vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion , LLC is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a bankruptcy that showed up on my credit report. Every time I send TransUnion a letter requesting signed written verification or validation, They just send me a letter back stating that it has been verified. So I called the XXXX Courts and I was told by the Courts that they do not, will not and ever will report to the credit reporting agencies due to privacy laws. what baffles me is that TransUnion is claiming that this account was verified, Who is verifying it?? I have attained legal counsel over this matter and will be filing a lawsuit as soon as possible. According to the Fair Credit Reporting Act, ( A ) ( 1 ) ( A ), Credit Reporting Agencies are required by Federal Law to verify, Through the physical verification of the original signed consumer contract, Any and all accounts they post on a credit report otherwise, Anyone paying for their reporting services could fax, mail or email in a fraudulent account. If this account can not be verified or validated, It must be deleted immediately!!! If you need any more information, Feel free to call me at this number, 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 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was reviewing my Transunion Credit Report and I confirmed that Transunion is still reporting my XXXX XXXX account still to be open. I paid this account in full 2 months ago and this is account is reflecting correctly on XXXX & XXXX as paid in full ( {$2100.00} - Never any late payments ). The dereliction of duty of Transunion to be reporting factual information on my Transunion Report is causing a negative impact on my credit worthiness and credit score and is a direct violation of the Fair Care Reporting Act.

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 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Certified letters have been sent to the accounts. I will attached the certified receipt. 

I have recently been informed that there is negative information reported by XXXX and XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Late Over 120 Days and Collection. I am unaware of Late over 120 Days and collection. 
Please validate this information with XXXX, XXXX XXXX and XXXX and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. legally binding contractual obligation to pay you the alleged amount. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 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. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. 
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

The inquiries not belonging to me are XXXX XXXX/XXXX/2015, XXXX XXXX/XXXX/15 and XXXX XXXX XXXX/XXXX/15. Please provide me with viable proof that these belong to me. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

