vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX years old. I own XXXX homes without mortgages. I own XXXX cars without loans. I have substantial money in the bank. I have XXXX credit cards which never have a balance carried forward. The balance on the cards is paid in advance of the due date. I have XXXX years of credit history with no negative reports. TransUnion is taking my XXXX XXXX XXXX Bank credit card balance that is never carried over and is paid wel in advance of a due date to calculate my credit score. TransUnion will not explain why this is done and why it is only done on XXXX of the XXXX credit cards I use. I requested that TransUnion take my credit report and show me how they arrived at my XXXX credit score. My score goes down each month. I have had no credit inquires. My credit use is the same each month, with no balances. TransUnion has failed to provide this information. Credit scoring discriminates against senior citizens who have generations of good credit history but no longer have loans, mortgages or carry credit card balances. The credit reporting and scoring companies will not and can not explain how my personal credit score is determined and why it continues to go down. This score impacts negatively on the rates I pay for insurance. Credit scoring companies force citizens to have a credit score that impacts their financial transactions but they will not and can not take an individuals credit report and explain how the credit score is calculated or why it continues to fall when there have been no credit transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
I have completed all payments, but it still shows as an open collection on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 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: TX

Complaint narrative:
cant get my cr 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 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I apply for auto loan through XXXX XXXX company, I told the finance department that I want to apply only though XXXX bank, and I applied by my self oniline though XXXX XXXX XXXX. 
I found that they applied through XXXX bank, XXXX XXXX XXXX and XXXX XXXX without my permission, When I returned to them, they said it was mistake. 
How can I remove those hard inquiries that I did n't authorize.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a copy of my credit report after speaking to a representative in the Special Handling Department at Transunion and notice that there are addresses and phone numbers listed that are not mine. I originally sent a request XX/XX/2016 to have those address removed from my report. I have also sent proof of my current address and current phone 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 2016-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My name is XXXX XXXX XXXX. recently I checked credit wise online and found a loan for XXXX dollars from XXXX XXXX. I never got a loan or bought anything from this company or leased anything from this company. I am in the process of diputing this information

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 2016-07-05 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:
File # XXXX I reported that in XXXX 2016 XXXX of XXXX XXXX Florida did a hard pull on my transunion credit report WITHOUT express written or verbal consent from myself. 
I called XXXX and they ran my son 's that day but claim never ran mine. Yes they did, yes they lie, check my credit report. My credit was shared illegally and wrongfully with XXXX. 

Transunion did nothing but add my letter to my file. The hard pull is still there and I request it to be taken off. 
Thank you, 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 2015-07-14 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:
REFERENCE TO COMPLAIN CASE NUMBER XXXX I ATTACHED A COPY OF MY UTILITY BILL TO PROVE THAT THE DEBT IS NOT MINE. 
Case number : XXXXTransUnion said : Explanation of closureUnder the guidelines of the Fair Credit Reporting Act, we will not reinvestigate the item ( s ) unless you can provide new information such as court papers or a recent, authentic letter from the creditor ( s ) that explains what information should be updated. You may add a Consumer Statement of XXXX words or less to your credit report or contact the creditor directly. Contact information for each creditor is provided on your credit report for review. If you provide a Consumer Statement that contains medical information, then you are giving consent to TransUnion to include this information in every credit report we issue about you. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. 
Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. 




ResponseWe have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX # XXXX was notified of your disputes. In response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to you for review. Currently, XXXX # XXXX reflects as a collection, balance and past due {$1700.00} and estimated deletion of XXXX. 

In addition, onXX/XX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, you were notified in writing that the disputed information had been previously verified as being accurately reported by the data furnishers. 



What happened Product Credit reporting Issue Incorrect information on credit report : Information is not mine ( belongs to someone else, identity theft, fraud, etc. ) Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that TRANSUNION AND XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are several credit card accounts on my credit report that do not belong to me. Based off of my credit report, it says that I am an authorized user on XXXX credit cards that do not belong to me. 

XXXX/XXXX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have not had a loan through this company.I have not applied for a loan through this company

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Delbert Services
State: ID

Complaint narrative:
I received a call today stating that I have been sued and that they have sent garnishment papers to my employer for a western sky loan that they say was taken out in 2011. I filed bankruptcy in that year they said it was taken out after that. This company has not contacted me up until today. I have not received any kind of paper work what so ever. This account has been sold to XXXX XXXX XXXX and I have read complaints that they are trying to collect on debts that have been paid off or forgiven.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello. I am in the process of clearing up all inaccurate and wrong information on my credit reports. 44 Days ago I send a certified letter ( copies saved ) that requested Corrected information and PROOF of any errors they are not removing from my personal credit report. I have not received anything, no reports, no credit file or questions. I sent this with proper ID proof and a detailed letter and account numbers. They have in the past kept false reporting on my report that are not even 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 non-monetary relief
Consumer complaint received 2016-01-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please see Consumer Financial Protection Bureau complaint # XXXX XXXX Bank and the letter I received XXXX XXXX, XXXX dated XXXX XXXX, XXXX that list Transunion Consumer Relations XXXX. Transunion, XXXX XXXX XXXX XXXX, PA XXXX XXXX I am unable to reach Transunion list in the letter received from XXXX XXXX 's which is in retaliation to a XXXX Bank credit card. I paid XXXX 's off early before a promotional deal and paid for a 5 year extended warranty. When I ask XXXX 's for documentation for the extended warranty still effective - - I was told the receipt was proof of payment for the extended warranty and the XXXX 's XXXX care can be checked for verification. I only authorized XXXX 's to do a credit check when I obtained the card at the XXXX XXXX XXXX XXXX XXXX, Ca. Town center not in retaliation years later. Again, I can not reach anyone at Transunion which is listed as a sourced involved in the XXXX Relation/XXXX 's Matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Roundpoint erroneously increeased mortgage payment, then created a suspense account to make payments seem late and charged late fees. 
Tho Roundpoint has admitted in writing that it had no basis for increasing monthly payment and that its action was an error, it refused to correct the payment history despite numerous oral and written requests to do so. Instead it erroneously applied two payments in excess of the amount due to one month. Then they erroneously applied all subsequent payments, which actually were received prior to the due date, as if they were paid in arrears, created a " suspense account '' charged late fees, and continue to demand money in excess of what they are owed under the promissory note.

