vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Premier Portfolio Group
State: MD

Complaint narrative:
I received a call from XXXX XXXX from Premier Portfolio and she stated to me that I owe a payday loan which I opened back XX/XX/XXXX. However, I never applied for a payday loan from this company and I was enrolled with Payday consoldation company which everything was paid off. When I asked her for a letter showing me what I owe, she gave me a hard way to go. I then asked her to email me this information to my email address which I provided to her. I asked her will it be within the hour. I also informed her that I have also contacted my attorney and the attorney general 's office. She asked me for the last XXXX digits of my social security number which I did not provide for her. She stated to me that information was sent to my home and it is showing that I received it back on XX/XX/XXXX. I then asked her for the company name and she then told me that they would not have my information because this company forward to this company. I told her that within Maryland law, if any consumer owes a debt, then a disclaimer is read before a conversation. I told her that I believe that this is a scam and I am contacting my attorney with this information. She told me that she wanted my attorney 's phone number and I asked her if you are willing to provide this information to my attorney then why would you deny me the right to have this information in front of me. I told her that I would like to have this in my email. I still have not received this information through my email. I want to file a compliant and ask that this company not call me anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Chap XXXX filed in 2009. It was dismissed and closed because of job loss do to XXXX XXXX. Credit agency says they will not remove for 10 years claiming that they would only remove in 7 years if it was XXXX. I did not see that distinction in the Fair Credit Reporting act

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 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
There is a reported open balance after the account has been paid and closed.

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 2016-02-06 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:
There are several questionable problems with my reports as in medical, credit card information and the fact that I had to purchase my free credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 matter as soon as possible. Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 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 not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 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:
Pursuant to the last letter received from the credit bureau, they have failed to furnish the information used to ascertain the method used to report the account in question ( The Right to Report ). I have sent letters certified mail, and have received notification of their ( CRA ) receipt of disputes. I have received nothing but stall tactics, and accusation of frivolous disputes. Yet, my requests have not been honored which is my right under sections XXXX & XXXX. If in fact a bankruptcy has been dismissed, Is n't it unfair that such bankruptcy should be held against a consumer when the consumer did not go through with the bankruptcy? It automatically becomes public record when you file, I understand this. Why though, when the smoke has blown over and the bankruptcy is dismissed for non payment, change of heart, etc ... is the bankruptcy to remain public record? Its insane, and it hurts the general public to be able to exercise their right to in fact change their mind about such a big change to their lives if thats what they choose to do! This bankruptcy has kept me from obtaining credit, and has hurt me in many areas of my well being. It 's down right embarrassing, and unfair that it is held on reports and it is n't completely legitimate because it was dismissed. Section XXXX & XXXX grants me, the consumer the right to know what, and who is reporting on my credit, as well as names of people associated with investigations and the method of verification used to report this information. They have not complied, and I want to sue for willful non-compliance. Seeking all damages possible. I have attached letters i have sent to each Bureau. I however have not attached their responses or receipts of my sending letters certified mail as i do not have the ability at this time to scan and copy these documents to my computer.. But I do have them and will get it done when needed and expeditiously as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion set me a letter and provided a phone number : XXXX to " get more information on the public record ''. There is no way to speak to anyone at the number. It is only automated recordings that allow you to either get a copy of your report or buy products from TransUnion. The product offers are repeated multiple times and if you do n't buy one of the or accept the " free trial '', you are disconnected.

