vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Chapter XXXX Bankruptcy reported on my CR. 

The US Bankruptcy Federal Court of FL Does not report to Credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However Credit bureaus actively search public records for any judgments. A bankruptcy is public information, again the US Bankruptcy Federal Court does not report anything to various credit bureaus, nor they VERIFY that information reported on my Credit Report is ACCURATE. TransUnion has find information through third party research. 
I contacted Transunion by mail to provided me with copies of any documentation associated with this account " BEARING MY SIGNATURE '' with the name of the contact person in court that furnish the information to TransUnion. TransUnion failed to provide me with the requested information sending just a letter stating they " VERIFY '' the information and to contact the furnisher that is on my credit report and this is The US Bankruptcy Federal Court, I contacted the court and what I wrote at the beginning of this complaint was the court response. I sent the same request letter to XXXX and they removed the information from my report due to the lack of documentation. 
TransUnion Violated the law reporting information that they ca n't Validate with the Court stating that they " verified '' the info with the furnisher and this is the court and the court does not provide any information to them. 

No documentation were provide to me bearing my signature or how they verify the information. 
I formally request that this information be immediately deleted from my credit file TransUnion maintain under my Social Security number.

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 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I tried to het my free credit report and thry went all the eay to asking securty questions. I answered them corectly i dont have any line of creit with any stores but apprently someone does in my name. Im afraid im a victim of identy theft. I have a havker on my email and they have done thid. Were are thr packages going not here please help

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 2017-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SIERRA PACIFIC MORTGAGE
State: CA

Complaint narrative:
My mortgage is with Sierra Pacific since XXXX XXXX. They have lost payments, misapplied payments and charged me late fees when they were n't due. I have called them and emailed them numerous times with NO response from anyone there and finally contacted the mortgage broker that handled my mortgage origination to see if he could help. He was assured by the company in his communication with them that the problems had been resolved but as of XXXX XXXX XXXX it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They are refusing to follow the law. This is willful noncompliance. The FCRA clearly states the information in the credit bureaus files is the information that they store in there computer base on every consumer. The XXXX identifies the proper identification required ( drivers license and SS card ) + a written request by the consumer. Basically it says that if a consumer asks the correct way, in writing, and has properly identified themselves, the XXXX bureaus are required to disclose to the consumer exactly what documents are stored within their computer base that were used to verify the information that is being reported on them. There are 2 instances revealed in subsection ( XXXX ), ( XXXX ), whererby " accurate '' information can be removed. 1. ) if the information is outdated in Section XXXX. 2. ) The information can not be verified. " Verification '' is the focal point. I have attached the FCRA sections that state what I am stating as proof. I have also attached a letter from one of the hard inquiry companies that shows they requested to remove this hard inquiry by all XXXX bureaus yet XXXX still reports this inquiry. If this is not corrected I will take this to civil court. In the FCRA it also addresses the legal penalties to willful noncompliance.

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 2016-10-10 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
There is a remark on my business credit file from this company. It is unknown to me, I would like full validation. I did go through some financial hardships but that was more than 7 years ago and nothing should be listed on the credit file at all. Please help me as I requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I notified the credit reporting agency and they ignored my request for correction. 

1. The information is incorrect for the following account XXXX XXXX, XXXX XXXX, LA XXXX Please remove this inaccurate information from my credit report. 

2. The information is incorrect for the following account XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please Update to XXXX XXXX XXXX XXXX XXXX, XXXX, Louisiana, XXXX 3. The information is incorrect for the following account Federal Tax Lien Case Number : XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

7. The inquiry was not authorized XXXX BANK Account Number : Please remove it 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 non-monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have filed dispute to Transunion but they do n't give me proper notice of the investigation

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 2015-08-09 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 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 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 XXXX ( XXXX ) 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 2015-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Status of my Account reported to the XXXX credit bureaus XXXX not what was promised in my settlement agreement with XXXX Bank - Status currently shown as " Charge Off '', Settlement Letter Stipulates " Settled in Full '' XXXX XXXX Bank through its designated agent XXXX XXXX sent me a settlement offer stating if the amount requested was paid, my account would be " settled in full '' I paid the amount and met my side of the agreement. To this date, XXXX Bank is saying they do not have to report the status of my account as " Settled in Full '' I feel I have been defruaded by a bait and switch tactic taking advantage of someone just coming out of 4 years of unemployement due to the recession and trying to clean up the damage to my credit caused by unemployment ; offers to report the status positively as " Settled in Full '' to get the money and after recieving the money reneges on their agreement letterSee attached letters

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have asked Transunion to update info, they stopped on XXXX 2015, it is now XXXX, we have made all payments on time, please help with XXXX XXXX account # XXXX

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

Complaint narrative:
I have just received a copy of my credit report and it continues to show information that is incorrect. I have never used the name XXXX XXXX, I was born XXXX XXXX and then my mother added her maiden name to my last name, changing it to XXXX XXXX. I need that name removed from my record as it is wrong. The only XXXX names I have used are : XXXX XXXX XXXX, there is an account on my record that does not belong to me. There are XXXX XXXX cards on my account. The XXXX card, account number : XXXX, that was opened in XXXX, 2007, does not belong to me. I believe this account may belong to my mother, but it is not mine and therefore, it needs to be removed from my record. 
My financial record is regularly confused with my mother 's, XXXX XXXX, and my sister 's, XXXX XXXX, therefore I would like a note placed on my record that states that caution must be taken when adding information to my record due to family with similar names and addresses. 
I also need the credit reporting company to remove the old phone numbers from my record, as some belonged to me in the past, but not all of them, some belonged to my sister and mother. My number is XXXX XXXX XXXX XXXX and all those other numbers, either do not belong to me, or are outdated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting me 90 days late twice. last reported XXXX 2015. This is incorrect. I have paid on time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When requesting the government mandated annual free credit report via Transunion 's toll-free number XXXX, 4 attempts are made to sell services to unsuspecting callers. First attempt is to sell you a credit score ( 1 for yes, 2 for decline ), then they follow up to ask if you 're sure ( 1 for yes, 2 for decline ), and then two attempts to sell credit monitoring servicing. As someone who works in finance, this is fine, but for many consumers this can be very confusing and lead to payment of unwanted services.

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 2017-02-06 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Ad Astra is a collection agency that has taken over a debt that was discharged in my bankruptcy. I provided the document to XXXX XXXX months ago and now these people continually call me at work, on my cell and at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
The XXXX cadillac was wrecked XXXX/XXXX/XXXX. Ally was notified on XXXX/XXXX/XXXX that the car was total loss by XXXX insurance. At that time the insurance company requested the necessary documentation for the title. I completed my POA and returned to XXXX before XXXX/XXXX/XXXX. On XXXX, I received a call from Ally 's collections department. I advised the rep of situation and stated the check should be sent to pay off the debt. I called XXXX on XXXX, they stated all the documents had not been received and that Ally is known to send half of the information however the rep stated would request again. I received another call from collections and advised them again that this was to be taken care ... long story short - I have been on the phone with Ally and XXXX for several hours each week to get resolution. Finally on XXXX a check was over night to Ally. I get collection call on XXXX from Ally, I ask why are you calling a check was sent and signed by XXXX XXXX on XXXX at XXXX. Of course no body knows! Then I am finally told it takes 2 to 3 business to post payment. Ally 's customer service is horrible and this should not reflect by credit history negatively. I should not have to spend hours on the phone regarding paper needed to pay off a loan. This type of procedure should be common procedure that loan companies and insurances deal with all the time, but ever one just wants to point the finger at the other.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XXXX 2016 I checked my credit report and all of the inquiries had been deleted, however I checked my report and see they were put back with no notification. I would like these inquiries removed immediately.