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 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Public Record Information ( This section includes public record items obtained from local, state and federal courts. ) We have verifiedthat this public record item is reporting correctly. If you have additional questions about this item please contact : XXXXI have disputed this information with transunion, as the case was dismissed with prejudice as well as was expunged from my record via court order. I went through and disputed it for the same reasons as it should not appear per the expungment order with the other credit bureaus and they removed it as per court order. However transunion is refusing to do so. I am seeking assistance from the CFPB to have the removed from my credit file with transunionbelow was there response to my dispute : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXXSatisfied Judgment Filed XXXX ; XXXX XXXX XXXX Court ; Case or ID # XXXX ; Defendant XXXX XXXX XXXX ; Amount {$8400.00} ; Plaintif XXXX XXXX ; Status Satisfied ; Satisfied XXXX ; Verified XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX : ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a credit monitoring account and it showed that my inquiries were removed on Transunion. I received an alert a week later and all of the inquiries were listed on my account again. Transunion did not notify me of this taking place which is illegal. I called them to remove the inquiries but they only removed 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 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX has refused to update my credit files to reflect my current credit scores. I 've been working with a credit repair company, and I have improved my credit scores, to XXXX, XXXX, and XXXX respectively with Transunion, XXXX, and XXXX. Through XXXX, I 've been trying to get XXXX XXXX, to re-score my credit records, based on all XXXX of the credit reporting bureaus for XXXX. My XXXX scores should be a weighted average of XXXX, not XXXX, as reported by XXXX. They are reporting a civil judgment for XXXX ( Placed by XXXX XXXX XXXX ), that was satisfied by a chapter XXXX bankruptcy discharged in XXXX of 2010.

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 2015-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account is passed 7 years XXXX XXXX 2008 salute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have some inaccurate information on my credit history. I haveaddress changes that do n't apply. And I have never changed myname.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK
State: VA

Complaint narrative:
We have a car loan with Gateway One Lending and Finance. Due to our financial situation, we pay late almost every month, not 30 days late but late. Gateway will call me. I explain that they payment has been scheduled with our bank bill pay system, the date it will leave our bank and how much the payment is. They will take the information, thank me and advise that they will follow up. The next day, they will start calling at XXXX. They will call me, my husband, my work, my parents and email me multiple times. If they speak to anyone other than me, they claim they have never spoken to me, have been trying to reach me for weeks or claim that I promised they would have received payment already when that is not the case. One month after we had switched bank I tried to make a payment on their site and entered the info wrong so it was returned. I spoke to them and explained it was my error, and that my bank bill pay would send the money in the next day. They told me someone was on the way to repossess my car and the only way to stop it was to make a payment with them on the phone immediately. They also said they could not accept bill pay from banks so any payment sent that way would take weeks to post ( It takes 3 days at most ). Almost everyone that we speak to is incredibly rude.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have already disputed on XXXX but I did not get a final response.Now I see the same problem on Transunion. Idid not close my account and opened a new one. Thanks Please fix this issue. 
Thanks, 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 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX I filed identity theft also filed complant with FDIC THE ACCOUNTS THE ACCOUNTS SHOULD BE DELETE.

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 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is falsely reporting to my credit, i was never notified about this account, they claimed they did not have a forwarding address, i came to know about a balance of {$130.00} when it was placed on my credit report, paid it off XXXX XXXX XXXX, but XXXX is still reporting to my credit that i am late as at XXXX XXXX XXXX. 

this Account should be deleted for false reporting and illegal collection tactics

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 2016-02-01 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I forwarded a check, in the sum of {$100000.00} to ALLY Bank BY XXXX # XXXX for the purpose of opening XXXX accounts, Check was received XXXX XXXX. Since then they have not been able to locate the funds or find out what is going on. 
XXXX supervisor advised that the money was received and that the accounts are being worked on - I asked that he e-mail info to me - but that was days ago and has not happened. 
I have been on the phone with over XXXX " supervisors '' at the bank, but all they want isthe answer to XXXX questions to identify me, DESPITE the fact that I was just transferred to them by the previous worker, who had asked me the same questions. Meanwhile, despite the promises of XXXX supervisors that they are working on the checks and will notify me " just as soon '' as the accounts are opened, I have heard nothing and I just might have fallen off the end of the world. 

I happen to owe ALLY Bank $ XXXX-XXXX on an auto loan but I have already advised them XXXX, UNTIL THEY HAVE FOUND AND DEPOSITIED MY {$100000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
items show paid 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 2016-10-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
In my credit report shows the following hard credit inquiries that have never authorized : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Card ( XXXX/XXXX/XXXX ) XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX ( XXXX/XXXX/XXXX ) Please delete all credit inquiries that I do n't authorized.

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