vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Dispute with XXXX XXXX and XXXX credit bureaus

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: CO

Complaint narrative:
XXXX wireless illegally tacked on late fees to my phone bill even though I paid for the usage on time, every time. The original late fee occurred because XXXX 's website was not operating properly when I made a payment. From that point on, XXXX tacked on an additional late fee every month because I refused to pay the original late fee due to their website glitch. The total amount in late fees is {$110.00}. XXXX sold this alleged debt to XXXX XXXX XXXX. I have filed numerous disputes with the credit reporting agencies only to be told that XXXX XXXX XXXX says that I owe this money. The credit reporting agencies have no paper work or XXXX billing from XXXX showing that this is a legitimate and legal collection. They are simply taking XXXX 's word that this money is supposedly owed. This {$110.00} in late fees is not owed. I paid for the services used on time and will not pay these false late fees. This is extortion. In contacting XXXX, I get a big run around, and, ultimately, they will not remove this false collection from my credit report. Since when do collection agencies tell the credit reporting agencies how to manage credit reports? This first complaint is against TransUnion. Attached please find copies of the bills in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion and XXXX will not remove inaccurate information from credit file. Filed disputes twice to remove inaccurate information on XXXX Account, remarks reflect Chapter XXXX Bankrupcty, in which I did not file bankrucptcy and there is no public recording of bankruptcy. I paid the auto loan in full and obtained proof of ownership and pink slip from the lendor ( XXXX ) However they will not remove from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Student loan information entered twice ( same loan amount and acct number listed 2 times ) on list of owed liabilities on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I mailed the credit bureau in XXXX. It is now XXXX and they have not responded.

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 2016-10-05 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:
I am seeking validation from each creditor that has requested access to my credit report for as you put it " permissible purposes. '' I have contacted the creditors directly at your request and when the Customer Service Representative and supervisors was not able to pull up information on me, I requested a letter of Deletion as I was instructed by your agency to do. I was denied in my request since there was no actual account information on me. So I am curious as to how you were able to successfully validate this inquiries to be true and correct when the Credit Agencies could not. 
I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 
As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 
I am again requesting that you validate each inquiry reporting on my credit report as well as providing me the contact name, department, and phone or email address along with verifiable proof that they had " permissible purpose ' to request my information in witting. 
As already stated, the items you are reporting are inaccurate and incomplete, and is very serious error in reporting. 
Rather than admit nothing was done on their end, I receive a standard Brush Off answer that I 'm suppose to accept. I sent over a notarized letter indicating inquiries in questions which I have no knowledge nor provided authorization to obtain. These inquires are hurting my overall credit score and have been the reason for recent accounts denials. The information is inaccurate and unless they can provide me with proof of permissible purpose, I want those accounts 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 2016-02-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
This is the letter that I sent to ALLY Auto which describes the issue I sent in a Duty Change form to have my payments taken out of my account on the XXXX for each month. However, the form has not reached the Auto Department as or yet. This form was mailed 2weeks ago. In addition I was late paying my XXXX payment which was supposed to come out of my account on the XXXX instead of the XXXX. I was charged a late fee and paid the amount on the XXXX of the month a week later a payment was charged to my account even though I made the payment already which caused me to be charged a insufficient amount from my bank. I am requesting that this issue be looked into because my payment for XXXX is scheduled for XXXX/XXXX/16 even though I requested the XXXX of each month and I would like for a refund of the {$30.00} that I was charged from my bank due to your mistake. You can reach me at XXXXXXXXXXXX or XXXX. 

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 2017-02-06 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
The opened date for this alleged debt with Ad Astra Recovery is XXXX XXXX, 2012 - The Statute of Limitations for Texas is ( 4 ) years and their still attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, I have contacted the following to remove inaccurate information from my credit report. On the first XXXX the debt was paid in full to XXXX XXXX XXXX, these are duplicate accounts and should be removed no monies is owed on this account. 
XXXX XXXX XXXX {$220.00} NEEDS TO BE REMOVED ACCOUNT IS PAID XXXX {$220.00}. NEEDS TO BE REMOVED ACCOUNT IS PAID The second issue is the XXXX account that on my credit report. The account is over 10 years old and has been sold, resold removed and put back onto my report. These are third party collectors that are reporting inaccurate occurrences on my credit report. Such as past 30 days past 60 days ect. XXXX XXXX accounts are the same. 
The " {$780.00} '' was removed from my report and popped back on. This account is over XXXX old. I do n't understand how THIRD PART COLLECTION Agencies are taking on the roll as a creditor. The XXXX one is XXXX XXXX XXXX it 's the same account $ XXXX+ their fees= {$2000.00} XXXX {$780.00} REMOVE FROM CREDIT OLDER THAN TEN YEARS XXXX XXXX XXXX {$2000.00} ROMOVE FROM CREDIT OLDER THAN TEN YEARS THANK YOU FOR YOUR HELP IN THIS MATTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX has that I owe {$15000.00}. My car I got through them was stolen XXXX XXXX. And my insurance paid off the balance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion LLC is not providing a correct mailing address for credit report disputes. Transunion 's website lists the address as " XXXX, PA XXXX '' : https : //www.transunion.com/customer-support/faqs/credit-disputes The USPS has confirmed that this address does not exist. There is no other address listed to which credit disputes can be mailed. Transunion is intentionally providing consumers with a false address in order to delay or prevent credit report disputes.

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 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
For the past several months, I have been disputing several inaccuracies that are listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Transunion Account Name : XXXX XXXX Account Number : XXXX I was never late I send XXXX several letter about the issues no answer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MIDCOUNTRY FINANCIAL CORP
State: CA

Complaint narrative:
A problem happened with the allotment I had set up and it stopped, so I got behind in payments. They agreed to refinance so that I could get current but for the past XXXX years all the payments I have made have gone only to the interest. And they told me today that I am XXXX dollars behind and the total balance is XXXX. The total original amount was XXXX. When I requested a copy of my loan documents they refused to send them. When I tried to access the documents through their website the site only comes up with an error message and directs you to contact Pioneer via phone or email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is an alias on my credit report that I have never used. Someone had used my SSN to rent an apartment and then did not pay. The default went on my credit report back around 1990 or so and I had to contact an attorney to remove it since I was purchasing a house. I know see the alias is still on my credit reports.

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 2015-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Coastline Financial Resources, LLC
State: IL

Complaint narrative:
I got a call from XXXX. Saying they had to verify my address because some " legal documentation was being sent '' I did some research about this number, and I believe its a scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 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: NY

Complaint narrative:
In XXXX of 2015, I applied for a XXXX XXXX Bank credit card and I was denied due to the bureaus not providing a credit score. Based on XXXX XXXX Bank criteria, certain information to make a determination for approval for credit was not available to them to make a decision. This decision has hurt my credit tremendously. Attached are relevant documents for this bureau to review and update their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be removed. 
XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-02-14 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:
The credit information provided does match up with my personal information also i have previous knowledge of the inappropriate information on my credit report. Would like resolve this matter so it will no longer affect my scores in the near future thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion had glitch in their system that violated the rights of their consumers under section XXXX As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting all inquiries 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 2015-10-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On or around XXXX XXXX i thought the illegal deceptive website XXXX listed itself under a paradim, deceptive fraud pitch that its free or Only {$1.00} for a free report, but after the data was taken, from Me ( idtheftvictim ) _then i was rushed with a ( " you_owe_bill ) XXXX $ but i didnt order, knowingly consent, agree, ,to the Charges or the setup basically, it was XXXX, purported, transunion was the free creditscore/report, then came a last min quick bill, with auto sales fake dealers whom had to give, share, sell my data, social to all or, and each other illegally now, after calling. speaking to XXXX. XXXX then to XXXX badge number # XXXX he solicitated nonstop for my social security number full address, idcredit card number, etc, as first Operator basically after solicitating for all sensitive sacred data, he said '' until u give To confirm the order info ( they falsified order numbers ( XXXX ) of XXXX dollar but that 's Not what they took from my XXXX card {$36.00} &, change overage fees, this company took advantage of me too as XXXX on computer in goodfaith, trying to get credit score.only foreignor. Hispsnics answering.very mean abusive. XXXX California. Lets shut emdown

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX 2015, I disputed unauthorized inquiries with Transunion. I never received a response. When I called they said I needed to call the creditor and that I did not provide evidence so they will not investigate. My issue is some companies numbers are out of service and other companies told me to dispute it with the credit agency and they will respond to the credit agency to have it corrected. The problem is this is damaging my credit worthiness and if it is inaccurate why is it allowed to stay there. They refuse to investigate inquiries even though the companies told me that they do not have a record of my applying for credit. This is an unfair practice creating damage to my life and the children I care for, when something that I am alleging is wrong will not be investigated. I believe if I request an investigation then they should be required to investigate as it is damaging my credit that I am in the process of repairing. If this is how consumers are to be treated then before something goes on my credit, I should be notified and have it taken care of right then and not later that causes the Trans union refuses. This is the only company out of the XXXX companies that does this. Is this not illegal, is this a fair practice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have been working since XX/XX/XXXX for XXXX XXXX XXXX. My.credit report states that.I Have not worked since 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 non-monetary relief
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Transunion is Double reporting a collection 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 non-monetary relief
Consumer complaint received 2016-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had a collection removed in XXXX 2015 and now it is back on the credit report-yes I did called and the lady said that it was just taken off earlier than it was suppose to I am asking is that legal also I have disputed the collection 3 or 4 times because I have never lived in the apartments so do I have to wait another 7 years to be taken off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 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:
For the entire year of 2016, I have been working with the credit company to resolve several issues on my credit report. The main issue is a bankruptcy I requested proof of validation, the credit company did not answer my complaint or directly respond to verification of the bankruptcy. I wrote the U.S. Bankruptcy court in South Carolina asking for proof that the credit reporting agency contacted them to verify validity of the bankruptcy. I have attached a letter from the clerk of court saying they do not answer request for info or send it out to credit companies. Since the credit company failed to answer my complaint within the time alloted by law, I asked for it to be removed from my credit file and any other accounts that are listed as a part of the bankruptcy.I have several documents I have maintained throughout this process, they are to numerous to send by e-mail, but if requested, I will gladly mail you all copies.

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