vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I filed a dispute with TransUnion regarding an unknown account appearing on my credit report. I recently received the results of TransUnion 's investigation stating that the account is still listed under " Adverse Accounts '' on my credit report. Today, I called the creditor, and they have no record of my social security number in their system. Obviously, this account does not belong to me, and yet TransUnion has failed to remove it from my report. Moreover, TransUnion states that this " Adverse Account '' will not be removed from my report for seven years! 

This is not the first problem I have experienced with TransUnion. TransUnion also made reporting errors against my social security number on two other occasions : ( 1 ) 6 years ago, TransUnion listed an unknown-to-me individual as an additional name on my report. That report included not only a name, but also a full address and at least 3 adverse accounts. I disputed the report, and the information was removed. I thought the matter was closed. 
( 2 XXXX Last fall, TransUnion again allowed an adverse account listing to be placed against me. This was due to the SAME unknown-to-me individual as in ( XXXX ). Because of that error, I began receiving robotcall from a collections agency. Since I have been flooded with so many other robotcalls coming to my phone, I initially thought it was a scam. 

As a result of error ( XXXX ), I pulled my credit report, and I discovered incorrect phone numbers and the same incorrect address from ( XXXX ) were again listed on my credit report, so I went to the police. They concluded that it was a clerical error, and they said that someone had transposed the middle two digits of another person 's SS #, causing the mixup. 

I have no idea why or how this latest " Adverse Account '' was opened, and the irony is that it was opened two days after I put a fraud alert on my credit. ( That obviously did not help. ) I am at a loss for why TransUnion has made so many mistakes and I do not understand why this latest investigation was labeled " complete '', when the creditor does not even have my social security number in their system. 

This is completely unacceptable. TransUnion appears to have no clear process of identifying errors such as these. Their clerical issues have adversely affected my productivity, and I have spent untold hours trying to get resolution. There is zero protection to the consumer. 

TransUnion 's most recent letter states that I " may add a XXXX statement '' to my report. This is unacceptable. The adverse account that does not belong to me should be removed. I have not received a fair resolution. 

Thank you for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have NEVER been XXXX XXXX XXXX, XXXX XXXX and have never lived at XXXX, ( NEVER and apartment number, this is a house ) orXXXX XXXX ( House no Apt number ) orXXXX XXXX XXXX ( This belonged to my EX husband ) orXXXX XXXX ( This belonged to my EX husband ) I never worked for XXXX or XXXX ( My EX worked there )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Released tax lien from XX/XX/XXXX filed XX/XX/XXXX and released XX/XX/XXXX and XXXX file XX/XX/XXXX and released XX/XX/XXXX. I relocated out of the XXXX on XX/XX/XXXX and I relocated to XXXX. According, to the Taxpayer Rights Handbook available on the State of XXXX Website, as a resident and taxpayer, I was entitled to specific notifications prior to the state of XXXX placing a tax lien on me. I did not receive proper notification. I did n't receive any notifications at my XXXX address. If I had received the proper notifications a tax lien would have never been issued. I was made aware of the liens via credit application in XX/XX/XXXX in the State of XXXX and immediately addressed the liens. I am requesting removal of the liens from all XXXX credit reporting agencies. I have disputed multiple times and each time XXXX, XXXX, and TransUnion states " the lien has been verified '' but the State of XXXX states " they do not report to any credit reporting agencies.

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 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I have a Public Collection on my credit report that has been satisfied and closed years ago. I have disputed this several times, but the credit reporting agencies ( XXXX, XXXX, and Trans Union ) but the will not remove it stating it is accurate. 

The Lien is incorrect, I have searched the Georgia Department of Revenue delinquent taxes and I am not on this list. Please attached screenshots. 

Any assistance would be much appreciated. 

