vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-24 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 noticed a debt collection on my Transunion credit report that was inaccurate. I disputed it and the following day I received a call from debt collector. When I questioned the debt, he became rude and disrespectful. He also used offensive language and threatened me. After speaking with debt collector I called original creditor to validate debt and they had no record of debt. I faxed the debt collector a validation letter and received a call from debt collector saying my 30 days were up. I never received any letter or call before I disputed debt. The dispute came back as VERIFIED, NO CHANGE. I called Transunion to question the results and I was told to dispute it again. Once again I received threatening calls from debt collector. After a couple of weeks I received result of dispute and once again it stated VERIFIED, NO CHANGE. Next I wrote Transunion stating " Under the provisions of the 1977 Federal Fair Credit Reporting Act, I hereby request that your agency prove to me in writing the accuracy of the reporting of this account. Under the terms of the Act and succeeding court cases, you have thirty days to prove to me the accuracy or you must remove the account from my Credit Report '' via certified mail. Soon after I received another threatening call from debt collector and same results from Transunion " VERFIED, NO CHANGE. This is FRAUD and needs to be removed from my credit report. My credit score has lowered and I have been trying really hard to have excellent 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 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Trans Union Consumer Solutions XXXX, PA XXXX ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) as well as FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers - Information Available to Victims XXXX ( XXXX ) ( XXXX ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate. 
2. ACCOUT NAME : XXXX ACC BAL : {$100000.00} This account was charged off listed with wrong balance please delete error 3. ACCOUNT NAME : XXXX ACC. BAL {$1700.00} no proof of contract collection trans error please delete. 
4. ACCOUNT NAME : XXXX ACC BAL : {$73.00} I have never done business with this company error please delete.

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 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
My mortgage was sold to XXXX. XXXX failed to pay the real estate taxes. Every transaction in the escrow account is incorrect. When they did pay the real estate taxes late, they paid them XXXX, putting the escrow account in a deficit. I notified them in XXXX I would take responsibility for the taxes and insurance. In XXXX I paid the real estate taxes and in XXXX I paid the home owners insurance. My escrow statement reflects that XXXX paid the taxes in XXXX, but XXXX County only received my payment. I provided XXXX a binder on the home owner 's insurance with proof of payment and they went ahead and made a payment, which has been returned to them. 

By diverting the funds, they owe me money, but they are reporting me delinquent to the credit reporting agencies. I have submitted copies of cancelled checks and the agencies tell me that is not enough documentation. They say they have to report what XXXX tells them. XXXX has mishandled my money which has dropped my FICO score from XXXX to XXXX. I have no other blemishes 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 2016-03-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XXXX and XXXX I requested a copy of my credit files from each of the bureaus so that I could check my credit after an issue was brought to light by the IRS concerning a judgment which is a result of Identity theft. On checking my reports I noticed that there is a vehicle loan with a company called Ally Financial which is in default and that i am not familiar with. I need to validate this account. Please ask the company to forward via CFPB all verification documents used to open this account ; signed contractual agreement ; and Identification used to authenticate the account holder so that i can verify this 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 2016-11-18 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 refuses to help 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 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am trying to get a state tax lien off of my credit report, it is already paid off and satisfied and is preventing me from getting loans and credit in my name.

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 2016-10-19 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:
My Trans Union credit report has an account on my report that is mine. The company reporting on my report is XXXX, and a collection agency, XXXX XXXX, referring to the same account. Neither of these accounts are mine, and I have no knowledge of these accounts nor do I reside at XXXX XXXX XXXX XXXX XXXX, TX XXXX. I have never resided at this address nor have I ever received mail at this address. I am requesting that any and all accounts associated with the above address, as well as these named accounts. I have asked numerous times for validation with my signature with no word from anyone, and all XXXX credit bureaus have said that they were already investigated and they were not going to keep investigating these accounts. Please do the right thing and delete these accounts from my report, as well as any and all accounts associated with the above address.

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 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit report from TransUnion states my SSN begins with XXXX not a XXXX. I have submitted a dispute and the only thing to come of the dispute was that TransUnion keeps sending me the credit report over and over.

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 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX Charge Off reporting incorrectly. 
I contacted XXXX and they were not able to provide information regarding this Charge off Account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I monitor my credit report frequently because I 'm trying to buy a house with my fiance. A week or more ago all of my inquiries from Transunion inquiries were removed then readded without a 5 day notice which I know is against the law. I have tried to call Transunion directly but no luck. If this matter get be resolved I would greatly appreciate it.

