vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This complaint is to address the validation of information on my credit report obtainting to a Chapter XXXX bankruptcy that shows filed in 2010. Transunion is showing information on a bankruptcy filed in 2010 with an Indiana Bankruptcy court to which I have no recollection of this information nor do I agree that it is accurate. I have been mailing and faxing documentation to Transunion requesting information on this account to which they have not provided nor validated this account. I have also been in contact with my local clerks office and the court that they list on my credit report and have recieved documents from them. These documents state that they do not validate this information and they do not provide information to the credit bureaus. I have asked that they show me documentation on the process they have used to validate this information is mine to which I have not got a response too. This company fails to validate this information and now will not allow for me to continue to investigate or dispute this information. Please look into this validation of information and correct the errors.

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 2016-12-16 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 am filling this complaint because transunion has ignored my request to provide me with the documents that their company has on file that was used to verify an account under " XXXX ''. I have no knowledge of the account being reported on my report. 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. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.

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 2016-11-19 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:
I have accounts reporting on my credit report that I did n't do or get. My name is very common and the local police department explained that the best route would be to call the bureaus and another government agency I think this one but it was called something else. I have a judgement for an auto? and child support? very frustrated with myself for not keeping up with this stuff.. did n't think i had to. I 've sent the bureaus dispute letters but there has n't been any real traction. This is affecting my personal life and the more time that passes the more XXXX i 'm getting. I have followed the specific instructions on the website showing what to do and i uploaded it. I can give you letters sent and receipts.

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 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I received a state tax lien in 2011 and it was immediately paid. NY state removed the account from my experian and equifax credit reports last year, but left it on trans union. 

This is impacting my ability to get a car loan and refinance my debts. It is also impacting my ability to change jobs.

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 2015-12-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
lvnv funding is reporting on an account that has been deleted and is at least 7 years old. the original creditor is not even reporting on my credit report anymore

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I was recently dismissed from bankruptcy we notified Ally financial and requested a work out plan because I want to keep my vehicle. We spoke with XXXX in the skip dept. Friday XXXX XXXX, 2016. He stated the account was still under bankruptcy and requested we fax over documents to start the negotiation. We fax the requested documents. He also stated the vehicle would not be reposed and I would keep my vehicle. My vehicle was reposed this afternoon XXXX XXXX, 2016. I have not received a demand letter for payment or correspondence stating Ally was requesting the vehicle to be picked up. XXXX gave us misleading information and I was calling to work out a payment plan. Ally is still mis treating the customer with their unfair collection practices. I 'm aware of the recent class action suit that the company was involved in.

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 2015-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Coastline Financial Resources, LLC
State: TX

Complaint narrative:
I received a call from XXXX XXXX of XXXX. They left a voicemail on my phone as well as my ex wife. 

" I have official documents being delivered to XXXX XXXX XXXX XXXX ... Sine your social security number has been attached to the documents under federal law we are unable to deliver at that address verification. You must contact the original firm at XXXX Ref XXXX '' I have not lived at that address since 2006. The blocked the number they called from and then called my ex wife and left the same message. They do not identify themselves as a debt collector. When I called they refused to give me any information about the debt or their address.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 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:
Hi, My name is XXXX XXXX. I recently logged online and reviewed my credit history with XXXX and TransUnion and I saw there were several hard inquiries which were not authorized. I suspect that this could be an attempt of ID theft. Here are the names and dates that my credit was hard pulled. 

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 Why would they continue to pull my credit report is beyond me. Anything you can do to remove these from my record would be greatly appreciated. Again thank you so much for your help. 

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 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Disputed information with credit bureau because information was disputed with agency first and they did not validate nor respond and credit bureau still lists as verified without proof.

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 2016-12-23 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:
I went to apply for credit at XXXX XXXX XX/XX/2016. I usually get a text message letting me know that I applied for credit. However the inquiry went to my husband 's text message, and credit. I do n't understand how my information when I put in my social security number is going to my husband 's credit report. This should not be happening. I contacted the Credit Reporting agencies and they are not doing anything about it. I want them to fix them immediately. This is affecting me and my husband 's credit report. When I put my SSN in for credit it should not be reporting to my husband 's credit report. XXXX also changed my husband 's name to my name on his credit report. This is illegal, we never gave them authorization to change my husband 's name to my name. I need all of this cleared up from happening again. This is causing us a lot of problems with our credit. There are inquiries on my report and my husband 's report that does n't belong there because of this. They are reporting my inquiries on his report and his on mines.

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 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
debt buyer, out of date debts must be part of those ) XXXX XXXX XXXX is the firm and XXXX XXXX is their attorney of record. I have just received a notice of a civil suit and am answering that at this time. The account that they bought is over 6 years old and closed, although I have no idea about what account it is since I have not received any communication from them that I know of until being served with a civil suit. The original creditor was XXXX according to the papers and the last payment was made, according to the suit on XXXX. I have filed a report with XXXX, the Attorney General of Oregon, and the Consumer protection agency. According to Oregon state Credit card XXXX XXXX XXXX XXXX v. XXXX XXXX XXXX ( Oregon Court of Appeals Docket XXXX XXXX XXXX, 2012 ) and XXXX XXXX XXXX XXXX XXXX XXXX ( Docket XXXX XXXX XXXX, 2012 ) Spoken contract XXXX Written contract 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 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I saw an article that said, " apply now by phone '' for a XXXX " XXXX XXXX ''. I spoke to a XXXX Representative '' and gave her all the information she required to apply for a new XXXX XXXX XXXX. After a short period of time, she stated that she could not approve my request at this time. She should they would review my apllication and send me a written response. After about two weeks, I received the written response. It stated that my request for a new XXXX XXXX XXXX was denied. The written response stated that I was denied for XXXX reasons, based on information provided to them by TRANS UNION, a credit reporting agency. All of the reasons were not true for my personal credit information. TRANS UNION stated the following : ( 1 ) - '' High number of credit cards recently opened ''. This was totally not true., I have only XXXX credit cards, both of which are not new and have never had a late payment. ( 2 ) - " High utilization on XXXX or more retail/store accounts ''. I do not nor have I ever had a retail/store account. Other statements they used were also totally false. I was told by the representative, for the XXXX XXXX XXXX, that TRANS UNION was their primary source for my XXXX XXXX XXXX request denial.

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: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion is reporting a collection on my credit report from 1998. I got a ticket for something when I was XXXX years old and had an unpaid fine. I did n't realize that I should n't pay a debt from 18 years earlier but I did and now it is damaging my credit. I 've disputed with Transunion three times to remove it and they refuse. Please get it taken off my 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 2016-09-03 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: MA

Complaint narrative:
TransUnion Customer Service, My father died on XXXX XXXX and his body was n't found until XXXX XXXX. This is put an emotional and financial strain on our family and we need requested expedited to pursue our legal intentions. On my mother 's behalf ( XXXX XXXX is cc'ed above ), I respectfully request an expedited copy of my deceased father 's TransUnion Credit report . We are requesting that an electronic PDF copy is sent to everyone cc'ed in this email immediately. I look forward to hearing from you. Your response is greatly appreciated. 

Very respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ; XXXXXXXXXXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX '

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 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I mailed a dispute to Transunion on XXXX/XXXX/2016. Approximately one or two days later I discovered another Separate Issue regarding a distinctively different account on my credit report. As such I filed a Second Dispute regarding a totally separate issue. 
I received a letter from Transunion stating that they received a dispute from me on XXXX/XXXX/2016 and " ADDITIONAL INFORMATION '' ON XXXX/XXXX/2016 AND THEREFORE THEY WILL BE ADDITNG 15 DAYS TO MY INVESTIGATION now ending on XXXX/XXXX/16. 
The second correspondence was not " additional information '' and was completely unrelated. I am applying for needed credit and need these matters resolved within the time frame allotted by law. My disputes should be resolved by XXXX/XXXX/2016. 30 days not 45 days. 
Thank you. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I contacted Transunion to clear up a record regarding a settled debt, and received a message saying it would have to be " manually processed. '' I did not hear from them after two months. 

Here is the background settled a debt with XXXX XXXX XXXX XXXX XXXX. At the time of settlement they created a new account number for the debt, stating in their letter that it was for internal purposes only. After settling the debt it still shows up on my credit report as " charged off '' rather than " settled. '' In my understanding this single debt ( regardless of if it is tracked under XXXX account numbers ) must be listed as " settled '' or " legally paid in full for less than the full amount '' to be fully FCRA compliant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
When I finally locate the on-line credit dispute electronic form it will not honor the completed electronic dispute log-in page. This is a clearly intentional!! The CFPB should interrupt this website and advise customers to go directly to the paper process as the website is not functional & gt ; But you already know this!! if some consumers are successful then it is a lottery thing. 
What are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propaganda what are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propagandahave several try and confirm what I believe is be the case = independent evaluationXXXX XXXX cell XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. I am an XXXX Military servant. I am tired of submitting a complaint for the same Fraudulent account 25 times, day after day and month after month. Your company has aided in ruining a once XXXX credit file and for the past 5 years have turned my life upside down and ruined my life. Now you need to correct it. My Social is : XXXX. 

An account by the name of : XXXX that was placed for collection activity in 2011, seems to continually appear, even after subsequent reports and documentation that is is fraudulent. 
All you do is just sit there, laughing and hvaing fun after reading the documents. Then you place a Fraud Alert on my acocunt, for something that should have been removed 5 years ago. How do you justify your job, to keep placing fraud alerts on my profile - AND NOT EVEN INVESTIGATE and REMOVE THE ITEM? Just providing a dated update? 
This is such a shame and I am sick and tired of dealing with having to call and being told I have to be transferred to this dept and then to that department and then to another department - only to find out that that 4th department is CLOSED! 
Like you I have a job. But unlike you, I hav integrity and I do actual work and take pride in my work. I do what is right when I know something is wrong, it gets resolved. When action is required, I take care of my customers! 

So, in short, I am expecting the removal of this AUTOTRAKK item that is fraudulent. Yes, back in 2011, I was the Victim of Identity Theft. You have all the documents and you 're still making the victim pay. it 's like I have been XXXX and you blame me for allowing it to happen. Yet the criminal is living the great life. 
This needs to be stopped. AGAIN - REMOVE THE XXXX ITEMS from my file and REMOVE IT NOW! 
You, XXXX and Transunion are all dirty operations. This is why your companies are always sued for XXXX dollars because you provide false and misleading information on consumers ' 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 2017-01-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
ALLY XXXX RAN MY XXXX CREDIT 9 TIMES IN 1 YEARS 8 TIMES WITHOUT WRITTEN APPROVAL IN VIOLATION OF FCRA.

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 2016-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX, XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XX/XX/XXXX I have send a letter regarding this account. Under the Fair Credit Reporting Act, you must Change the status of the loan modification accounts. 

This account was a loan modification that was done XX/XX/XXXX not in XX/XX/XXXX and it was close in XX/XX/XXXX not in XX/XX/XXXX. For that reason this XXXX account should be remove from my credit report. A loan modification does not take 9 years to process. 

You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the 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