address added to my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Hello, In regards to Bank Account # XXXX On : XXXX XXXX, 2016 XXXX XXXX , CA, XXXX - {$93.00} This charege appeard on my Bank Account . Once I noticed the charge, I immediately called Ally Bank and filed a dispute against this merchant of which I have never done business with. I 've never heard of this merchant. 
I had a new card shipped to me, and have not heard anything about this since. 
That is, until XXXX XXXX, 2016, when this appeared on my account : XXXX XXXX, 2016 XXXX XXXX Dispute XXXX ( Reversal ) - {$93.00} I called into your Bank and pleaded my case that I have not done business with this merchant, and do n't think that this company and Ally basnk should be ripping me off for almost {$100.00}. 
Your representative stated that she spoke with a girl in the disputes department and she told her to tell me that I should call my merchant and see if they would work with me. EXCUSE ME? 
I was then placed on anoher hold, while the rep, called over to disputes again. 
So, a girl named XXXX is 3-wayed into the conversation and says that the Bank sent a request to the merchant with the dispute. The merchant sent the Bank back documentation to prove that it is valid, which she had in front of her. An argument ensued when I asked XXXX to show me the documentaiton. She says that she will open up a SalesForce case to get the information. This proves that XXXX XXXX from Texas lied to me. XXXX changed her story 15 times, when I demanded her Managers name and phone number. She stated that she was the Manager as if she hired herself. I demanded her employee ID #, of which she refused to provide. This bank is XXXX-like. 
If Ally bank refuses to give me my funds back, there will be an Attorney Generals complaint filed against you. 
I will also obtain a re-finance and move my Car Loan someehere else. 
I expect this issue to be resolved immediately. After that I will shut my Bank account down with you. It 's such a shame that the relationship lasted only 1 year. I 'm glad your Bank finally showed its true colors. And I will advise others to stay away from your bank. Yes, I work at a large Corporation as well.And reputation means everything. I as well speak to customers over the phone in a call center, just like XXXX. 
Just wait. I will remain with 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 monetary relief
Consumer complaint received 2015-04-20 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Ad Astra Recovery Services Inc
State: IL

Complaint narrative:
I have ask Ad Astra Recovery Account XXXX on a number of occasion to validate this debt they have not. This account was included bankruptcy on XX/XX/2014Ad Astra Recovery is reporting to XXXX every month late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed a lien with Transunion for the amount of XXXX the lien has been paid off and I received a lien release and forward it by fax to Transunion . Transunion updated the lien as paid but did n't erase it from my credit. I was told by XXXX who placed the lien it would be removed from my credit. I told Transunion the same thing and they still wont delete it.

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 2016-01-09 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:
TRANSUNION has violated the law and continues to ignore me and must be held responsible for unlawful behavior and unprofessionalism : 15 U.S. Code section 1681i : ( 2 ) Before the expiration of the 5-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute the address and in the manner established with the person. The notice small include all relevant information regarding the dispute that the agency has received from the consumer or reseller! 
-Transunion refuse 's to acknowledge their 3rd party source who is holding my credit report hostage. They have failed to notify the superior courts office that i am disputing this item and they have never placed a notification next to this public record labeling it as " in dispute '' and this has affected my score. 
They continue to deny me an investigation and have denied me any further ones, and that is NOT LAWFUL! I have no proof, no verification and no notices from the records office or transunion that I have disputed this invalid lien. 

Transunion is also violating the law section ( b ) in the same paragraph. Which states : The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). 
-Transunion has not done this in any way shape or form and I have received absolutely no descriptions an procedures as to how and what actual evidence was used in the determination process. The records office has NO evidence of a request on this agencies behalf to verify ANY information under my social security number or even my name! This company is shutting me down like I am nothing to them! 



Notification of FCRA law violation regarding TRANSUNION. They have threatened me again. They have claimed that I will NOT be heard and I would like the CFPB to note that I will not cease to fight an invalid tax lien XXXX from my credit report. Transunion refuses to investigate anything nor do they acknowledge that this lien was deemed invalid and should be removed by law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Every thing that should have been removed was n't.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My name is XXXX XXXX XXXX. DOB XXXX/XXXX/XXXX. SSN ***********. I checked credit in XXXX XXXX, had score of XXXX. Suddenly it 's dropped. I signed up with XXXX XXXX. They list a second name of XXXX XXXX. They list an exorbitant number of credit cards. I am NOT XXXX XXXX. Please investigate and inform me who is using my identity and how this happened. 
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 2016-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
IN THE LIST OF ADDRESSES THERE IS XXXX THAT I HAVE NEVER LIVED AT. XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NEVER LIVED ANYWHERE BUT THE OTHER XXXX ADDRESSES XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/XXXX Chapter XXXX Bankruptcy petition # XXXX was filed in Hawaii and included creditor XXXX XXXX for an unknown amount ( guessed {$540.00} ). 
XX/XX/XXXX Chapter XXXX Bankruptcy discharged # XXXX including XXXX XXXX debt. 
XX/XX/XXXX - XXXX XXXX has continued to forward discharged debt to collection agencies. This debt has been disputed multiple times including asking the creditor ( XXXX ), debt collection agency ( XXXX ), and the credit reporting agency to remove the collection item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ITEMS THAT SHOULD BE REMOVE FROM MY CREDIT REPORT ARE NOT COMING OFF MY FILE, THERE ARE INCORRECT INFORMATION IN MY CREDIT FILE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have I submitted XXXX letters to the credit reporting agency asking for verification of account and how the verification as obtained. All letters were sent certified. I am questioning FCRA 611 nd FCRA 609 process. 
To date I have not received any reply to by letters sent certified on XXXX XXXX 2015 and XXXX XXXX 2015 certified. The Credit reporting agency has refused to reply and provided proper documentation for the records I listed in the correspondence and remove the items since not reply was provided. All copies of the letters and certified mail receipts are attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I 'm a victim of identity theft and some one got my information and try to open up lots of accounts in my name leaving me with lots of XXXX on my report. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX,XX/XX/XXXX XXXXXX/XX/XXXX. This is not fair to me

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 2016-06-14 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 request because I have been ignored by TransUnion XXXX XXXX, XXXX. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified with accuracy, that I disputed. Please resolve this matter as soon as possible. I have been dealing with this matter for months!

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 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion XXXX, XXXX 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 XXXX for XXXX XXXX County case # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXALSO SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 " HOMEOWNERSHIP FOR INDIVIDUALS WITH 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 " HOMEOWNERSHIP FOR INDIVIDUALS WITH XXXX PROGRAM '' 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 GOD WILL BLESS YOU I AM SURENANCY XXXX XXXXXXXXXXXX

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