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 2016-01-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XXXX 2015 my Target REDcard store credit card was declined at a Target store. It turned out that I had missed my XXXX 2015 payment by accident because I never received my bill. Once I learned this I immediately paid my bill in full ( posted XXXX XXXX, 2015 ). When I went online to pay the bill, I saw a message that Target was " actively collecting a debt. '' ( Yes, after only missing XXXX payment. ) In XX/XX/XXXX ( after I had paid my debt in full ) I began receiving messages on my cell phone from " XXXX XXXX '' XXXX stating that they were " trying to collect a debt. '' I 've received four such messages since then, including today ( over two months since paying the debt in full ) and the messages sound like robocalls and are very generic ( not stating my name or the name of the merchant they are calling on behalf of ). I do not currently owe debt to Target or to anyone else. I pay my accounts in full and on time. " XXXX XXXX '' is therefore making continued attempts to collect debt I do not owe. I have not returned their calls because of this fact and I would like their calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally financial continues to call my home and cell phone number to collect a debt from someone who is not a member of my household. This frequent and repeated calls happens multiple times a day despite me telling them that I do not know where this person is or how to find them. I tell the representatives of this company not to call me again but they continue to do so even though I have no information to provide them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRSTBANK
State: OK

Complaint narrative:
To Whom it may concern, On XX/XX/2016 I went into my First Bank to see if my money was pending, like I always do. Yes, it was pending, I waited till the first when the funds would be available, to pay my bills like always. The money was there like my ex husband and I agreed upon, for the child support. I paid my bills, on the XX/XX/XXXX, I was sitting in the parking lot of the library with my daughter, looked at my gas tank ( which was on E ) checked my bank account. ( It was XX/XX/XXXX on a Friday at XXXX. ) I looked at my bank account on my phone, the amount was XXXX as I sat there starching my head, I said to my self, " This has to be wrong! '' I logged out, logged back in again and said the same thing!! I called the bank, the representative checked all my information, kinda sounding nervous, put me on hold and got back to me, saying, " That he, ( my ex-husband, who is NOT affiliated with First Bank in anyway shape or form ) went into my account and said, " There is a check in my name XXXX into her account and I want it back! '' And the bank gave it back to him!! I feel sooo invaded, First bank did n't call me to even let me know that this happened, just let him go into my out personal account and let him take away all of my child support money and our children 's XXXX money. I was unable to pay my bills, I had to ask XXXX, to help us keep the utilities on. I was unable to pay my mortgage, again for the second time!! The First Bank manager wanted to see a copy of my divorce decree, which I brought over to them on the next day Saturday XX/XX/XXXX. How can this happen? I have been doing this transaction of {$2100.00} for months, with this bank. I spoke with the vice president of the First Bank, and basically that conversation went no where. How can this happen, how can alll of these people get away with taking my children 's child support away from them?!?. 
Police report # XXXX call XXXX for the police reports there are 9 of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.

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 2016-08-04 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:
TransUnion was notified by XXXX and by myself that I am a victim of fraud.Police report was submitted and reviewed which mentioned that I am a victim. TransUnion failed to delete the XXXX # XXXX. TransUnion is aware that address XXXX, XXXX FL XXXX was fraudulently used to open 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 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I called transunion and tried to get them to delete inquiry 's that they deleted and put back on without giving me notice.

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 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX account is a charge-off and information was SOLD to someone else.

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 2017-01-10 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:
An account with " XXXX XXXX '' was opened in my name for {$300.00}. I did not open this account. I reported fraudulent activity to my bank when noticing money deducted from my account. Third party now put me in collections although it was identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complain because XXXX has ignored my request to provide me with the documents that their company has on file that was used yo verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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:
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 

XXXX XX/XX/2015 Banking XXXX XX/XX/2015 Banking XXXX XX/XX/2015 Banking I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run 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 explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXX I RECEIVED A COPY OF MY CREDIT REPORT FROM TRANS UNION DATED XX/XX/XXXX WHICH IS ATTACHED. I DISCOVERED NUMEROUS ACCOUNT REVIEW MADE BY XXXX FROM XXXX XXXX XXXX. XXXX INQUIRIES WERE MADE XX/XX/XXXX, XXXX INQUIRY EACH MONTH PRECEDING XX/XX/XXXX. I WAS TOLD BY THAT NOTHING COULD BE DONE ABOUT THESE INQUIRIES SINCE I HAD AN ACCOUNT WITH THEM WHICH IS AND WAS NOT TRUE. I EXPLAIN TO TRANS UNION THAT I DID N'T HAVE ANY BUSINESS WITH AND AGENCY AND THEREFORE THEY HAD NO VALID NEED OF MY CREDIT INFORMATION OR ACCESS TO MY CREDIT FILE.I AM APPEALING TO YOU STOP THIS PRACTICE AND ENFORCE THE FAIR CREDIT REPORTING ACT. I HAVE HAD SIMILAR PROBLEMS BEFORE AND THE XXXX RESPONSE WAS " WE CA N'T MAKE THEM RESPOND TO US. '' THEREFORE NOTHING WAS DONE TO PROTECT MY RIGHTS BY THIS STATE AGENCY, THIS WAS DONE XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ERC
State: MD

Complaint narrative:
Gradated undergrad in 2007, into the recession. Could not find a stable good paying job to keep up with my private loans. My private loans where sold to XXXX in which XXXX sold them to another collection agency. I was contacted by ERC in an attempt to collect the debt, and they wanted to settle for what was the balance of my all my private loans at XXXX. I agree and borrowed more money to pay the debt that was agreed for XXXX, but ERC Lied and allocated the funds to other accounts that were NOT discussed and changed the parameters of the settlement without notifying me prior. It was only after I had paid them, that they sent a cryptic letter saying what account the funds had really been allocated too, thus furthering ruining my credit score and lying. IS THIS LEGAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
unauthorized inquiry on credit reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft. I submitted my identity theft packet to TransUnion and they have refused to block fraudulent information from reporting on my credit report. I submitted a police report indicating the fraudulent accounts and proof of my identity. Additionally, I sent a letter requesting that they block the fraudulent information pursuant to the Fair Credit Reporting Act, Section 605B. Instead, TransUnion has chosen to not comply with the FCRA and rather opened disputes. As a victim of identity theft my personal information has been compromised and a dispute would return my name, address, dob and social security number. This is further listed in the police report that I provided to TransUnion. TransUnion has willfully decided not to comply and is in violation of the Fair Credit Reporting Act.

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 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am part of the many Americans that grew up in the middle class. My parents made enough to pay their bills but not enough to pay for all XXXX kids to go to school. Because they were middle class, I did n't qualify for federal loans, therefore private loans it was. 

I began my career immediately after graduating from college, but unfortunately a year later the position was eliminated due to budget cuts. I immediately called XXXX XXXX/Navient to discuss an income based repayment option. They told me that income based repayment was not available to me due to having private loans and my only option was forbearance. They made me pay {$150.00} to put my loans into forbearance. I had no other option so that 's what I did. The forbearance only lasted 3 months and despite attempting to lower my payment after that 3 months, Navient continued to refuse. At that time, I was making XXXX a year and paying over {$500.00} a month for my Navient student loans. That does n't include my federal loans from another institution. To this day, I make less than XXXX a year and still pay almost {$500.00} a month in loans. The only way I am making ends meet is because I married a man who helps me make sure I make those payments. 

The fact that Navient is not flexible with their customers and has had no repercussions for their actions is sickening. Many people are struggling to pay these loans back and they do n't care because they continue to get their money. Loan forgiveness would be awesome, but we all know that is n't possible. I 'm not asking for the XXXX ... I 'm asking to be able to go out on a Friday night with friends and not have to worry about not having the extra spending money due to having extremely high student loan debt. 

Between my husband and I, we pay {$2000.00} a month in student loans. {$2000.00} a month. Could you imagine if we were able to put that money back into the economy? Could you imagine if other Americans in the same situation could put their money back into the economy as well? 

There needs to be consequences for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK
State: TX

Complaint narrative:
I am writing this letter to file a formal complaint against Gateway One Lending & Finance. On XX/XX/XXXX I purchased a car using XXXX. The contract was quickly assigned to Gateway One Lending. On XX/XX/XXXX I had a car wreck. My car was immediately taken to XXXX. The repair bid is attached. The insurance carrier and Gateway had a conversation regarding my car being totaled. But upon the insurance carrier speaking to me, I was told the car would be repaired. On XX/XX/XXXX I spoke to XXXX at Gateway. He informed me that it did n't matter if the car could be repaired, that Gateway does not finance totaled cars. I immediately went out to purchase a new car. See attached sales contract. My wrecked car was still in the shop being repaired and was completed. The insurance company paid for the vehicle. Gateway was informed. They later came to pick up the car and sent me letters stating I was liable for the difference. See attached letters. 
I am a person who pays her bills. I have excellent credit reflecting that I pay my debt. I stopped paying this car only after I was told they would no longer finance my car. 
At this point I have been dealing with this matter for a year. I am not asking for any emotional or financial damages. I only want the item removed from my credit report. 
I hope you can assist me in this matter. I am trying to avoid filing a law suit against Gateway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation