vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I signed up for my free credit report pursuant to Transunion 's services and the XXXXday free trial ( after which I 'd be charged {$16.00} + tax for a monthly " subscription '' ). Upon the end of the 7 days, I tried to cancel but found no way to do so online, nor did I find any information as to a phone number to call to cancel, and I also could not find further instructions when I searched " cancel '' in the website 's search bar. I believe Transunion is purposely making it difficult and unreasonably burdensome for consumers to cancel their memberships so that they can charge them {$16.00} per month for the subscription. It seems very likely that Transunion is taking advantage of the busy nature of people 's lives and the little time they may have to fully mete out this issue. There is certainly a consumer protection issue when a company has intentionally tried to conceal a person 's ability to cancel a recurring charge that he or she otherwise has the complete right to do.

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 2016-10-05 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 a recent victim of identity theft. I received my XXXX letter in the mail giving me access to a free credit report to check for any additional fraudulent information. I identified an address that was not mine. I do not live there, nor have I ever lived there. I disputed the information and XXXX got it removed successfully, no problems. Then, I went to Transunion and pulled my credit report and found the same information. I tried to start the dispute process online, but when I did the second address was not listed as something I could dispute. I called Transunion at that point to speak to a representative. The representative was extremely rude, insulted my intelligence, and was unable to help. I sent an email to their customer service, and was told to call the same number again. So, I called today and the representative, again, did not believe me that there was another address. He told me to call back when I was in front of a computer because he did not believe me that I was looking at the TRANSUNION website ( again, insulting my intelligence ). I followed his instructions, called back when I was home, with the credit report in front of me. I spoke with a representative who was unable to help and requested he send me to his supervisor. I spoke with his supervisor whose name was XXXX XXXX and he AGAIN insulted my intelligence. He asked me to read him the URL of the website I was on, refresh the web page, etc, to prove I was telling the truth. Every representative I have spoken to has been insensitive, dismissive, and rude. INCLUDING the representative who answered my email with not even one complete sentence and did not offer to help me AT ALL. When I asked to speak to XXXX 's supervisor, he said I would have to speak to the XXXX team who would not be open until tomorrow. I even offered to send him a screenshot of what I am seeing but he just told me to talk to the other team. I am beyond frustrated with Transunion and their rude, insensitive behavior. You would think these representatives would be trained to handle identity theft victims with a little more empathy.

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 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently received a copy of my TransUnion credit report. The credit report showed a credit inquiry by your company ( XXXX ) that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized 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 explanation
Consumer complaint received 2015-11-02 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:
There is a XXXX account being reported on my credit report that does not belong to me. I have disputed this account with XXXX and received a letter from them stating that I did not authorize to be added on this joint account XXXX and should no longer be reported on my credit. I have forwarded this information to TransUnion to have it removed and they performed an investigation witch did not remove it from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
on XXXX XXXX, 2016 I called the credit bureau and they would not removed the information that is not correct. I try to do the transaction online, but they keep telling me to call.I explain that the information was wrong and that some name and address was not accurate.

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 2016-01-19 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 sent an Affidavit of Identity Theft to Trans Union and it was received by Trans Union on XXXX/XXXX/2015. After the agency received documentation, I never received an investigation status or result. Additionally, Trans Union did not respond to the request but XXXX and XXXX did.

Company public response: Company chooses not to provide a public response
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: CA

Complaint narrative:
I have payed my ( on time ) mortgage for my home since XX/XX/XXXX, XX/XX/XXXX, I payed off my car in a year ( at my credit Union ) and payed down my credit card with a XXXX. I applied for a XXXX at my credit Union and found to my credit score was XXXX. So, I ask for the report, they ca n't give it to me. I apply for my report online and I ca n't see my report, but these " things '' ( lies ) disparaging discrepancies are being held against me, I even applied for a XXXX card and was denied because of incorrect trade-line information.

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 2015-09-06 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:
Transunion is reporting a fraudulent bill that does not belong to me. The item is a bill that is reporting from XXXX and reads " Paid and Close ''. This is not mine. I never paid it. I had reported the same issue with XXXX about XXXX and explained to the hospital that my insurance cards were stolen and the bill does not belong to me and they said XXXX and the credit bureau is responsible for reporting this not them. Please remove fraudulent item from credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
An account from USDA XXXX XXXX XXXX is reporting as a collection/chargeoff/delinquent. 
This account has a {$0.00} balance and should not be on my report. The " account lender '' promised removal, but has not removed. 
This account appeared on my reports in XXXX XXXX but is listed as being late since XXXX. Everything about this account is incorrect.

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 2015-04-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I sent money by XXXX to ally auto financing in XXXX XXXX 2015 and they will not apply the XXXX payments totaling {$630.00}. I only have XXXX more payments to pay it off and they are threatening to take the vehicle. I have talked to them several times to try and resolve this, but they will not apply the money. 
What are my options?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This consumer : 1. Attempted to login to his Transunion account to review status. 2. Login, and or, password was not recognized. Consequently, this consumer is routed to a page asking what is the consumer 's high school mascot name and what is his email. I provide the right information. However, it kicks back as wrong. 3. I am routed to an off-shore XXXX XXXX XXXX number. 4. I call that number. The Transunion representative can not access my information. and suggests I email my state or federal I.D . I email my state I.D . 5. I call back. This time, the Transunion representative states that my only option is to go to XXXX. I explain that under XXXX and state consumer protection law, Transunion is obligated to do much more than that. 5. I am switched to a supervisor who says that Transunion is not even obligated to do for this consumer what was already stated in previous conversations. So, erroneous information remains on the Transunion report for this consumer. This consumer is left with no material way to correct or mitigate this problem. I and millions of American consumers are adversely impacted by the conduct of information barons like Transunion. Credit reports impact an American consumer 's ability to get a job or housing. Transunion can hurt families in this regard. Currently, it appears that I have identity theft and a false record issues with Transunion. I have collections that are not mine. I have access or profile information that is not correct. Transunion is refusing to make resolution possible or easy.

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 2016-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I am a veteran and looking to purchase a home for my family. I checked my credit report as we are trying to make sure we have everything together for next years home purchase. I notice a collection from AD Astra that I did not recognize as something I would owe or to the best of my knowledge I do n't know what this was. I also did not recognize the amounts they are saying I owe. I did some research and decided to dispute the account with AD Astra in XXXX and also again in XXXX and never received any responses in the mail from them. It is very frustrating as I was expecting to hear back from them. I read online about the Consumer Financial Protection Bureau and felt like this was a good next step since I ca n't get AD Astra to respond. I even sent a dispute letter in a legal affidavit format to let them know I was serious about what this and wanted to get some kind of validation of what this was.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 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:
XXXX and XXXX both have me as having a home loan taken out in XXXX 2015 and i do not have a home loan. I am unable to get my credit reports or scores. It shows i have a student loan and auto loan and credit cards that i did not open. I want. Any and all forms and steps i need to take mailed to me. I want all three credit agencys to mail me my credit reports as well. I want my credit report to reflect i am a victim of identity theft

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 2016-12-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is not responding to my requests to investigate and remove accounts that do not belong to me 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 explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion has ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The is an employer placed on my report on XX/XX/2017 which i do not work for

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 2015-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: CA

Complaint narrative:
For the past couple months we were notified by our mortgage company of increased mortgage payments to be paid right away due to the lack of calculation on their part in our property taxes that resulted to delinquent taxes they they just paid to the accessors office. Now they are penalizing us by tremendously increasing our mortgage payment not once but XXXX in the last 2 months. Our regular mortgage that we been paying for the past 3 years is in the amount of {$1900.00} which was last paid XXXX XXXX, 2015. The first increased payment was paid in the amount of {$2600.00} on XXXX XXXX, 2015. We called Pacific Union Financial numerous of times trying to find out why our payment had increased, which i was not getting anywhere with their reps and left a message for a tax specialist within their dept to call me. This past weekend we received ANOTHER mortgage statement of an huge increasement in the amount of {$3500.00} to start on XXXX XXXX, 2015. We spoke to a manager and they gave us two options that we do not agree with and those options were to spread the shortage amount in 24 months which will low our monthly mortgage to XXXX a month, which we still can not afford. Second option, is to redo our loan and start over, in which we disagreed to that as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a chapter XXXX XX/XX/XXXX and it was discharged XX/XX/XXXX but it is still on my TransUnion report even though it has been fifteen years and it is only suppose to be there for seven.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have credit inquiries that were deleted but re-inserted on my credit. I submitted a credit dispute but they have yet to remove the inquiries. 


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 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX has been paid in full and XXXX who has the account has received the paper work that it is paid in full and was to remove it and it 's still on there need it look into checked and removed cause it 's been paid in full. XXXX has all the documents

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc
State: IL

Complaint narrative:
after sending multiple certified letters to ad astra and filing complaints XXXX and XXXX, ad astra asked me to go onto the ftc id theft website and send them a copy of this to get the tradeline removed. I have done this and sent them a certified letter that was signed for on XX/XX/XXXX. This still has not been done, even though i have done what they have asked. Ad astra continues to work in bad faith by not honoring what they said they would do. I have never done anything with this company.. i do not have a signed contract with this company nor do i owe this company any money. this is a BAD DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have filed a complaint with each of the inquiries in question with the CFPB. Their responses were dismissive and final just like yours. But yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the inquiries to be valid and being reported accurately. Failure to provide me with a copy of any alleged contract or other instrument will result in a small claims action against your company. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] By not properly investigating properly with each inquiry within the required time-frame, I have evidence of such, via certified mail receipts, you must remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. I will be relentless in having those unverifiable inquiries removed. 
Here are the inquiries in question : XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Banking XX/XX/XXXX XXXX Banking XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Finance CAP XXXX XXXX/XXXX/XXXX Banking

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