vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
file # XXXX chapter XXXX ... According to FCRA ... Transunion failed to provide proof and how they verified the above file # .. They claim it was verified.. According to the FCRA they just violated my right under the FCRA rule ... You ca n't just send a report to a dispute saying you verified information. They failed to validate and send proof of where they got the information from. I already checked with the court house they claim the credit bureau do not verify with them at all ... They need to provide this information otherwise this file # XXXX has to be deleted immediately from my credit report!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I leased from Ally a Hummer from XX/XX/XXXX to XX/XX/XXXX. Towards the end of my lease [ I believe about 2 months before ] I took the vehicle to XXXX XXXX in XXXX, PA to attempt to purchase the vehicle. My contract allowed me to purchase the vehicle. XXXX said that the windshield was broken and it had excessive miles. They agreed that if I purchased the vehicle then the excessive miles was not a factor. So I left and I then had the windshield replaced. I then took the vehicle back to XXXX XXXX to purchase the vehicle per the terms of my lease. XXXX then refused to allow me to purchase the vehicle. I then left and telephoned Ally. Ally said they would extend the lease and allow me to contact XXXX to attempt to purchase. XXXX again refused to allow me to purchase the vehicle. The payoff on the vehicle was only {$16000.00} more or less which was far less than the value of the vehicle. I believe that they wanted my vehicle so that could then sell the vehicle for its true fair market value of {$24000.00}. They then charged me for a cracked windshield [ which I had fixed ], a non existent roof debt, an alleged tear in the interior headliner and excess mileage. XXXX XXXX and Ally failed to comply with the terms of the lease and refused to allow me to purchase the vehicle. I believe XXXX XXXX sold the vehicle for substantially more than I owed and did not allow me to mitigate my damages. I believe I do not owe them any money. They have not sued me, I wish they would so that I can prove that I do not owe them any money. What they have done is report this alleged debt on my credit report. I want them to remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
The credit card from XXXX XXXX XXXX is not mine. I do not think it is fraud because I called them and they can not find my name or personal information in the system. It is simply a mistake. They put someone else ' s information on my credit report. It 's been there for years. Fortunately whoever has this credit card is paying it timely, but it 's not mine! How can I get this removed from my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 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:
I have been trying for 2 yrs with this account XXXX. on my credit report I have never had a XXXX account in my life. 

Also Acceptance now is showing false original blance my total what I purchase was only XXXX so where did balance XXXX comes from I had insurance if I had gotten sick. that 's consider fraud with company.

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 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just want my credit score, and none of the websites are allowing me to do so. It asks me questions that do not relate to me at all, Asking about loans I do not have etc, it usually asks questions I know the answers too since I am who I say I am, I just need some real help getting it, this is to complicated

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX 2016 I lost my daughters social security card along with mine, i made a police report and since she is under XXXX i want to make sure no one has tried using her ssn.

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 2016-09-16 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:
Transunion, XXXX are reporting false information ; and when I questioned their investigation that immediately sided with the creditor I was told that the creditor is their customer, and under contract. Therefore, they must take the side of the creditor which is in violation of the fair credit reporting act,

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 2016-06-27 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:
The credit agencies all removed the majority of the fraudulent inquiries and accounts. I placed a freeze on my credit report, filed a report with the FTC, filed disputes and most things were removed with the exception of these last few inquiries, which are dropping my credit rating.

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 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have XXXX reports with my name incorrect and a home address that includes an " Apartment Number '' although it is a single family home. 
XXXX shows me owning a home and having a mortgage, and other information incorrect in my IDENTIFICATION VERIFICATION.

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: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The reporting agency ( XXXX XXXX XXXX XXXX ) has reported that I owe them {$110.00}. I have never enrolled at any XXXX XXXX College nor do I have any children enrolled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I walked in Chase and met mortgage manager. 
I signed mortgage application on XXXX XXXX and gave them most of documents the next day they requested and more additional documents on middle of XXXX. 
I mentioned closing date is XXXX XXXX and they said okay. 
I brought {$100000.00} from XXXX and they requested document regarding this money again so I sent it on XXXX XXXX and I told them if they needed clear XXXX, let me know right away. 
But they never contacted me until XXXX XXXX. 

I got an email from loan proccesor on XXXX XXXX that she needed clear document about korean money which I sent on XXXX XXXX. So I sent it on XXXX XXXX because it was Satuday in XXXX. And they kept asking me more documents and failed closing date without noticing me. 
There were plenty of time to request this. But they never contact me until XXXX XXXX and kept asking me more documents. I did n't know I should prepare lots of documents if I bring money out of state but if they contact me earlier, I could have prepared everything perfectly like I did. I sent every documents the same day or at least the day after they requested. In this process, I tried to call mortgage manager I contacted at the first time, but he did n't get my calls, sent me text " I am in the meeting. I will call you asap. '' and never called me back. 
Anyway, chase failed closing date and told me " Do n't schedule the closing date until we notice you ''. Seller asked me to pay seller 's cost and I accepted. It is {$45.00} per day until XXXX and {$90.00} per day after XXXX. 

Then, I got an email from my attorney that the lender contacted closing coordinator and they can close on XXXX. I was happy and all parties set up the time and are waiting closing date. 
And today I got an email from my attorney again that Chase want to close XXXX. 
I have got lots and lots and lots of stress because of the loan and I thought now it is all done but then again, they changed the date! 
It was the lender who set up the closing date, XXXX and now they have changed the date. 
Now I have to seller 's cost three days more because it is XXXX weekend. 
And I am not sure if the lender really want to close this case. 
I ca n't trust Chase anymore. I chose chase because I am chase private client and I have had chase account for 9 years. I ca n't do anything because I am in weak side and the lender has money I need. But this is too much. 

Every chase person has this quote in their email " If you are not 100 % satisfied with my service or your experience with Chase at any time, please let me or my manager know right away. Our contact information is below. Thank you for choosing Chase. '' What a silly joke!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 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 never verified information. I have alert for Identity theft and they continue reporting same wrong accounts, balance. Accounts never charge off, was paid and I sent long time ago proof to fix in my credit and continue reporting. accounts was deleted was inserted again. Accounts not belong on my name. They sharing with other companies like leasing companies XXXX, etc old information and accounts with more 7 yrs and include in bankruptcy or the other person name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The issue is that XXXX, XXXX, and Transunion have not removed information off of my report that does n't belong to me. I started this process with them in XXXX and it is XXXX. I have been more than patient. At this point I have obtained an attorney to start the process of filing a small claims case against all XXXX bureaus. There is information on my report that does not belong to me and I have stated that every month. At this point the Bureaus have stopped responding to me. This is their final chance to do right, by removing these items off of my report before they are contacted by my attorney. There are also several addresses on my reports that do not belong to me either. 
Attached to this complaint are word documents of each bureau with everything that should not be on there. Addresses included. It is my expectation that they remove the items after I have been disputing these items for 10 months. If not, they are facing a lawsuit.

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 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I wrote to Trans Union XXXX 2016 ; to remove XXXX ( XXXX ) adverse accounts from my report. I received an update today. Estimated removal for : 1. ) XXXX XXXX Account # : XXXX is : XXXX ; this account should be removed this month ; XXXX XXXX, 2016 ; the 7 years is now. I do n't understand how or why they can continue to keep this on my report. 

Also for 2. ) DSNB/Macys Account # : XXXX ; estimated removal is : XXXX ; this is not correct ; the 7 years is now ; XXXX XXXX, 2016. I do n't understand how or why they can continue to keep this on my report. 

Both XXXX and XXXX removed these account on the anniversary dates. Please help me remove.

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 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I have been asking XXXX and Transunion since XXXX 2015 to provide me the documentation they have on file for the items they are reporting on me. So far the credit bureaus have deleted some items and other items they say they verified are mine BUT sent me no proper documentation in fact they sent me nothing at all showing me how they proved the item was reporting correctly asnd was mine, nothing at all. I have sent all 3 credit bureaus over 5 letters asking them to show me and nothing. They are severly hurting my ability to get a house for my family. UIf they cant prove the items according and under the FCRA laws they need to remove the items. I am getting tired of the getting the run around and letters back from them with nothing. In fact TransUnion put a freeze on my account which I never asked them to do and when I contested it they sent me a form asking for several pieces of identification that I am NOT going to provide I want them items removed and the freeze removed. I also want to know how I can go after the credit reporting agency legally in court, can you help me please. It should n't take 6 months to get some action. 

Thanks-

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: IL

Complaint narrative:
I have requested information/ validation on this debt bearing my signature and have not recieved anything stating that I owe this company any money. They have repeatedly responded that they have investigated and verified the validity of my debtand dont even allow me to dispute their claim. I have never done business with Ad Astra, never signed a contract nor do i owe them any money

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reporting a XXXX score increase to XXXX on XXXX/XXXX/2016, TransUnion has used erroneous information to lower my credit score from XXXX to XXXX as per XXXX XXXX and XXXX XXXX. Claims that XXXX XXXX reported that I exceeded my account by {$1.00} or more dollars on XXXX/XXXX/2016 and subsequently XXXX XXXX under the same circumstances on XXXX/XXXX/2016 ( screen prints attached ). Both accounts have been closed and charged off for nearly 7 years.

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 2016-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a Chase Bank Business Account in XXXX XXXX, CA on XXXX XXXX, 2016. The Business name is XXXX XXXX, XXXX. We funded the account with ~ {$30000.00} and the check cleared. 5 days after the account was opened I received a letter ( attached ) stating the account was being closed IMMEDIATELY because of " suspicious activity '' " or because we have n't received information that we requested from you. '' No information had ever been requested of me. 

I contacted my branch who referred me to a XXXX number. I called and attempted to verify what the problem was, but I was told by an employee that they could not tell me why the account was closed. I quoted them the letter, and they told me that, these were not the reasons but they could not divulge further information to me. There has been no suspicion of fraudulent activity on the account. The employee refused to provide her name or employee number. Finally, when I told the employee that I wanted to retrieve my {$30000.00}, I was told that they money was on hold and that I could not retrieve it presently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is also related/reference to CFPB complaint # XXXX XXXX XXXX XXXX ( documents were already uploaded onto the above case ) I am writing to file an complaint against Trans Union and XXXX for : Failing to keep accurate tradeline on my credit report, Refusing to provide Method ( s ) of Verification and information requested by me. 
Refusing to remove inaccurate tradelines when XXXX, did not provide sufficient requested info to back up their claim. 
Allowing XXXX attempt to " re-age '' negative trade-line, a violation, even in situation when XXXX failed to back-up their claims first. 

XXXX XXXX, 2016 I submitted a dispute with TransUnion, a credit rating agency after reviewing my free credit report, complaint # XXXX ( see attached letter ) At issue is inaccurate negative trade lines submitted by XXXX. 

TransUnion and XXXX could not provided any solid documents to back up their claims. XXXX, was not the original creditor and they claimed they purchased this alleged account, but failed to provide any valid Bill of Sale/ assignment/ affidavit ( s ). 

TransUnion further let XXXX to make another/ recent entry to mark " OK '' Current status, next to section 30 days late/ 60 days/ 90 days late, as " an new information '' / reply to my dispute. I did not make any payment to XXXX ever. Any attempt to " re-aging '' is a violation of the rule. 

I would like to have the inaccurate negative tradelines submitted by XXXX to be removed from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
disputed previsiouly, removed. reinserted after a couple of months

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 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion refuses to reinvestigate an item that 's appearing on my credit report. I sent several documents in that stands behind my claim. I was told by a XXXX that works for TransUnion on Friday XXXX, 2016 that although I sent in proof of the inaccuracies there 's nothing they can do about it. Only the company can remove inaccurate items. Please find that I 've included the necessary documents that this item is reporting incorrectly and still remains on my credit bureau. 
" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, the credit bureau has an obligation to conduct a reasonable reinvestigation.79 Thebureaumustgenerally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 Moreover, it has five business days to forward the dispute to the relevant furnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, or can not be verified, thebureaumustdeletethedisputeddata.83 Furnishershaveindependentobligationsunderthe FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section XXXX to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''

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 2016-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
There is a paid collection from 2012 that i had an agreement with creditor to remove after final payment which never happened i faxed copies to all XXXX credit bureaus, they all deleted this collection from my file, transunion was the only agency to re add the collection back on my file after the investigation and deletion further dropping my credit score.

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