vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is still reporting a delinquency which is more than 7 yrs old and will not change their reporting status after multiple attempts through the credit reporting agency. The original delinquency began XX/XX/2009. they are a 3rd party collection agency and began their reporting when they took over the loan, which is incorrect. Per the fair credit reporting act, they are supposed to start reporting from the original delinquency date. Therefore, this reporting would not be on report because it is beyond the 30 day reporting status. Included are the documents stating the actual date and the credit report showing their reporting date. The credit reporting agency said they cant make them report correctly but that it was illegal. I have sent the same information to the credit reporting agency but to no avail. Please help me, to confirm they are incorrect in their reporting so I can clear this off 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 2015-09-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
In XX/XX/XXXX I purchased a XX/XX/XXXX XXXX XXXX, and received a loan with Ally Auto. On XX/XX/XXXX I had it refinanced with XXXX XXXX XXXX XXXX. They sent an overnight payoff which The credit union has confirmation that Ally received it on the XXXX. of XXXX, Ally never posted it. Since then Ally has harassed me with phone calls on late payments. My Credit Union voided that check and sent them a new one, and straightened it out with them we thought. Now there saying my loan was n't paid off till XXXX and I stillowe a balance. They have destroyed my credit since. They are still calling me, I wentback to the XXXX XXXX XXXX on XX/XX/XXXX she called them while I was still in her office no one knew anything about it, and said they would have to investigate it. I do n't know where to go next for help. All I did was refinance my car and its been a nightmare ever since

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i sent in all verifying documents they did not take the items off i dont know what else to do from here .... i have contacted the beaureas to no avail

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 reporting XXXX XXXX mortgages as open and unpaid theese XXXX accounts have been paid in full ACCT # XXXX and ACCT # XXXX ATTACHED IS CONFIRMATION FROM 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 2017-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX BANK has failed to validate the alleged debt directly to me by failure to provide a true and certified copy of the complete audit trail of said account, audit verification of debt entry in accordance with basal XXXX and XXXX and XXXX I also requested a copy of XXXX BANK 's Tax Registration Certificate, all of which XXXX XXXX BANK was unable to provide as stated in their response letter ( see attached letter ). By law under basal XXXX XXXX and XXXX XXXX XXXX BANK failed to validate their claim. A copy of XXXX XXXX BANK 's response to my debt verification was previously mailed to Transunion, however, your agency continues to allow XXXX BANK to remain on my credit report negatively affecting my credit. XXXX XXXX XXXX is illegally reporting negative on my credit also.

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 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX/XXXX/2015 I sent a dispute to Transunion disputing an inaccurate account balance, results came back that they verified the account, I then sent a method of verification letter to them on XXXX/XXXX/2015, they sent sent back a frm letter stating what the process is, I was not given the data furnishers name or contact information. I have the original documents and certified mail receipts sent to transunion that can be faxed in for proof. My next step is filling a lawsuit. The only acceptable outcome now is for the lien t be deleted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX XXXX, 2015, I tested the integrity of Transunion ( " TU '' ) by disputing amount owed on XXXX XXXX Account ending in XXXX. 

On XXXX XXXX, 2015, TU instantly deleted the disputed account without verification or permission from the original creditor XXXX XXXX. 

On XXXX XXXX, 2015, XXXX - ID : XXXX a Supervisor from XXXX XXXX verified to me that on XXXX XXXX, 2015 XXXX XXXX sent letter to TU to report the account. 

On XXXX XXXX, 2015, I spent about an hour trying to resolve this issue with TU customer service in XXXX. Representatives refused to give their names or ID numbers told me that they ca n't report it until they receive new electronic information from XXXX XXXX. 

On XXXX XXXX, 2015, XXXX - ID : XXXX a Supervisor from XXXX XXXX told me that TU is legally obligated to report the disputed account, and last electronically reported the disputed account on XXXX XXXX, 2015. 

TU clams that I deleted the disputed account, which is insulting & outrageous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Nothing was sent to me in writing about this debt. I got knowledge of it when I check my credit score this morning and this debt went into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am making formal complaint against TransUnion and XXXX Credit Reporting. 
I have paid XXXX XXXX Bank in full and I requested for these Credit Reporting Agencies to delete XXXX XXXX Bank off my Credit Report and they have refused believing XXXX XXXX Bank that I still owe them {$260.00}. I owe XXXX XXXX Bank nothing. I was a good customer and paid my credit card bill in full every month and than XXXX XXXX Bank came up with a bogus Idea of Fraudulent Activity on my account and suspended the account untill I could prove the account was mine. XXXX XXXX Bank was n't making any money in interest on my account so therefore they want to get rid of my business. I want an investigation into XXXX and TransUnion Reporting Agencies and also XXXX XXXX Bank.

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 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been notified by XXXX XXXX XXXX that my balance is being provided to all major credit bureaus but the account balance is not being updated. I have not been able to pay on this account due to inaccurate balancing updates. I have attached documentation that the balance should be {$960.00} so that I can begin letting my credit union make payments as they did on my behalf. But I find it unfair to do this and the credit bureaus are not doing their part to update the balance. XXXX XXXX XXXX said it was fine to have the credit union mail payments to the original creditor as which would notify them of the payments received as which, XXXX would then in return notify the credit bureaus. There are old debt ( not that I am admitting to these debts ) that has exceeded the time limit but yet displayed on my credit file. For example, XXXX XXXX XXXX expired XXXX 2016 but still displaying on all credit files. Whenever I disputed a debt, I always said " it 's not my debt '' because of the laws to restart the count, but the credit bureaus restarted the counts ( review my credit files, you will see ). I also disputed the " suffix '' on my name with XXXX in Report Number : XXXX because I am not a male and never had " XXXX '' on my name. This is yet to be corrected because I have not received an updated report to reflect this. See attached that reflects this name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I called Transunion twice now about their inquiry issue and the rep XXXX XXXX told me he was unable to comment on XXXX and the inquiry issue that I needed to refresh my browser. I put a freeze on my credit because I did n't know what was going on and i called them again to report this and their Customer Service would not help and take care of the negative inquiries reporting to your 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 2015-05-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HARBORONE MORTGAGE, LLC
State: MA

Complaint narrative:
Hello, I requested a per-approval letter from XXXX mortgage to buy a home. XXXX Mortage lender XXXX XXXX, pull my credit history without my approval. he told me that he can not issue a pre-approval because he did not have my XXXX forms for the past years. i said my accountant is on vacation and i can not current get them. i asked him to withdraw my application. However XXXX XXXX pulled my credit history and that damaged my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Years ago an overzealous police officer issued several citations. As soon as the magistrate saw them the charges were dropped. Non processed. I took it a step further and had a judge issue expungement of my records. This expungement was ordered to remove all reference to these charges. The credit rating agencies should not be showing this information.

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 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My enrollment at the University XXXX was from XXXX XXXX through XXXX XXXX XXXX. 
Then I enrolled at XXXX University for fall XXXX. However, I once I graduated from the University XXXX XXXX I had a grace period of 6 months on my loans. 
XXXX Loan was opened XXXX XXXX, XXXX and one was a Subsidized Federal Stafford Loans in the amount of {$2100.00} and Unsubsidized Federal Stafford Loans in the amount of {$3000.00}. Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans have a six-month grace period before payments are due. 
According to federal law : The grace period is a set period of time after you graduate, leave school, or drop below half-time enrollment before you must begin repayment on your loan. The grace period gives you time to get financially settled and to select your repayment plan. Not all federal student loans have a grace period. Note that for most loans, interest will accrue during your grace period. 
Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans have a six-month grace period before payments are due. 
Graduate and professional student borrowers with Direct PLUS loans that were first disbursed on or after XXXX XXXX, XXXX receive an automatic deferment while in school and a 6-month deferment after they graduate, leave school, or drop below half-time enrollment, which is comparable to a grace period. 

