vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-19 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 is not responding to any of my numerous requests to investigate and remove accounts and inquiries from my credit report that were fraudulently opened.

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 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I claimed bankruptcy last year and bills are from the year before. They should have been discharged

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 2016-03-10 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:
A account from XXXX XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade line with Transunion and supplied them with a copy of my police report, the account was removed. However, they re- inserted the entry without informing me- when the account 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 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
there are XXXX accounts on my credit report XXXX- XX/XX/XXXX mortgage loan .. closed short sale- bank agreed not to report. 
XXXX reported XXXX XXXX XXXX balance O .. from 13 years ago.. creditor closed my account was never late. 
XXXX/card- bal o reported 11 years ago XX/XX/XXXX card was stolen .. closed still on report. never late. 
Transunion and XXXX reporting these accounts. they need 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 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I disputed XXXX filings on my credit report ; 1 ) XXXX for fraud due to wrong account number reported on report ; and 2 ) a claim that if false and paid in full. TransUnion and XXXX refused to remove the information after I provided proof that I did not have that account with the bank and the other claim I provided a negotiable instrument with contract on it stating that the claim was paid 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 2016-03-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Dear XXXX : :This is another complaint of false billings created after an auto rental last XXXX rental without my approval, by XXXX XXXX XXXX i 'm responding to several '' XXXX citizens '', who have commented to me after XXXX XXXX Pa.refused to deny this billing, and charge against my account, and have not sent me their detailed list of charges that go with every rental that all rental car compan'y detail with at least XXXX number more than, " {$25.00} that, '' the number {$2500.00} '' is not possible for an auto a rental since this number does not have any other single number after the " XXXX '', XXXX. {$25000.00} ''. every rental has more than XXXX or more additional fees in addition to the rental to add to the final rental '' they add : " there 's no ways that this rental that XXXX Bank allowed to be taken off your debit card/checking account '' that does not have XXXX single other number. especially since they assert the 45 day rental. now that i think about it.they are correct in thier logical conclusion that XXXX Bank did not realize, or notice as impossible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On my credit report there is an account that is listed as in " open collections ''. The account is held by XXXX, a collection agency, on behalf of XXXX XXXX University and the amount is {$1500.00}. This account has been paid in full since late XXXX 2014 or early XXXX 2014. I paid XXXX directly and they assured me that this account would be accurately reflected 30-90 days after I had paid this account, again this was late XXXX or early XXXX of 2014. I do not feel that this account being shown as in " open collection '' is in anyway appropriate. 

I have attached screen shots of the involved accounts from XXXX XXXX University, as reported from XXXX, that show the account is paid in full. I have also attached a PDF of my entire student loan history from XXXX as well. 

I would be happy to furnish any other information that is deemed needed for the investigation of this complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 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: PA

Complaint narrative:
This is not a specific complaint about any XXXX of the credit bureaus. It is a comment about the process of getting the free annual credit reports that federal law mandates. I tried to get my free annual credit report from XXXX on XXXX/XXXX/XXXX. I went through the process and ended up with zero reports. The issue is with the identify verification process that each credit bureau uses in order to verify who you are and issue your report. They use obscure pieces of information from your past credit history because supposedly " you would be the only XXXX to know that kind of information ''. Each bureau asks XXXX or XXXX questions. That is XXXX or more obscure questions that you have to get right in order to get your reports. Anyone in their XXXX like me with 30 years of financial history has probably gone through a number of car loans, at least a couple of mortgages and a whole bunch of credit cards and store cards. How am I supposed to answer questions like which credit card or store card I opened an account with in XXXX? I keep meticulous records and yet I can not answer that question. After completing the process I had the distinct impression that it was more difficult than it had to be on purpose. I can only speculate about the motives behind such a decision but the end result is that fewer people get the free reports that they are entitled to. Now, instead of being able to do the request online, I have to call each credit bureau and answer the same kind of obscure questions over the phone. If thousands of financial institutions can confirm your identity without asking you to remember the monthly amount of your mortgage from XXXX, then the credit bureaus can certainly do the same thing.

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 2016-04-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has not removed! XXXX via XXXX XXXX multiple hard inquires XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, see attached. This has harmed my credit and credit worthiness as well as my ability to move. I have XXXX sons that I am desperate to get out of this XXXX neighborhood. They say, " where was the mother '', well I 'm here and saying " why is XXXX hurting my ability to move '' and making unauthorized hard pulls?

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 2015-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the follow information in my file. 
XXXX XXXX - XXXX XXXX XXXX XXXX ON BOTH TransUnion & XXXX. for {$15000.00}. I 've contact this agency to advise to STOP CALLING ME this case was dismissed in court XXXX XXXX, 2014. Please see the attached document from XXXX County State Court. 
Thanking you in advanced regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2009

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05 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:
I 'm a victim of identity theft as a result of this there were some inquiries made without my knowledge or consent, i have sent out numerous letters to Transunion with supporting documents, they are ignoring me and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There is a collection from XXXX XXXX stating a creditor by XXXX sent me to collections. I do not know anything about this XXXX nor have i ever been to the state that is being listed. I believe my identity has been stolen and i want this collection removed and to not come back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need to file this complain due a negative court case still showing in my TransUnion Credit Report Case XXXX this case was file in court and collected from a collection agency XXXX, from a fradulent account, after the investigation was finalized, and was reported the unauthorized opening of the account XXXX acct # XXXX and found XXXX and XXXX has removed it, but TransUnion still showing in XXXX section this account as mine, I need to have those account removed immediatly / XXXX reports XXXX as collection/charge off {$3700.00} from XXXX XXXX, and same acct as reference XXXX circuit court {$1700.00}, it is same acct XXXX # XXXX case. the letters with the proof of investigation was given to both parties, but transunion is in violation of my credit report rights. XXXX XXXX # XXXX s.s.

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 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed the account as it was a product of identity theft only for it to be verified repeatedly. This was a lease for an apartment I never lived at.

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 2015-05-12 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: NV

Complaint narrative:
Trans Union is blocking my credit report, i have contacted them repeatedly and they refuse to fix that, all they do is transfer me to another representative. i have been calling for over more than a month, so I they 've had plenty of time to contact me. No matter how many times I call they do the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08 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:
Transuion has violated their policy by reinserting XXXX or XXXX twice in two week period.Am asking for this issue to be resolved by deletion of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 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:
AD ASTRA RECOVERY I SENT THEM A DEBT VALIDATION LETTER AND THEY NEVER RESPONDED WITH DOCUMENTATION OF ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2015-12-07 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: CA

Complaint narrative:
I keep getting phone calls from this company threatening all sorts of consequences, but I do NOT owe whatever they are calling about.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Pacific Union Financial, LLC
State: PA

Complaint narrative:
I filed an original complaint with CFPB on XX/XX/XXXX - reference case # XXXX. 
Pacific Union Financial Response dated XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX XXXX outlined a forebearance plan offer, which if accepted by me, would become effective XX/XX/XXXX and continue through XX/XX/XXXX. 
Numerous requests via phone and email to receive these documents and specifically the forebearance plan agreement have been unsuccessful. 
Obviously, I can not review or accept documents that I am not in receipt of. Just today I received loss mitigation paperwork again when requesting the forebearance plan agreement XXXX XXXX promised in his response dated XX/XX/XXXX. There are 6 days left in the month XXXX and the lender continues to ignore my requests for the correct documents so that we can move forward. See attached emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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 is not responding to any of my requests to investigate and remove accounts from my credit report that do 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 2016-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion will not remove this misleading information on my credit report. 
I sent them a identity theft report and they removed a bankruptcy and left XXXX tax leins on my report. But they say they could n't accept the report but the item was removed. They Transunion are just stalling, and causing me financial harm, and stress. My next move will be to sue Transunion for willful noncompliance and {$5000.00} for each item they refuse to correct on my 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 2016-06-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Pending Company Match
State: OH

Complaint narrative:
Our son was involved in an automobile accident. Which XXXX sent them a check for the car. It was also covered by GAP Insurance. Ally Auto has refused to work with us. This has been going on for 5 months now and the car is NOT paid off. Everything we call the department they say is handling the account we are told it is not there. On XXXX XXXX, 2016 the insurance company mailed a check out after they were told that they were issued the letter of guarantee. As of Friday, XXXX XXXX, XXXX XXXX does not have the Title and the loan is still not paid off. Ally repossessed the car sometime, not even sure when at this point. It was deemed a total loss. When I called Ally Auto in XXXX the Account was in the Total Loss Department. I advised them that they had the car. The account was n't even documented that they had the vehicle. We can not get any one to work with us or to even return our calls. They have not even attempted to contact us. As of Saturday, XXXX XXXX, 2016 we have received our XXXX letter stating Ally is going to sell the car at auction. They are aware that it is an insurance claim.

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 2016-04-19 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:
My identity was stolen on XXXX XXXX. I placed fraud alerts with my credit bureau, Transunion, as soon as I was notified on XXXX XXXX. Since XXXX XXXX, my credit has received XXXX additional " hard hits '' on my credit score to bring the total to XXXX. Attempts to resolve this directly with Transunion has been unsuccessful as they repeatedly tell me they ca n't remove these " hard hits '' without proof from the company who requested the credit pull. Each company I spoke to has told me Transunion is the only company who can remove " hard hits ''. I have been brushed off multiple times and passed on to different departments with no resolution. The security freeze option was never suggested even as I asked them what else I can do to stop these multiple credit pulls. Transunion has been completely useless. I feel like I am being victimized all over again.

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 2016-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
TransUnion can not prove this debt is valid with documentation from date of service. These debts have been bought and sold many times now and there is no evidence of origination except for names. Please remove this debt since it can not be validated, as XXXX has already begun to to do. I have no knowledge of this debt. If it can not be proven, I have a legal right to have it 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 non-monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Have a Tax lien on my credit report resulted from a back tax bill from wife 's deceased mother. Bill has been paid in full when we found out about itXX/XX/2011. 
tax lien from : XXXX COUNTY CLERKXXXX XXXX XXXX, NY XXXXamount of {$550.00}. Paid in full ( XXXX ) XXXX

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