vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I asked the Credit Bureau to please provide me with the written or verbal authorization that I gave to ANY entity to provide Public Record Information to them, if not they are breaking the FCRA law XXXX and those items need to be removed from my credit report. The Credit Bureau sent me a response stating that it had been verified by XXXX XXXX, which is strange because thier is a freeze on my XXXX XXXX report, so that 's a lie. They have yet to send me the validation I requested and it has been over 30 days and a statement of re-investigation has yet to be added to my credit report, which is another law they are breaking.

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 2016-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Paid in Full Collection with XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. This account has been disputed for incorrect reporting with XXXX to XXXX and TransUnion. It has been verified as correct. This account, XXXX, had a filed complaint with CFPB, it has been verified as correct. XXXX states that their information is correct and any errors are with the Credit Reporting Agencies, XXXX and TransUnion. 

XXXX is listed as a Factoring Company. It is listed as an Open Account. 
Per this case law, XXXX v. XXXX XXXX XXXX, Dist. Court, XXXX Arizona XX/XX/XXXX : [ XXXX ] XXXX argues that XXXX ' debt was not " in default '' at the time XXXX acquired it, and therefore XXXX is not a debt collector and not subject to liability under the FDCPA. 
[ 2 ] This exemption places the factoring of accounts receivable outside the scope of the FDCPA, thereby leaving a factor in the same position as the original creditor, had the creditor not sold his accounts receivable to the factor. By excusing factors from compliance with these regulations, the FDCPA respects a common method of business financing. 
The FDCPA defines " debt collector '' as " any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. '' 15 U.S.C. 1692a ( 6 ). Exempted from this definition, however, is " any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity... ( iii ) concerns a debt which was not in default at the time it was obtained by such person. '' Id. 1692a ( 6 ) ( F ) ( iii ). 

According to the XXXX, they have the option of reporting an Account Type of XXXX-Collection Agency/Attorney or XXXX-Debt Buyer ( which undoubtedly shows as Factoring Company in consumer reports ) XXXX incorrectly choose to report as type XXXX instead of XXXX based on the information in the reporting guidelines. If reporting as a type XXXX changes the value in a credit score more so than reporting a XXXX, that would be an incentive for them to mark it that way because that could significantly cause poisoning of 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 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I paid ALL of the open collection accounts on XXXX my credit reports during the summer of XXXX. In XX/XX/XXXX I received notice that collection account from XXXX had been added back to my reports ( for a second time ). The collection account appeared on my report several years back, but due to issues with the original creditor changing management companies, my collection account was removed. It is my understanding that a collection agency can not " re-age debt ''. I called XXXX agencies explaining that this was the second time that this account had disappeared and reappeared on my credit report. After rude conversation with multiple agents, I gave up. This past week the exact same thing happened. The collection account was removed and added back to my report due to a " glitch '' in their system. I was told that a glitch in the system was confirmed and that I needed to call back within a few days to discuss having the debt removed frm my report. I was also told they would not remove the debt until they figured out what caused the system to fail. I then spoke with someone else who would not confirm anything and was MORE than unwilling to assist me. Within days, this collection account and multiple inquires were removed and added back to my account. This has happened several times particularly with this one collection account. Transunion is aware of the first two thimes the account has been removed and added and in a report that was mailed to my home in XX/XX/XXXX from Transunion, one month before this account was re-inserted, this account does not appear on 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 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I DISPUTE THE DEBT REPORTED BY XXXX XXXX THIS CHARGE IS RELATED TO A MODEM THEY MAILED TO ME AROUND XXXX OR XXXX 2010. I RETURNED THE PACKAGE TO THEM WITHOUT OPENING THE BOX AND THEY RECEIVED IT. HOWEVER, THEY SAID I HAD TO PAY {$190.00} DEPOSIT BECAUSE IT WAS RETURNED MORE THAN 30 DAYS AFTER DELIVERED, I WAS IN TREATMENT XXXX WHEN BOX WAS DELIVERED, AND I RETURNED IT UNOPENED AS SOON AS I WAS ABLE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I am a victim of identity theft and noticed a collection from AD ASTRA RECOVERY. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
This account has been Paid in Full as of XXXX, 2015. Please remove this erroneous account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I am a victim of Identity Theft I sent XXXX an I D Theft report and they have not responded to me in in over 60 days this is beyond the FCRA allotted time frame. XXXX is also reporting the same account ( AD ASTRA RECOVERY ) twice under XXXX different account numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 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: CA

Complaint narrative:
I would like to get a settlement for this debt. .. Information on how to close this account and get it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I would like the reported information updated and removed from the 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 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Hard credit inquires were removed from my TransUnion credit report without notification by email, telephone or standard mail and placed back on my credit report without any notification ( example email, telephone or standard mail ). This caused an adverse affect to my credit score. Please notify me of the steps I need to take in order to get this matter taken care of. Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My mortgage was sold in a refinance deal in XXXX 2016 from XXXX, to XXXX ( briefly ), with final sell to XXXX XXXX ( and my credit report shows this ). However, the new financial institution to which I am making payments ( XXXX XXXX ) does not show holding this mortgage or my payments on my credit report as of XXXX/XXXX/2016. I have made XXXX payments and, after filing a complaint about not receiving transfer of service documents, received documents about 3 weeks after disputing. Those servicing documents said that XXXX XXXX, the servicer of my mortgage loan, reports credit to the credit bureaus. However, according to my credit report, they have n't ( at least for my mortgage ). See pages XXXX, XXXX, and XXXX of the attached documentation for highlighted/affected areas ; entire credit report attached in order to show there are no open mortgage accounts under any other name.