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 2015-11-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I have paid my car loan every month on time and my car loan company has reported me 30 days late for the past 3 months. On my credit report it stated I was 30 days late for XX/XX/XXXX on XX/XX/XXXX. I am in the process of purchasing a home. I am unable to proceed because my credit score and report have been negatively affected by the false reporting. I have contacted the loan company and was on the phone for an hour and a half with no resolution. I was told it takes at least 20 days to research the problem. This is causing myself and my family major problems in getting a mortgage for a property that we want to buy. We risk loosing the opportunity to purchase what we want because of the negative reporting in error. 
As you can see in the attachment of my payments there is only XXXX late fee assessed and it is in XX/XX/XXXX. This was not late as you can see it was paid on XXXX XXXX.

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: NY

Complaint narrative:
Credit bureau continues to allow XXXX accts to remain on my acct without providing proof of requested validation. I deny XXXX accts that continue to be shown and stated sold to diff companies with each complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 've just reviewed my credit score and noticed a significant decrease. After reviewing my report on XXXX, I 've had about 12 hard inquiries removed and then reinserted. This is against the law as I received no written notification of changes. I spoke with a rep from transunion by the name of XXXX and she states she 's unable to delete it because it 's a glitch on credit karma. I 'm assuming this same glitch has affected the other credit bureaus because my score has decreased between XXXX points in about a month. I do n't care who 's at fault, I just want all inquiries removed because it violates my rights as a consumer.

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 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is in reference to TransUnion , LLC continuing to report an account from XXXX XXXX XXXX on my report that includes inaccurate information, specifically the date the account was opened and the original amount owed. I disputed this information and currently have submitted a re-investigation. The original creditor was XXXX XXXX XXXX , XXXX and the debt was incurred in 2011 for {$510.00}. This inaccurate information is causing adverse actions in terms of credit and employment.

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 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hello, Transunion continues to provide false and inaccurate consumer information in regards to my accounts as listed below : 1. XXXX XXXX XXXX. The account balance and payment history are incorrect as previously disputed. Account is current. This item must be updated or removed. 

2. XXXX Bank Account # XXXX. This account is current and the account balance is inaccurate. This must be updated or removed. 

Thank you for your assistance in getting these matters resolved.

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 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
about XXXX weeks ago, I filed a dispute with Transunion about an item on my report. it was reported XX/XX/XXXX as delinquent. it was paid in full in XX/XX/XXXX but still remains on my report. I called them today and they told me the law say 's it can stay 10 years. this was a bank loan that has been paid in full since XX/XX/XXXX that is 8 years ago. could you please have them remove. bank in report is XXXX XXXX Bank XXXX, in XXXX XXXX, AR. the way I understand the law, is that only bankruptcy 's remain for 10 years. thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I disputed inaccurate information being reported on my Transunion Credit Report. The investigation came back as verified. The credit bureau recommended I take it up with the creditor. I sent a letter for Verification of Debt to Applied Bank at the address listed on my credit report. The address listed for Applied Bank on the Transunion Report was : XXXX XXXX, XXXX XXXX, FL XXXX. I sent a Certified Letter, Return Receipt Requested to Applied Bank and the Post Office replied back with " Undeliverable ''. According to the FCRA, if there is inaccurate information on my report and unverifiable, the item must be deleted from my report. I submitted the information to Transunion by certified mail and they opened a new dispute. When I called them, I explained that if the information on my consumer report is inaccurate, it must be removed. They declined and insisted the Creditor has the right to " correct their error '' and update the information. I believe my rights under the FCRA and FDCPA have been violated causing me embarrassment, lost credit opportunities due to both Applied Banks inaccurate information on my right and Transunion 's reluctance to follow the law. I would like this investigated and enforced. I am filing a law suit against Transunion and Applied Bank for Violations of the FCRA and FDCPA. Thank you. 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