vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In a previous CFPB case, # XXXX, I disputed incorrect reporting status from Transunion in regards to my XXXX XXXX XXXX XXXX XXXX XXXX. Transunion responded as follows : " We received your complaint about the XXXX Home Loans # XXXX and XXXX Home Loans # XXXX in your credit report, and apologize for any difficulty you may have experienced. XXXX items identified in your complaint have been updated to reflect as paid with zero balances. '' About 30-days later, that information was updated by XXXX XXXX XXXX! Transunion again reports a balance owed and the account in open status.

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 2016-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
My husband and I are trying to purchase a home through he VA program. I noticed a collection from a company called AD Astra on my credit report. To my knowledge, I am not familiar with the amount they are saying we owe and what it could be from and when. We watch are mail closely and do not recall receiving anything from this company stating what this is about. We did some research and decided to dispute the account and request validation. We disputed this in XXXX and re-disputed in XXXX. We have yet to receive any correspondence back from them. This is really frustrating and concerning and next year we plan to purchase a home and need to make sure the credit is in top form. I decided to file a complaint as a last resort since sending them a formal validation letter in affidavit format obviously is not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Last year ( 2015 ) phone calls were constantly terminated to my work phone from XXXX XXXX calling from the Law Offices of XXXX XXXX XXXX XXXX. I contacted the FTC, filed a report on the DO NOT CALL REGISTRY and shortly after the calls stopped. The caller, XXXX XXXX gives no other information and calls from blocked/unavailable phone numbers. Not sure why there is a reason to block the number the call originates from. It 's quite unprofessional and does not lend credence for me to respond to the call. In addition, these same annoying calls have started terminating to my personal cell phone as well. 
I am requesting these calls to stop as NO authorization was ever given by me for the calls to commence in the first place.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 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:
I received my TransUnion dispute results ( File no. XXXX ), and the credit bureau claims it 'verified ' a trade line identified as XXXX # XXXX '. There are a few problems that need to be rectified : 1 ) Method of Verification letter sent to TransUnion - received on XX/XX/2016. 
2 ) Dispute results issued did not address HOW the credit bureau 'investigated ' the items disputed. 
3 ) XXXX account disputed via CFPB Complaint No. XXXX and FACTA request received by XXXX XXXX ( XXXX ) on XX/XX/2016. 
XXXX ) XXXX XXXX ( XXXX ) HAS NOT responded to the FACTA request. Demand was made for the production of the contract for debt I, as consumer, allegedly signed. As XXXX XXXX FAILED TO PRODUCE a contract for debt per the time frame allowed, FCRA mandates deletion of this line item.

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 2016-10-10 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 previously disputed this account with Trans-Union. I have documents to porvce that information reported by XXXX should be removed immediately. 
I have enclosed a letter from XXXX stating this should be removed

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 2016-11-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Me and my wife leased vehicles back in XX/XX/XXXX both XX/XX/XXXX 's. The lease was up last year in XX/XX/XXXX, and we decided to purchase the vehicles. XXXX sent us paperwork that was wrong on several occasion. We thought things were fine until we got a letter from Ally stating we needed to pay a registration fee. The problem with that is the customer is never supposed to pay anything, except tag renewal and the monthly note. We received a late renewal from the XXXX in which we had to pay XXXX including late fees. We contacted Ally in XX/XX/XXXX of this year, and they gave us the run around concerning management. So we finally got Supervisor/Relocation/Title Transfer person named '' XXXX ''. She informed us she would check in to the matter and get back to us, we thought is as taken care of. I got sick and had major XXXX in XX/XX/XXXX in which I almost XXXX, and my wife got another letter from Ally taking about registration. My wife emailed XXXX in XX/XX/XXXX only to never hear anything from her, and we have not received anything from the XXXX in the mail about out vehicle registration. When I tried going online to renew bot vehicles they stated they were not found and application in process. Our tags expired in XX/XX/XXXX, and we have been dealing with me getting well from my XXXX. I do not have the money to pay big late fees in XXXX, we have the emails we will attach .We have never been late and always been on time with our payments.

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 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion is reporting a duplicate public record, a tax lien, which results in showing XXXX XXXX XXXX XXXX tax liens instead of XXXX. Having XXXX public record on your credit report is " Fair '' ; having XXXX public records is " Poor ''. There is only XXXX. I have disputed with TransUnion, the same item several times over the past year, but they still report XXXX public records on my TransUnion credit report. I contacted the state of Virginia to ensure they reported only XXXX tax lien judgment. They confirmed there is only XXXX. It was filed in XXXX XX/XX/XXXX ; it was paid and released in XXXX XX/XX/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 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:
Unable to get an apartment because I have a similar name as another person. When I tried to get another apartment, I was denied and the apartment complex were unable to give me any information pertaining to the eviction. My hands are tied and I am trying to move next year. XXXX XXXX is a married name for me and my birth date does n't match the records.

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 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello. I never make any changes about my address. I live in XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. They been confused about my daughter information because she move at XXXX XXXX XXXX and she make mistake at the pistal office to request my mail to her address because she didnt mark individual. I have to clarifing in banks and also calls the credit cards to send me the bills to my address. I m so sorry for the inconvenience. Thanks so much

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 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am trying to reestablish my credit after Chapter XXXX bankruptcy last year. I wanted to check for credit report, and XXXX XXXX XXXX states that my mortgage was discharged! It was NOT a part of the filing. I did not go into foreclosure, only credit cards. I 've been paying all along. I filed a dispute with Transunion. They " verified '' that the information shall remain unchanged. Then why should I continue paying them? Can I make payments to a third party intil this issue is resolved? I 've got receipts because I pay in person plus have cancelled checks. It 's interesting because during the process of my bankruptcy, I could n't pay in person and had to send checks to a different address. By XX/XX/XXXX, the bankruptcy annotation in their file was removed and I once again have been paying in person. I will never be able to reestablish credit with this glaring mistake in 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 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX listings on my credit report from Trans Union on derogatory list are paid and listed with XXXX balance and XXXX XXXX XXXX, ( XXXX XXXX XXXX, XXXX Ohio ) will not take this off my report. 

They were medical charges from XXXX Hospital in Ohio, and I contacted them and they contacted XXXX XXXX XXXX and said they wont take off my credit report. and that it will remain on my report for 7 years. 

Why should u pay them off?

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 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed that my name is listed wrong. My maiden name XXXX XXXX XXXX and married name XXXX XXXX XXXX are correct. ( I legally changed my name back to XXXX XXXX XXXX because I am going through a divorce. My name was never XXXX XXXX but it is listed on my report. I would like it removed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18 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:
I do not have any affiliation or a credit account/card with XXXX. However it 's showing on my credit that I have a closed acct with a balance more than {$1800.00}. I do n't own or have ever filled out paper work requesting or using any XXXX credit cards. It says the account was opened back in 2011 at that time I was not even a legal adult, I would like this to be taken off, it is affecting my credit score tremendously.

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 2015-08-28 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: CA

Complaint narrative:
I just received a response from Ad Astra and they claim that the account i have placed under fraud alert is mine. I have had no luck trying to dispute this item for many months now and I have explained to all parties involved, even the XXXX credit reporting bureaus that I have had fraudulent accounts opened under my name, starting with XXXX XXXX. Somehow this company is abusively calling me regarding this debt that has nothing to do with me, and I even told them that all of the machine messages they left on my cell phone were against the law in my state of California. They refused to place this account in dispute when I challenged its validity and they claimed to have sent me paperwork which is also nonexistent. I have never received anything from them. I have suffered so much at the hands of this company. They choose to pretend I do not exist until I bring my case here to your portal. They have absolutely no right to report to my credit files and try to make me pay for something that is not mine and this company whom they work for is apparently accepting applications from fishy people. What is more hurtful is that they did n't even wait XXXX day to attack my concerns and my complaint. they just responded like I do not matter and as if my case has not been in dispute since XX/XX/XXXX. They are the ones who are the problem. How am I supposed to defend myself? They send me a ridiculous link on fraud protection when I have told them many times that there ALEADY is a fraud alert on my credit reports, so how are they allowed to keep this up? How was their client allowed to pull my credit? i do not understand this. I have a XXXX different things I will say until this company is investigated for violations against consumer rights. I will not stop fighting this company an their client, no way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Had a XXXX - XXXX XXXX XXXX home mortgage account that was refinanced on XX/XX/XXXX. 

As a build up to this 'refinance ' once in XX/XX/XXXX XXXX got ready to lock my rate and refinance and advised me that month 's payment would come from the closing proceeds. However when the rate lock did not happen I ended up paying XX/XX/XXXX mortgage out of personal proceeds. 

On a XXXX occasion a year later XXXX locked the rate in XX/XX/XXXX and completed the closing on XX/XX/XXXX. As per the process XXXX paid the XX/XX/XXXX mortgage out of the closing proceeds. 

However, ended up reporting both late payment as a my fault ( when I was clearly advised that loan closing month 's mmortgage would come out closing proceeds ) to the credit reporting agencies, which is impacting my credit score negatively. 

I have tried several time to talk to XXXX to correct this reporting and had faxed/sent a dispute letter on XX/XX/XXXX as well. 

However, until now there is no resolution to this issue and my credit report is impacted negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNINION HAS OUTDATED IDENTIFYING INFORMATION ON MY CREDIT REPORT WHICH NEEDS TO BE REMOVED.

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 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear Sir or Madam, I have been working and paying my bills on time since I moved out on my own at age XXXX for a living. In my XXXX year credit history I have bought and paid off homes, cars, motorcycles, and boats. I have had a & gt ; {$10000.00} dollar credit line with VISA since 1999. I currently have {$380000.00} in credit balances- real estate, revolving, installment, and charge accounts in total. Of the {$380000.00} I owe, {$200000.00} is in government backed student loans. 

I gross & gt ; {$XXXX} a year from employed income as XXXX. In my entire credit history I was LATE on ONE car payment over TEN YEARS AGO while I was in XXXX school studying for my XXXX exam. Other than that I have never missed so much as a XXXX payment. 

How can I possibly have a XXXX credit score that ranks me at 52 % of American consumers?!

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 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This company said they would remove the false account from my credit report,,, they did not do 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 non-monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
i am unable to access any credit information from the credit bureau 's and told that my credit number doesnt match my name. i was scammed recently and my S.S.N. was involved in this process. i feel that my credit information is being used by someone other than me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Premier Portfolio Group
State: CA

Complaint narrative:
XXXX calls my telephone number about once a month and has for three years to ask or leave a message for a debt that I do not owe. In fact, they company asks for a person who is not me. 

They have indicated that they will remove my name from the database, but they have not.

Company response to consumer: Closed
Consumer complaint received 2015-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent an id theft affidavit to Trans Union to block XXXX items that were opened in my name by someone else. They sent back a notice that they would not block the item without a police report. This is a violation of my rights under the Fair Credit Reporting Act. When this act was amended in 2004, the credit bureau representatives who came to train on the differences clearly indicated that a police report was NOT mandatory. Indeed, they provide copies of an ID Theft Affidavit ( attached ) that could be used to identify the item. 
Section XXXX clearly indicates that a copy of an identity theft report would be required but not that it must be a police report:XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
But like the credit bureaus have done with sending letters extending a mandatory 30 day time frame for investigating disputes ... changing the 7 year time frame for reporting Chapter XXXX bankruptcies after 40 years ... .and not allowing consumers to have their disputes removed ( who else but consumers would know they are no longer disputing ), the bureaus have simply changed the rules without changing the laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have placed a fraud alert and freeze on all XXXX creditors. I will like to know if my personal information and credit inquiries are used by a third party to commit fraud. I have all these credit inquires and was not inform about any credits or gave my consent to any company to use my personal information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There is an item I have disputed several times reflecting XXXX Mortgage which the first date of delinquency has been past 7 years, the late payments reports every month balance, past due balance on this stated collection. There is nothing accurate about this account. I am requesting some assistance from your company

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

Complaint narrative:
My credit score as of XXXX 2016 was XXXX. Today I find out it is XXXX. I am in the process of purchasing a home and this is causing a serious problem ( the low score disqualifies me from securing a construction loan ). I see that XXXX XXXX XXXX XXXX keeps submitting the car charge off ( I co-signed for XXXX of my children ). I need this adverse charge to REMAIN OFF my record. They have the car, WHAT ELSE do they want?

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