vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello - I have requested TransUnion to remove account number : XXXX off my credit report for over 60 days. I have a letter from XXXX XXXX XXXX request the removal and TransUnion has not honored the request. This is stopping me from buying a house and I request this account be removed ASAP! I have attached the letter from XXXX XXXX XXXX for support.

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 2015-10-07 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:
My name is XXXX XXXX XXXX, my son 's name is XXXX XXXX XXXX XXXX Transunion has repeatedly filed information belonging to my son on my credit report. Collection agencies are also doing the same. Collection Agency : XXXX Address : XXXX, IL XXXX. ( XXXX ) XXXXXXXXplaced XXXX ( XXXX ) delinquencies and collection entries for my son on my credit file since XXXX 2015. This is a problem that keeps occurring and Transunion as well as the collection agencies are not exercising due diligence in verifying that I am the correct entity they are seeking. Transunion also has me listed as " XXXX XXXX '' an alias I have never used. I 'm being harassed and because of my good credit, I 'm repeatedly targeted. Please help me to stop this, it 's a real hardship on me. 

Thankyou

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
reinstating the same ole stuff plus i can ; t get information about my credit because I answer all the question to identify me and they said it wasn ; t me and thats because they have set me up for some one else. and there not trying to hear me.i.m XXXX and need some one check this situation out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
One of the address is incorrect. I never lived in XXXX, NJ. That is wrong address. Please delete wrong information. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent Trans Union XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section XXXX ( a ) ( XXXX ) ( A ) and Section XXXX ( a ) ( XXXX ) ( A ). They have also failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.

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 2015-10-27 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: AL

Complaint narrative:
I have contacted the company for a hardcopy of my credit report both online and by phone and still have not received a copy

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion removed negative reporting items from the account with XXXX from XXXX 2010 to XXXX 2010, however when I reviewed my credit report recently the negative information was placed back onto 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 2016-10-06 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:
On XX/XX/XXXX, I checked my Transunion credit Report and all the inquiries were deleted. I logged in Today and the Inquiries are back and as a result my score has decreased.

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 2015-10-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
There is a hard inquiry on my credit report th at I did make

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed an account with XXXX on an auto loan that was reporting as 30 days past due for XXXX 2016 with XXXX and Transunion. They investigated the results and notified me that the account was correct and verified with the creditor. I followed up with both reporting agencies with evident showing screenshots of the payment days for the month prior and month reported past due from the creditors website and asked them to provide information that the creditor provided them. Neither creditor has responded and they still continue to report 30 days past due for the account.

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: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
According to the ECOA ( Equal Credit Opportunity Act ), I am a victim discrimination from ALLY. This company has been brought upon charges for illegal business practices and discrimination against minorities by " marking up '' or providing perspective clients higher than normal interest rates on vehicles. Although, my claim was submitted, I am still incurring high interest rates from ALLY. I also want to file a civil complaint against ALLY for this type of discrimination and I wish to file a complaint against XXXX XXXX XXXX, CA, who is the car dealership, that sought out the loan from ALLY.

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 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I submitted an FTC Affidavit with report number, an FTC Complaint number to TransUnion and the Reporting Agency has failed to properly investigate fraudulent accounts on my credit file. I have submitted the same information to substantiate my claim of ID Theft numerous times to no avail. The following account ( s ) are not my mine and were opened without my consent, knowledge, authorization and were opened under fraudulently ; XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 


Per my rights as a victim of ID Theft I demand that these accounts be properly investigated and removed from my credit profile. The FCRA ensures that TransUnion reports 100 % accurate information. I also would like to see any consumer contracts and/or information contained in my credit file submitted as verification by the above referenced debt collectors and/or creditors per section 609 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Pacific Union Financial, LLC
State: IL

Complaint narrative:
We had an approval letter for this file but the buyer walked away. I sent a new contract on XX/XX/XXXX but I am getting no response. We would like to transfer this so we can get this closed asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX Pa, XXXX XXXX Account # XXXX no contract and no signature

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 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There is a delinquency on my credit report which is not mine and this needs to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 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:
This debt was settled with the exact same debt collection agency yet they reinserted the debt back onto my credit report after it had been taken off. This is becoming insane.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Since 2009, I have been requesting that Transunion add my XXXX XXXX account to my credit history as it is main credit card. When I make a dispute regarding this missing entry they tell me to call XXXX XXXX and tell them to report it. I have repeatedly done so and XXXX XXXX has been reporting it over the past 8 years every 90 days. I have cooridating several calls between Transunion and XXXX XXXX and they agree to report it on the phone and tell me to wait 90 days for it to appear, which it never does. As a result of them repeatedly denying this credit entry my score is XXXX point lower than the other XXXX credit bureaus and I repeatedly get denied for credit. Most recently I was apply for XXXX XXXX to help pay for medical procedures/bills and was denied because they only check Transunion. I can not get Transunion to cooperate. 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 2015-05-28 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: NV

