vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Bought a Bowflex from XXXX which they, I, financed through XXXX XXXX. It was a installment sales contract. But on all three credit reports it is listed as a revolving account and an installment sales contract. XXXX is the only one that lists it a installment sales contract. The other XXXX companies and hy cite refuse to alter the info because it is listed as a positive account, paid in full and never late. An installment sales contract would make it a mixed credit report and would raise my score from XXXX to an XXXX. When applying for a loan it was one of the reasons listed for denying the loan. Also XXXX a utility company should be listed as a sales, as I pay month to month and not under contact. If I had bought a car or boat this is where it would be located under sale 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 explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A tax Lien was reported improperly on my Transunion credit report by my counties tax assessor for non payment. The county says that they sent me notices for non payment but never did. The assessor says that they have no proof that any letters were sent and that the letters were not certified. The tax billhas been resolved since XX/XX/XXXX and no lien is reported to the state but shows on my credit file.

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 — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I paid this Creditor in XXXX and it still is showing on my Credit Report. XXXX amount of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Debt collector, XXXX XXXX XXXX XXXX is reporting the incorrect date of first delinquency and re-aging the account adding an additional year. Transunion refuses to correct the date as they state they are not responsible for what is reported and they are not authorized to correct errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Transunion has an incorrect address noted for me. I believe that there is an individual with my name who lived there, and the information was simply added to my report instead of hers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX is being reported on my XXXX, XXXX, and Transunion credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all three credit resort which hant been done. I payed this item in full on XX/XX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I only have one Employer. I work full time for XXXX XXXX XXXX since XX/XX/2014. All other employers listed on my Report should be removed. 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 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was not the owner of this property for the year listed on the Tax Lien according to the XXXX County, Board of Assessors. ( See attached ) This Lien is a non issue with XXXX and XXXX but I ca n't clear it up with Transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The company responded that they will not respond to this complaint because they feel I am not the consumer - Complaint ( XXXX ) The company was unable to respond to the complaint without authorization from the consumer. At this point, no further action will be taken on this complaint. The consumer can submit a complaint on his or her own behalf or authorize someone to submit a complaint on their behalf.. 

I am the consumer submitting this on my own behalf and not the behalf of a credit repair company. I have reached out to TU via phone and written letter with proof and they have still not responded or deleted the incorrect information on my report. 
The Credit Bureau failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my accounts. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified. 

Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. All in all, they have ignored my request to provided me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. '' This law is as clear to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted 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 2016-07-06 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:
Several of my credit inquiries were removed on my transition report then later were reinstated without any notification.

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 2016-02-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In XXXX of 2007, my name appeared second on a finance contract with ALLY FINANCIAL to allow my former wife to purchase a vehicle under the XXXX Program. After she made several late payments, ALLY FINANCIAL sold the vehicle for a profit and refunded some of the money to her. Despite that I made none of the late payments nor received any of the proceeds, ALLY FINANCIAL refuses to delete this account from my various credit files.

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: TX

Complaint narrative:
It appears that 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. 
XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015

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 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There were many inquiries on my account that were deleted and reinserted to my credit report without My knowledge. I 'm asking that these inquires be removed. To my knowledge that against the FCRA XXXX credit cards Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is reporting a tax lien from the XXXX of Georgia in error. The XXXX of Georgia shows I do not have a tax debt listed with them. The TransUnion report shows a lien placed in 2007, however I did not live in Georgia that year. I filed a complaint that the lien was placed in error but TransUnion said it was validated without offering any proof as to how they validated with the XXXX of Georgia in a few days investigation. The Georgia revenue office says they do not validate debts with credit bureaus and do not report anything to credit reporting agencies. I would like this public record removed 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 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnoin has placed XXXX XXXX XXXX in XXXX GA on my credit report and I have never had a loan with theses people and I want it taken off my credit report soon as possible. XXXX XXXX XXXX phone number is XXXX. My name is XXXX XXXX the last SS # XXXX my cell number is XXXX if you have any questions for me concerning this matter. I have this removed. Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There are a number of hard inquiries on my credit reports that I did not apply for. I was just made aware that I can dispute these. This came to my attention after XXXX suddenly appeared on my TU report twice for something that I do not remember applying for. The following inquiries I believe to be inaccurately reported. 

TU : XXXX XXXX/XXXX/XXXX, XXXX twice XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX XXXX : XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX I 've attached copies of my most recent TU and XXXX credit reports for your reference. I 've been trying to establish credit for myself, so you 'll see a good amount of inquiries listed. The only ones I believe to be inaccurate are the ones I 've mentioned above. If you have any further questions regarding this, please do not hesitate to ask. Thanks!

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 2015-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE ATTACHED BOTH EQUIFAX AND XXXX REPORTS IN REGARDS TO INCORRECT LIMIT AMOUNT AS WELL NO CREDIT REPORTING. 
XXXX XXXX XXXX : XXXX : LIMIT IS {$1000.00} BALANCE IS $ XXXX : **************** LIMIT IS {$500.00} BALANCE IS $ XXXX LIMIT IS {$450.00} BALANCE IS $ XXXXPLEASE UPDATE AND FORWARD ME A REVISE CREDIT REPORT COPY. 
THANK YOUXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted the Bankruptcy court asking their method of verification and they responded saying they do not verify or validate any information to the credit bureaus. The credit bureau refuses to remove the information although they specifically told me they verify personally. This is a direct violation of my consumer rights and I would like the false information removed immediately from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed Chapter XXXX bankruptcy with Equifax they signed for my initial certified dispute letter on XX/XX/2016. They responded that they have verified the reporting to be accurate from the federal bankruptcy court. I requested validation in the form of my signature, they failed to provide that to me validation. I also submitted them a copy of a letter from the bankruptcy court stating they do not provide any information to the credit bureaus along with a 2nd dispute letter which they signed for on XX/XX/2016. This is deformation and Violation of the Fair Credit Reporting Act. I demand that it be removed immediately from my credit report. As of today XX/XX/2016 they still have failed to validate this or mark my report as disputed. Equifax has failed to properly investigate this. They sent me the same verification letter both times within 4 days of signing for the letters. Which tells me they generated a pre-written letter from the computer and sent it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Seterus, Inc.
State: NC

Complaint narrative:
I filed Chapter XXXX Bankruptcy in XXXX of XXXX and it was discharged in XXXX XXXX. My husband XXXX and we incurred over {$200000.00} in XXXX debt after the BK discharge and then in XXXX XXXX I was laid off of my job. I obtained a new job very recently and when Seterus took my mortgage over ( XXXX payments due ) I told them after they called me relentlessly that I was a discharge BK and I had NOT reaffirmed the debt. So I explained that they can not call me like this. However I did tell them that I wanted to work something out. But they said I needed a months worth of paystubs. I told them I would n't have that until XXXX at which time I would send in the workout package and begin the process. However they seem to ignore the laws regarding bankruptcy and continue to call me several times a day trying to collect payments. I understand they are a new servicer but that is why I informed them on DAY XXXX that I was a discharge BK so that they knew they were not allowed to call me like this. I have had enough and am seeking legal counsel at this point because apparently Seterus feels they are above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I ordered my credit report and seen that XXXX had this account as marked as a charge off. I disputed that because I had a paid in full letter dated XX/XX/2012. At first they updated it to paid and listed different dates that were late. I disputed it again and the dates delinquent changed again. I disputed it again. The dates changed again but never corrected this to never late. I contacted them to contact XXXX and they said the did not and would not call XXXX. I said well I dispute this again and within an hour its updated and not investigated. I explained that the car loan I had was for a vehicle that was in a accident and the vehicle was totatled. THe insurance company sent them a lump sum check. I also moved right around the time of the accident and when I spoke to XXXX at XXXX she did say correspondence was sent to me that the deductible was my responsibility. I asked her if they got the letters back since I had moved. She said it was noted that the mail was undeliverable so they began contacting me via phone at which time I did give them an over the phone payment to clear the account. The contact Equifax again today. I was told there is nothing they can do and there is no law obligating them because of errouneous mistakes to change the information. I told them I had the paid in full letter and they said they were not breaking any laws. However they are. They are not even investiaging this as they should. They refused to contacted XXXX other then electronically. Equifax is aware by how many updates they have made to my account that XXXX continues to provide them with accurate information. I spoke with a supervisor today his name is XXXX and then his supervisor XXXX Who said there is nothing more we can do and this would need to be disputed with XXXX and not them. My rights are being violated. and I want this looked into more. They admitted and acknowledged that there were errors but are refusing to fix it or investigate more thorough.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im want XXXX XXXX XXXX XXXX to be disputed and to be taken off my credit. I didnt leave a negative balance as shown in the bureaus in the year of 2008 and its just sitting on my credit causing it to be poor. It has been 7 long yrs now and i want it removed.Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX inquiry should have been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I believed some of the information on my credit report are incorrect and should be removed immediately in 2009 I was rear-ended by another vehicle by no fault of my own immediately following the accident, I was removed to the hospital and received medical care and released. Afterward, I also received medical follow-ups with different doctor 's and received treatment for my injuries, up to this day after checking my credit report I noticed I still have collection notices on my credit report for the treatment I received after the accident, in-spite of the fact I had hired an attorney to represent me and who close the case and assured me all the medical bills had been paid. For some unknown reason, those collection notices are still on my credit report and are causing a lot of XXXX moments the medical problems which I am currently suffering.

Company response to consumer: Closed with explanation