vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XXXX XXXX, 2015, I contacted the toll-free number for TransUnion Online Personal Credit Service to complain that the service was merely a front to sell me more products and did not provide me with a credit report as advertised when I signed up. The number XXXX was answered by someone CLEARLY not in the US. The Operator refused to tell me where they were located and when I asked to be transferred to a call center in the US, was told I would need to provide all of my personal info. I will not provide that info to an off-shore service. 

After XXXX calls and XXXX VERY RUDE refusals, I have decided to take this route in hopes of having people understand this joke of a service. I want this service cancelled, any money charged me returned and people warned as to what a clear waste of time this product pushing service is for the average consumer. 

How can the division of TransUnion that provides credit reports through the mail transfer me to a US call center, but another division so thoroughly waste my time and degrade what little reputation your company already has '' Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 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:
I took out a 60 month car loan in XXXX from California XXXX XXXX. In XXXX I had to return the car and it was charged off in XXXX. I contacted the legal department at XXXX XXXX and they said they have not been in communication with TransUnion. TransUnion has active dates on this account from XXXX thru XXXX. It 's been almost twelve years since the account was charged off but TransUnion is continuing to keep this bad mark on my credit report until XXXX. When reviewing the dates and knowing there is a 7 year maximum on bad credit marks on a report, none of this makes any sense. XXXX do not have this negative information on their reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
The issue I was not notified in writing of this debt dated XXXX/XXXX/2013 until I reviewed my credit report and sent notice of dispute to Ad Astra Recovery Serv. I made several attempts to call, spoke with XXXX and XXXX whom kept hanging up on me while asking to speak with a supervisor. They kept saying to submit a request in writing which I had and they saw it in their system. I called back and finally spoke with XXXX the ( supervisor ) whom also stated I needed to submit again in writing my request. I mention to her i did and she kept aying submit in writing and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have paid different accounts and Transunion has it paid off and XXXX does n't! I have a credit score that is XXXX pts different from one credit company to another! I have collection items that were paid on one credit report and open on others. I have late payments on Trasunion and there on none in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 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:
I 'm victim identity theft I have disputed this with transunion XXXX for sum of {$250.00} was deleted not mine some one with similar name removed back on XXXX XXXX sum of {$3900.00} wow deleted due too not mine some one with similar name back on transunion has negelected me buy removing paid as agreed loans such as ford acct XXXX sum {$35000.00} removed its positive account opened XXXX XXXX closed XXXX XXXX ally financial opened XXXX XXXX closed XXXX XXXX sum of {$27000.00} they have been called they see it in there archives I have asked for them too re-report it they agreed too put it back on due too typo error in there behalf yet too be re-reported I asked them please put back on my loans with texas XXXX XXXX XXXX loans starting in XXXX XXXX sum of {$32000.00} closed in XXXX XXXX then XXXX XXXX closed in XXXX XXXX sum {$18000.00} then XX/XX/XXXX closed in XXXX XXXX sum of {$25000.00} nothing they will not re-report what they removed with out my consent nor do they care about what there reporting I have for some on reason XXXX inquiries from XX/XX/XXXX too XX/XX/XXXX wow I have begged them too delete these inquiries there hurting me really bad there not mine according too the fcra they must delete everyone them at once due too fraud there wanting police report I sent lawyers report as town I live in do n't do reports as I told them my attorney gave me statement too mail them they ignored it they have done nothing but injure me really bad I hade XXXX fico XX/XX/XXXX know I do n't know there not following the fair credit reporting act please help me thanks

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 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have responded to all the repositories 3 different times through their websites and by mail over the pasat 2 months as recently as XX/XX/2016 to correct their errors and they have not done so XXXX Accounts closed at my request due to fraud charges.Reporting Terminated Mortgage and Equity Line Paid off 10 years ago-used in determing my credit score Stating too many revolving accts-only have 2 and the balances which I pay off each month are one half what my allowable credit limit is Report states too many inquires-never made an inquiry. Any inquiry that may have been done was unauthorized and illegal Showing residence addresses I never lived at Reporting previous name or AKA no mine

