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

Complaint narrative:
there is a bankruptcy showing on my credit report that should not be there. it was never done, the lawyer which filed it refuses to remove it. I learned about this when I was attempting to get a loan on for a car. it shows a bankruptcy was filed, but it never was, it never went to court and had never began or completed in any way and I need it removed. the lawyer that had filed it will not take any action, when i contacted them all they would do is send me a copy of the initial paperwork and the document stating it was not done. I have copies on my phone but am not able to transfer them onto here to submit.

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 2016-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Last name reported by XXXX and Transunion is wrong ( missing a letter ) Address reported by Transunion is wrong.

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 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian does not help the consumer but only the creditors. 
File a dispute with Experian for an account ( XXXX ) that was charged off. Experian sent me an email stating the investigation was done and a link to view the results. The link showed the latest report which the account I disputed was not updated with the results of the investigation. I screen copied the online report and called Experian. The agent tried to convince me that Experian did an investigation, but they at the least would update the status date, and the had not. XXXX, as well as XXXX have removed 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 2017-02-09 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 am filing 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 the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under XXXX XXXX ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
CREDIT REPORT ( TRANSUNION ) IS CURRENTLY REPORTING ERRONEOUS SCORING INFORMATION AFFECTING MY FINANCES, CURRENTLY GOING THROUGH SBA FUNDING, THEREFORE THE FINANCES ARE CRITICAL AND MY REPORT IS DETRIMENTAL. TRANSUNION LACK OF TRANSPARENCY IS PUTTING MY BUSINESS STABILITY IN JEOPARDY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is reporting address information that do not or never belong to be. Please assist me in getting the following address information removed from my credit file : XXXX XXXX and 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 2016-12-01 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: ND

Complaint narrative:
I was the personal representative for my brother 's estate. As part of my duties, I contacted the three major credit bureaus notifying them of his death, plus requesting that a notice of death be added to his file, and a copy of his credit report be sent to me for the estate records. To each I submitted a detailed letter via certified mail containing my request, plus enclosed emboss stamped originals of both his death certificate and the Letters Testamentary from the courts naming me as PR. 

XXXX returned a copy of his credit report to me with a death notice included in his file. Excellent. XXXX returned a copy of his credit report to me, but with no death notice added to his file. OK. TransUnion , however, simply returned a form letter notifying me that a death certificate and court papers were required -- both of which I provided. No copy of his credit report, and no death notice. Boo. 

I 'd like TransUnion to provide a copy of his credit report for the estate files with a death notice added to the report. ( And it would be nice if XXXX added a death notice ... )

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 2016-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion refused to provide Credit Score to a Lender, XXXX XXXX XXXX, whereby I am denied a Home Loan. 
And refusing to provide me with credit report, inspite of providing all required documents multiple times since XXXX 2015.

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 2015-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I had an account with XXXX in XX/XX/XXXX, I closed the account but was late with the final payment. However did pay the full amount XX/XX/XXXX. For some reason they are showing the account late 90-120 days in XXXX and XXXX of this year XX/XX/XXXX. I have disputed it, XXXX said that they confirmed with them the account was closed XX/XX/XXXX and paid in full but they will not fix it. I have called several times over the past few months and been very patient waiting but today after 30 minutes on hold and discussing it with a woman identifying herself as XXXX and a Supervisor in Pennsylvania she would not fix it. I asked to do a XXXX way call with XXXX and she refused. It is an obvious mistake but all she said she would do is dispute it again which I have done 2 times. When I asked for her supervisor she hung up on me. 
It is only Trans-Union that is reporting this incorrectly. I have spent several hours over several months trying to rectify it. XXXX said there is nothing else they can do to correct it as they have sent the correct information. 
In my previous calls I would have to speak with multiple people from XXXX and give them my personal information over and over which made me uncomfortable. No one I spoke with would give me any kind of employee number and everyone would tell me something different. 
Please help me. I has dropped my credit score XXXX points

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
So I recently find out that all XXXX credit bureaus mixed my credit history with my XXXX brother 's credit history into XXXX single report. I already contacted all XXXX bureaus with this dispute. Unfortunately, XXXX is the only credit bureau that handle this dispute as a professional company. XXXX is able to fix this dispute within XXXX hours and I received the corrected report already. However, XXXX and TransUnion are the worst agencies I have never encounter. When I contacted their representatives, they all refuse to apology for the error. XXXX admitted their error on their end ( because all my information was reported under my SSN they simply just put all my info under my brother 's name. I saw a report with XXXX name and XXXX SSN which is pretty funny but XXXX was able to separate and fix the mixing error ). Those XXXX companies keep claiming that it is my creditor 's fault for not reporting the information with all detail ( as they claim they never receive my SSN so all my information were filed under my brother 's name and SSN which means I do n't exist in this country ). This get me very frustrated, as XXXX actually receive all my information under my SSN how does the other XXXX agencies not received the same information from my creditors? Clearly, those XXXX agencies ' employees were sleeping when collecting my information from my creditor and failed to notice my SSN number on the reported credit info. Second, the representatives ask me to mail in a copy of my SSN to prove my identity so they can handle the dispute " properly ''. I comply to the request yet its been freaking XXXX weeks and I have n't ' heard back from them regarding the status of the dispute. I try to pull my credit report from TransUnion and it is still stating no information under my SSN is available. ( As they still have n't separated my credit history under my brother 's SSN ) I demand an immediate response from both XXXX and TransUnion response. Especially TransUnion, the phone representative made a verbal agreement that the supervisor will contacted me within XXXX hours after my phone call but I never received any phone call from the so called " supervisor ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 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:
There is a entry on my credit report that was previously disputed. I reached out the to the company to request a verification of the debt as I expressed that it was not mine and that i was disputing the debt in its entirety. As per the FCRA 30 days elapsed and there was not written response mailed to me so the law stipulates that this must be deleted. I expressed this to Transunion however the entry remains on my credit report, which is in direct violation of the FCRA laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Wrong address. Never stayed at XXXX XXXX XXXX XXXX, Ms 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 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
according to my credit report there is an incorrect information in my profile .Which consists in the following : " XXXX account closed by the consumer '' .It never been closed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial XXXX made various phone calls to my home in XXXX and cell over 2-3 days from no. XXXX, left message without stating purpose or simply called without leaving message. 

On XXXX/XXXX/2016 around XXXX XXXX I called the call back no. and spoke to a XXXX XXXX. She checked both my phone nos. that Ally had called and said they had no record of a debt owed them at either phone no., she could n't say why Ally had called me. 

I then saw an email from my daughter that someone from XXXX had called my son-in-law asking for my contact information. 

The next day XXXX/XXXX/2016 I called the no. given to my son-in-law, XXXX, x XXXX, and spoke first with " XXXX '', who said that they had been looking for a client with same ( very common ) first and last name as mine that they " had lost contact with '' in XXXX. 

XXXX noted that he saw my locations in his database were XXXX and XXXX. 

I then asked XXXX to speak to his supervisor, XXXX XXXX, who said it was customary for them to call all associations of someone when they have the same name of a debtor, even in this case where my locations did n't agree. 

In fact, I have had my XXXX tel. no. for 8 years, and my XXXX no. for about 20 years, so I could not possibly have been Ally 's client in XXXX. 

Ally Financial did not use publicly available personal data in a responsible way. They invaded my family 's right not to be disturbed by not using data in a professional way.

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 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request to remove the listed UNAUTHORIZED inquires from my credit report. I have contacted every creditor and they have reassured me that these inquiries should be removed immediately as they were submitted without my permission, yet the Credit Reporting Agency continues to list inaccurate, misleading and unverifiable information. 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. Please resolve this manner as soon as possible. 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 2016-12-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I keep receiving late charges on my auto loan monthly even if I send in an amount over what is owed on the loan. {$6.00} is being charged every month and I get a separate statement for late charges and one for my regular payment. The company is Ally Financial. Here 's an example- My monthly payment due is {$300.00}. Statement total was {$390.00} which included a {$66.00} past due total and a {$24.00} late fee. I paid a total of {$500.00} which should have covered everything. {$430.00} was applied to unpaid balance and {$68.00} was applied to finance charge. No money was applied to the late charge but then I get another statement/letter saying I still owe {$27.00} in unpaid late charges. I feel like I 'm being robbed here. Can you help me out?

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 2016-03-28 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: FL

Complaint narrative:
I am buying a house and the mortgage company reported that they were only able to see XXXX ( XXXX ) score. That score is by XXXX. I tried to purchase a XXXX bureau credit score by XXXX but instead they send me a copy of my credit report which I already have from the mortgage company. XXXX has a policy that if you purchase a one time copy of your scores or report it is non-refundable [ Buyer Beware ] .Their XXXX bureau score report is XXXX Neither XXXX nor Transunion scores are available. I would be able to get a better rate if those other scores were available. We tried XXXX ( twice ) and called XXXX/XXXX/16 and the same problem. I have tried twice and gave up. When I try to go online and purchase those scores, they are always unavailable and they refund me my $ XXXX!! 
The agent at Transunion said he can see my score. But when I tried Transunion.com, they want me to purchase a 7 day Trial credit monitoring subscription and then {$19.00} thereafter before I can get my score. I refused because I only want a copy of my score which the agent says cost {$9.00}. THERE IS NO EASILY VISIBLE LINK ON TRANSUNION.COM to purchase such a score for such a price. To date I am still unable to get my 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 non-monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have had numerous issues with equifax. They continuiously add a derogatory mark " medical bill, '' that has been taken off at least twice in the past 4 years. This will make the third time. Hopefully, going through you guys can remedy this situation. Im not sure who is to blame, the company that keeps reporting or equifax. I thought this had been solved, has n't been on report for well over a year. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I disputed similar, XXXX have even been the same, information with Equifax and the companies 6 months ago as well. XXXX is reporting the information correctly now, so I believe the issue is with Equifax. 

There is incorrect information being reported on XXXX of my closed accounts. All three accounts are negative, because they were included in bankruptcy, but Equifax is also reporting that the XXXX accounts have 'Date of First Delinquency ' and XXXX of the XXXX also show information for 'Date Major Delinquency First Reported '. At no time have any of the XXXX accounts been delinquent. Prior to bankruptcy all three accounts were paid as agreed and paid on time, so I would like the information to be reported correctly. 

The last time I disputed this with Equifax they responded by saying that the information had been verified, but it should not have been. Bankruptcy makes the account negative, it 's considered derogatory, but 'delinquency ' means it is not being paid as agreed ( not right amount or not on time ). This should be clarified with Equifax ( they wo n't listen to me ) and the incorrect information should be removed from my report. 

Supporting documents have been attached below. They include the confirmation of my current dispute with Equifax, screen shots of the XXXX incorrect account reports, documents showing those payments were made on time and not delinquent for all XXXX accounts, and the most recent and complete reports from Equifax and XXXX so it can be seen how they are reporting differently.

Company response to consumer: Closed
Consumer complaint received 2016-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed several requests with Equifax to have them delete Liens which have been withdrawn by the IRS. I have also sent in reporting documentation, including Identification, Insurance Bill, Drivers License and Social Security Card and receiving no assistance from Equifax which is reporting incorrect information in my credit file and have requested and sent documentation over XXXX times via mail. I have also attempted to dispute online several times and each time I attempted to upload the supporting documents or call into customer service I would receive stall tactics with no intent from Equifax to resolve this duplicating issue. I believe this is a discriminatory tactic in attempting to keep derogatory information on my credit file. They are very deceptive in their practices in their attempt to keep consumers laden down with obsolete or erroneous information on their credit file to prevent them from moving forward in life to obtain credit. We are in the process of trying to purchase a home and need to the lien of XXXX deleted from my credit report which IRS has sent formal documentation and also provided me with a print out of the Withdrawal of {$31000.00} included in the total of the original Release of XXXX, XXXX. The {$31000.00} is a duplicate of the total which has been withdrawn and reported to the filing Court by IRS and other obsolete information they are reporting which has been over XXXX years still on my file. They have extended their statutory limits which is an attempt to keep people bound and oppressed which is discriminatory and predatory. The other XXXX Credit Bureaus received the same information and have deleted the XXXX from my file. Why is this an attempt of Equifax Information Services to discriminate against XXXX minorities who are trying to move forward in life. Please help me to resolve my credit reporting issues with Equifax.

Company response to consumer: Closed with explanation