vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Company refuses to provide me with score and 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 non-monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My current TransUnion report shows XXXX separate XXXX accounts. XXXX switched all customer credit cards on or about XX/XX/2016 from XXXX to a XXXX account. Yet, BOTH still appear on my report as separate accounts, with both showing a credit limit of {$18000.00}. This is in error. I only have XXXX account with XXXX, and it is now a XXXX account ( beginning with the numbers XXXX ). Please show the previous XXXX account as PAID ... or remove it entirely from my report. It is a duplicate account that does n't exist now, and the debt showing of {$11000.00} is not valid. My current balance is around {$10000.00} and is associated with my new XXXX account with 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 2015-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX keeps trying to collect on a debt for XXXX XXXX and has reported it on my Transunion credit report repeatedly. I am XXXX and I have insurance had full coverage insurance at the time. XXXX to be infact, and according to XXXX they only have record of me using their facilities in XX/XX/XXXX, XXXX XXXX 's records reflect the same information- stating that I have no debt to them and none for that company to collect. In XX/XX/XXXX I disputed the collection company and had them removed from all of my credit reports. In XXXX XXXX XXXX reopened the same collection on all XXXX of my credit reports under a XX/XX/XXXX date. I disputed them again and all but TransUnion has removed them from my report. I am XXXX and have been covered by XXXX since XX/XX/XXXX. I honestly think they re-opened the original thinking that I would not notice. But it is greatly effecting my ability to finance my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had home located at XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold XX/XX/XXXX. Mortgage was paid off and the line of Credit ( # XXXX ) balance at the home at the time of sale on XX/XX/XXXX was XXXX as indicated in the letter attached issued by XXXX XXXX XXXXthe mortgage account # XXXX for the property located at XXXX XXXX XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XX/XX/XXXX. 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home XX/XX/XXXX and both accounts Balance were XXXX as of XX/XX/XXXX at the time of sale. 
Please correct this inaccurate informationI did submit to you the HUD and Pay off proof dated XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I had a Pay Day Loan with XXXX Net Pay Day Advance on XXXX/XXXX/2013 which I had been paying regularly with the help of XXXX XXXX XXXX XXXX An accounting error occurred in the disbursement of funds which was immediately corrected and the automatic re-payment continued from there on until the account was paid in full. Payment was missed only for 60 days but was subsequently paid in full. In spite of the account already had been paid satisfactorily, they continue to keep the derogatory remarks in my credit report. The collection agency had agreed with XXXX XXXX XXXX XXXX that such entry will be deleted upon payment in full. It has been more than 3 years now since the account had be paid and they are still carrying the derogatory remarks in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX, 2016 I received notification from XXXX that XXXX accounts were being deleted from my credit report : XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX These XXXX were deleted from XXXX but they have yet to be deleted from my Transunion and XXXX credit reports. They need to be deleted from those XXXX Credit Reporting Agencies. I have contacted both of them and they both, very rudely have told me that they do n't have notification to delete and if/when they do it can take up to 90 days.

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 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On my credit report i have many accounts that were closed, but these accounts are very old from the early XXXX 's and its been far pas XXXX years where they should have been deleted. I would like to have them deleted cause they are having a negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a veteran, I have recently moved to the state of XXXX. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.

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 2016-07-28 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I was contacted on XXXX by Ally Financia and at that time I had spoken to a rep claiming that he is trying to secure payment for an auto loan and I immediately responded to him saying you have the wrong person and you all have been calling the wrong number for over a week. The rep apologized and assured me that my cell number would be removed from their dialer system in XXXX. On. XXXX I received yet another call from their company and by this time it is early morning. Prior to me phoning them I had 4 missed calls from them. I spoke with XXXX and asked for his supervisor and he then acknowledged that the only person he could transfer me to is in executive customer relations where I spoke to XXXX. I explained the issue to XXXX and I repeated to him that I demand to have to stop calling my number that this is a cease and desist. His comment is that they will remove my number as soon as I pay the bill. In my efforts I have gone as far to google their corporate off number, which are out of service or no answer. I 'm at my wits end and sick and tired of the constant harassment.

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 2016-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a collection account called " the bureaus '' on my transunion credit file. The bureaus is the owner of a charged off XXXX XXXX retail XXXX XXXX store card. I defaulted on this card XX/XX/XXXX. There is no useful data in the credit file on my transunion credit report that shows me the date of first late payment, the date it was charged off, the amount of time/months the account went without payments. It only shows me the date that the collection account was open with the bureaus in XX/XX/XXXX. The bureaus phone number is not on the credit file as well. If the information for charge off date or dates of non payments are not shown how can i dispute items that are 7 years old and ready to be removed from my transunion credit file? I feel they purposely hide this information so the consumer can not be aware. In order for me to be an educated consumer and exercise my rights I need all information provided to me and not just partial information. There is very little details about " the bureaus '' collection account on my paid service to transunion credit report and I feel all information about this collection account should be revealed to me on my transunion credit report without me contacting the collection company for this basic information about my date of first late payment, the date it was charged off, the amount of time/months the account went without payments.

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 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In XX/XX/XXXX. I cancelled the $ XXXX/month charges x 2 months ( XX/XX/XXXX & XX/XX/XXXX ) and received credits for these charges from the Transunion Interactive Co . In XX/XX/XXXX, I received XXXX more charges on my credit card for {$35.00} and called the company a second time. After a lengthy and argumentative session with a supervisor, he informed me that I had received refunds for the XX/XX/XXXX and XX/XX/XXXX charges but had " used '' XX/XX/XXXX charges and would have to pay those. I do n't even know at this point what was signed up for, what I was paying for or what the company provided for this charge. I think they are giving me the run-around and the website does not state specifically what you are paying or signing up for and is very confusing. Therefore, I would like to lodge this complaint against the Transunion Interactive company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 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 recently ordered copies of my credit everything looked good until I saw all thrse hard inquiries that was not mine I instantly called and had these disputed XXXX and they put a fraud alert on my credit report I then contacted XXXX and went through the online process of disputing these inquiriesin they just sent me an email saying to contact the creditors who furnish them with the information which I did before in they told me I need to take that up with the credit bureaus I also tried calling transunion to dispute the inquiries in everytime im met with rude people that give me fake names transfers me all over the place even people hanging up so right now I dont know what to really think or do I was advised by XXXX to contact consumer financial since I was having such a hard time getting someone to help its always that stigma guilty until proven innocent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
EARLIER IN THE YEAR I CHECKED MY CREDIT REPORT AND ALL OF MY INQUIRIES WERE DELETED. TRANSUNION PLACED THEM ALL BACK ON MY REPORT. UPON A DISPUTE THEY TOLD ME THEY WERE ALL VALID AND WOULD REMAIN. ITEMS WERE PLACED BACK ON WITH OUT NOTIFYING ME BEFORE PLACING THE ITEMS BACK ON MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
It was brought to my attention on XXXX2016 when my insurance company called me at work that they have not receive the XXXX renewal payment. They also advise me they had sent the lender a 30day notice of the renewal payment. The insurance company put me on hold but then had to call me back. And when they called me back they advised me the lender advised them they are sending a over night check to them for Friday, ( which is the cut date,XX/XX/XXXX2016, for my insurance renewal ). I advise the insurance I would call the lender in the morning to confirm the funds would be going out. 

My lender did not send my insurance company my payment for my renewal of my homeowner insurance on time due to that they updated their system and lost the data information for the insurance company for my home. I was advised this per a service manager that I spoke on XXXX/XXXX/2016. I was also advised " Sorry, but there was nothing they can do, maybe you can pay a monthly payment so you wo n't lose your insurance ''. I pay extra to have my XXXX and taxes include in my payment in my mortgage payment and the lender is going to ask me to put out more money for their error. The lender had lied to the insurance company. I was advise by the service manager that it would take XXXX 7 days before any funds could be directed out, and by that time my policy will have been canceled. I asked my lender again ; " How can you help me as your borrower, your customer since this is your error, your mistake ''? They told me ; " We are sorry, there is nothing we can do, but you have 90 days to get your insurance information to us ''. I need help please, someone needs to do something!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 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: NJ

Complaint narrative:
I have no idea what constitutes a " final response '' from Trans Union. Please change your form so that this unreliable question is not a forced-choice requirement on your complaint forms. I need to get a copy of my TU report to XXXX XXXX XXXX XXXX which requires it to join. I have a security freeze on my report to minimize the amount of false junk that TU puts in my file. Today when I called it to temporarily release the freeze, it refused to do so. It also took a very long time, transferred me around and forced me to repeat the same information twice to XXXX different people. Along the way, I could not remember some number TU assigned to my account some time ago when I placed the freeze on my file. TU then wanted me to answer " security questions '', including where I use to work. I do not want to provide information to TU since it is a hostile party to me and is built on a business model that is hostile to my best interests. I do not want to confirm or deny that I use to work at any particular place, since I have seen it use this as a way to confirm its own records. I have nothing to gain but usually something to lose confirming information to TU it may not have obtained or have valid confirmation for. I asked the TU representation to ask me another, alternative question and he refused to do so. So, as is the usual drill with these obnoxious corporations that traffic in your personal information, then try to get you to confirm the garbage they collect and invent for you and then try to sell, I can not get them to release a report to XXXX XXXX XXXX XXXX. 

