vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing a complaint against Transunion because they failed to provide me with the documentation they have on file to verify the inaccurate accounts I have disputed. Being that the 30 day period for them to verify and validate the accounts have expired it should be deleted by default. Under the FCRA Section 611 ( 5 ) ( A ) - anything that ca n't be verified should promptly be deleted.

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 2015-05-15 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: WI

Complaint narrative:
It appears I do not exist in the TransUnion credit reporting system, I do not have a TransUnion score, I do not have a TransUnion report, and I can not access any information from TransUnion via annualcreditreport.com, nor can I access any information from TransUnion itself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-05 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:
There is a medical collection debt on my credit from a XXXX XXXX that does not belong to me. I have disputed with all XXXX credit bureaus and still no resolution. Debt needs to be deleted from my report as it does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 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 have been a victim of identity theft for over five years. I have filed multiple complaints and disputes with XXXX, XXXX, TransUnion and the Federal Trade Commission. On numerous occasions, XXXX, XXXX and TransUnion has blocked and/or froze my file, which hindered me from getting a copy of credit bureau reports and the deletion of erroneous information. My consumer credit rights, have been continually violated and disputes have been ignored. I have sent in countless copies of my drivers license and social security card, yet the erouneous information remains. 

I currently have the following listed on my reports : ( XXXX ) Collection accounts that were not opened by me ( XXXX ) Credit inquires that I did not authorize. 
( XXXX ) Addresses in multiple states that do not belong to me. 
( XXXX ) Social Security card numbers ( XXXX ) Date of births including years ( XXXX ) Employers, XXXX of which I have never worked for. 

I am requesting that my credit bureau reports be accurately adjusted to reflect the truth!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I HAVE SUBMITTED SEVERAL DISPUTES TO TRANSUNION REGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE TRANSUNION FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE 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 explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I wrote a dispute letter to TransUnion on XXXX XXXX, XXXX notifying them that they were reporting inaccurate credit information on my report. This letter went unanswered. Therefore, I wrote another letter on XXXX XXXX, XXXX to notify the credit bureau that my previous request for investigation had gone unanswered. As a courtesy I included a copy of my first letter as proof. I requested the item be removed as a proper investigation had not been conducted nor a timely response within 30 days as outlined in the FCRA sent to me. The FCRA states that if a credit bureau fails to conduct a reasonable investigation or respond to a request for investigation of a negative item, then they must remove the item from the consumer 's file. It is now XXXX of XXXX and no resolution of this issue has been made by TransUnion. The credit bureau, TransUnion, is in violation of the FCRA and should give this matter the immediate attention it deserves. This item should be removed from my credit file immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have no knowledge of said debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have an account from XXXX state which is corrected by the university and it has been fixed on my XXXX and XXXX but transunion is still showing that account. This is account was established because I did n't submit proper paperwork to the university but with the help of the treasury department president everything was corrected. They have already sent the update out deleting the negative information and balance. Transunion has failed to comply with the FCRA standards and displaying correct information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 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: TX

Complaint narrative:
Ad Astra Recovery Services in XXXX Kansas.. I Called two times to settle the debt, continuously ask for a credit card payment right than without sending a confirmation letter of the amount the debt was settling for. I believe I do have a right to receive a letter confirming the amount and that the debt would be considered paid on my credit report. The last letter I received from them was XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Farrell Holdings, LLC
State: AZ

Complaint narrative:
I purchased a car from XXXX XX/XX/2016. They had me finance through prime acceptance. The title to the car was never supplied. In a year and three months through 2 bonded title processes and making a complaint with the MVD, i drove around on a dealers plate, 2 90 day tags, and 3 30 day tags the company went out of business. The finance company repossessed my car three days ago stating the claims was because of 2 late payments. However, the title had never been furnished for me to get hard plates. And the car went to the auction the next day. I was told the only way I could get the car back was to make the full payment on the loan. Will from prime acceptance told me that they ship their cars out of state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Premier Portfolio Group
State: FL

Complaint narrative:
About 3 times a week for the past several weeks I have been receiving calls from different numbers that all claim to be Premier Portfolio Group. I never answer the call and the voice message is always the same pre-recorded message saying that I need to call them back regarding a bad check that was cashed in my name. It is an obvious scam as none of my financial records indicate any such transaction. I called XXXX the numbers and spoke to a female. I demanded that they remove from phone number from their list and not to call me ever again. Not 30 minutes later I received a call ( always from a different number with a different area code ) and the message left was the exact same one I 've been receiving this entire time from " Premier Portfolio Group. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX my ex wife used my social security number and ruined my credit without my knowledge of her doing so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My wife and I declared Chapter XXXX bankruptcy in XXXX, 2013. Our petition was accepted and we have been current on all of our plan-related obligations to date. However, XXXX creditor, XXXX Bank, has continued to report late payments almost every single month to all XXXX credit bureaus. 

Last month I submitted a direct dispute request to Transunion via XXXX XXXX, but about a week later the dispute was completed with no change being made to my credit report. 

What are my rights and how should I handle this?

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 2016-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
We share the same last name as the debtor, but we do not know them. Ally Financial has called 4 times in the past week " on behalf of family looking for '' the debtor. I have told them they have the wrong person and to stop contacting us immediately, but the calls persist.

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 2015-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union does not want to respond to my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The below company was not authorized to run a XXXX credit check. XXXX & XXXX, PA XXXX ( XXXX ) XXXXMy report also has a " XXXX '' behind My name and I have already asked that be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
In XXXX, I defaulted on a credit card with XXXX XXXX. I was out of work and unable to make payments. The account was sold to XXXX XXXX and I was able to bring the account current. in XXXX and make payments, when I could. In XXXX XXXX, I was advised by a representative at XXXX that if I paid a settled amount, they would do a pay for deletion. They advised me that once payment was recieved, they would clear my credit bureau of the collections as well as contact the original creditor, XXXX XXXX, and have my credit history corrected. I made the payment and was advised that in 30 days, the update and deletion of my negative information would reflect on my credit bureau. As of today, it has not. I have made numerous calls to XXXX and everyone there states they will not be removing the negative information. They " apologized '' for the misinformation from the representative that advised me of this. I have also contacted XXXX XXXX and they have advised they were never advised of this practice that XXXX lied to me about. I have disputed with all XXXX bureaus and XXXX will not removed. I have also sent numerous letters to them and either I get no response or a letter stating that the information will not be updated. I feel as though XXXX lied to me in order for me to pay off a balance in full.

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 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a {$500.00} collection on my Transunion credit report which I tried to dispute online but they would not allow the dispute. I do n't know if it was a technical error or they just have it set up so you ca n't dispute which means less work for them. I have tried to get a free copy of my report but they say I cant because I read it online and now they want XXXX per month to do what they are required to by law for no charge. Total ripoff and I 'm XXXX. This is not my account and it is destroying my credit and it is only on Transunion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Transunion continues to report that XXXX of my loans from XXXX XXXX are filed in bankruptcy. All XXXX loans were paid, never late and in full. I have provided them with a letter from XXXX XXXX that states these accounts are being reported incorrectly. Transunion sent me a letter stating that the information would be updated correctly and sent a new report with updated information. Now, a few months later the report is saying included in bankruptcy again. I have disputed this multiple times. They will no longer accept a dispute online. I have to mail the same information to them over again. This has caused me multiple credit denials in the last few months. I want to know how to fight this once and for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Premier Portfolio Group
State: MI

Complaint narrative:
An agency going by the name premier portfolio group keeps calling me and several people I know from several numbers all over the country saying I have XXXX hours to respond, that I 've committed fraud and the likes. They never say who the original debt is from, and I am yet to be served with any papers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom it May Concern : I have recently been informed that there is negative information reported for bankruptcy the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing is invalid. 
I am unaware of the bankruptcy or " having a charge off '' ) with this company. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a copy of my transunion report that I received on XXXX/XXXX/XXXX that was generated on XXXX. Under Adverse Accounts, there are several student loans listed there that have negative and incorrect information that is reported on my Transunion credit report. I have disputed this information with Transunion previously to initiate an investigation to validate the information that is being reported. The student loans that are listed as adverse accounts are no longer serviced by the lender listed, and when I tried to contact the listed lender the number listed on the report is not valid. I 've mailed corresponse asking the lender to validate this information and received no response as of today with any validation about the listed information and why inaccurate negative information was still being reported. There is a double listing on my credit report with Transunion that contains the same inaccurate student loan information as well. I called the number listed on the credit report and I get a recording from a different company other than the name that is listed on the credit report. These accounts are currently listed as being in bankruptcy. In XXXX, I filed a chapter XXXX bankruptcy which was dismissed in XXXX. Prior to that, my student loans were never in default, they were always in a " in school deferment status ''. In XXXX, all of my student loans were consolidated and sent to XXXX who know services all of my student loans under a consolidation repayment plan. There are XXXX student loan accounts that are listed as Adverse Accounts and in chapter XXXX bankruptcy which is totally inaccurate. The whole point in the dispute is to have the negative information removed especially since the information is being reported inaccurately. My question is how did Transunion contact the lender to validate the information as accurate when they lender ( XXXX, XXXX, XXXX ) Have yet to respond to my letter request for validation of the information. Several of the accounts listed have the same account numbers and the same balance, which is also inaccurate. For Transunion to continue to list this information as negative and in bankruptcy status is totally inaccurate since I am not in bankruptcy, being that the Chapter XXXX bankruptcy petition that I filed in XXXX was dismissed in XXXX. Being that I disputed the information and Transunion clearly did not throughly investigate, I need help with getting this negative information removed especially since it 's totally inaccurate. By law, Transunion was supposed to delete the inaccurate negative information if it could not be validated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX added services that I had not requested, did not use and refused to credit to my bill. 
I called and was given conflicting information. Asked to speak with supervisor and was told he was busy, but would call me back. I am still waiting for call. Received three bills from 2014 XXXX XXXX the XX/XX/XXXX. All were different amounts and said service would be cut off XXXX XXXX. Service was cut off last Saturday of XXXX. I have never received a phoned call or paper bill from XXXX. A collection for {$170.00} is now appearing on my credit report and I firmly dispute this claim. My credit score has been damaged going from over XXXX to XXXX, I am trying to refinance my home and it is hurting my ability to refinance. I feel like I am being extorted by XXXX and 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 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
tax lien on my credit report that is not mine. 
so please remove from all XXXX credit reports. 
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