vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CA

Complaint narrative:
Transunion shows a collection from XXXX, which is an account opened through identity theft. I disputed this, and the response was : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. How is that an investigation? Also, the address of the person who fraudulently opened this account is listed on my credit report. I can prove beyond any doubt that I NEVER lived at that address.

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 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX inquiries were made to my Transunion credit report on XX/XX/XXXX that I did not authorize. They were all made on the same date and were initiated by a local auto dealership, XXXX. 

After a long dispute, XXXX confirmed that they were made erroneously and sent Transunion a letter confirming that they were made in error. This was over a month ago. 

To this date, Transunion has not removed the unauthorized inquiries from my credit and my score is being affected because of it. 

The first inquiry is under the name " XXXX '' on XX/XX/2016. 

The second inquiry is also under the name " XXXX '' on XX/XX/2016. 

These need to be removed from my report as soon as possible. 

I am attaching a copy of the letter that the creditor sent to Transunion so they can review it once more. I do not understand why it has taken so long to remove these unauthorized inquiries.

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 2015-09-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I had a debt from the 1990 's ( a vehicle ) and I received notice from the treasury department that my income taxes were being intercepted for this debt by a lawyer for Asset Acceptance Corporation. I have learned that this supposively went to XXXX district court in XXXX MI and it is on my public record as a lien. The statute of limitations is surely expired and now I am having a hard time getting credit. I need assistance on what I should do. This same lawyer has also went after a friend of mine who owns his own company and threatened legal action against him because I briefly worked with him. Please advise as they continue to harrass me. I have not spoken with anyone about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There is several credit card accounts on my credit report that I never applied for or used. An XXXX card, a XXXX card, XXXX called XXXX and the info for my XXXX card is incorrect

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: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Called placed to Transunion in regards to inaccurate information on my credit report Called XXXX XXXX XXXX. Spoke with XXXX XXXX ( that 's the name the Manager gave me ). Stated that my XXXX XXXX account showed a balance of XXXX. I explained to him I sent XXXX letters with acct # XXXX and # XXXX. Mailed to Transunion that account was paid in full and that the company sent information. He stated the information is not going to change and he will leave the information on the credit report. I thought the credit reporting agencies are to provide accurate information opposed to fighting on the phone with you in regards to the information. I sent copies that was received form the company that it was paid a XXXX XXXX updated all three credit bureaus. I am trying to figure out why my information can not be update accurately

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I recently pulled a copy of my credit report and noticed the following information are in error. 
Credit Inquiries The FCRA states that the only permissible purpose for pulling someone 's credit report is Firm offer of credit XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and Fact Act Free Disclosure Please remove these inquiries from my credit report immediately. 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 2015-06-05 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I 'm currently in the last stages of getting approved for a mortgage. 
I was approved up until they found that I was late on XXXX payments with AllyFinancial ( XXXX, XXXX and XXXX ) The payment date is on the XXXX, and afterspeaking with customer service they confirmed that I was not late on the XX/XX/XXXXpayment, although it did show that on my credit report. I have been a long time customer through your company for many years and hope that you will take that into consideration. Correcting this situation and hopefully retracting the other XXXX late payments from my credit report will help me immensely and willbe the only way I can improve my credit report and get my dream home. Your anticipated prompt consideration and cooperation with this matter is greatly appreciated. Once again, THANK YOUXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Premier Portfolio Group
State: CA

Complaint narrative:
I have recieved five calls from a company representing themselves as Premier Portfolio Group asking for my husband. When I stated that was not his number they proceeded to tell me he bounced a check, they have his social, and they are with an attorney who is filing a law suit at the end of the day today ( however they 've said this for several days in a row now ). When I asked them to stop calling and informed them that it was illegal for them to leave these messages they curse at me and then hang up. 

My husband and I have a joint account and there are no outstanding bad checks on that account, so this can not be a legitimate debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I 've been dealing with the collection agency XXXX @ XXXX. I was given a Settlement XXXX 2016, when given the settlement I advised the representative that I did n't have the funds for the {$180.00} settlement at the time. I then called them XXXX/XXXX/16 asking for a settlement to get the matter resolved by XXXX/XXXX/16 with help from my sister to resolve this matter. Per a XXXX, XXXX and XXXX with Adastra they advised me that they no longer have settlements avalible? I stronly disagree with them not choosing to allow me to settle the account when I 'm trying to get this cleared. I 'm a single mother with XXXX income trying to take care of my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed credit information for some time. I have now provided you with information on the mortgage company under complaint # XXXX credit bureaus are not conducting an investigation, even though I have provided them with documentation that the information they have is incorrect. 
I have challenged wrong accounts XXXX times. 
They only wait for the company to respond and say the information on the account is correct, and do nothing more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX SS # XXXX You still have not deleted XXXX as you can see XXXX has it displayed correctly on my report but you do not this has gone on for far too long you must correct tower FCU or delete it stop playing games and do your job!!! 
Delete XXXX XXXX You have id and utility bill an drivers id attached COMPANY XXXX - XXXX. XXXX XXXX XXXX - LOAN TYPE Credit Card Credit Card - ACCOUNT NUMBER XXXX XXXX - ACCOUNT HOLDER Individual Individual Account - DATE OPENED XXXX, XXXX XXXX, XXXX - STATUS DATE XXXX, XXXX XXXX, XXXX - CONDITION Closed Closed - LAST ACTIVITY XXXX, XXXX XXXX, XXXX - BALANCE {$0.00} {$0.00} - STATUS - Wage earner or similar plan - LATE 30 DAYS 0 times 0 times - LATE 60 DAYS 0 times 0 times - LATE XXXX PLUS DAYS 0 times 0 times - WORST DELINQUENCY None Reported None Reported - HIGH BALANCE {$0.00} {$0.00} - TERMS - - - SCHEDULED PAYMENT - - - CREDIT LIMIT {$0.00} {$0.00} - REMARKS Consumer disputes after resolution Chap. XXXX/dispute resolved/consumer disagrees - Contact 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 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
A CAR DEALER DID XXXX INQUIREIES WHEN I WAS JUST LOOKING. XXXX IN XXXX NEW MEXICO THEY BATCHED MY IMFORMATION TO XXXX FINANCIAL INSTITUTIONS WITHOUT MY PERMISSION. ALL I WAS DOING WAS LOOKING AT AUTOS

Company public response: Company 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: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been disputing my credit report with transunion and XXXX, I still have not received any written notification from any XXXX of the XXXX bureaus in response to my disputes for whats being reported first off they have the " Wrong '' DOB, that in itself requires automatice deletion. Also, they removed XXXX inquires from my report and the added them back some are which over 1 & 2 years old. Its to the point now where im really irritated because as a consumer we have rights and they just decided what they will put or keep on our reports that effects our everyday well being at their expense or leisure is that Fair reporting. With saying this Theie investigation took too loong abd I didnt get the proper notice of the investagation status or even results. It been well OVER 30 days. I want the items REMOVED at once. Also XXXX XXXX XXXX sold to this company after settling as as paid as agreed. I Want this removed or Im climbing the scale to take this futher.

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 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is reporting to the XXXX consumer reporting agencies an acct that should be closed because XXXX brought out my contract with XXXX. XXXX was also supposed to have paid the remainder of my bill with XXXX as part of their XXXX promo. I am no longer a XXXX customer so why are they reporting this account as open. I no longer have any XXXX phones. This account should closed and off of my credit reports.

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 2015-07-12 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 sent XXXX certified letters in reference to XXXX XXXX and XXXX accounts to remove the verbiage that I disagree with dispute. I said I DO NOT DISAGREE, so there is n't anything to resolve!!! Today they were both added back, why???. 
XXXX - " Dispute resolved ; customer disagrees '' XXXX XXXX - " Dispute resolved ; reported by grantor ''

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

Complaint narrative:
My husband and I are in the middle of an FHA Short Sale for the property located at XXXX XXXX XXXX. XXXX, GA XXXX. FHA /Investor requirement to be late on our mortgage to get FHA short sale approval. Supporting documents are uploaded. Please examine, audit or re-evaluate credit. As you see from the credit report that all creditors shows excellent record- " paid on time never been late. ''

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: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called XXXX via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted 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 2017-02-27 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:
As you can see in my original and continued documentation that I sent repeatedly to Transunion, they have violated the FCRA by not providing me the proof of validation of the incorrect information reported on my credit report. 

I want the incorrect items deleted or I am pursuing legal remedy.

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 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I believe this account to belong to my father who is a XXXX and I am a XXXX as I have not lived in that state or town since 2011

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 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:
Transunion has failed to provide me with the documents they have on file to verify the account I disputed. 
Section 611 ( 5 ) ( A ) of the Fair credit reporting act states that any information that can not be verified should be deleted. 
Being that the 30 day mark has past I request this account be deleted. 
Please take care of the matter as soon as possible.

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 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed for Bankruptcy on XX/XX/XXXX and Transunion is reporting an account late and charged off, since the bankruptcy and subsequent discharge on XX/XX/XXXX. I have disputed this information over and over with Transunion and they have failed to update the information accordingly. This account was NOT charged off prior to filing of bankruptcy and their should not be late payments reported once I have filed the bankruptcy. Furthermore, the status should reflect included in bankruptcy with a XXXX balance and no payment due. 

XXXX # XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXXDate Opened : XX/XX/XXXXResponsibility : Individual AccountAccount Type : Revolving AccountLoan Type : CREDIT CARDBalance : $ XXXXDate Updated : XX/XX/XXXXPayment Received : $ XXXXLast Payment Made : XX/XX/XXXXXXXXh Balance : $ XXXXOriginal Charge-off : $ XXXXCredit Limit : $ XXXXPast Due : XXXX ; {$320.00} XXXX ; Pay Status : XXXX ; Charged Off XXXX ; Terms : Paid MonthlyDate Closed : XX/XX/XXXX XXXX ; Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX XXXX ;

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Requested report and score ( for which I authorized payment ) from TRANSUNION CREDIT CO. Suddenly there appeared a monthly {$19.00} recurring charge on my credit card. Did n't authorize, did n't know what it was for, no confirmation or acknowledgement sent to consumer that such charge would take place. After researching the internet I was able to get instructions to " cancel '' my " membership ''. There were many such complaints online about this practice. TU has said there will be no more charges. The sales rep had such a strong foreign accent that I could barely understand him. I have also alerted my credit card company who have said they will cancel any TU charges and issue a new card if necessary. I have alerted them as well and am still fuming. Thanks for providing this site.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is incorrectly reporting a loan account as open with a balance despite being contacted by both me and the creditor, XXXX XXXX XXXX XXXX, and notified that the account is paid and closed. 

I 'm attaching the most recent letter from the creditor that the account is paid and 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 2015-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is for Trans UnionPlease note case number XXXX on file for XXXXDear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email. This item from XXXX and XXXX XXXX XXXX has been settled and needs to be removed from my credit report. My credit report is still reflecting this as a balance owed and now that it has been satisfied it needs to be removed or corrected with a {$0.00} about due. I am requesting that the credit bureaus delete the information or correct it. Enclosed is an attachment from XXXX XXXX XXXX supporting my position. Please investigate and delete or correct the disputed item as soon as possible. Sincerely, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I originally disputed XXXX old debts by XXXX XXXX XXXX. They originally closed and took them off of my credit report ( After an investigation and XXXX subsequent days ) ..However, I went back and checked my credit and they had reinserted XXXX of the XXXX debts. I was told over the phone that they " purged '' XXXX of the old debts. These debts are over the statue of limitations and will overall expire in about a 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 2016-06-15 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: NY

Complaint narrative:
I do not have SSN because I 'm on XXXX not able to work, therefore, XXXX does not issue SSN to me. 
However, I 've built my credit for over 10 months now, only XXXX provided me my credit report and score, as I requested, with alternative ID and security questions, while I dont have ssn. 
But Transunion refused to provide me my annual report & credit score just because I 'm unable to provide a ssn which I dont have, and I cant obtain.

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