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 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been a victim if inquiry issue,

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 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion ONLY reported " serious delinquency '' : XXXX not paid for 120 days XXXX XXXX on XXXX credit card account which was paid on XXXX/XXXX/XXXX and CLOSED on XXXX/XXXX/XXXX. I requested correction ( filed complained on line XXXX XXXX XXXX, received letter on XXXX XXXX XXXX that investigation was completed and information on report was CONFIRMED ( NOT true because bank told me they can not verify information after 5 years! ) with XXXX bank - no change will be made. I was told to follow up with XXXX bank. 
I have been calling bank since XXXX XXXX, XXXX multiple times and told that Corporate Office will correct the information, i owed nothing etc., thus i never was notified by the bank about " delinquency ''. Today, XXXX XXXX, XXXX, XXXX bank told me that they can not verify record after 5 years. 
Please help to correct my credit report and my score which has been affected by this error and I am not able to refinance my home.

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 2016-11-16 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:
Someone is using my name, social security number. These hard inquiries is fraud and does not belong to be. I have no knowledge of these hard 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 explanation
Consumer complaint received 2016-03-01 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 currently have an account on my credit report from XXXX XXXX that I did not authorize to open with a current balance of {$950.00} that has been sent to collections, the reason this account was sent to collections is because I was informed a payment was never made on this account from the day that this account was opened because I never authorized the account. I currently have been having XXXX service for over two years now and did not authorize this XXXX XXXX account to be open. I did contact XXXX XXXX to inform them that I did not open this account nor did I ever contact them to have this account opened. XXXX XXXX did inform me there was nothing they could do for me. I need this removed off my credit report due to I did not authorize for this account to be open under my 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 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a letter to Transunion disputing the validity of items on my credit report these items were inaccurate and reported in error on my credit file. I contacted the source where the information was coming from and they could n't give any lawful explanation to why the items was reporting inaccurately in error on my credit report. I then contacted Transunion and asked them to remove the item because its an inaccurate error but Transunion refused to delete it and said they had verified it. I asked Transunion the details of who they verified it with and their method of the verification. Transunion ignored my request and continued to report the inaccurate items on my credit report. I reached out to an attorney friend of mine and the FTC and they both informed me that Transunion had to give proper lawful validation to the items they were reporting and have to make sure they are accurate without errors. I learned that according to the FDCPA and FCRA Transunion has violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. 
Below are the accounts reporting inaccurately in error. Report Number:XXXX XXXX XXXX XXXX acct 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 2016-04-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally financial is reporting that I owe {$6600.00} to XXXX and it is reflecting my credit score and the last time it has been update was in XXXX. 

And it is still reporting as a REDEEMED REPOSESSION but i have the car in my possession

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 2016-01-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Credit Card had a merchant dispute in XXXX for XXXX dollars ... 
Credit card is on an autopay bank payment mostly and is paid on time each and every month. 

XXXX received XXXX charge plus XXXX fee ... was upset with company because of fee charged for something that was in dispute ... never heard of fee charged .. paid charge and cancelled card the day the statement arrived ( before due date of autopay ). Due to extremely rude representative, i decided to cancel credit card and asked that it be noted at consumer 's request. One Day later reported to Agencies and my FICA score dropped over XXXX points .... is this even legal? It was not late, it was in dispute, i lost and paid rather than argue about XXXX dollars ... what really is frustrating is the next day they reported my payment was LATE. This is FRAUD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
The XXXX XXXX charge off or sold to a collection agency was disputed and a whole bunch of paperwork was sent as proof to present my case that this was a WRONG reporting on behalf of XXXX XXXX. All I got back from TransUnion was a letter telling me to look at my file and my file is EXACTLY the same way. So, I requested PROOF and I wanted to see what XXXX XXXX had to say about this and in three days TransUnion sends me an email saying that they took a decision and to look again at my report and my report is EXACTLY the same. I told them to remove this due that it is not true that I was late on my LAST payment. Nothing has been done by TransUnion.

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 2015-04-30 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Mark A. Kirkorsky, PC
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX filed a writ of garnishment in an Arizona court with my employer in Washington state. I live in Washington and never authorized or agreed to the garnishment. 

After I filed bankruptcy to liquidate my debt and stop the garnishment the court ruled that XXXX had wrongfully garnished almost $ XXXX from me. They were ordered to repay the amount garnished plus interest and legal fees. To this date XXXX has refused to pay despite a federal court ruling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 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:
Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted and my credit score increased. The very next week, all of the inquires were reinserted to my report without prior written notification in direct violation of Section 6.11 of the Fair Credit Reporting Act. I am requesting that the reinserted inquires be permanently removed 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 2017-02-15 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
I do n't recall signing any contract with a company with this name. I do n't recall this debt being verified. Do n't recall getting proof with a contract or signature. I requested that they provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent and did not receive the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was not able to update my dispute information and upload files this evening. Person I spoke to this evening around XXXX at TU barely spoke XXXX. I dont think the credit bureaus should put your dispute on lockdown after you submit 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 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been requesting verification of the following account that TransUnion continues to report on my credit file : XXXX Bankruptcy # XXXX. 

I demand that this public record XXXX Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! 

I have repeatedly requested tangible documentation whether electronically or hard copies and TransUnion has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified. I demand that this unverified account : XXXX Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE

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 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a bank loan XX/XX/XXXX in which I had a couple of late payments. this loan was paid in full XX/XX/XXXX. I contacted Transunion and asked them to remove from my credit report, but they refused, stating that it had to stay on my report for 10 years. this is wrong. from what I read on your website, this can only be reported for 7 years. THIS IS NOT A BANKRUPCY. it was last reported XXXX this is over 8 years old. thanks

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