My name is XXXX XXXX XXXX. My name is NOT XXXX XXXX XXXX, XXXX. I reside at XXXX XXXX XXXX , XXXX XXXX, GA XXXX. I will fax my Driver 's License, SS Card and Utility bill. 
Please update my report and remove the highlighted accounts and 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 2015-04-29 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:
Dept collection agency called XXXX are attempting to collect a dept from me which I am not owing and they reported that to my credit even with out proper investigation to know if the dept is mine or not. I disputed that through TRANS UNION CREDIT REPORTING AGENCY but they kept reporting same to my credit. I contacted TRANSUNION CREDIT REPORTING AGENCY after so many attempt I made to contact the collection agency XXXX. but TRANSUNION said all the information they have on file concerning the dept was correct even when they did not do proper investigation. 
The dept which XXXX TRYING TO COLLECT FROM ME IS A FRAUD FROM THE ORIGINAL CREDITOR. ( XXXX XXXX APARTMENT ). 
I rented an apartment from the Original creditor XXXX APARTMENT, but a month after I rented the apartment the roof collapse and I could not use the apartment anymoreafter so many attempt I made contacting the XXXX APARTMENT to come and fix the problem, they ignored me despite I still pay the rent for the apartment even when I was not making use of the place. They ignored fixing the place until I moved all my belonging away from the apartment since it was becoming health hazard. But XXXX month after I moved out I received a letter from a collection agency called XXXX stating that I was owing some money from XXXX APARTMENT who ignored fixing the collapsed roof of the apartment I moved out from. 
the XXXX did not even do any investigation to know if I was owing such dept or not. I attached the copy of the letters I sent to the apartment management XXXX APARTMENT BE FOR IMOVED OUT FROM THE APARTMENTTHE CREDIT BUREAU SHOULD WORK WITH THE COLLECTION AGENCY XXXXTO TAKE SUCH FALSE STATEMENT OFF MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There is XXXX credit card account with XXXX XXXX XXXX that I have no knowledge of and there is a post office box listed as a address that I never had.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX, in reviewing my credit report I notice XXXX XXXX XXXX accounts with different account numbers. I contacted Transunion to dispute the account explaining there should only be XXXX. They told it would be 30 days to verify with XXXX XXXX then will remove it if it should n't be there. XX/XX/XXXX, I reviewed my credit report again but the item was still there. Therefore, I called XXXX XXXX customer service where they confirmed the information then sent information for Transunion to correctand they told Transunion and other credit bureaus. Here it is XXXX, XXXX duplicate account still reflects on my credit report. It appears that the credit report still reflect XXXX XXXX XXXX credit cards. It has now been 9 months trying to get XXXX of the XXXX XXXX Credit Card removed. Although it have an excellent pay history, it is affecting my debt to income ratio which lowering my credit score. They will not update the 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 2015-05-22 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:
I receive an offer of credit today from a company that I know nothing about. The company 's name is balance credit. Once I called to inquire about how this company received or obtained my personal information I was told by a service representative supervisor that the information was transferred over by TransUnion. I immediately called TransUnion to dispute items on my credit report as well as let Trans Union know that I am NOT giving them permission to sell solicit or trade any of my personal information for the purposes of optaining credit through third party lenders. I explained to TransUnion that I felt violated and that I was very upset about the fact that my personal credit information was solicited to a third party without my prior approval. I then asked to be removed or opt-out of any solicitation services immediately. All I have ever done with Trans Union was request my credit report within the last 60 days. I never requested to be added to a mailing list.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
XXXX PRESENTED ME WITH A BILL FOR {$2500.00} THAT WAS NOT RESERVED NOR AGREED BY XXXX TELEPHONE RESERVATIONS. WHEN THE ON SITE EMPLOYEE, PRESENTED THIS FRAUDULENT BILL TO MY ALLY BANK ( WITH INFORMATION ACCT # S, ETC.FROM A PREVIOUS RENTAL WITHOUT MY CARD OR BANK ACCOUNT NUMBER ON THIS RENTAL MY BANK DEBITED MY ACCOUNT WITHOUT MY KNOWLEDGE AND SEIZED MY FEDERAL MONEY. UPON XXXX XXXX, XXXX, XXXX, XXXX, THEY FAILED THEN XXXX PRESENTED FAKE, CREATED, FRAUDULENT BILLS TO ALLY BANK WITHOUT MY PRIOR APPROVAL.ALLY BANK ACCEPTED THESE BILLS AS REAL AND LAST WEEK AFTER RECEIVING MORE FAKE BILLS WITH OUT MY PROOF OF FRAUD ALLEY DEBITED MY DIRECT DEPOSIT SOCIAL SECURITY MONIES, ACCOUNT TO OVERDRAFTS AND WILL AGAIN SEIZE MY SOCIAL SECURITY DIRECT DEPOSIT TONIGHT AFTER PROHIBITING THEM FROM DOING SO. THIS IS MY FEDERAL MONEY AND ALLY HAS BEEN WARNED NOT TO TAKE MY XXXX XXXX MONEY AGAIN. CAN YOU STOP THEM SINCE I CANCELLED MY ACCOUNT WITH THEM?

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 2016-08-09 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:
wrong address reported by XXXX leasing Company. 
I never lived at XXXX, they delivered merchandise to this address for pick up, but it was an office location. It was never my living address, please remove. It was mistakenly reported to both Transunion and XXXX, also my current address is XXXX XXXX XXXX XXXX Fl XXXX, however it has been removed as a current address with XXXX this is an error. Also, my listed age of Credit history is mistakenly listed as 0 years and 6 months with XXXX creditors. This could be due to my recently closing an account, this is an error. It should be listed as atleast 2 years. Please update, 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 non-monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC
State: OR

Complaint narrative:
I applied, was given XXXX choices in writing to 'lock in ' my mortgage rate on XXXX/XXXX/2016 1 ) I chose the {$1800.00} rebate %, the 'middle ' choice 2 ) AFTER I paid for the appraisal and incurred other closing costs I was told the 'rebate ' would be only {$300.00} 3 ) I complained and was told I could start over with a higher interest rate and another 'promise ' of a 'rebate ' in writing on XXXX/XXXX/2016 This is n't a choice, it was leveraged theft. If I started over I could be out more than the {$1500.00} they were taking from me. 
I closed on the refinance and am now complaining. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XXXX XXXX, 2016 I initiated a dispute with trans union for incorrect dates to my account with the company XXXX so i wanted them to check the dates for this account and instead of them doing so they just deleted record of my account from my file. Since then the amphibious base has reported my car account to them monthly but they deleted it with out doing a proper investigation now when my credit is pulled its as if I do n't even have this account. Trans union needs to get this corrected and added back to my credit report because it is hindering me badly. I am been in contact with the XXXX and they contacted trans Union and it was stated to them that my report is suppressed. I just want my information corrected and trans- union refuses to update my report correctly. this needs to be further investigated as to why they are treating their investigations like this just delete the report so they do n't have to do the work. I have attached a copy of the dispute that i submitted.