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 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion shows my closed account with XXXX XXXX Bank ( Opened XX/XX/XXXX-Closed XX/XX/XXXX ) as still having a current past due amount of {$65000.00} and a current amount owed of {$160000.00}. This debt was part of the Chapter XXXX Bankruptcy we went through. It does show at Transunion to be charged off as bad debt but for some reason it still shows as a current liability of mine as well as past due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I tried to get a copy of my credit report on-line at annualcreditreport.com but it would not let me. I mailed in a paper request to Transunion with the required documentation. They never responded and I never got a copy of my report. I also wrote to them in XX/XX/2016 to ask them to put a fraud alert on my account. I never received a response.

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 2016-10-24 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 the consumers under section 6.11. As a result I, have been gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that all inquires be removed. 

XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX ) 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 2016-04-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Late payment when it was submitted. Unfair I made the payment on time they did n't pay it on time.

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 2016-10-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report from TransUnion lists my name ( XXXX XXXX XXXX ) and a name that I have never used : XXXX XXXX. The name XXXX XXXX first started being used by collection agencies calling me about 12 years ago. I was never told what company had employed the collection agency, but the name was passed around to differenct agencies, and I always said I have never been nor am I now XXXX XXXX. The calls have stopped, but her name appears on TransUnion report. XXXX has XXXX addresses which were never my address : XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX, NY XXXX. I believe these addresses may have belonged to XXXX XXXX. Please remover the name XXXX XXXX and the XXXX incorrect addresses from 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 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: FL

Complaint narrative:
Numerous attempts to remove XXXX, FL XXXX from my credit report.

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 2016-04-11 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:
Credit bureau refuses to remove fraudulent information after receiving a FTC Fraud Affidavit.

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 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a gym membership that I cancelled within the time limits and they are reporting that I owe them money and are reporting me negatively. This is from 2006 and it was closed. They are reporting on Transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is listing account from XXXX XXXX XXXX XXXX which is more than 8 years old since the last delinquincy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 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:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible. And with another note the Telephone number and address of the account is incorrect those not exist there none information at all from this corporation. 

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 2015-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There is no record on my credit report that I have been making mortgage payments to XXXX XXXX for the past four years. The last payment listed in my credit report is XX/XX/XXXX. In fact, my payments are up to date as of XXXX, XXXX. Additionally, I should add that my mortgage payments were not affected by my XX/XX/XXXX bankruptcy agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am doing XXXX complaints to each bureau because I have disputed many times the account XXXX XXXX. This account from years ago is not mine and all I ask is for it to be deleted off of my credit report. A similar credit card by the same company was issued in my name as well but I did get that one disputed back in 2008. So please delete this one as well as it is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 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:
My name is XXXX XXXX XXXX. Under the FCRA Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies must provide a copy of the verifiable original creditor documentation if it is requested by you the consumer. TRANSUNION can not provide verification to me because I have not authorized any creditors to share my information. According to section 609 ( a ) ( 1 ) ( A ), in the FCRA all CRA 's must show proof of all reporting accounts on my credit report in the form of a physical contract document per my written request to do so - the account is classified as UNVERIFIED and under the FCRA - all UNVERIFIED accounts MUST BE DELETED. THIS ACCOUNT IS NOT MINE but whether the account is correct or not - makes no difference. If the CRA can not provide you physical verification of the account - it is an UNVERIFIED account and MUST BE DELETED. They are reporting information to my credit report in violation of section 609 of the Fair Crediting Reporting Act. They are also sharing UNVERIFIED information with creditors and potential creditors without being in compliance with the FCRA passed by congress. THEY ARE BREAKING THE LAW! I want all UNVERIFIED ACCOUNTS removed from my credit whether they are valid or not IMMEDIATELY from my credit profile!! TRANSUNION IS IN VIOLATION OF MY CONSUMER RIGHTS AND I WOULD LIKE THIS CORRECTED IMMEDIATELY. PLEASE CONTACT THEM AND HAVE THEM CORRECT THIS

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 2015-07-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Good afternoon. I have reviewed a copy of my XXXX credit report dated XXXX/XXXX/15. Ally financial is still listed in the " Negative '' accounts section due to stating the following " Discharged through Bankruptcy ''. This is absolutely incorrect. Also, an Ally credit reporting representative called to tell me that the vehicles were included in the bankruptcy and were turned in. The vehicle loans were NOT part of the bankruptcy. If this were the case, I would not have been able to trade in the vehicles and the loans would not have been paid in full .... Page 32 of the attached document shows that Ally / GMAC was reaffirmed and exempt from bankruptcy. 
It is unethical for this company to continue reporting incorrectly. 
I am having a similar issue with XXXX XXXX and XXXX XXXX. However, they are only reporting that I filed " Petition for Chapter XXXX Bankruptcy ''. This is true, but NO student loans were included in the bankruptcy. Therefore, should not be reported under " Negative Accounts '' Thank you for your immediate assistance, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
my credit report shows the wrong name under my social security number

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 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 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 : 1. XXXX 2. XXXX 3. XXXX However I do believe I was a part of the Transunion glitch and would like all inquires 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