Please require Trans Union to release my credit report to XXXX XXXX XXXX XXXX only and then immediately reinstitute the freeze on my account. In particular, I do not want TU selling personal information about me to any third party whatsoever besides 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 2016-04-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am having problems getting hired and have applied at several companies including XXXX XXXX XXXX Headquarters, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and more and no one will hire me I am XXXX years old and worked full time 32.5 years and was let go XXXX 2014 because of slow productivity. I lived off my retirement and then went on unemployment while I pursued employment. My question is if my credit is affecting my getting work I ca n't live off my XXXX year old father until Social Security and I cant go back on unemployment until XXXX I have a house, dependents and bills how do I pay? 
Please email me if you could let me know XXXXXXXXXXXX Thank you for anything I am desperate Here are a few responses I received You are scheduled to interview with XXXX tomorrow, Thursday, XXXX XXXX at XXXX No Response yet, We have received your application for the position of XXXX XXXX XXXX Sales Team Member-XXXX. Unfortunately, we are unable to consider your application, Thank you for taking the time to speak with XXXX XXXX XXXX regarding the Mail Services opportunity at XXXX. At this time, we are moving forward with other candidates who are more closely aligned with our client 's specifications for this position., We enjoyed meeting you and sharing more information about XXXX XXXX and its businesses. Although your background and qualifications are impressive, we wanted to let you know that XXXX XXXX has selected another candidate whose qualifications and credentials more closely matched, We appreciate you taking the time to submit your qualifications. After carefully considering our finalists, we have selected another candidate. We invite you to visit our website at XXXX for other opportunities. 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 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has allowed reinsertion of the same collection account multiple times. TransUnion has neglected to follow safeguards to protect my credit file and has never notified me of reinsertion as required by law. XXXX XXXX XXXX has reinserted a fraudulent collection 3 times and each time they report using a different account number and different dates of first delinquency in an attempt to manipulate the credit reporting system. XXXX recently reinserted the same {$57.00} bogus collection on TransUnion under the account # XXXX. 
This same collection was previously reported and deleted under account numbers shown on the documents attached to my complaint. 
TransUnion has knowledge that this collection agency has acted with disregard to the FCRA concerning the reporting of false information on my reports yet TransUnion has done nothing to prevent this abuse from continuing to occur. I have attached evidence directly from TransUnion showing that XXXX XXXX XXXX was previously deleted as well as a most recent SIGNED certified receipt that I sent to XXXX demanding that they follow the law and discontinue their deceptive behavior. This same fraudulent collection has been reported using other collection agency names including XXXX, XXXX and XXXX over the past several years. I am requesting immediate deletion of this fraudulent account from my TransUnion credit reports. I have also requested assistance from the Texas Attorney General 's office due to multiple violations of the Texas Finance Code. This is a fraudulent collection account and must be deleted from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed XXXX with Experian that I do no have a balance owed on XXXX XXXX XXXX, acct XXXX .... I submitted documentation to Experian that I have sent certified mail via USPS to address on file with Experian and creditor, XXXX XXXX REFUSED deliver usps tracking number XXXX. I then asked Experian to delete item from my credit report as unverifiable, but Experian has once replied This account is scheduled to continue on record until XX/XX/XXXX. This item was updated from our processing of your dispute in XXXX XXXX. I do not owe this creditor. The creditor is unwilling to verify any balances with me nor accept any correspondence from me attempting to do so. I also supplies Experian with a letter from my attorney demanding that XXXX XXXX remove all negative reporting until we are able to verify account. Experian blatantly ignored my request. I asked that Experian provide me with how they are obtaining this verification from creditor and that too has been denied. This creditor updates my information randomly with inaccurate information effecting my daily credit scores.

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 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have XXXX public records for tax liens that are paid in full and transunion is the only discrepancy compared to my other XXXX reports these were supposed to be removed and have not

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