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 2015-04-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I 've been trying to get TransUnion to remove the public record on my account removed because they ca n't verify the address. The XXXX issue is was whenfinished their initial investigation and I requested a re-investigation. I then requested the manner in which they verified, name of business, person they spoke to, phone number and address. According to FCRA 609 ( a ) ( XXXX ), they had XXXX days to comply, to which they did not. After some time and a few investigations later I requested for them to verify the address, after I already researched the case number and found the address is bit mine and therefore ca n't be verified. When I asked a person on the phone how the verified the bankruptcy and they told me they called the court and verified all the information which we both know the courts do not share info with the CRAS, done third party company does. They led already now they continue to carry out actions to support their immoral and unjust behaviors. Please remind them of my rights as a consumer and push them to remove this Public Record. live already cost me XXXX of dollars due to the interest-rate on my house in my car and I am not willing to go any further with this incorrect information on my file. If they do n't remove this I 'm going to be forced to take them to small claims to recover the monies this debacle is choosing me. Thank you very much and XXXX bless you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion, care of said XXXX XXXX at XXXX, now claims that the letter addressed from XXXX to me is " unacceptable '' to substantiate deletion of the purported delinquent record on my credit report claiming that I still owe XXXX XXXX {$780.00}. Evidently, the FCBA is a bunch of hogwash, and Federal legislation is a joke, because the credit bureau does n't think it 's binding. They clearly believe that they can 1 ) completely ignore the billing dispute of a consumer 2 ) promise XXXX service at XXXX rate and overcharge them for services at will 3 ) fail to even acknowledge the consumer 's billing dispute 4 ) and then report delinquency to their credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a dispute 2 months ago and have not received a resolution. I included my current drivers license as proof of residency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was a victim of Idenity theft by a man named XXXX XXXX XXXX who claimed he fixes credit and had a company called XXXX @ XXXX construction he was a con man who put things in my name and never paid. He went to jail for doing this scam to many people and he may or may not be out of jail now ... He put a mortgage in my name from XXXX bank it has been removed from some credit agencys I need it removed from all

Company public response: Company 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 — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I had a XXXX XXXX XXXX XXXX account that was opened in XX/XX/XXXX and paid in full and closed in XXXX XX/XX/XXXX. This account has always been paid on time. I viewed my Trans Union Credit Report and this account has some negative remarks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally Auto repeatedly calls me throughout the day. It has not became XXXX a day they are contacting me. I have already told them XXXX the constant phone calls need to stop. They continue to do it. I have threatened them with legal action but they do not listen. At this point I am writing to complain as well as looking to take the legal action further. I already contacted a lawyer about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I disputed the XXXX Bank account reporting in my credit report on XXXX XXXX, 2016 through XXXX XXXX. The 30 day period for investigation was over on XXXX XXXX, 2016 and I have received no verification of the account and it is still showing a investigation in progress 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 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have an address on my report I dont recognize and have never lived there also the phone number XXXX has never been under my name THE XXXX NY 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 2015-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX cancelled my debt and issued me a XXXX on XXXX XXXX, 2010, just after I began a debt settlement plan. Since then, they have added interest and fees to the original amount due and are continuing to report the total amount as past due to the credit reporting bureaus, even though I was issued a XXXX and paid tax on the cancelled debt over 5 years ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX added an extended 7 year fraud alert on my credit file. In their letter, XXXX wrote it would contact TransUnion about the extended fraud alert. I did not receive a notification from TransUnion. Thus, I faxed the letter from XXXX to TransUnion. Again, I received no response on the matter from TransUnion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation