vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-01 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:
My identity has been breached. An unknown party changed my contact info on my XXXX XXXX account. XXXX XXXX said this was done over the phone because the person was able to provide the last XXXX digits of my social security number and answer security questions. ( I do n't disclose this info to anyone ; so, I 'm not sure if this was an inside job or if XXXX XXXX server security was hacked again. ) The next step was to contact the credit bureaus. TransUnion could n't verify my identity/info, so denied my request. Customer service recommended using AnnualCreditReport.com. I went through the process on that site, but TransUnion again could n't confirm my identity/info. This prevented me from seeing if the other XXXX bureaus would release my reports. I ended up ordering the reports over the phone, but it 's going to take 15 days for delivery. Not good when one is trying to repair damage due to a stolen identity and prevent further damage. 

I called TransUnion. Not only could they not explain why I was being denied, they would n't provide a credit report unless I purchased it. That 's wrong. I 'm the victim of a crime. A crime that can ruin my credit, my reputation, and leave me penniless. 

AnnualCreditReport.com 's one credit report per year rule should be lifted when one is making the request due to identity theft. Credit reporting bureaus should n't be allowed to charge for a credit report when the request is made because of identity theft. 

How can the Bureau of Consumer Financial Protection help the operators of AnnualCreditReport.com better assist victims of identity theft rather than making the experience more XXXX? 

Regards, 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 non-monetary relief
Consumer complaint received 2015-03-25 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:
Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to TransUnion via certified mail. TransUnion refuses to honor my claim & the evidence submitted. TransUnion continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is 100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXXis not my account please remove this from my credit report. 
2 ) XXXX XXXX XXXX # XXXXis not my account please remove this from my credit report. 

3 ) The XXXX/XXXX/ XXXX XXXX # XXXXis not my account please remove this from my credit report, In addition to this account being reported multiple times. 
XXXX XXXX # XXXXis not my account please remove this from my credit report. 
4 ) XXXX # XXXX, XXXX & XXXXAre not my account ( s ), please delete them from my credit fileI would also like for TransUnion to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I received a call and they said they were from Ally Financial Institutions ( the company that has a line on my car ). I had to verify the account for them and we did it through my social security number instead of account. Immediately I noticed the person 's XXXX was poor. Then they said my account was in collection, which I knew to be untrue. I hung up but they already had my social. I called Ally to verify. They were unconcerned and offered zero assistance, only verified that my auto loan is in good standing. At the end of the scam call, the person stated they were from a law office and not Ally. The incoming number can also receive calls and the scam number was XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXTo Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXTransUnion, LLC XXXX. XXXX XXXX XXXX, XXXX XXXXI recently pulled a copy of my credit report and noticed the following information are in error : Inquires 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 inquiries are related to none of the aforementioned permissible purposes. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX : XXXX Date of Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX, XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX : XXXX date of Inquiry : XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX

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

Complaint narrative:
Hi, I used to have XXXX XXXX XXXX credit card since XXXX and have been using this card until XXXX XXXX. Since the card was expired, they sent new card to my address and it was never opened or activated this card to do any transactions. Currently I 'm Living in abroad ( XXXX ) since XXXX XXXX until to date. As I 'm planning to visit US again, I tried to activate this card online, surprisingly I noticed that the card was charged with some transaction in XXXX XXXX & XXXX, XXXX in XXXX area and it was past due until to date and reported to credit agencies. My questions is how a card can be charged without activation and that too I 'm not living in that area during transactions made. I tried contacting Merchant to resolve this issue but I 'm not getting proper response. I believe these transactions are fraudulent or transactions have been made erroneously by merchant. Hence, I would like you to conduct an enquiry on this issue and resolve this issue as soon as possible as my credit history has been affected. I 'm attaching statement showing fraudulent transactions for your reference. Please let me know if you need any further information from my end to resolve this issue. 

Regards

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 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XXXX XXXX XXXX, I took out a online payday loan with XXXX XXXX, XXXX for {$1000.00}. I began repayment on XXXX XXXX, XXXX. Over the course of XXXX months, I made payments to XXXX, XXXX in the amount of {$2700.00} - all from my bank account in XXXX, which I retained despite moving to XXXX. As of XXXX XXXX, XXXX, XXXX, XXXX is reporting this account as " Charged off as bad debt|Purchased by another lender '' and it is listed and " Derogatory '' and a " Collection / Charge-Off '' on my Transunion report . XXXX XXXX, XXXX is not legally permitted to conduct business in XXXX or XXXX, because they do not follow the state lending laws for payday loans.

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 2015-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Though I filed a Chapter XXXX in 2011, I 've paid my bills on time, I only have XXXX credit card with a one thousand dollar limit. though my monthly bills total, {$1400.00}, including mortgage and car payment, XXXX loan ( $ 700+ ) and XXXX credit card ( $ 900+ ) all with good standing and on time payment history These are the only open accounts on my report and my monthly income is $ XXXX .Despite these facts, my score remains in the fair to poor range and I 'm continually declined due to credit reports and scores. I saw XXXX disputed bill on my report that was n't mine and it was forgiven when I filed chapter XXXX, and as I stated, it was n't mine in the beginning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are addresses dates and phone numbers on file are not mine I have a rental agreement from 2009 till present that shows that I did not live in these places those years

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 2016-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My. computer has been hacked. This person has added themselves to my credit reports and credit cards : XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
bankruptcy public record and some information that is not belong to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX XXXX for validation of the debt without response, I disputed the account with TransUnion. TransUnion supposedly investigated it and came back and said that proper validation was provided to them. In TransUnion 's letters dated XXXX/XXXX/16 and XXXX/XXXX/16, they state " If interested, you may also request a description of how the investigation was conducted along with the business name, address and telephone number of the source of information. '' I have requested this information more than once and they will not provide it. If this does not get removed, I will file a complaint with the Federal Trade Commission. TransUnion is bonded by the State of Texas and they are required to remove any and all invalidated debts. They are refusing to do so and are refusing to provided the written documentation showing this debt has been properly validated. They are violating my rights and I will not allow it to continue. Do your job and remove this invalidated debt. YOU ARE REQUIRED UNDER THE LAW TO DO SO. In fact, XXXX has now closed this account because they recognize they can not validate it. Obviously, TransUnion is not doing their job and has not been able to validate the debt. This is not my debt and must be removed. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I did not enter into any lease agreement with that apartment complex. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? TransUnion will not remove this account even though it has not been able to properly validate it as being my debt. 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 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There is an open collection 's debt. This debt has been settled in full. The creditor informed me this debt would be reported to all XXXX credit reporting agencies and removed from my credit report. It is still there.

Company public response: Company 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: GA

Complaint narrative:
someone has applied for credit in my name without my permission and had has several inquiries that are not 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 explanation
Consumer complaint received 2017-02-11 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:
For most of my life, i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that I did n't open. They are all over the XXXX Texas area, and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not as I used it anyways but still, I do n't have a good start. I went online a couple of times to dispute stuff, and nothing happened. Since having my report ran and talked with the federal trade commission, they advised submitting documents to credit bureaus and negative source who is saying. And to keep responses and when it was sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 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:
I am a victim of their Inquiry issue : I have not given permission or consent for any of these inquirys 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 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX services continues to report a negative payment history item on my transunion credit report. XXXX XXXX XXXX stated that they informed transunion to remove any negative items from XXXX XXXX thereafter, however when I spoke to a transunion representative she indicated that XXXX stop reporting the item in XXXX XXXX. XXXX XXXX services was not suppose to make any more reporting on credit report once I declared Bankruptcy Back in XXXX XXXX, however they continued report me being over 120 days late on payments. I think transunion had an ovesite of this matter. Also I completed a student loan rehabilation program and all negative items were suppose to be removed from my credit reports by XXXX. The loans are no longer in Default status

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On XXXX XXXX all my inquiries where deleted. I logged back in a couple days later and my score dropped tremendously.

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 2016-12-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have called Transunion, XXXX about putting an " Fraud identity alert '' on my credit report. All ( 3 ) has asked me to send proof of an police report for identity fraud, I did send the information over to them. Everytime I speak with an rep at the credit bureau, they will not take the hard inquiries off my credit report. I have send in the information that they needed, so now they need to take off the hard inquiries.

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 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Repeatedly called TransUnion to cancel my credit monitoring service with them ( {$17.00} monthly ). The first representative went on for 10 minutes about other products and became argumentative when I declined even the 'free continuation ' ( which XXXX **still** requires further cancellation later or it becomes a {$9.00} monthly charge ). I asked her to just process the cancellation, at which point she started rattling off facts about different products again. 

I eventually hung up and dialed again. The second representative hung up on me as soon as I mentioned cancellation. 

I eventually canceled online. This requires the following navigation : after logging in, click on 'frequently asked questions ' near the bottom of the page ; then go to the 'payment ' category, then 'How can I cancel my membership? ' This recommends calling, but also has a small link ( again, near the bottom ). After that, click to confirm three more times (! ). 

This process is ridiculous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have been receiving collection letters from a collection agency called " Ad Astra '' for a debt that I have not availed ( from XXXX XXXX ). I suspect that either the debt was fraudulently obtained using my information, or the collection agency is fraudulently trying to collect a fictitious debt. 

This debt has been reported to credit rating agencies and is severely impairing my credit score/history. 

I have filed a police report with local county office, and they asked me to follow up with CFPB ; hence this report. 

I would urge you to investigate both Ad Astra and XXXX XXXX as to the origins of these collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
I am attemtpting to dispute a hard inquiry that I did not authorized on XXXX/XXXX/XXXX. 
ALLY FINAN I XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL, INC XXXX XXXX XXXX XXXX, MN XXXX XXXX I researched this company and it states that it is in reference to an auto loan in which I have not need for at all and currently am not looking for any auto loans. It is old that it popped up a day after logging into 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 2016-03-08 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Coastline Financial Resources, LLC
State: MN

Complaint narrative:
My XXXX year old Aunt received a call from XXXX, and so did my workplace, claiming they were a process server and if I did not call them back in 2 hours, they would serve court papers. I called the number back and they wanted credit or debit card information so I could make a payment on a debt that was written off in 2008. They told my Aunt that HER address was my last known address, which is not correct. At my workplace, they wanted to talk to the immediate supervisor ( which is myself ), but it was my day off. If I was not the supervisor, what would they have told that person? They had my SSN. I told them to send me something in the mail, and she said they did not do that.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I filed a complaint regarding a creditor who placed an excessive amount on my credit for utility service. The city of XXXX provided me with a letter contradicting the creditor and stating it was done to over several other people. all three credit bureaus despite the letter, continue to keep this on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief