vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-14 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:
IVE BEEN DISPUTING A FEW ACCTS ON MY CREDIT BUREAU ( TRANSUNION ) AND THEYRE NOT FULLY INVESTIGATING THE ISSUE IM A VICTIM OF IDENTITY THEFT IVE PROVIDED FTC REPORT, IDENTITY THEFT REPORT, XXXX LETTER FORM XXXX, STATING ALL NEGATIVE ITEMS ARE TO BE REMOVED AND BLOCK BECUASE IM A VICITM OF IDENTITY THEFT AND ITS BEEN 4 MOS AND NOTHING HAS BEEN REMOVED OR BLOCKED FROM MY CREDIT IVE DISPUTED THESE ITEMS FOR LAST 4 MOS AND STILL NO RESULTS AND IM THE VICTIM NO ONE HAS VALIDATED THE DEBT PROVING ITS ME BUT IVE PROVIDED ALL DOCS TO PROVE ITS NOT ME AND CREDITOR SAYS THEY BELIEVE ITS ME BUT NOONE HAS PROVIDED ME WITH ANY DOCUMENTATION TP PROVE ANYTHING BUT IM THE VICITIM BEING PENALIZED WITH NEGATIVE ACCTS AND ERRONEOUS ADDRESSES IVE NEVER LIVED AT OR REQUESTED UTILITY SERVICES AT THAT IM BEING CHARGED FOR WHICH IS VERY UNFAIR TO ME AS A CONSUMER. XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX HAVE NEVER VALIDATED ANY DEBT TO ME AND IVE ASKED SEVERAL TIMES TO BE PROVIDED INFORMATION ON ALL THESE ACCTS 4MOS LATER STILL NOTHING BUT NEGATIVE REMARKS ON MY CREDIT REPORT THATS NOT FAIR TO ME ...

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 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent out a dispute letter via certified mail to TransUnion on XXXX/XXXX/2015 and received a receipt showing the letter was delivered and received on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and I have yet to receive any type of response from TransUnion. According to the FCRA all accounts that were disputed must be removed because the accounts could not be verified in that 30 day time frame period. I will include the original dispute letter and certified mail receipt when submitting this complaint. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This credit reporting agencies has not properly verfied this account belongs to me by getting the creditor to validate information with proper documentation showing this is my account. Because the creditor havent send me proper verfied document. And proving that i have a contract 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 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Trans Union Issued a credit score of XXXX on XXXX XXXX, 2016. After I secured a vehicle loan and increased the line of credit on my federal credit union account of over 10 years, my credit score dropped to XXXX on XXXX XXXX, 2016. New accounts are suppose to affect the credit score about XXXX %. My score dropped over XXXX points. Also, inquires were made within 30 days to process this car loan but each inquiry was counted separately instead of as " XXXX '' inquiry by law. There was a number of inquiries that are inappropriate. I tried to resolve this with officials with Trans Union with no success or valid explanation.

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 2015-03-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Commercial Services, Inc
State: KS

Complaint narrative:
National Commercial Services sent me a letter dated XX/XX/XXXX alleging I owed them approximated {$320.00} and alleged my XXXX XXXX someone. I do not believe my XXXX anyone. I have no evidence to support that and there is court judgment. I responded with a certified letter sent XX/XX/XXXX and received confirmation of receipt on Ja

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have disputed with all XXXX credit bureau the information XXXX XXXX XXXX is reporting on my mortgage XXXX. The account was not included in a bankruptcy per the attached amendment. Payments were made continuous from XX/XX/XXXX to XX/XX/XXXX, account was paid in full and satisfied as agreed as of XX/XX/XXXX. XXXX XXXX XXXX has refused to change and credit reporting agencies are not defending the reporting. Need to report both good and bad actions on an account. Reporting agencies are not showing the good payments and paid in full account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Premier Portfolio Group
State: SD

Complaint narrative:
I keep receiving phone calls at work from an organization called Premier Portfolio Group. The person calling is XXXX XXXX. When I first spoke to him I informed him not to call me at work. XXXX calls back the same day and says '' I KNOW YOU TOLD ME NOT TO CALL YOU AT WORK BUT '' I then hung up on him. He continues to call daily and when both of my co-workers answered on separate occasions, he calls them a liar because they tell him they are not me and he tells them they are me and gets short with them. This company has gone too far. Numbers that they use : XXXX, XXXX, XXXX, & XXXX. I have asked them to mail me a letter that states the information and debt they are collecting on. They refuse to send anything. I want my credit card info, my payroll department number. I am severely being harassed. I am ready to notify the FBI to investigate this company. They are causing me stress and making me look bad at work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX alerted me to a change in my credit report. When looking into this, I noticed I had several hard inquires that were removed from my credit report get added back on.

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 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I disputed a tax lien in the amount of {$740.00} that has been paid to the North Carolina XXXX. The debt was paid on XX/XX/XXXX. They indicated they investigated and information is correct. However that is not correct. The NC XXXX also garnished the money from my account and then added a lien which is too not legal. I would like the debt removed from my credit report as well as deleted from the public record.

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 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this complaint because Transunion LLC has ignored my request to provide me with documents showing proper validation for negative items reporting on my credit report. Instead they sent a letter stating that certain items were verified with the original creditors, but where is the PROOF??? I am aware of my rights under the FCRA and Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you ca n't just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you ca n't send me proof of these accounts from YOUR COMPANY, it must come off. Please make sure that XXXX abides by the law and provide documentation or delete immediately. 

Account Name : XXXX XXXX XXXX. Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : # 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 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX child support opened a case against me in XXXX when they started taking child support out of my checks. I was then XXXX in XXXX and they continued to take child support I was never late or ever sent into collections. I still have a charge off on this account on my credit report the case was closed in XXXX of XXXX an report was added to the credit report in XXXX of XXXX due to my child turning XXXX and no longer pay child support but still shows as a disputed on my credit report. I contacted child support enforcement which is listed as the creditor on the report. They stated I would have to contact the credit reporter to have this removed. I have a letter from Social Security Administration stating we no longer take payments out of me for child support due to the court sent an order to stop withholding. I would appreciate this being remove from my credit report due to its negative effect on my credit standings.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Hello, I would like to submit a compliant against Ally Bank XXXX XXXX XXXX. I purchased a XXXX Jeeo from XXXX on XXXX XXXX, XXXX TN in XXXX of 2016. The dealership chose Ally Bank XXXX for my lender. Two weeks later my jeep was struck by a combine and ruled total loss by XXXX. Weeks after going back and forth with Ally and XXXX on who was responsible for sending what documents. I requested all documents be sent to me and I disperse. XXXX has sent everything I asked for. Ally has not. They refuse to send my letter of guarantee so XXXX can payoff my account. My insurance agent emails and calls every week and so have I. We both have numerous emails requesting the letter. Meanwhile Ally is charging my account interest. I 'm also out another down pymt and rental car fees. They refuse to let me talk to a supervisor or give me an email to a supervisor and their website does n't have enough information. A customer service rep confirmed today they are not answering calls within the United States. They are in the XXXX answering calls for the company. Today, I contacted a lawyer but he said until they give me a letter of charges there is n't anything he can do but write letters. So, I wrote letters today. I contacted the dealership and warned them of using this company as it 's a big negative for them for future customers. All I need is my letter of guarantee to resolve this matter. If you can please help me so I can pay off my account it would be greatly appreciated.

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 monetary relief
Consumer complaint received 2015-04-06 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:
Disputed several accounts with credit bureaus over 60 days ago, still have yet to receive XXXX letter from them.

Company public response: Company 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 — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : Incorrect Address : XXXX, PR XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 


XXXX I would like you to check the date of last activity, date of opening and date of last status because they do not match my records. Please remove this account for it 's errors. 

XXXX I am disputing this account in its entirety because I feel that it is a violation of the Fair Credit Reporting Act. Please check with the furnisher of this account and make sure it is 100 % accurate and verifiable and delete it from my credit report. 

XXXX Please check out date of opening and date of last activity because this does not coincide with my records. Please delete this account for it 's errors. 

XXXX Please review the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX Please run a full examination on this account name and number because it does n't look right and delete this account from my credit report. 

XXXX Please check out account name, number, type, terms and payment amount I do n't think it 's 100 % correct. Please remove this account for violating the Fair Credit Reporting Act. 

XXXX The following items do not seem proper account number, name, type and terms. I do not believe it is on track and this account needs to be removed from my report for it 's mistakes. 

XXXX Under the FCRA, I request an investigation on account type, name and number it does not match my documents. Please abolish this account for it 's 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 non-monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
The collection agency received a debt from my college that was supposed to be paid by financial aid. I called this morning. Without verifying my information ( other than my name ), the collector gave me the information, and then was very verbally abusive, rude, and even threatened to end the call. She refused to send me information stating that she would delete from my credit report even though she advised that she would over the phone. I advised her that she had been calling a number that was similar to my mothers number, but not hers. ( I have had the same number for 13 years ) she advised that I should have updated the information with the school. I tried to explain that I already had my degree and that I did n't know I needed to update the information. I never expressed a problem paying just wanted to have proof that what she said would happen would happen before I paid and that I had record since correspondence and calls were apparently going to the wrong place. She was very hostile. She refused to let me talk to someone else. she threatened to hang up in my face. She told me that she could email me if I paid when I asked for something while on the phone she started yelling at me for my address. I tried to redirect a few times to calm the call and she continued abusing me and threatening to hang up because I was not going to have it my way. I advised her that I was a bill collector and she advised me that I should know the fdcpa or something of that sort. Her name was XXXX and we spoke today at between XXXX and XXXX am today. I tried to explain that this was supposed to be paid by financial aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed XXXX accomts from XXXX stating, " I am no longer responsible for the XXXX accounts ''. TransUnion did not complete thourough investigation to know that the accounts were dismissed in XXXX. In addition, the company agreed to remove all entries related to XXXX XXXX accounts I will provide the court documented and letter from XXXX. Please look into this matter.

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 2016-07-12 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I borrowed {$600.00} from BPL and during the initial process I was told that the pay back balance would be {$810.00} with a monthly installment of {$210.00} via ACH payment. To my surprise BPL took the installment on every pay cycle that is the XXXX & the XXXX and the overall installment would end in 2017. So far I repaid {$630.00} and they advised that the pay off is in fact {$810.00} and the installment would incur fees which was never explained to me at the outset. I consider this evil and would like the Consumer Financial Protection Bureau to help with the following : 1.misleading information about due dates, fees, and total repayment amounts 2.incorrectly stating or implying that the finance fee was a one-time charge instead of an ongoing interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion is reporting my previous mortgage account as currently 30 days past due which is impossible. The loan is paid in full and pays as agreed. I am filing this with CFPB as a pre-cursor to engaging legal counsel. This is BLATANT and malicious reporting by Transunion and I will not be bullied. See below from Transunion : Account Name Balance Balance Date Monthly Payment Term XXXX XX/XX/2015 XXXX Account Details Payment Status TransUnion XXXX XXXX Account Number XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment XX/XX/2015 Status 30 days late Loan Term 360 Loan Type VA real estate mortgage Opened XX/XX/2015 Reported XX/XX/2015 Remarks Closed Creditor Information XXXX XXXX XXXX XXXX , CA XXXX Phone # : XXXX Your 3-Bureau Report is Ready VIEW IT NOW

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 2015-10-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I disputed the above file # XXXX ( 2 ) times in the last 60 days. The pay status is showing account 60 days past due, also shows 60 days late XX/XX/2015 and 30 days late XX/XX/2015. This account was paid on time and paid off. Each dispute Trans Union responded back to me Investigated and no change. Well the creditor ( XXXX XXXX XXXX XXXX ) sent me these 2 letters with apoligies and a {$25.00} gift card for the trouble and they instructed Trans Union to correct the account pay status as Paid/Closed and payment history XXXX XXXX and XXXX See attached documents. Trans Union has refused, and still reports false information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On my Transunion credit report - the service has the following accounts listed that have nothing to do with me. I have not authorized anyone to use my name to acquire credit from these companies. I have been in a XXXX from XX/XX/XXXX until XX/XX/XXXX. I have had many problems with identity theft during my absence from the XXXX. I am trying to clear up the discrepancies. 
XXXX XXXX - ( Closed - Derogatory ) XXXX - ( Closed-Derogatory ) XXXX XXXX - Closed -Derogatory ) These accounts are not my debt, not my responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Threatening to or stating that I have a lawsuit against me in federal court by email. Also called over the last 6 months posing as the XXXX County Sherriff 's office, stating that they are going to file a warrant on me that day and have me arrested at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently hadiscovered to pull my reports for employment and I saw inquiry that had been deleted reinserted.

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