Therefore, I was not liable to pay this account until XXXX XXXX. At this time I had received an in school deferment and I was enrolled at XXXX XXXX University. At this time, I ask that you remove the 60 day late payment immediately off of my account and credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I was perusing the Ally Bank website tonight to see if they were offering higher deposit account rates than what I'mean currently earning. In several locations you 're given the option of comparing their rate to other banks ' rates. Every time I elected to see " other banks ' '' rates, it listed only XXXX - the bank I currently use! I had n't provided them with that information. They clearly did n't feel they had to hide the fact that they had obtained my private financial information. I feel violated and outraged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 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: VA

Complaint narrative:
I have had several id theft issues over the last two years, and have been the victim of data breeches. I was alerted by my credit monitoring service that XXXX, an internet lender that is not allowed to lend in my state was negatively reporting on my credit. I purchased a copy of my XXXX in XXXX report form the credit monitoring service, so that I could see exactly what was being reported and for how much. It was reported on my TransUnion report only. 
I was advised to dispute the XXXX reporting on my credit report from TransUnion, so I did by sending a letter with all of the proof that it was a void loan to begin with, asking for it to be removed. I received a letter from TransUnion in response saying that they needed more time to consider my request to remove the negative report by XXXX, but that in the mean time, the address I used for myself was n't consistent with their records. So I tried to log into the TransUnion site, as I had with the other XXXX credit bureaus, and I had had a TransUnion account from before, so I thought it would be easier to fix from there. I had trouble logging into the site, even though I had had an account with them from years prior, and so I wrote a response letter to TransUnion. In the letter I provided additional items to prove that I was who I said I was, and to prove my address, where I have lived for 20 years, was my correct address. 
I included my driver 's license, my my ID card from work, and my voter registration card, which had my address. 
I received a letter response from Tran Union saying that it could not change my address at this time. 
The difference between the address that they had on file and my actual address is that Trans Union says I live at the same street number, city, state, and zip code, but they also add and apartment number/letter. I have lived in this house for over 20 years now, and it has never had an apartment number associated with it. I work for the U.S. Postal Service, and I have never had anything addressed to me except by TransUnion that includes an apartment number. 
I want TransUnion to correct my address, and acknowledge that the additional apartment number is wrong. I want to be able to order a report directly from them, instead of going through my monitoring service and paying to get copies of my credit report. The strange thing is that the monitoring service through my bank has my correct address, and they are able to get a report, but I can not get one on my own or through annualcreditreport.com. I just want it fixed so that I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After previously disputing these erroneous accounts, TransUnion still deemed the accounts verified. These accounts has incorrect account status and account names. The name of these accounts are not " collection agencies. '' These accounts should have been removed from my report. Please see attached documents

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 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a student loan that is in forbearance with XXXX XXXX. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX with my student loans showing they are in forbearance. I like to address the issue of TransUnion dropping my credit score while my student loans are in forbearance. Without addressing to me why they dropped my credit score. On a student loan you can have decrease in the amount owed but my scores should have moved up not down. Also, a credit decrease happen on the limit amount but this is a student loan that does n't have a limit amount. Because I was not given a limit on the student loan it is what I borrowed. I would like to provide you the information that my loans are in forbearance.

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 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX and transunion XXXX keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}

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 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Address listed in XXXX. XXXX is not mine. I have never been to or lived outside XXXX. This was reported as Identity Theft to Law Enforcement in both my my city and in XXXX. My information was used for a XXXX XXXX XXXX XXXX and had a balance owed. I have never had services outside of XXXX. 
Need to have that address removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of Identity theft. i provided police reports and theft affidatives to Transunion and they will not block the accounts that do n't belong to me. The reps are very rude and they 're not compassionate to my situation. This is very embarrassing and I have done everything in my power to correct this issue. The accounts on my credit report that are fraud and not mine is XXXX XXXX XXXX XXXX and XXXX XXXX which that is a internet scam. Transunion refuses to remove these items from my account even when I supplied them with everything they requested. They have hung up on me screamed at me and I am very devastated. If we ca n't resolve this my next step is to sue.

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