vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-15 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:
Credit Bureau reporting incorrect information on my credit bureau. I requested the information to be removed. The XXXX collection accounts are XXXX and 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 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a credit card that does not show on my Trains Union report. How do I get credit card on 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 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
filed dispute notifying Transunion that payment with XXXX XXXX XXXX XXXX has never been paid late. also advised them that information was previously corrected and updated to show no late payment ; faxed documentation to Transunion to as proof that payments were not late ; Transunion in turn responded that information was updated, but late payments remain ; I 've called Transunion repeatedly only to be hung up on

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The credit bureau did not give me a proper investigation in accordance with the FCRA. I asked them to send me the names of the individuals they contacted for verification, along with their addresses and phone numbers so that I can follow up with them. Had to remind them that they have 15 days to comply with the law by providing the requested information in compliance with FCRA, Section 611, part B, subsection ( iii ). Still no complete investigation. I asked them to verify the following questions which I have the right to : 1XXXX Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXXcollection agency collected from me a debt for XXXX, amt {$390.00} on XXXX/XXXX/2010 & reported to Transunion, Paid on XX/XX/XXXX.2010. Yet it is still reporting delinquent by Transunion for XXXX years. That has effected my credit in a bad way. 
Please correct. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 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:
On XXXX/XXXX/2015 I disputed an inquiry on my credit report directly with XXXX via certified mail. The letter was received, but there has been no response. Please remove this item from my credit report immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Coastline Financial Resources, LLC
State: GA

Complaint narrative:
I received a voicemail from a lady in reference to a legal matter for someone that is not me. She left a voicemail about a process server and a number to the client she was calling for stating they were trying to serve this person whom does not and has never resided with me. I called the client Coastline and Associates known as C & A number and spoke with someone and he became very irate when I asked him to remove my number from their call list stating they were trying to reach this person and it was not me. I explained I am not that person and he continued to ask if I knew her and I told him it did n't matter if I did or did n't and not to call my home. They skip traced and located my number as someone who is somehow connected to this individual. According to FDCPA they are not to contact others but once about trying to locate an individual. When I asked them to not call my home or contact me he became irate stating they should not have given my number out. I know they had no way of giving my number because they do not have my number. My number is a new number. This man harassed me and badgered me even cursed me so I cursed back. I do not appreciate being called about anyone debt and would like this company to cease all calls to me in relation to anyone I may or may not know or be related to. I researched and found they are scamming on old accounts that are all over 12 years old. It is in most cases it is past the statue of limitations to contact someone about a bill that has fallen off their credit for over 7 years or that was discharged in a bankruptcy case. If I continue to receive calls I will file a lawsuit against them. I will also contact the attorney general office on this company. I am not the person they are looking for therefore I should not be harassed or called. And frankly if they are contacting a person for a debt well over the statue of limitations they should cease and desist all contact with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been unable to access any of TransUnion 's services, dispute any information, or place a freeze on my file due to the fact that my current address is not on file with them. I have sent the multiple forms of documentation on multiple occasions. Some of which I received no response to, other times I received requests for the same information I had just provided them. Most recently I sent them a notorized letter certified mail ( so that they could not ignore it ) with the requested documentation attached. I mailed the attached letter on XXXX/XXXX/15 and received an attached return receipt indicating that they received my letter on XXXX/XXXX/15. In response ( although with all our correspondence it has become difficult to track which letter is in response to which letter ) I received the attached letter stating that XXXX or more of the documents that I provided them was illegible. I have attempted to call the phone number on the letter to verify my address through that method on multiple occasions, but they are " unable to retrieve the identity verification questions at this time '' every time I call them. I have grown tired of this endless back and forth with TransUnion and the expense of photocopy fees, postage, notary fees, etc. Both XXXX and XXXX were able to update my address with relatively little hassle on my part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit report has been shared with car loan company by the name of XXXX which I never applied for this has to be a mistake

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I am unable to access any of my bank accounts or money for the past XXXX hours at Ally bank due to them taking their systems down for unscheduled extended maintenance. The bank does not have an estimated time for their systems to be fixed and can not make my money available for withdrawal via an ATM, leaving me without access to any of my money.

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 2016-07-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: NY

Complaint narrative:
I am currently on a long term modification with AES that is the servicer of the loan that was taken out by XXXX/NCT. I am currently paying all my payments on time and in full and CAN MAKE THESE PAYMENTS. I called AES today because the payments are increasing. I told them these payments are to high and I can not make them and they told me they can not do anything to help me. I do n't know why they will not help there clients! I am willing to work with them and I advised them they will be going to default becasue I can not make more payments. They advised me I can not contact XXXX becasue AES has been contracted now and they do not service them. I need help with repayment and there has to be another way to lower these payments or keep them the way they are. My credit score from these loans is already affecting me and can not consolidate or do anything. This is really un-fair that they are doing these to me when I want to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Had fraudulent charges made on card. Disputed with bank, and they have removed charges. Account balance now XXXX, but still being reported overdue with an outstanding balance by Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Ally bank and XXXX XXXX overcharged me on my interest rate because of me being XXXX and having a decent credit score and made me to believe that was the only interest rate that was available 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 2015-05-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Integrity Solution Services, Inc.
State: TX

Complaint narrative:
I have no ideal who this is and why are they causing harm to me. It says it is XXXX XXXX XXXX.

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

Complaint narrative:
While checking my personal credit report, I noticed an Employers listed as XXXX and XXXX on TransUnion credit report. I have never been employed by these companies. I am requesting that TransUnion immediately remove the unknown names of Employers listed on my credit report. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to correctly identify me in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is my third formal complaint, 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 and XXXX XXXX Credit Card and XXXX be removed as this we 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 . 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.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent the notice of Lien Withdrawal to all XXXX credit bureaus. XXXX and XXXX promptly removed the public report promptly. Transunion mailed me a letter that stated that the item was verified and would not be removed. I then sent another request and recieved the same response. I would like the credit bureau to report accurate information and remove this vacated lien.

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 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion 's database has my social security number linked to another persons name. This was confirmed from XXXX who is XXXX of the creditors denying me credit because they already have me with a credit card through them when in fact that it is n't me. I have contacted TransUnion and was told that all their information on my credit report is correct. Which in fact my credit report is correct it is their database that is incorrect and they refuse to fix it. They refused to give me phone numbers or other contacts in their company so this can be rectified.

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 2017-03-30 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: GA

Complaint narrative:
My credit score has dropped XXXX points since XX/XX/2017 to date, however the credit monitoring service nor XXXX, Transunion or XXXX credit bureaus can provide an explanation of the factors that influenced such a significant change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
When I ordered my credit report history in XX/XX/XXXX, I noticed a delinquent account that I have never had opened. So I contacted the XXXX company and they did a investigation and found out it is a fraudulent issue. So they said they will close the account and report it to credit bureau. Well XX/XX/XXXX comes around and I wanted to buy a house and XXXX is still on my credit history. I did receive this letter that i attached. I would like it, if someone could possibility of removing this from my credit history. It is becoming a nightmare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
BYL collection services XXXX XXXX PA, XXXX XXXX Account # XXXX no contract or no signature

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 2016-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mark A. Kirkorsky, PC
State: VA

Complaint narrative:
This person MARK A KIRKKORSKY PC Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX has repeatedly hard inquired my credit report without my authorization. Has continuously sent me threatening letters and has continually harassed me about a debt that was n't even mine. I have never given this person permission to pull my credit report nor have I ever given him my social security number. He can not show any signed account agreement to me of any type whatsoever and I have told him repeatedly that I do not owe this money to him or anyone else. And i wish to file a complaint on the grounds that he is using illegal tactics to collect a debt from me which I do not owe. I never opened any account with this fleet response company or united rentals. He has not given me any documentation showing otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The collection agency is reporting a open judgement on a credit card ( XXXX XXXX ) The account in question has been settled in a chapterXXXX that was discharged in XXXX 2014. I have since obtained XXXX XXXX cards and know for a fact that if it was n't paid I would n't have XXXX cards now. I think information should be updated like it is on my other credit report but silly me. In the times of all this computing power it should be instantaneous but they make hardships on people who have it bad enough reporting old or outdated information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Terrill Outsourcing Group
State: NY

Complaint narrative:
I was contacted by a company named XXXX by a man named XXXX XXXX and subsequently by a man named XXXX stating that I owed them {$1400.00} from an emergency room visit that occurred on XXXX/XXXX/2015. I asked them to give me whatever information that they had so that I could verify their information with my records and the hospital, if necessary. They were verbally combative and insulting to me when all I wanted was to be able to verify the details of their claim. Subsequently, I was able to locate the benefits document from my insurance company that shows that I never owed the debt. This was a debt that was purchased from another company which was, presumably, purchased from the hospital where I had the emergency room visit. My insurance benefits document indicates that the charge in question was an 'Ineligible charge ' that the doctor who made was prevented from making through agreement with my insurance company. I am absolutely convinced that this was a cheap tactic by the doctor, the hospital, and every debt collection company that bought the debt to try to get me to pay for something that I was never responsible for paying, and, had I not resisted their strong-arm tactics, I might have agreed that I owed the debt ( which I do not ). I do n't believe that it was necessary for the employees of Superlative RM to speak to me in the manner in which they did -- especially since I do not ( nor have I ever ) been responsible for the amount that they say I was.

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: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Someone initially started using first name and social to obtain medical treatment. In the late 2011 's I had my identification including social card, insurance card for medical, and car and driver 's license stolen. When I saw the damage this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors and credit bureaus initiated several disputes with XXXX, XXXX, and XXXX over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate we 're in. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Companies like national credit systems are one in the same but neither one can really help I think me and millions of americans are being lied to by the credit reporting agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation