vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-19 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:
Please view case # XXXX from the CFPB database and you will see I have attempted to get this debt " validated '' and not " verified ''. However, NO supporting documents have been provided. Also, I have attached supporting letters to mailed to the XXXX on XX/XX/2016. Please provide supporting documents for this debt or delete off my credit profile. 
Accounts : XXXX XXXX XXXX XXXX XXXX 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 2016-10-16 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:
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries will 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 2016-02-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion reported false information resulting in my being denied a loan. I contacted TransUnion and received their investigation results with the fraudulent account still on my Report and in Collection. 
Also, I do not appreciate that I have to register online my personal information to retrieve their reporting on me as my identity was stolen and reported by them to begin with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX was the final creditor on an old account in the amount of {$3100.00}. account # XXXX XXXX. the account was settled with them on XXXX/XXXX/15 in the amount of {$1700.00}. I have tried to contact them to update my credit report but the phone numbers I have are either " having trouble '' on the line or out of service. I even tried contacting the CEO XXXX XXXX but have received no response from him either. I want this off my report as I am trying to rent a new apartment and this is effecting my options.

Company public response: Company 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 — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion customer service is useless - could not get a human on the call. 
Based on XXXX XXXX - the following Creditor was paid in full close to 1 year ago. 
TransUnion is still reflecting this on my credit report. My new employer will be doing a background check and I need this fixed ASAP! 
Dispute Account : XXXX {$34000.00} {$35000.00} ( XXXX % utilization ) TransUnion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
A leased car was returned to Ally Financial with all leased payments made. Ally inspected the car and stated that the " Key Fob '' did not work and have now billed me {$130.00} for a new fob. My concerns are : I returned the car to the dealer and the dealer made the remaining payments, car returned on XXXX/XXXX/XXXX, inspection of car made XXXX/XXXX/XXXX, all fobs worked on XXXX/XXXX/XXXX ( last time I saw the car ), I was never present at the XXXX/XXXX/XXXX inspection, do n't know if it needed a battery, or if it was the correct fob. Inspection report attached. 
Called Ally on XXXX/XXXX/XXXX and was told that I would be contacted in a few days, no contact was received, only the second letter which is attached. Ally assigned incident number XXXX to my call.

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 monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Over 90 days ago I wrote Transunion and demanded proof of the negative items that are on my credit report. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court.. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient 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 2015-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not received report from information been disputed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am extremely frustrated that I was not able to process a dispute with Transunion, which was received by them on XX/XX/2015 via certified mail return receipt requested. I simply received a heavily worded letter from them denying me an investigation, claiming that my verification provided was not sufficient. I am afraid that they are stalling me and deliberately ignoring my request for an investigation into an expunged civil claim. 
I had provived vey sufficient and actually excessive amount of verification and they claim that I am not who I am and therefore they will not process anything from until i forfeit more proof or documentation. 
First I would like to clarify that I have ALEADY provided them with1. Drivers License and State Identification2. My Social Security number and a copy of my SSCard3. A certified Letter costing me over {$7.00}! 
4. A signed letter from My address and residence. 

They are violating me and pushing me around by requested personal information and documentation that is overly suspspcious and not safe to send via mail. I have had cases of IDENTIFTY Theft and ban fraud committed against me and I am very weary of sending anything above and beyond expected. 
I think that my documentation was extremely sufficient and in actuality this company is avoiding me, hurting me, and accusing me of not being me. They are using such tactics a lot against consumers an that is not fair. Who else would I be? How dare they deny me after EVERYTHING I supplied on my behalf. They are being very sneaky and un productive and clearly they are choosing to ignore my issue. 

I sent this letter via certified mail and they received it on XX/XX/2015- Transunion has until XX/XX/2015 to delete this invalid Public Record Item from my credit Report or I will Purseu Litigation against them in the small claims court. I ahv XXXX consulted with an attorney at their mishandling of my dispute an their refusal to acknowledge perfectly sufficient and perfectly legible verification documents. 

I wonder what you have done with my information. Have you shredded it or kept it in archive? Because if you claim that i have not provided enough proof then I am certain you have mishandled my letter and my documents. If you can not produce these items in a court of law It will be very obvious to me who is lying here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP
State: CT

Complaint narrative:
I have a HELOC loan initially opened at XXXX XXXX Bank in XXXX. First Niagara Bank bought XXXX XXXX Bank in XXXX and took over the loan. Key Bank bought First Niagara in XXXX, and then assumed the loan from them. Since Key Bank began servicing the loan, there have been nothing but problems. The most serious of those problems is that Key Bank has been reporting the loan to the credit reporting agencies incorrectly since they assumed the note. I have contacted Key dozens of times over the span of 4 months to try to get them to fix it. Each time they tell me that they are reporting the loan correctly or give some other excuse. They are not reporting correctly. They are reporting the outstanding principal balance as the credit limit, instead of reporting the actual credit limit. This is causing the credit bureaus to report my debt to credit ratio as 100 %, which is negatively impacting my credit score. The actual debt to credit ratio is less than 70 %. They also do not have the correct dates listed for the loan. 
The " Executive '' customer service team looked into the problem and finally came to the conclusion that Key Bank " HAS '' to report the loan incorrectly and have the incorrect dates because the type of loan that I have did n't fit into the computer billing system of Key when they assumed it, so they modified the data to get it to bill correctly. According to them, the damage to my credit and the wrong reporting is an " unfortunate, unintended consequence '' of what they need to do to get the billing correct. They have stated that they do not have a way to correct this problem and have no intention of doing so. And after four months of it being incorrect and of me complaining, they told me not to contact Key Bank about this issue. I tried to escalate it beyond this level, but was told that there is no escalation, and I could not even deal with anyone else in that department. All decisions made by the " Executive Team '' are final and are made by only XXXX person who answers to no one and has no supervisor ( supposedly ). The choices I was given were live with the problems or find a different bank. 
I am sure there are numerous other customers who have the same type of loan that was initiated by XXXX XXXX bank that are in the same predicament.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, I asked my mortgage company ( RoundPoint Mortgage ) not to send a real estate tax check to the city of XXXX XXXX because I had already paid it. On XX/XX/XXXX, they acknowledged this and said my request was being processed and they would contact me if any additional information was needed. They never contacted me ( indicating they did n't need additional information. On XX/XX/XXXX, they sent a real estate tax check of {$4300.00} to the city of XXXX XXXX instead of following the acknowledged request not to do so. On XX/XX/XXXX, I filed a complaint through their online message system. On XX/XX/XXXX, they acknowledged receipt of the message and said they would forward it to the appropriate department. It has been 30 days since my complaint and my money is still missing ( not in my escrow account ). No other communication from RoundPoint has been made other than the email acknowledging my complaint on 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 explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Prior to declaring Bankruptcy-Chapter XXXX, which was filed XXXX/XXXX/2011 and discharged in XXXX of 2011, ( Docket # XXXX ) our account with XXXX XXXX was kept current every month, paid on time each month and never paid late.. 
Our recent credit report shows that Transunion has reported this account was past due for 75 days. 
We request that the past due column be changed to show a XXXX ... ..never paid late.

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

Complaint narrative:
Transunion took off a " good '' tradeline, when they were NOT suppose to. I previously disputed an account with XXXX XXXX ( a rent payment creditor ), because they had not reported the months correctly ; however, Transunion took it upon themselves to remove it entirely ; instead of verifying and correcting the dates. Transunion is now REFUSING to put XXXX XXXX ( creditor ) back onto my account. XXXX XXXX ( the creditors ) were told by Transunion, that the ONLY way to put it back onto my account ; is that I would have to send in a copy of my lease agreement, drivers license and a letter stating that I would like XXXX XXXX ( the creditor ) " inserted '' back onto my credit. I did " exactly '' what I was requested to do, yet Transunion sent XXXX XXXX ( creditor ) the following statement ... .... '' We are in receipt of your reinsertion request for consumer, XXXX regarding account ending in XXXX. Please be advised that said account was deleted from the consumer 's credit file on XXXX/XXXX/2016 in response to a consumer-initiated dispute, and is not eligible for reinsertion. " XXXXAfter XXXX XXXX ( creditor ) informed me of Transunion response , I called and spoke to XXXX representatives and one supervisor, who stated his name as XXXX XXXX ( at XXXX on XXXX/XXXX/2016 ), he was really forceful in not listening or even trying to resolve the issue. I do not know what else to do in order to get this resolved, if the SUPERVISOR himself will not help me. The creditor have attempted several times to get my information back onto my credit report, but Transunion is being resistant.This is their ERROR for taking my creditor off my credit report, INSTEAD of simply verifying the correct dates. Transunion keep trying to tell me that XXXX XXXX ( the creditor ) are the ones who told them to take it off, which makes no sense, being that " they '' were the ones who first reported it on my credit for me ( this is a perk they offer to use their company ) .Also, I have extensive emails, showing where the creditor is trying their best to remedy the situation.

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 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The last payment on this account was XX/XX/XXXX.XXXX claim the last payment XX/XX/XXXX I wrote XXXX a letter asking for a payment identifier for the last payment the only thing i got was who the account was sold to so i contacted XXXX XXXX at XXXX ext- XXXX and spoke with XXXX on XX/XX/XXXX at XXXX she advised me that XXXX XXXX do n't have the account. How can XXXX report to the credit bureaus the last payment but they cant send me the last payment identifier..

Company public response: Company 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: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is a new employment added to my credit report that I have never worked for and I had like XXXX cards open in my name sent to me that I did not apply for using that new employment. I have paid off most of those credit cards. But I want new employment taking off my credit and all the inquires from this year. Someone has used my information before that 's why when I file for taxes I have input a code. But all of these new inquires and credit cards have really lowered my credit score. I 'm currently unemployed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXTransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX # : XXXX XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Collection is being reported that was paid to the original creditor. I have had no contact with the collection agency prior to the debt being paid to the creditor. They refuse to remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
all credit agencies reporting incorrect data, never had any " Public Records/ TAX LIENS '' not mines, same infor on file 2 times ; violates FCRA with re-appearance of infor on file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
a tax lien was issued for property not located in XXXX county. The personal watercraft was purchased in XXXX, bout subsequently transported to XXXX. it was not stored or used in XXXX county, XXXX. tax lien was vacated immediately vbut the lien release continues to reside on my credit report. 

lien release was based upon incorrect information, e.g a Tax Notice on property outyside the county of XXXX. Lien on out of state property was void, Because no lien was perfected on personal pro recordation of ; Lien Release should not be reported to credit bureau and allowed to diminish credit score as if valid. 

LIEN WAS PAID UNDER PROTEST TO AVOID THIS OUTCOME.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation