vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i disputed the tax lien with trans union a few times, and they came back verified, when i called to request a method of the verification, and i told the rep that this is not a good verification, so he called the county court clerk to verify the information, and the county court told trans union that they do n't furnish or verify any information and that means the investigation of the dispute is over and the results is unverified, therefore the information on my report is unverified information and needs to be removed from my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX social security # XXXX XXXX XXXX XX/XX/XXXX social security # 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 2017-02-20 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:
Transunion refused to reinvestigate collections that do n't belong to me. I never received proper documentation from Transunion of documents provided to the bureau to verify that the debt belongs to me. 

Tranunion did not properly notify me of collection accounts being reinstated on my report. 

Debts impacted 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 2016-04-16 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 attempted several times to get my credit report from transunion. I sent in proper id and still am unable to receive my report from them. This is affecting me in obtaining credit.

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 2017-03-23 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:
My ex-husband filed for bankruptcy on XX/XX/2013 and submitted the application with my forged signature. I did not sign or file any paperwork for this bankruptcy and had no knowledge of it being filed until yesterday. It is on my credit and affecting me greatly. I would like it to be removed. I have filed fraud case with the department of justice today. I have proof that we were n't married at the time he did this and that my signature was forged.

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 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
To begin, my previous dispute with the Consumer Protection Bureau against Transunion was not properly addressed. Originally, I demanded validation from the following creditors : XXXX XXXX and XXXX XXXX to prove the amount they seek to collect is valid. They have not provided any evidence or information to me to substantiate their demand for payment. Transunion did not provide an explanation of how they verified the creditor has complied with my validation request to allow them to continue reporting the information. All Transunion has done is describe how TransUnion verified the balance due. Pursuant of the Fair Credit Reporting Act I request a detailed description of the method used to verify the creditor 's compliance with MY DEBT VALIDATION REQUEST. 

Although, it is not Tranunion 's obligation to mitigate disputes between consumers and data furnishers, it is Tranunion 's obligation to ensure the data furnishers are following the laws which govern credit reporting and collection. I understand you are not obligated to acquire original documents to verify the information, however ; the creditor can not report information that they can not validate to me, the consumer, after I have requested it. This letter is advising you that the company has not complied with my demand for validation. It is now your obligation to verify their compliance with my debt validation request prior to the continuation of reporting their furnished information. 

Ultimately, I need the invalid information removed from my reports immediately as it is causing financial harm. I own and operate a conglomerate that focuses on the acquisition of well performing small businesses and this inaccurate information is preventing me from obtaining necessary loans for me to earn a living. If you continue to report information that the company has not validated with me, I will pursue legal action in the XXXX County Court of Nebraska. I will seek lost earnings in the amount of {$2100.00} per week which is what this invalid information is costing me. In addition to the actual damages, I will seek statutory damages for every unverified and invalid item you continue to report. Finally, I will seek recoupment of any and all legal fees I acquire to enforce the Fair Credit Reporting Act with your company. I assure you I have the time, the grounds, and the legal and financial means to take the actions mentioned.

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 2015-08-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
GMAC HAS AN ACCOUNT OSTED ON CREDIT REPORT THAT IS PAID OFF. THEY CONTINUE TO TRY TO COLLECT ON DEBT, POST ON CREDIT REPORT AND STILL OFFER TO DO PARTIAL PAYMENT AND XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX in XX/XX/XXXX, first reported delinquent XX/XX/XXXX and written off by the company in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX purchased the debt. I was not aware of this until recently checking my credit report. They are reporting the date the account was opened as XXXX XXXX, XXXX and continue to report delinquency up to this month XXXX XXXX. I have disputed this several times with the credit reporting agencies and they are doing nothing about it. This debt is being reported incorrectly by XXXX XXXX XXXX as the debt is too old to show on my credit report. I called the original creditor, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX to confirm the dates and they stated the debt was too old and should not show on my credit report by XXXX XXXX. Since I am getting no help when trying to communicate with the credit reporting agencies, I am filing a complaint with the CFPB. I appreciate any help you can give to correct this issue.

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 2016-10-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am not now, nor have I ever been, known as " XXXX XXXX. XXXX. '' Also, I am not now, nor have I ever been, known as " XXXX XXXX. XXXX. '' My name is " XXXX XXXX XXXX XXXX XXXX. '' Please eliminate these false names. 

Also, thee accounts with # XXXX XXXX with the Department of Education/XXXX are now discharged by the Department of Education and should read XXXX balance, paid in full. 

Similarly, the account with Department of Justice/Child Support, # XXXX, is closed, paid in full, and should no longer be reporting. 

Finally, the account with XXXX, # XXXX, has been discharged by the Department of Education and should read XXXX balance, paid in full. Please correct this. 

Please also report my spouse as " XXXX. '' Finally, the city of my former employer, the XXXX XXXX XXXX, is " XXXX, '' Virginia, not " 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 2015-05-27 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:
On XXXX XXXX, 2015, I faxed a letter to Transunion asking for a few items to be placed under investigation. I received a letter from Transunion dated XXXX/XXXX/15, stating they do n't understand the nature of my request. My letter was very clear and concise as to what it is I am asking them for. They have delayed the process now for XXXX days, which is very unacceptable and they have failed to conduct a proper investigation as they are supposed to begin the investigation within a certain timeframe of when the request for dispute is received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I paid XXXX collection accounts that appeared on my credit report. XXXX of the accounts was promptly removed from my credit report the other XXXX-Trans Union is stating will remain for XXXX years. I am going through a mortgage process and this is preventing my approval. Even though its been paid, they are refusing to remove it from my report. I have letters of satisfaction stating paid, they told me to fax it over to them. I attempted to fax-and it was unable to go through. They kept telling me that the creditor has to give them APPROVAL to have the debt removed. I called both creditors, 1 ) the XXXX XXXX XXXX XXXX, they said it takes 60 days for the time the payment is received and when it will be removed. 2 ) Escallate, the removal had to be approved by the Vice President of the company. Either way, the debt has been paid, it should 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 explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This listing is incorrect. I once owned a business that was called XXXX XXXX. This business was sold and there was never a Bankruptcy filed by me. I do not have a bankruptcy listed to me and there was never any debt discharged. Please look at the total amount it is XXXX ( XXXX ). This listing is erroneous and I want to have TransUnion confirm this listing as it is old and I had it cleared up. They refuse to reconfirm that this listing is indeed still listed and that it is mine. TransUnion has a reputation for being the worst reporting agency because they refuse to follow legal protocol regarding credit reporting. 

This listing is not correct and it is not listed with any of the other reporting agencies. It is affecting my credit score and jeopardizing my ability to qualify for a mortgage loan. I really appreciate your services and help to the consumer. Thank you, 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 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These number do not belong to me my phone number is XXXX. So the number that is above 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 2015-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I got my annual free credit check and when I look on there I seen XXXX address that are not mine, also it was a name that I did n't recognize on my credit check too, I would to investigate any fraud accounts in my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted this credit bureau XX/XX/2016. I disputed regarding a company called XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was the alleged original creditor. They were removed from my credit report. XXXX XXXX XXXX has not responded to my certified mail request for verification. The original creditor , XXXX XXXX, did not respond to my request for information and it has now disappeared from my credit report. I followed the protocol according to what the bureau put in writing. The sound of crickets is the response from the original creditor and collection company. They have not provided written documentation of how they obtain ownership or assignment from XXXX XXXX. XXXX XXXX XXXX has gone from being a disputed company to outright unethical or even outside the lines of compliance with consumer rights. I thought this was deleted from my credit report in the past. This collection company has now appeared on my credit report with a new account number, new total that is {$2500.00} more, new interest being charged, and now seemingly appearing as a newer past due history which lacks any information regarding the payment status from the date they are claiming as the reported date. I wrote to the credit bureau by certified mail. What has the bureau done? They have just continued to update incorrect information. There is nothing stating this is disputed. There is nothing provided to me showing how this is my debt. I have asked several times for this removal from my credit report. I thought the credit bureau was suppose to report accurate information. If they are obtaining new information from XXXX XXXX XXXX, I want to know what is it? I checked this past summer and as late as XX/XX/2016 on California 's Secretary of State 's web site for business entities XXXX XXXX XXXX is listed as a dissolved entity. How can the collection agency obtain any recent information from the original credit when the original creditor is no longer a registered entity in the State of California? Is this credit bureau going to continue to ignore that the collection company is not abiding by credit laws by charging interest? How can a debt that was disputed at a little more than {$4500.00} turn into {$7000.00} with a new account number not be reporting false information?

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 2016-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TRANS UNION have reported XXXX incorrect bankruptcys on my credit file. i contacted courts about. they informed it could be computer error or somebody with same name. XXXX Bankruptcy Clerk informed they do not verify or validated bankruptcy with credit bureau. Trans Union informed me after responses that it was verified. I have a letter from court informing they did not verified. Trans union is still reporting on 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 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX have my ssn wrong, when I had an original complaint they were unable to located my information due to the fact that they had my information wrong in the system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
there are inaccuracies in my credit report and transunion euqifax and experian refuses to dispute them any further

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 2017-01-22 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:
On several occasions, I mailed letters to all XXXX credit bureaus. 

XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX I also forwarded a letter from the creditor for XXXX XXXX bank about alleged late payments. They were unable to verify my late payments and forwarded me letters to send out to each bureau, they refused to update the account. 

Address XXXX XXXX XXXX XXXX, XXXX NY XXXX IS NOT MY ADDRESS Address XXXX XXXX XXXX XXXX NC IS NOT MY ADDRESS XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX XXXX : XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX I also forwarded a letter from the creditor for XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX XXXX, XXXX NY XXXX IS NOT MY ADDRESS Address XXXX XXXX XXXX XXXX NC IS NOT MY ADDRESS Transunion I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX : XXXX/XXXX/XXXX ( they submitted a letter of removal to the credit bureau and they still have n't removed this ) XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX : XXXX/XXXX/XXXX I also forwarded a letter from the creditor for XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX XXXX, XXXX NY XXXX IS NOT MY ADDRESS Address XXXX XXXX XXXX XXXX NC IS NOT MY ADDRESS Due to the delay of the credit bureaus response, I have been forced to freeze my accounts until this matter is taken care of. 

I am an XXXX XXXX Service Member Currently XXXX to XXXX since XXXX XXXX. I had my power of attorney take care of the credit matters and they have n't gotten any response. It is appalling that serious matters like this are dealt with no sense of urgency and nonchalantly. Please contact me at the earliest convenience to deal with this matter. 

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 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, MDXXXXThis address is not mine, I have never used a XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03 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:
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, AND XXXXand have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. 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 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have a student loan account that is consolidated now, but used to be XXXX separate loans corresponding to semesters spent in college. I have a 90 day late on my credit report for each of these Closed accounts. The servicer at the time is no longer in business. I have called the National Student Loan Data Center as well as the current servicer and they have no record of me ever being behind on any of those loans while separated or consolidated. I feel that it is unfair that this is being reported on my credit because the information is inaccurate, and it is preventing me from getting a mortgage.

Company response to consumer: Closed with explanation