vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hi Recently i have received my credit report and there 's an address i have never lived in. 
the address is : XXXX , NV XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I answered the phone call and when I explained that the car is actually my sisters and she 'd be the XXXX to contact for payments. The collector yelled at me in an extremely aggressive manner that he 'd be calling me again and hung up before I could finish explainin I 'd call her to see what was going on. I feel extremely attacked for aggressive tone of the phone call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, up until XX/XX/XXXX my XXXX credit reports where reflecting XXXX. I have been gone since XX/XX/XXXX thru XX/XX/XXXX, somhow transunion has let a creditor change to XXXX, I have submitted proof of my name to transunion. Drivers license, social security card, utility bills and divorce decree stating I get my maiden name back. As a creditor I feel I have rights that is not the case with transunion they told me that the creditor has to electronically file my name but they will not tell me who reported the XXXX name, but I have not had credit in that name since XX/XX/XXXX and transunion is in XXXX. I feel that consumers should have rights

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX is a billing for {$1600.00} for the month of XXXX 2011, however I did n't live there during that time. I moved out of that residence XXXX 2011!! This bill does n't belong to me but to the owner of the condo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I paid my auto loan off in full via the lenders website by submitting an online payment which processed via ACH out of my checking account. Two days later I inquired as to when I would get the title and Ally XXXX informed me that it is " company policy '' that there is a holding period of ten days before they would release the title and then it would take 3-5 days to mail. That is a TWO week waiting period on my title when I paid in full. I would understand if I had written a personal check that there would be a clearing timeframe, but an ACH is an immediate payment. How is it legal for them to hold the title for 10 days? Reg CC has rules against holds being placed on funds via check, but there has to be some sort of ruling on release of title. If they have my funds, I should be able to demand my title.

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 monetary relief
Consumer complaint received 2015-06-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed with the credit bureau regarding an insertion on my credit reports from XXXX XXXX who was collecting from XXXX different collection agencies at the same time while the amount of the debts were in dispute. I sent backup to the credit bureau and instead of investigating and not sending backup, they just left this insertion on my credit report. This was in dispute before it was placed 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 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is what I have written to Equifax and the accounts I am disputing are in 3 separate letters and they have failed to do the following : # 1 properly investigate # 2 provide the documentation made available to me under sections 1681 and 609 as well as # 3 correct my credit report *Please see the documents that I have uploaded that contain my disputes. 
In part, this is what I wrote to TransUnion : I have specifically made complaints against you to the Consumer Financial Protection Bureau in regards to your failure to investigate the accounts that I have noted as inaccurate as well your negligence in provided the required documentation I request and made available to me under section 1681 of the FCRA as well as section 609. 
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Pursuant to section 1681 and comments by Congress, I have notified you that these accounts are incorrect and I require that you send me all the documentation that upholds the listing that you have on my credit file. Your job is not to " interpret '' the FCRA - Congress states that this is in clear language that you can not simple repeat what the creditors say and that you must go beyond what you receive from the creditors to determine if what you received is accurate or not. You have not done so and I can see that most accounts were not even investigated :

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 2016-01-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX is reporting a debt balance of {$760.00} on all XXXX of my consumer credit reports. This debt balance was supposed to have been paided by XXXX when I switched from XXXX to XXXX in XXXX 2015. The debt balance was supposed to have been paided by XXXX as part of their Cut Your Bill in half advertisement. XXXX stated in their Cut your bill in Half promotion that when you switch to their company from your old cell phone provider that would pay the remaining portion of your prior bill. XXXX has not paid this balance and XXXX is reporting this balance to the XXXX consumer credit agencies. Since XXXX has not paid this balance then they are lying in their advertisement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX Services is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX 2008, and should be deleted from my credit report because it has now exceeded the 7 year statute of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 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 only thing I want to correct on my first dispute # XXXX. Is that I typed in the wrong year I first recieved my loan with XXXX in XXXX of XXXX. Not XXXX like I typed in.

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 2016-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was a victim of the inquiry problem with transunion

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 2015-06-24 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: NY

Complaint narrative:
I have a problem getting my annual report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was reported 30 days late by my bank which I have a line of credit with. For some reason our check did not get processed properly because of a bank error or mistake. They got my check and then returned it back. We followed all bank guidelines for listing information for external payments coming from banks. As of a result my payment was never processed properly and a negative remark was placed on my credit report. I 've disputed and requested an investigation. I need to get this handled because I have goals in the future for my credit. attached is the letter XXXX XXXX sent me along with the check image 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 non-monetary relief
Consumer complaint received 2016-10-07 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:
On XXXX XXXX accounts that did not belong to me was deleted and now its back on my credit report. It 's seems like another company bought the 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 non-monetary relief
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint because Transunion has ignored my request to provide me with the documents that their company have on file that were used to dispute the account I disputed. being that this is gone pass 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 that 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 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter XXXX XXXX, 2016 asking for an investigation into what I believe are mistakes on my credit report things I do not recall or recognize. It has been 2 months and they have not responded to me. I read on the Internet that they were supposed to answer in 30 days, so now I am very upset.

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 2015-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Premier Portfolio Group
State: CA

Complaint narrative:
i keep getting calls from premier portfolio group about a bogus debt i want these scammer to quit calling me now

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am in the process of obtaining a mortgage. I applied with a mortgage company that after looking at my credit report indicated that they not process my application because I have XXXX accounts with disputes, and that they would not process the loan unless I remove the dispute. XXXX of the disputes is with collection accounts with XXXX. 
I had disputed the account because XXXX was never able to validate the account and they are claiming an amount for medical services received in NJ in 2012. I have not received medical services in NJ. Last time I received services was due to hospitalization in 2012. 

Reluctant to do and following the instructions of the mortgage company I requested ( see attached a removal of the dispute ). Transunion incorrectly classified the account as a new account placed for collection. My credit score declined overnight from XXXX to XXXX due to the wrong coding of the account. 
Although, I know I do n't owe the money I called XXXX to try to settle the account because I will not be able to obtain a loan with the decline in the credit score caused by Transunion. When I called XXXX today they indicated that they do n't have that account anymore and refused to provide me with an explanation of what happened. Nevertheless Transunion continues to report the account and now to make matters worse they reported this as new account placed for collection. 
In addition to that Transunion does not let me do a new dispute online to provide them with the information I am including here. 
I am requesting that Transunion take immediate action to remove the account completely from my credit report and bring back the score to the level it should be without that 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 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
An Employment Credit Report was conducted by TransUnion on XXXX/XXXX/15. The report concluded " ADDRESS ALERT : POSSIBLE ADDRESS MISMATCH IDENTIFIED - BY LAW, ACTION IS REQUIRED BY THE EMPLOYER. '' The address they listed on the report was XXXX XXXX XXXX, XXXX, CA XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. The XXXX Service and XXXX XXXX XXXX XXXX XXXX ( of which XXXX is a part ) allows for " XXXX '' addresses. Despite multiple attempts to contact TransUnion, I have been unable to get my credit report or talk to an actual human being. I have no idea whether my potential employer will see the Address Alert as something to be concerned about, despite the fact that it is merely TransUnion 's omission of the " XXXX '' part of my correct and legal address. And I have no way of correcting such a trivial error since I can not get in touch with TransUnion. I 'm attaching the complete background report, for your reference.

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 2016-08-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian refused to validate and verify a debt that is listed on my credit report according to law under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter.

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 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The Information listed on Transunion 's for both me and my husband 's credit report, list an address that is not, nor has ever been mine or my husband 's address. The address reported on Transunion 's Report is XXXX CO XXXX. 

Please correct our report by deleting the above address from XXXX our reports. 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 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hard inquiry on my credit report on or about XXXX/XXXX/15. I was contacted by creditor XXXX XXXX about pending application that was fraudulent and they closed the account. I 've filed XXXX disputes with XXXX and Transunion and XXXX XXXX had submitted information on 3 different occasions. Each time I '' m contact back about the dispute I 'm informed that the inquiry is legitimate because they are looking at my actual account opened with XXXX XXXX, not the inquiry for the fraudulent account and refuses to remove the hard inquiry from my credit report. I 've also submitted documentation of the closed account due to fraud each time. I was informed the first document was not received and the second time I was told the inquiry was legitimate due to my active account. This process has been taking place for almost a year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is ignoring my numerous requests to investigate and remove accounts from my credit file that do not belong to me.

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 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
There 's a Florida address that belongs to a thief that took out a XXXX dollar loan in my name in XXXX! 
From the looks or this report, I believe he 's at it again. Never lived in Flordia, never took out a XXXX XXXX credit card? Seems like he took another loan out in my name in XXXX? 
Do n't really know what I can do at this point. The police told me in XXXX when he took out the first loan, that this man has been steeling identity for over 15 years, with never a conviction? So now 10 years later, he 's been stealing successfully for over 25 years! 
I 'm ready to give up and start doing what he is! Seems like a pretty good living! 
I refused to pay a bogus bill from XXXX in XXXX and it still shows up 11 years later? 
It seems to me that my XXXX score is not fair at all. 
Thanks, the real XXXX XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11 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: CT

Complaint narrative:
i applied for a mortgage on XX/XX/2017 and was denied because of lack of existing loans, my Transunion credit score was XXXX on that date. I then applied to XXXX for a secured personal loan. I was told that my Transunion Credit Score was XXXX. I went back to the mortgage company and applied again and my Transunion Credit score still XXXX with the new credit report they pulled on XX/XX/2017. I have called a number of times and can not get any response as to this issue, nor can anyone explain to me how I am to rebuild my credit score when it appears there is something else going on that I am not aware of. I am asking for your assistance in resolving and getting a clear explanation as to this issue. Thank you in advance for your help and support in resolving this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are inquiries on my report that do not belong there.

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