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 2015-05-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Account Discovery Systems, LLC
State: MO

Complaint narrative:
Received a call from XXXX XXXX. The entire Message is as follows. This is an investigation into ( MY Name ) I need to speak to him of his representing attorney Have him call XXXX in the mean time I will try to leave messages with ( my mother, my wife, my ex-wife, my sister, an unknown person, an uncle I have n't seen in XXXX years ). My wife called him and he said he was looking at our financial information and could tell we had money to pay him. He said he would call our current creditors and leave derogatory information. He then proceeded to tell my wife that " They '' original creditor XXXX XXXX XXXX could, would, and will get their money. At no point did he disclose his employer. We waited to call " After hours '' and it then says who what and where the call came from. I never received any written documentation from this company so I could dispute. I believe that due to me disputing information on my actual credit report that he was able to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My complaint is against Trans Union credit agency, I 've disputed this company three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/2016 ) regarding the same issue. Each dispute has been open longer than 30 days with no solution and no resolve. I have spoken to numerous supervisors including a XXXX XXXX. Trans Union is keeping an open, active status on an account that has been PAID. XXXX Balance, and closed. They refuse to investigate the matter and upgrade their records. The company that held the Collection is called XXXX. I have receipt of it being a Closed Collection. Trans Union has been difficult and negligent in this situation. I 'm am currently shopping around for personal loans and banks are questing me about the XXXX collection that has n't been closed out. Even on XXXX its reporting a open collection which is bring down my 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 2015-11-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
During an application for a car loan, I discovered that there were many errors in my Credit Reports with all XXXX credit bureaus ( XXXX ; XXXX ; and TransUnion Consumer Solutions ). I respectfully sent a request letter to them to investigate, delete, and forward me the names and phone others of all the people they contact, any documentation as well as a new Credit Report within 30 days per Fair Debt Collection Practices Act ( FDCPA ). 

To my dismay and surprise, I have not received any documentation evidence as stated in all my XXXX letters I sent to all XXXX credit bureaus ( XXXX ; XXXX ; and TransUnion Consumer Solutions ). 
I feel it is an intentional action by these credit bureaus to gain from the errors in other peoples credit reports so that we as consumers can pay for very high interest loans as I am paying now. Per Fair Debt Collection Practices Act ( FDCPA ) reuglations they are supposed to investigate any errors and notify me if these have been done. 
I am about to file a law suit against all the credit bureaus ( XXXX ; XXXX ; and TransUnion Consumer Solutions ) ; and before I do that I report it to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I have repeatedly requested that Ad Astra Recovery Services Inc. provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX major credit cards were accessed over the past year, XXXX were checking accounts, XXXX did not notify me and I do not routinely check activity as I have a specific purpose for that XXXX card. My checking account needed to change along with several bill payment methods. Theft of my identity was being used over XXXX miles away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed a collections account on my Transunion credit company. The account is for a medical bill in my hometown of XXXX, LA. The account is currently owned by XXXX ( accoount # XXXX ). The account has been transferred to a number of different collections agencies and I dispute it everytime it pops up on my credit report. It was previously owned by XXXX XXXX and I disputed it then also. XXXX is also reporting this account, but on my XXXX report the account is owned by XXXX. The account is for a medical bill my father accrued when he went to the XXXX at XXXX XXXX XXXX. The info I 've received thusfar matches the dates of the charges.His name is XXXX XXXX. The collection agency that reported the account sent a letter to me in response to my dispute. The letter is also addressed to my father, they just sent into my home instead of his. Today, I got a notification from XXXX XXXX that Transunion has completed their investigation and they are refusing to remove the inaccurate information. They claim it meets FCRA requirements. But this is impossible, because the account is in my father 's name. I called Transuion last week to emphasize how important it is that they remove this fraudulent information from my credit report. I guess I did n't drive the point home well enough, because despite the collections agency submitting a letter that is addressed to someone else, they still did not remove the information. I am looking for an apartment and I really need this account deleted so that I can get approved or I will be on the street come XXXX. Please help. This is extremely urgent.

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 2016-11-14 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:
XXXX has put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Trans union several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Trans union credit report and to stop this harassment.

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 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
this accounts was disputed on XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified letter was received on XX/XX/XXXX, see proof in attachment investigation still in process takes more than 30 days, no any answers

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 2016-07-08 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: HI

Complaint narrative:
XXXX XXXX 2016 -- & gt ; YOUR COMPANY ( ANNUAL CREDIT REPORT ) PRACTICES FRAUD eg. XXXX GAVE NO FREE REPORT ; must call or send info. XXXX GAVE NO FREE REPORT ; must call or send info. and TransUnion GAVE NO FREE REPORT. IN FACT CHARGES A DOLLAR AND CHARGES MORE IF THE SERVICE THEY GIVE IS NOT CANCELLED. YET THEY DID NOT ACCEPT MY CHARGE CARD.

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 2015-10-14 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:
I did not authorized this hard inquiry

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I reviewed my TransUnion credit report several months after a Chapter XXXX bankruptcy discharge and found numerous errors, so I filed a written dispute via a detailed certified letter. Not only was a lot of my personal information incorrect, the main issue was that the creditor accounts discharged were still noted as delinquent and every trade line contained negative information. Since accounts discharged in bankruptcy are only allowed to reflect this wording and a XXXX balance, and no other negative information can be shown on the account 's trade line, I filed the dispute mainly in regard to the accounts in question. When I received the reply from TransUnion, it was very apparent that no one read my very detailed letter nor did they pay any attention to the meticulous documentation ( my bankruptcy discharge, the creditor matrix and petition ) I enclosed because they did practically nothing to correct the errors in my report. Other than deleting the wrong addresses and some of the incorrect phone numbers listed in the file, nothing else was fixed. They even created a new error by removing my current employer and adding a previous company that I worked for 15 years ago in it 's place! Each of the creditor details were the same and included the very same negative remarks that were there in the first report I reviewed. I spent hours and so much time putting together the package that I initially sent them with notes and back-up documents the first time around to actually have things fixed. I just want it corrected once and for all. I 'm trying to put my life back together. After a bankruptcy, you take the hit by having that public record notation in your file for 10 years. Every trade line in your credit report gets " Bankruptcy '' added to it, as well, but they do n't get to keep any of the balances, delinquency notes and collection remarks, on top of it. Is n't that why you went down the bankruptcy path in the first place - to wipe those slates clean? So in closing, I just want the errors and delinquency information appearing in the trade lines of my TranUnion report fixed once and for all. I have attached a copy of my dispute letter along with the first credit report I received from TranUnion with all of the errors highlighted, the supporting documentation, and the so-called " revised '' report I then received from Transunion. Thank you in advance for your time and assistance.

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 2017-01-21 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: OR

Complaint narrative:
Was unable to get my annual free credit report online from TransUnion. An error message claims TransUnion is unable to verify my identity, but no such error occurred with the other credit agencies. Because of that I 'll have to wait 6 weeks for one painstakingly ordered over the phone or purchase one online. TranUnion also makes it very hard to purchase just the report without a recurring $ XXXX service. I had to dig and dig for that option.

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 2016-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Glass Mountain Capital, LLC
State: FL

Complaint narrative:
Glass mountain capital is trying to collect a debt which is not mine. I am a victim of identitytheft

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
They are trying to charge me for a lease return for body damage that was repaired by a certified body shop at the XXXX dealership. I have paper work that shows what work was done and what they are trying to charge me the car was turned in on XXXX/XXXX/2016 and was not inspected until XXXX/XXXX/2016 by ally bank and I 'm not in good health and this is stressing me out.

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 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting incorrect information for XXXX accounts on my credit report. I have attempted to contact them directly on XXXX separate occasions and they refuse to correct it. They are incorrectly reporting the date of first delinquency for both accounts as XX/XX/XXXX. I have contacted the original creditor ( XXXX XXXX XXXX XXXX ) and verified that they date of XXXX delinquency for both accounts is XX/XX/XXXX. I have also requested that XXXX, XXXX and Transunion correct they information but they have not. The XXXX XXXX account numbers are XXXX ... and XXXX ... The Original creditor is XXXX XXXX XXXX XXXX and the account numbers are XXXX ... and XXXX ... As you can clearly say on my credit reports, XXXX XXXX is reporting the correct date of first delinquency but XXXX is not. At this point I want all the XXXX XXXX accounts removed from my credit reports.

Company response to consumer: Closed with non-monetary relief