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 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are XXXX accounts from XXXX XXXX XXXX that are reporting inaccurately onto my file, XXXX XXXX XXXX # XXXX ... & XXXX XXXX XXXX # XXXX ... I have disputed them numerous times with the agency and they refuse to correct the inaccuracies and verify the items correctly. I have asked them to delete them since they remain incorrect and they refuse to speak with me to do so. I have repeatedly asked for them to provide me proof of verification, evidence of their investigation, reference numbers or absolutely anything and they do not show me or tell me anything. I have contacted XXXX XXXX XXXX regarding these XXXX accounts and they have repeatedly told me that no one has called or conducted any type of investigation from any of the credit reporting agencies. I am concerned as to why these accounts are allowed to remain falsely reported on my file. I will complain until this is properly removed! These accounts are hurting me and contain false dates, payment histories, balances and status codes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I obtained vehicle insurance and I received an Insurance Score Notice stating there was PRESENCE OF A BANKRUPTCY ( SEE ATTACHED ). I do not have a Bankruptcy. In XXXX of 2014, I contacted CFPB to file a complaint against XXXX Case Number : XXXX. XXXX DELETED the Bankruptcy information from my credit report ( SEE ATTACHED ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion removed XXXX collections accounts as well as XXXX hard inquiries on XXXX/XXXX/17. After doing so they reinserted them on XXXX/XXXX/17 without proper notification. That is in violation with the Fair Credit Reporting Act and I am requesting permanent removal of these accounts. I spoke with 2 Special Handling agents and they refused to take responsibility for the error. Nor could they explain to me how it happened and they refused to remove it from my 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 explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have looked and my credit and notice many, many inquiries and a couple or several accounts inaccurate and not correct due to identity theft, They keep coming back verified and ask for additional information, when disputing, how can a consumer provide additional information on a account that isnt theirs.Also the large amounts of inquiries and fraudulent, unauthorized or unauthorized selling and using of my credit reports with out knowledge or consent. I get told they can not be disputed, but the FCRA states I can dispute anything un true, not mine or inaccurate, it does not exclude inquiries.I expect the companies to verify these inquires to the fullest amount allowed by law, but they do not and when I call some of the companies the say they have no record of that inquiry and tell me to dispute it with bureaus .See it easier and cheaper for these companies to just report these inaccuracies, then to fix them by investigating them .So to keep it simple I would like for the credit bureau to investigate the list of inquiries, cause it is to many to list that fraudulent, or unauthorized, and of dispute the derogatory accounts as well as XXXX XXXX XXXX who is reporting a fraudulent account and also reporting a in correct date, by saying the collection is recent of 2014, that is with them, but law states the must report the original date of collection which was many years ago then that before it became fraudulent and was sold to them, they are basically re again the account to damage a consumer score more, a complaint has been filed against them as well.Also I have viewed all of my good accounts and they are all up to date and correct, which that part I am glad to see, but the part that is damaging score as all these inquiries that arent mine is a taking a big toll on me by lowering my credit score and causing me many denials when I did apply.

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 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit score on XXXX XXXX bill went down considerably.Contacted XXXX XXXX, They told me to speak with Transunion, I called them to find out why my score went down.They refused to provide me with the information of why the credit score went down, even after I demanded it! I asked for a manager, they then put me on eternal hold.I then contacted The Consumer Financial Protection Bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Clarity Services
State: TX

Complaint narrative:
I writing you because I have no success with the credit bureaus or creditors. I check my credit everyday. I keep getting inquires on my report. Clarity Services Inc pulled a hard inquiry on my report. I have no ideal who this is. I called and no one knows anything. The reported on my XXXX. Notifying XXXX they never do anything. Hopefully you can get this company to remove this from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Student loans paid in full after default. However it is being reported negative by XXXX and XXXX for the same loans

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX is reported incorrectly and does not state " medical '' on credit report. They are breaking the FCRA act and did not indicate this as a medical account. I am asking that this improper reporting be deleted completely from my credit report. In the " Consumer credit reports : A study of medical and non-medical collections '' dated XXXX 2014 it states ... ... 

" As previously noted, research performed by the CFPB demonstrated that credit scoring models that treat medical collections in the same way as other collections trade lines penalize consumers with medical debt collections by underestimating their creditworthiness with lower scores.XXXX The study found that consumers with medical debt were more likely to pay their future loan obligations on par with consumers scoring at least XXXX points higher. '' The credit was reported incorrectly and needs to be removed from the credit reports completely.