Complaint narrative:
On XXXX XXXX, 2015, I requested by phone, my free annual credit report from all XXXX credit report agencies. It was indicated that it would take fifteen ( XXXX ) days to receive my reports. As of today, I have not received any reports or corresondence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Upon reviewing a XXXX XXXX credit report pulled for the purposes of refinancing my home, I discovered several " new '' entries of supposed trade line disputes. I have successfully had all but XXXX of them removed. ALLY continues to refuse to work with me or prove to me that I initiated a dispute with their company. I have no reason to dispute this account as it is paid on time and has never been late. I did receive a letter of good standing on XXXX/XXXX/XXXX, but it did not specifically state that " the account was not in dispute ''. I have asked repeatedly for these simple words to be added to the letter, so that I can present it to the loan underwriters and continue with the loan process. This action by ALLY violates FCRA in that the company is blatantly reporting false information that is causing me harm. As of XXXX/XXXX/XXXX, XXXX of the XXXX CRAs are still reporting this, I initiated an investigation with XXXX and they quickly removed the erroneous dispute remarks. Both XXXX and XXXX indicate that the Creditor, ALLY is the source of the erroneous information. If it can be cleared up with XXXX, why is it still showing up on XXXX and XXXX?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent three ( 3 ) similar letters to all three credit bureaus, XXXX, XXXX and Transunion. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. On my letters it list the accounts. However, I the only thing I have received back was a letter stating verified which is unacceptable. Despite three written request, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''

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 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I went to a car dealership and authorized a soft inquiry on my credit. I know it was supposed to be a soft inquiry because the salesman said that is all it would be. Two days later I find out there are XXXX hard inquiries that I never authorized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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:
I contacted Trans Union to make them aware that this public record XXXX has been filed in error and has now been dismissed and vacated by the Courts I sent Trans Union the court documentation showing that it is no longer active and was filed erroneously but Trans Union has yet to block this information 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 explanation
Consumer complaint received 2016-10-19 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:
On XX/XX/XXXX I checked my credit report due to receiving notification that information had changed and noticed my inquiries had been removed and my credit score went up. Then on XX/XX/XXXX I received a notification that the information had changed again and checked and the previously removed inquiries were re-added and my score dropped.

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 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letters to TRANSUNION disputing the credit reporting on the following items on XX/XX/XXXX which they received on XXXX ( XXXX XXXX : XXXX, XXXX, XXXX ) : XXXX - XXXX XXXX XXXX PAYMENT STATUSES IN XX/XX/XXXX AND XX/XX/XXXX on all XXXX accounts with XXXX. 
CREDIT XXXX - XXXX 30 DAY LATE PAYMENT STATUSES IN XX/XX/XXXX AND XX/XX/XXXX XXXX - THAT I OWE {$840.00} AND THE ACCOUNT WAS CHARGED OFF. 
XXXX - I HAD A 30 DAY LATE PAYMENT ON XX/XX/XXXX XXXX - THAT I AM 150 DAYS PAST DUE AND OWE {$7000.00}. 
In the letters I asked them to " Please validate this information with the creditors and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that the 30 day late payment be immediately deleted from the credit file you maintain under my Social Security number. '' They did not respond back with in the 30 days with any viable proof bearing my signature. I sent them letters again on XX/XX/XXXX ( This time all in XXXX envelope, tracking number XXXX XXXX XXXX XXXX XXXX ) and still have not received anything back from them. It has been more than XXXX days since my original letters sent. 

When I call them they tell me they ca n't do anything. I have dealt with the creditors and they tell me to talk to the credit bureaus, and when I call the credit bureaus and they tell me to call the creditors. It is a never ending circle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I was a victim of Identity theft and this payday loan was part of that. It was removed from my credit report and now it is showing back on there. I have not even received any information regarding this. The only reason it is showing is because I monitor my credit. This needs to be removed from report.I have a affidavit from the FTC that supports my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, GA XXXX This address showed up on my credit report ... .it was a reported attempt at fraud that I caught in time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22 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:
Trans Union had a computer breach in their system that violated the rights of their consumers under section FCRA 611 5 ( b ). I have been gravely affected and my credit score is suffering as a results. The computer glitch that caused all of the inquiries on my credit report to be deleted and my credit score increased. The very next week all of the inquiries were re-inserted to my credit report without prior written authorization and are in direct violation of section 611 of the fair credit reporting act. I have spoken with a rep at Trans Union who acknowledged that the security breach happened but they refuse to fix the error on my credit report. I am requesting that the following reinserted inquires be removed immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAP XXXX Inquiry XX/XX/XXXX XXXX CARD Inquiry 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 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TRANSUNION is reporting XXXX on my credit report this 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