vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is my Fifth formal complaint last XX/XX/XXXX over 30 days, and asks you to investigate the business practices of Transunion. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
I have asked that XXXX Credit Card XX/XX/XXXX and XXXX XXXX Credit Card XX/XX/XXXX and XXXX XX/XX/XXXX, XX/XX/XXXX be removed as this was opened as a result of ID Stolen. This has been Removed/Deleted by XXXX and XXXX, however Transunion has been reluctant. My ID was stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX XXXX XXXX Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Transunion 's failure to properly adhere has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed. Failure to do so by Transunion this fifth time will pave way for a suit within 5 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: GA

Complaint narrative:
Company trying to collect more money than I originally owe or borrowed. I only borrowed {$800.00} they are trying to collect {$1200.00}. I was not aware of all the additional fees and interested. I tried to resolve the matter several times but the companies failed to call me back. I called the 3rd party law office that has my account to do a settlement on the account they refused and said I have to pay {$1200.00}. The balance owed is more plus additional fees and interest that I can not afford. I have no problem paying what I owed I can barely afford all the additional fees and I was also told that a lawsuit was filed on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
- Continuous harassment - Threats of repossession for a paid for vehicle - Ignored a certified letter requesting XXXX to cease communication - Sent false information to all credit bureaus ; Sent negative information to a credit bureau before sending a bill for that debt - Refuse to correct false information after it become aware of their mistake and have acknowledged their error. 
- Never able to clearly state what was being charged, and why ; never provided a written consistent bill - Refused to deliver a title for a vehicle that is paid for since XX/XX/2010 - Still reports an account as " charged off '' when it has been paid in full for years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XXXX/XXXX/2015. I opened a dispute with Transunion due to the fact that I had just paid off my Student Loan in full on XXXX/XXXX/2015 with the XXXX. I provided the amount of the payoff and an explanation stating that the loan was no longer in " collections '' and should be reported as closed. Per the FCRA, my understanding is that Transunion is legally required to conduct a " reasonable investigation '' of this matter. 4 days later on XXXX/XXXX/2015 Transunion " hastily '' completed their investigation, citing that the account was being reported " correctly '' despite having direct evidence from me that the account was paid in full ( attached ). I assert that Transunion did NOT conduct a reasonable investigation, and violated the FCRA by being " willfully negligent '' in their investigation, or that they did not actually do any type of investigation at all. Due to the failure of Transunion to conduct a reasonable investigation, I demand that the report be removed from my account immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 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:
There was a complaint filed against a collection agency ( XXXX ). This agency continues to reinsert a collection account to my credit report. The agency was provided with supporting documentation in regards to NOT OWING monies to XXXX. The dispute yielded a remark of " account information disputed by consumer, meets FCRA requirements ''. 
Still, the recent addition has brought my credit scores lower. I am tired of having to continuously challenge this agency 's abusive practices. I would like for actions to be addressed and reprimanded according to the consumer and credit protection laws.

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 2016-03-05 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was checking out for a {$200.00} purchase at Kohl 's Dept Store in XXXX, NJ and planned to use my VISA. The checkout clerk tried to have me apply for a store cc which I declined. Then in the process of using the VISA there were multiple questions on the keypad. Asking me to type in my name, asking questions about my citizenship and finally asking for my SSN. I refused to provide my SSN and they would not process my VISA. The store clerk told me it was the law and that I had to enter my SSN to use my VISA. I know that to be false but he insisted. I suspect the store had some kind of sales promotion for the checkout people and he was trying to capture my information to get the sales promotion rewards. I imagine that people not aware of the law may be duped into providing Kohls their SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
customer service would not help and take care of the negative inquiries reporting to my credit report in which was caused by a glitch in trans union system. I was victim of their " inquiry issue '' and they have still yet to fix the problem which was caused by their end. 

XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX I Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XXXX Finance XXXX Show Details XXXX Banking XXXX Show Details XXXX Finance XXXX Show Details XXXX Miscellaneous And Public Record XXXX I Show Details XXXX Oil And National Credit Cards XXXX Show Details XXXX Finance XXXX Show Details XXXX Finance XXXX Show Details XXXX Banking XXXX Show Details XXXX Automotive XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Finance XX/XX/XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Finance XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XXXX Banking

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 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX sent me a letter stating that they were reporting inaccurate information and would send an update to modify my credit file. XXXX XXXX stated, " XXXX XXXX made the business decision to remove the account. There will be no further collection activity, creditreporting or sale of this account. In addition, the XXXX credit reporting agencies havebeen notified to delete all reference to the account in question from your consumer creditfiles ''.

Company public response: Company 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: CA

Complaint narrative:
I checked my credit and my hard inquiries had been deleted. They have been added back on without any notice. This has affected my 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 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Several inquiries on my reports are unfamiliar and were not authorized by me. I have been victim of identity theft in the not so distant past. 

I disputed these inquiries only to be informed that inquiries were information that could not be removed as they simply reflect credit checking These false inquiries affect my score and if its information provided by agencies then it has to be removed if it 's not accurate

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 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Pulled a copy of my online credit report and found that my delinquent accounts are being reported beyond the 7 year reporting time as allowed by the FCRA. 
XXXX XXXX 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 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have disputed an account XXXX and also provided documentation to establish the reporting companies failure to respond appropriately in accordance with Federal and State regulatory laws. This is my final attempt to have the reporting agencies correct the fraudulent information that does not belong to me, and that the company has failed to prove by the virtue of the laws governing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I purchased a XXXX years ago. I paid on time. Towards the end there was an amount due and XXXX gave me permission to make the last amount in payments. They messed up and marked me as late to the credit bureaus. In 2009 I received a letter stating they had contacted the credit bureaus and marked me as not being late ( see attached ). Every credit bureau except TransUnion changed their records. In the meantime I have dealt with the deaths of XXXX parents as well as XXXX. I am coming into some money and low and behold TransUnion still has not changed my score. This will affect my ability to buy a house. Please see the attached letter with a barcode from XXXX which proves beyond a reasonable doubt they did the right thing. Also please note all other credit agencies do not show a late. Only TransUnion. I want this removed from my credit score with TransUnion. This letter from XXXX is from 2009. 
Thank you, 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 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I FILED A CHAPTER XXXX IN XXXX XXXX. IN XXXX XXXX MY CHAPTER XXXX WAS COVERTED TO A CHAPTER XXXX. ANY DEBT THAT WAS CREATED BETWEEN XXXX XXXX AND XXXX XXXX ARE TO BE DISCHARGED. SEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I HAVE NOT HAD ANY SUCCESS WITH GETTING THESE ACCOUNTS REMOVED FROM MY CREDIT. 
*XXXX SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOULD NOT BE SHOWING ON MY REPORT AT ALL. THE ACCOUNT WAS OPENED IN XXXX XXXX. 
I HAVE SENT THE EXPLANATION OF BANKRUPTCY DISCHARGE IN A CHAPTER XXXX CASE THAT I RECEVIED FROM THE BANKRUPTCY COURT WITH MY DISCHARGE ORDER TO THE XXXX BUREAUS. IT STATES CLEARY " IF THIS CASE WAS BUGUN UNDER A DIFFERENT CHAPTER OF THE BANKRUPTCY CODE AND CONVERTED TO CHAPTER XXXX, THE DISCHARGE APPLIES TO DEBTS OWED WHEN THE BANKRUPTCY CASE WAS CONVERTED. '' I HAVE BEEN SUCCESSFUL WITH SOME OF THE COLLECTION COMPANIES WITH CLOSING THE ACCOUNT THAT THEY PURCHASED ONCE I SENT THE THE PROOF. I CAN NOT GET THE CREDIT BUREAUS TO DELETE THE ORIGINAL ACCOUNTS FROM MY CREDIT, THESE ACCOUNTS ARE DISCHARGED DUE TO THE CONVERSION.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 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:
TransUnion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my credit score is suffering as a result. No notice was ever given which is also a violation. I am requesting that All inquiries be removed. 

XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I agreed with the finance company to make an " interest only '' payment for two months. The company is reporting that I made a late payment. I 've contact the credit bureau to have it resolved with no success.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I initially wrote in about this earlier last year and the company has yet to reponse. 
TransUnion is listing XXXX bankruptcies on my credit report that do not belong to me. 
I never lived at the addresses where these records are found. I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX since XXXX of this year. Prior to that, I lived at XXXX XXXX XXXX, XXXX XXXX, IL XXXX for 6 years consecutively. TransUnion has been notified of this issue but refuses to remove the erroneous information. They calim they got this information from the courts, but the courts insist TransUnion has gotten this information from a third party, who fails to verify the accuracy of the record. Because of this inaccurate listing, XXXX of my credit cards XXXX XXXX XXXX Bank ) was shut down. This is preventing me from purchasing a home. The attorney recommends we sue TransUnion but this will be extremely costly to my family.

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: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
The TransUnion Credit Bureau is reporting XXXX adverse accounts reported by XXXX. These XXXX accounts were being reported previously by XXXX and XXXX XXXX XXXX at the same time. Case # XXXX cfpb TransUnion remove XXXX credit reports and let XXXX reports. 
Then, I applied to TransUnion live XXXX of the due credit report adverse accounts that by asking evidence of debts pointed out me that I convey to the XXXX collection agency to discuss the claim since it does not belong to. I understand that XXXX not debt owned him legally and still it they are reporting it to the credit bureaus.

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 2015-08-18 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: CA

Complaint narrative:
I am trying to access my credit report online, but I am getting an unable to complete your request error. Transunion is denying me access to my account because I religiously check my credit report after a credit denial. I can not get ahold of a real person to fix the problem.

Company public response: Company 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: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion and XXXX refuse to list my existing mortgage on my credit report. They originally had the mortgage listed but was reporting inaccurate information. When I disputed the inaccurate information they simply dropped the account from my credit report. This mortgage has been in my name since XXXX when I purchased my home. I went through a Chapter XXXX bankruptcy in XXXX XXXX and it was successfully discharged in XXXX XXXX. Instead of XXXX and Transunion showing my account as current after the bankruptcy they simply removed it from my credit file. I have been paying my account timely for the past 12 month and unfortunately it is not reflecting this on my XXXX and Transunion credit file. Technically, I have been paying my account timely for the past 6 years because during the bankruptcy, the Chapter XXXX Trustee was responsible for all payments for my mortgage. XXXX is the only credit bureau who is properly reporting my mortgage account and as such I have a much higher credit score with XXXX. I have contacted both XXXX and Transunion via phone and via letter and they still refuse to add my mortgage back to my credit files. Transunion told me that my Mortgage company must send them a request to add my mortgage back to my account. An XXXX representative stated they were unable to add the account back to my credit report stating that would not be fair to me based on 7-year time-limitation of some sorts. I contacted my Mortgage company who sent letters directly to XXXX and Transunion ( twice ) telling them to list my account on my credit reports and show it as current. Unfortunately, they are not cooperating. I will give a lot of respect to XXXX for properly working with me to get this resolved after such a difficult time in my life. I still have another 20 years or so to pay on this mortgage so its unjust for Transunion and XXXX to not list my mortgage as a valid account. Please help me get my Mortgage listed back on my credit reports. 
Thank you and Have a Blessed Day!!! 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Brookshaw Management, LLC
State: TX

Complaint narrative:
My account with XXXX was sold to XXXX and recently they were going to subpoena me to court if I did n't pay {$300.00} dollars. So I did n't want to risk going to court and pay fees so I agreed. The so-called debt collectors are called XXXX Management. I checked out their website and it did n't look credible. Is there anyway you can find out if I have been scammed? I know my money is long gone by now but I want to know if I really paid my debt. Also, when I checked my account with XXXX it said I only owed them {$75.00}.

Company response to consumer: Closed with explanation