vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Automatic Data Processing, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, and XXXX i purchased XXXX items from XXXX as a result, XXXX item was a XXXX for my car and the other item was a XXXX for XXXX as a result, both items were defective! The shoes were not in good condition they were falling apart and the parts for my car were missing screws! I contacted XXXX about it and my claim was denied due to at first i stated i didnt receive the item which was true but weeks later received it but it was defective! I was very furious after getting denied through XXXX so i contacted adp regarding this transaction and weeks later my claim was denied i was very upset after being denied twice by XXXX and my card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX need validation of debt done. the last payment date is missing. I need the full payment history from XXXX sent to me. Transunion has missing information. CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 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:
This is my SECOND WRITTEN REQUEST. The unverified item listed below is still on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is not only mine but that it is correct. In the results of your first investigation, you stated that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? I requested copies of the original documents that you used to verify this account, and it has not been provided to me as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. 

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 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX is reporting my accounts as charged off and late even though the information is over XXXX years old. I requested that accounts be taken off my report, but to no avail. Additionally, I filed bankruptcy XXXX in 2010 and the accounts were discharged.

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 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Credit agency admits the receipt of proper documentation toward inaccurate information being reported from XXXX XXXX XXXX XXXX loan number XXXX They claim they cant find the name of the reporting mortgage company even documents from police department and supporting bank clearly indicates the reason for inaccuracy and removal of the wrong information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did a dispute on XXXX XXXX and I was told that it would take 30 days. 
I did another dispute on a totally different item on XXXX/XXXX/2016. I am now being told that the XXXX XXXX dispute will not be completed until XXXX/XXXX/2016 because they received another dispute during that time. This is unacceptable. The FCRA says that the CRA have 30 days to complete an investigation. If they can not complete this by XXXX/XXXX/2016, they should delete it. Enclose is the statement where they said it would be completed on XXXX/XXXX/2016.

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 2016-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please be advised the credit reporting agency is reporting XXXX open tax liens on my account in error! Please see below. The credit bureau claims that the court furnished them the information but I called the court and they said they do not give out that information! Please see below! I also visited XXXX : XXXX XXXX The GA Delinquent Taxpayer List ) and searched my name and XXXX XXXX which is XXXX and there was NO DATA FOUND! 
Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$800.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$360.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There is a negative item on my report that only Tranunion has not removed from my report. The name of the original creditor is XXXX XXXX XXXX XXXX XXXX that states that I owe {$1000.00}. This is not mine and I have a letter directly from the Creditor ( Insurance company ) that validates this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 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:
My last name and my brother last is the same my brother has mortgage under his name, however I have no mortgage under my name Thsnk

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 2016-07-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I over paid this credit card by {$350.00} when paying it off and they tell me after I contacted them that I can expect a refund check within 60 -90 days. This is usury. If I am even one day late in payment I get hit with interest and late payment fees yet they get to keep my money for up to 90 days! This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have a few XXXX credit card account 's with my wife, however, there is an individual past due XXXX account listed on my credit report, as an individual account. I have never had an individual account with XXXX. I have asked for copies of documents, to no avail. This is not my account.

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 status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My electricity bill with XXXX is set up for budget billing ( estimated yearly usage is averaged over 12 months ) this is being reported as a 'partial payment ' to Transunion . I opened an investigation with transunion whom reported the past 6 months as unpaid on my credit report. This is untrue as my bill is set up for automatic payments.

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 2015-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I feel like I am at a disadvantage against Ad Astra. I have explained my self in debth and requested they stop their aggressive and annoying methods of contacting me and yet they refuse to hear me out. This account should be deleted from my credit report. they are making me reach un realistic means to proof myself to them while i sit back and allow them to pretend that they are a legitimate business and that they care about the oidenty theft i endured. I have asked them to remove this account from my credit report, not so much because of their obviously ILLEGAL tactics of trying to obtain a debt from me, but because etches was not a loan that I EVER requested nor are there any items of proof or any evidence or ANY investigation for that matter. I am very offended and afraid of this company. They had been calling and calling my cell phone and home phone at all hours of the day and when I bought my concerns here to this portal they denied EVERYTHINg and claimed that it never happened and then they proceeded to pretend like they cared about me and the fraud that wa done to me and that they sent me numerous pamphlets and paperwork to followup and go to the police station and have NOTORIZED! Who are these people! I have to bend over backwards to prove myself? I ams so offended by these people, I am so afraid of these people. I have asked them in the past to leave me alone and they have not. Then they tried to act like they were good people when I brought my fears here to your CFPB portal. I think that they are fake and liars. I have read MANY traumatizing stories about this company and someone had blogged about coming to this portal and filing complaints and stopping the,. But they continue to send me voice messages. They even spoke to my mother and discussed the " debt that I was Scheuled to pay ''. I have NEVER schedule any payments with them. I am certain that this was not lawful. Most importantly, who is going to investigate their usage of robotic voice calling? I have relied those annoying calls. I WIL Not submit to these people. they expect me to go to hell and back to prove myself yet they can not follow the law themselves and prove anything back to me! All they have hurtfully done is repeatedly defended their " clients '' who ever that may be against me and I feel ABSOLUTELY HELPLESS AND HURT! What are my options? I will not deal with them anymore. They are deceitful and XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Company continues to refuse to send me information which validates that this is my debt that I signed for. They continue to mail me XXXX documents ' stating that there is a account, but no other information is provided. When I pointed this out and pushed for validation of debt, they ignored me blatantly and tried to get me to file a police report citing fraud and identity theft, ignoring my request for validation. They are ignoring my right to validate my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
A credit card XXXX XXXX Bank XXXX causing a negative rating is listed. This card belonged to my parents, XXXX XXXX and XXXX XXXX I did have an authorized user card to help them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a debt of {$1900.00} from a school loan that was paid off. Since then, it has been removed and placed back onto my account XXXX times now. Currently, it is showing as being owed. I DO NOT OWE THIS ANYMORE. My income tax was garnished and this was paid in full!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have reported to ALLY numerous times concerning false information. ALLY has failed to provide proof of the information they are reporting as a debt