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 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion is continuing to show inaccurate payment status information for the mortgage account under the name XXXX. Though it has been provided with the facts, it has refused to apply them to this account. Instead, going to the offender and accepting the erroneous information that 's given to it as truth. The responsibility to make sure information is accurate is Transunion 's and it continues to fail at this responsibility. This could result in a judgment against it, in a court of law. And, the fact that XXXX may have continued to feed inaccurate information will not immune Transunion from neglecting the facts! Thus, I am disputing once again the erroneous " late payment '' information under the XXXX account, and am submitting additional proof that XXXX is deliberately providing false information to Transunion, so that it can take the appropriate action to correct these errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 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: CA

Complaint narrative:
Transunion has refused to provide me with online access to my credit report, claiming there are XXXX accounts associated with my social security number and has refused to provide details regarding the fraudulent usage of my SSN. They 've also refused to delete the inaccurate account associated with my social security number, claiming their information is correct. I submitted information regarding my identity, but they have refused to resolve the issue. If this is a case of identity fraud, they claim their information is accurate and refused to allow me to access my credit report online or 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 non-monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
name on my transunion reports, reports a name of mine as XXXX XXXX, have no such 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 non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion will no longer allow me to file online disputes or see my credit report online. They say investigations must be done manually. They are punishing me because they have made so many mistakes. They continue to release my credit report to fraudulent individuals. Here are the illegal inquiries as follows : XXXX delaware 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 2015-08-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I had some unexpected expenses. My car payment for the month was due on XXXX/XXXX/2015. Due to an out of town family situation, I did n't call Ally until XXXX/XXXX/2015 to request a deferment on my account. Up to that point I 'd had a perfect payment record for at least a year so I was immediately approved for an extension, 1 month per my request. I verified my information with Ally. As I have a physical address and PO box , I requested that it be sent to the post office. As a condition of the extension I made an immediate payment of {$170.00}. The actual amount to be paid was {$170.00}, but due to the language barrier, I was n't clear on the specific amount. I was then supposed to wait for my paperwork in the mail. By XXXX/XXXX/15 I had not received it. I called and talked to many representatives who said it was mailed. I was concerned about completing the transaction prior to the 20 day period of the extension terms. After many conversations, a copy was faxed to me. I immediately signed it and faxed it back. I watched my account to see if the extension was reflected, again getting nervous about the deadline and any impact to my credit. Again, after several conversations, I was told it was recieved so under the wire, I made the final payment of {$230.00} ( {$230.00} was the intended payment ) which would have been for the XX/XX/XXXX payment. I would then go back to my regular payment of {$590.00} for XX/XX/XXXX. Upon checking my account for my XXXX payment, I found a past due amount of {$170.00} with a late fee of {$29.00}. Again, after many conversations Ally reps have aknowledged that since the original document was sent to a PO box , that it was not valid. The payment I made to start the process for the extension was not applied to the extension, but my XX/XX/XXXX balance. I have spoken to a myriad of representative in the U.S. and even a manager in collections who acknowledges that this is what happened. They argue with me that I owe this when the copy of my extension agreement indicates no other charges. The last manager I spoke to, a gentleman named XXXX, said he would look into the situation and get back to me. This over the peiod of 2 months is still unresolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-20 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:
Reviewed credit report and multiple unauthorized credit inquiries. 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 2016-12-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Financials need to spelled my name right. Which is XXXX Also, I have been send a reminder notice of payment when I still have until XXXX to pay my bill. I personally call at the beginning of the loan and request for my due date to be move from the XXXX of every month to the XXXX of every month. I get paid on a Bi-Weekly basis and the payment is set automaticly for it to go on XX/XX/2016 and a payment of {$300.00} has been set. I do not understand why this company is harrassing me so much when I have always paid like this. I do n't understand why they are charging me so many late fees when I have paid. They move my due date to the XXXX of everymonth and after this day is when the late payments should be posted not before. Why they have not post a reacent payment of {$260.00} that I made on XX/XX/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 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:
Transunion has received a police report and continues sharing my credit file. Additionally, there are XXXX credit inquiries that are fraudulent and unauthorized that they refuse to remove. 
XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry 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