vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-11 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: MO

Complaint narrative:
Years ago I purchased credit monitoring service thru Trans Union, since ive stopped using that service I am not allowed to review my credit report online with annualcreditreport.com. This is a huge inconvenience and I fell that it is retaliatory for not continuing to pay for their service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Re : XXXX Account number : XXXX XXXX regards to this creditor reporting my account 30 days past due. This is very much inaccurate. 
I have spoken with these illegal representative 5x in regards to maing sure my payments are automatically drafted from my Credit Card. 
and 5x, I have received 5 different responses of yes, no problem, to it is there, to I 'm not sure we can do that, to the last time of, Your card was charged already. 
I can not be more clear when I say this, you CRAs BETTER make sure you get this late mark off of my credit report, or I will be escalating this complaint to the Attorney General against you and XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Ally financial auto loan confirmed they sent my loan information to an incorrect address. Therefore my first loan payment was late and Ally reported it to the credit bureau. I called twice to rectify this situation and was told a supervisor would call me back. Never received a call back. The general manager of XXXX XXXX called on my behalf XXXX XXXX and was told it was being taken care of and I should receive a call from Ally financial. Never received a call. Today when I called I was told it is in dispute and will take 30 days. My credit is suffering because of their mistake which they admit. This should be rectified immediately.

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 2016-02-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
XXXX is saying I returned the vehicle back in XXXX 2009 if I returned the vehicle back in XXXX 2009 that means I would be six months delinquent so my first delinquency would be in XXXX of 2009 and if I was six months behind on a car lease GMAC would have came and repossessed the car but they did n't or my payment history would show when my last payment to XXXX was made be it do n't because GMAC is not showing any Payments made of my credit report or any payment history on my credit so they are reporting inaccurate information to XXXX on my credit report and this should be deleted because it 's been seven years now since I returned the car back into GMAC or it would be seven years from my first delinquency

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 2016-09-03 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:
The dispute stated unable to locate credit report. I received a credit report dispute letter stating the items I disputed was not on my file however, they are listed on the credit report I received on XX/XX/2016 : XXXX 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 non-monetary relief
Consumer complaint received 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Open date of XXXX account is incorrect an I request a deletion of the entire listing

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 2016-06-20 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:
Someone has stolen my son years ago and had several accounts in my name. Here name is XXXX XXXX and she lives in XXXX, XXXX. I have NEVER lived outside of XXXX XXXX so all other addresses elsewhere like XXXX, XXXX are not mines. I tried to file a police report but they could never find her cause she kept changing addresses so PLEASE remove any address other than XXXX XXXX XXXX and any collections outside of that address because it IS NOT ME AND IT 'S NOT FAIR!!

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 2017-01-02 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I 've had XXXX credit card accounts in good standing, I kept with my 2 year agreement with XXXX XXXX to not have good credit. But as everyone knows Monthly phone bill service fees changes with every bill. I been with them for 4 years and could n't afford the drastic bills so I paid the last month and current bill and alerted them sooner then late to deactivate service due to me not being able to afford it anymore an I was switching to a prepaid service through a cheaper company, They messed up my report with a fee that I could n't believe after I was in the hospital for 3 weeks after XXXX. I was receiving bills from them and debt collectors that never should n't been. My closes sibling died XX/XX/2014. My hours got lowered due to my job not having many resident 's living in the facility. I 've contacted both companies XXXX and XXXX about what was going on and that I was doing my best to keep both active. I pay rent, daycare fees, utilities, phone bill, car note/ car insurance. Being a single mother of XXXX children I fell behind on a lot of payments not just theirs. I 've called them then and currently calling to not be put into collections and for them to keep my accounts open/ current so that my credit score would n't be very poor and the people that I speak with be so rude to me. I recently had an friend refer me to an non profit organization that is keeping in contact with me and has all the information on my accounts to help with paying them to current and they still wo n't work with me at the credit company. I just got approved for section 8 housing to benefit me and my children so we can live a little better without struggling paycheck to paycheck and I cant even move because my credit score is to low for some land lords and I have an bad note on my accounts that they have put on there even after I 've tried to make plans with them. Please if you can help that will be a blessing for me and my family due to our current lease ending XX/XX/XXXX and I wo n't be able to afford to renew lease because it will be higher than it is now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
this not my report # XXXX so please remove from all XXXX reports

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 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have an address showing on XXXX XXXX XXXX XXXX XXXX that is not Mine.

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 2016-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inaccurate information on my credit file. Account discharged in ChXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 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: AL

Complaint narrative:
I have a loan on my credit report that has been sold to AD ASTRA from a company called XXXX XXXX. I contacted AD ASTRA and asked for information on the account because I do n't have any knowledge of the account. The representative could not provide me with any information except for the date it was opened and from where it was from. I asked for the original contract and the representative told me they did n't have it because I wanted to find out who did this. I advised the agent that I had been incarcerated in XXXX prison since XXXX until XXXX and at the time among other accounts this was not mine. I have sent a letter to them but need to file a complaint in reference to someone opening this account and a bank account w/o my permission. This account is fraudulent. I 'm not sure who scammed me but I am not liable for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A combination of being the victim of the Transunion Inquiry issue and Identity being stolen. I have had multiple inquires that were not from me or initiated by me on my Transunion credit report. I have attempted to speak with supervisors about the issue and have written multiple letters in regards to this matter with no avail. The inquires that are to be removed are as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2016-07-21 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:
Please help me, I have disputed previously a couple things with Transunion, provided them my ID 's so they can process, legal name which should be the ONLY one listed is XXXX XXXX XXXX. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.

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 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion, has failed to update my credit report which is causing me not to be able to rent an apartment. I have a XXXX balance with XXXX aka. XXXX. The balance owed has been paid off for 2 years! Transunion has also been reporting that I was evicted, however I have never been evicted from any home. On-site. which is the screening service used by apartment rental companies are also showing this information which is in accurate.

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 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are unauthorized inquiries on my credit report for whom I have requested to be deleted or removed. However, they still remain on 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 2016-11-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Unknown account requested validation and nothing came. No debt exist with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account was paid and closed, but still remains on all three major reporting bureaus. Even after I requested for the removal of these items, they still remain and are damaging to my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have XXXX inquiries on my credit report that I did not authorize. I have contacted Transunion requesting removal of these unauthorized inquiries and was told there was nothing that could be done and they suggested I call the companies which I did and was told by the companies to dispute it with Transunion. I feel this is unfair because I do n't have credit accounts with these companies nor did I authorize the inquiries and Transunion wo n't remove them. This has caused my credit score to go down. Below are the unauthorized inquiries XXXX XXXX XXXX Bank - Dated XXXX XXXX, XXXX XXXX - Dated XXXX XXXX, 2016

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 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name from XXXX XXXX, I had periods since XXXX where my payments were in excess of XXXX days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XXXX of XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have disputed this account a couple times. XXXX falsely charged me back in XXXX resulting me to switch my service providers. The account was closed in XXXX. Years later, XXXX, reports to the credit bureaus. the information on my report says that they 'started reporting ' in XXXX ... not XXXX when the account was really closed. and it also states that it was closed in XXXX not true. I settled with them under the impression they would remove the file from my report. but now only are they refusing to, but they have since updated the info on my account as of XXXX. I am in the process of drafting a XXXX, if they will not cooperate and remove the closed and untrue file from my report. 

XXXX XXXX XXXX was the cell number. 
***********

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 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Transunion had 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 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 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX ( XXXX XXXX Credit Card ), and TranUnion have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and TranUnion re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account TransUnion XXXX ( XXXX Credit Card ) Item Status : Item latest removal was on XX/XX/XXXX. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration and with inaccurate information. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 
Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, 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 2016-06-26 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:
Someone stole my personal information and identity. I am a victim of identity theft. The following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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