vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-14 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:
I have been alerted that my " ex-husband '' filed jointly or something that put a tax lien on my credit report. We have been divorced XXXX. I have not worked since XX/XX/XXXX due to being XXXX and recently have gone to my hearing for XXXX which looks like the outcome is going to be good but I 'm waiting on that letter still. After 3 yrs. this is a blessing to me, which explains the past three years of my credit rating going downhill drastically since I could n't pay any bills other then what my children could help me with. On that note it had to be the utmost needed necessities, like a roof over my head for XXXX example! 

He 's not married to me or anyone else that I know of! He only helped me with some bills since I have been XXXX and he told me he was going to file using me as a " dependent '' since he helped me for at least 6 months! I have had no income coming in other then my XXXX children paying the needed bills to survive here, which has put them in many binds. This is when he started helping out as well for about 6 months or so, BUT then his unemployment ran out and he went on food stamps & medical. He also stayed in this house frequently and uses this address still since he has no address yet of his own. He has n't changed it yet but he will now! After all the stress I have been through the past 3 yrs alone, now I see this on my credit rating I HAVE A TAX LIEN on my credit report that belongs to HIM! He should of never, NEVER put me on his taxes " JOINTLY ''. I need this removed ... this is not my debt! When I worked I filed my taxes every year! In the past, he went with out paying his taxes for about XXXX to XXXX yrs, I am not sure of the actual amount of years but I 'm positive it was a few years at least! This occurred approximately about that many years or so ago when he failed to file. Naturally they ( XXXX XXXX Federal & State caught up with him on this, but he has failed to keep up on the payments he had arraigned XXXX. Now I find out that he filed at some point " jointly '' with me and I have a Tax Lien on " my '' credit report!?!?! He does not live with me, he is not working again XXXX just lost another job ) due to his drug addiction, hence why he does n't come here anymore I will not have my stuff stolen either! I do n't know what to do here I am livid, Please I need some help here! 

Attached are XXXX screen shots of XXXX XXXX showing it is on my Transunion Report as well as my XXXX report so I have no doubt it 's on my XXXX too! Please please help me with this matter. I am also going to try to make some calls to the help tools provided on the XXXX page.

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 — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company supposedly has on file that was used to verify the accounts and inquiries that I have disputed. Being that they have now gone 30 days and STILL can not verify these under accounts or inquiries under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete ALL information which can not be verified that I have disputed. Please resolve this matter as soon as possible as I am prepared to take legal action if this is not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On or about XXXX XXXX, 2014, I had suffer an injury while in XXXX and was treated at XXXX Hospital XXXX XXXX. I provided my XXXX New Jersey XXXX insurance information to XXXX Hospital. 
On or about XXXX 2014, I received a bill in the amount of {$540.00} from XXXX Hospital and soon thereafter it was reported to TransUnion credit agency as an unpaid debt. ( See Attach TransUnion Credit Report ) On or about XXXX XXXX, 2014, my insure XXXX NJ XXXX contacted XXXX Hospital advise them my bill was in full and on time, and they are to cease and desist billing me. ( See Attach XXXX NJ Letter dated XXXX XXXX, 2014 ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I called the XXXX XXXX Bank and I told them someone open fraud account under my name. I also told them that I have fraud alert on my name company called me. The presonnal that I was speaking to told me that they do n't call. I think that was their fault and i think should be deleted completed. ( that is not me ) Also i have others inquiries under my nameXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 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:
BETWEEN THE DATES OF XX/XX/2017 AND XX/XX/2017 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. XXXX COLLECTION ACCOUNT AND XXXX INQUIRIES WAS DELETED THEN ADDED BACK ONTO MY CREDIT REPORT. TRANSUNION HAD FIVE DAYS TO NOTIFY ME ABOUT THIS REINSERTION. NO NOTICE WAS EVER GIVEN WHICH IS A VIOLATION AND I AM REQUESTING THAT THE COLLECTION ACCOUNT AND ALL INQUIRIES LISTED BELOW BE REMOVED. 
COLLECTIONS : 1. XXXX INQUIRIES : 1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX 7 ) 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 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
After a year of struggle to get my admin order cancelled i finally succeeded in it and send the necessary documents trough to trans union to update my records, according to the information on the websites it is suppose to take 20 days, i have also paid lawyers to do so and it is 4 months from the first queries and it is still not done. There is also a judgement which was paid up already many years back and i have only recently notice it i have also paid the lawyers to get it cleared of my name which is still laying on my name. 
My credit report is a very important part of my career at this stage and it is a bad reflection when i apply for other positions, i have suffered along time with this decision of going under administration many years back and have paid the consequences for it. If i could ever advice anyone i would never give them that option. All i want at this stage is to clear my credit report. 
Please can you assist me in this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I lease a XXXX Dodge from XXXX XXXX XXXX in WI XX/XX/XXXX. After the XXXX truck was found to have XXXX more miles than advert sed I have no idea why this is cutting off/ going XXXX. 
I was not provided with and account number or mailing address nor exact payment amount. I contacted Ally Bank on or about XX/XX/XXXX. I sent a payment per verbal instructions. Then I sent a double payment in late XXXX I noticed a partial payment due. I contacted Ally and was informed it was a late charge from XX/XX/XXXX. To which I informed them it was their error in not providing a payment amount, due date, account number and mailing address. 
The person was not authorize to correct so the put in a request. A few weeks later ( XX/XX/XXXX ) at approximately noon I received a collection call stating I was 31 days past due because of a returned check. I advised them that was not possible as it was a cashier 's check. They said it was in the amount of {$2000.00}. I advised them I had never sent a {$2000.00} check. Collector claimed it did not matter that I wa 31 days past due and needed to make an immediate payment. After a " heated '' exchange I hung up. I contacted both the dealership and ally and got lots of reasons why I was past due from they do n't accept multiple payments to a returned check. I ask multiple times verbally, emailed and wrote letter to get address of their regulatory agency to file a complaint. To which I never received a valid answer. 
When I was told it was corrected ... I never got a copy of my credit report showing that it was removed or corrected. 
They sent me some kind of accounting statement showing I made 6 payments in XXXX XXXX and XXXX payments were reversed in XX/XX/XXXX. Which is not a payment history of my account as requested. Nearly 20 hours of business time was spent correcting this only to find out it was still not corrected. The Ally contact with XXXX XXXX XXXX called and during that conversation it was discovered that Ally had added an additional late fee to my account when they had reversed a double payment twice on XXXX XXXX, XXXX. 
I have a verbal phone call that I made that appears that the current amount due is correct as the next due date. I have no in writing evidence of that as was promised on several occasions. Obviously this is a condensed version of what happened during countless phone calls and at least 20 hours of business hours lost. Not to mention multiple harassing collection calls. When they were directed not to call again unless they had a resolution. It was explained to me at one point that collections and the department investigating the issue have no means of corresponding with each other.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Id like to file a consumer report. There is an error on my account and the company no longer has a hold on this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have attached my tax return. I only made {$250.00} in the state of maryland, Thus I do n't owe what they said I owe. 
Maryland has closed this stating they are satisfied, but now it is on my credit for the next 7 years. Its not right, It should not be on there at all. It needs to be off. I attached XXXX document reporting this. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 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 noticed a collection from AD ASTRA RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Delbert Services
State: OK

Complaint narrative:
This is almost a 3 year old problem. I was told it was n't a legal loan, and they ca n't collect it, nor do I remember it. They have threatened to take legal action, several times. Called today 6 times, then I answer a local number and told they receive page work to have me arrest by other party was given 24 hours, that XXXX felony charges was to be filed on me tomorrow. This was XXXX mins after they email my sister XXXX XXXX, I said no during the call last week, he said he want to talk to my sister and I said no, he said he was going to call. Called local DA and was told to contact you. 1. I asked for some proof 3 years ago. Repeated calls, send email to my sister with all info and she was asked to sign it. I was yell at not allow to say XXXX words. Call on XX/XX/XXXX or XX/XX/XXXX told they had a SS ATM card demanded I give it to them. There is no way legally they could know that. Told them I did n't and only a saving account that they could n't debt. I asked for more info because I was told it was n't a legal loan in the state of OK. I do n't remember it. The call got worse they demanded I get a pre-play card. I informed them I was n't because I did n't have money to be put on it. They asked if I had one I said yes but NO MONEY WAS ON IT. I was threaten again I told him I could give him one but no money was on it. They caused XXXX dollars worth of damage to my bank account 3 years causing return fees, bills not paid and ACH run daily racking up fees on me. I 'm told those are hot checks. I 'm on XXXX and they ca n't garnish it, which did cause a garnish of a federal bill because they were cleaning out my account. I 'm still trying to dig myself out. I was asked if I owned a house, I said no, I do not own a house. His name is XXXX. 2 years ago after I asked for proof never heard another word until last week.

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: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I like to inform you that the judgement that is on my credit report should be removed it has expired. The court system is with drew the entire judgement out of their system. Therefore this can not be collected. In this case this judgement should be removed within the next 30 days.

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 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion fails to remove the XXXX XXXX XXXX account.. Transunion reports incorrectly that this account has a credit limit of {$15.00}. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency.. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have consistently disputed my account status with XXXX AND XXXX AND TRANSUNION, but my issue still have n't been revolved. It is showing that I have missed XXXX payments and that is incorrect as well as my balance is incorrect. I just talked to XXXX on XX/XX/2017 at XXXX central time, and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.

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 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit is too old .should be removed from my credit after 7-10 years and it has been past that

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 2016-11-30 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:
Transunion is not allowing me to access my credit report online. When I contact the customer service number at XXXX they say that I have to contact Transunion Credit Monitoring department at XXXX. I call that number and they say I have to call dispute department which the number is the same as the customer number of XXXX. I 'm trying to access my credit report and dispute online but error message keeps coming up and been on the phone for 5 hours and unable to get anything resolve because each department keeps saying its the other department fault.

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 2016-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Trans Union 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 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 non-monetary relief
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX Transunion shows XXXX flagged account " Unrated or Bankruptcy ''. 
Have {$0.00} Balance and No Account Records Available. 
Contacted XXXX/XXXX/2016 WHEN NOTIFIED BY MYIDcare. Called XXXX XXXX ( XXXX ) She could find no records and said " I would have to file a complaint with the Credit Bureau to have the submission 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 2016-10-15 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:
On XX/XX/XXXX all off my inquiries were deleted from. I logged in today and they have been added back on. This has had a major effect on my credit score and it has caused it to go down tremendously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Opened an account with XXXX in XX/XX/XXXX -- they back dated this account to my member service date of XX/XX/XXXX -- this account has been reporting an opening date of XX/XX/XXXX for the past XXXX years -- just recently for no explained reason trans union reported closing this account dated XX/XX/XXXX and opening a new account dated XX/XX/XXXX -- same account! This dropped my credit score XXXX points -- called XXXX and they said it should reflect an opening date of XX/XX/XXXX -- they said i needed to dispute with trans union.

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 2016-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I disputed the item with all of the agencies. XXXX has removed the item however I am not able to get the other agencies to remove it. 
This is the item XXXX credit report prepared for XXXX XXXX XXXX Collections Accounts Removed Since your last update on XXXX XXXX, 2016, XXXX collections account has been removed from your credit report. 




Account Type Removed Status Reported By XXXX Collections 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