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 — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion is adding a Personal Statement to my credit report with no supporting documentation, rationale or directive. 

1. Transunion - please provide your rational for adding the following statement to my report. 
" Statement added because consumer was a victim of true-name fraud : # XXXX # XXXX " 2. After you have provided the reasoning for adding this details, delete this unsupported document.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The credit reporting agency reinserted a previously deleted item. the item was not verified by the credit reporting agency. TransUnion inserted the account on XX/XX/2017. The original creditor is 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 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was checking my credit report and I saw a credit card from XXXX XXXX was opened in XXXX XXXX and I was n't in this country! I got to this country in XXXX XXXX XXXX and the credit report says that I have a balance of {$1200.00} and I have no idea about that credit card and I can prove the date I entered to this country

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has repeatedly reported that I was late on a mortgage payments to XXXX XXXX XXXX when they were not late payments BUT disputed payments due to multiple TILA violations. The loan transferred to XXXX during the dispute process and then to XXXX XXXX when the loan was successfully modified in XXXX XXXX. The loan was sent back to XXXX in XXXX and they now service the loan. I have repeatedly notified TransUnion to get this right. On XXXX XXXX, XXXX Transunion finally corrected my credit score to a proper XXXX. Inexplicably on XXXX/XXXX/XXXX they dropped it back to XXXX. My XXXX credit score remains correct at XXXX. I called TransUnion to inquire as what could have happened on XXXX for them to drop my score XXXX points. No explanation that was reasonable was given. I have no late payments nor have I opened any new accounts. So I asked what happened between XXXX and XXXX, no answer. I need your help to get the Transunion credit score restored back to the XXXX it was prior to XXXX. Faxing document

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
transunion began an investigation on XXXX bank XXXX on XXXX/XXXX/2016. 
BY FCRA REGULATION THE RESULTS OF THAT INVESTIGATION WAS TO BE COMPLETED BY XX/XX/XXXX2016.THE INVESTIGATION WAS COMPLETED ONE DAY LATER. 
TRANSUNION CAN NOT CHANGE THE LEGAL RESTRICTION OR PROTECTION AFFORDED ME BY FCRA.TRANSUNION HAS NO LEGAL CHOICE OTHER THAN TO IMMEDIATELY DELETE THIS 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 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have tried to go directly to the credit reporting agencies and they have simply ignored my request to correct all of the incorrect data. I am coming to you in hopes that you will be able to help me to get them to do what they should have done already. Please remove all incorrect information reporting on my credit report. The following accounts are reporting incorrect information : XXXX XXXX XXXX : XXXXWhat are the terms and past due amount?? My records do not show that I was late XX/XX/XXXX & XX/XX/2015. Show proof or delete. 

XXXX XXXX XXXX : XXXXWhat are the terms and past due amount?? My records do not show that I was late XX/XX/XXXX & XX/XX/2015. Show proof or delete. 

XXXX XXXX : XXXXWhat are the credit limit and past due amounts?? I was not late XXXX 2015. You are reporting improperly. Delete. 

XXXX : XXXXYou are reporting this negatively but you are n't showing any lates. Either report correctly or delete. 

Dept Ed/XXXX : XXXXWhat is the monthly payment and credit limit?? You are showing that I was current but the very next month 90 days late. Where is the 30 and 60 day lates? Either way ... this is past the statute of limitations!!! 

XXXX XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. Fix or delete. 

XXXX XXXX XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. Fix or delete. 

XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. There are XXXX of these ... delete the duplicate immediately. 

I would like them to fix or remove these items right away. I appreciate all of your help. Thank you for everything you do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
While deployed I attempted to make a larger than normal payment to a lender which resulted in my overpayment of what the lender was allowed to accept on a monthly basis. This resulted in my cancellation of recurring bank allotments to the lender under the impression that I had paid my account in full. The lender failed to notify me not only that I had over paid them but that they were charging me fees for the overpayment. This resulted in a 120 day delinquency being reported on my credit report. Once I returned from XXXX I received an email from an individual from the lending company that was assigned to identify the reasoning behind my large gap in payments after a previous perfect payment history. Once he informed me of what had occurred, I repaid the past due amount in full and the account was later closed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/15 XXXX XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 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 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Reflecting incorrect payment status. Have been on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation