vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am sending in a second request to Experian for my free credit report - I completed the annual credit report form I down loaded off the annual credit reports site as I do every year and mailed in and ever year Experian comes back saying they can not fine me and like now there letter says I did not provide the required information yet I have my information from the other XXXX. It seems that every year they do this to me and I send back a letter with a copy of the completed from and threaten to notice the FTC and you about this - all of a sudden they find me and provide XXXX copy - so my question is why do you allow them to get away with this - I just want my report I do not want my score etc - but every Experian does this

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01 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: TX

Complaint narrative:
It is a XXXX Bill that they had told me. I did not make that bill. I have told them over and over. I did n't make that bill. I want it off my 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 2016-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Company never sent letter to advise me of this supposed debt. I found out about this from pulling a copy of my credit report ( s ). 

I have never heard of or have done business with the original creditor as stated on my credit report ( s ) by this collection agency. 

I have attempted to obtain information on the original creditor and it appears to be a " Pay Day Loan '' type of business. I have never needed or used the services of a Pay Day Loan or Cash Advance type of company. 

This debt is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My identity was recently stolen and the fraudsters have attempted to use my identity to open a number of credit accounts with retail establishments such as Macys, XXXX, XXXX XXXX, XXXX XXXX, XXXX, etc.

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 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I 'm having issues getting results for my disputes i have called the credit bureaus numerous of times and they are refusing to help me every time i contact the credit bureau in regarding my disputes they give me the run around for ex. i called and asked for my results because it has been over 30 days the rep states it came back verified i asked for proof of the verification then the rep tell me that its still under investigation they refuse to provide me with the proof of the so called verification they give me different dates that i have called and disputed

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 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hello, I asked TransUnion and XXXX to delete an Account from my Credit Report but was unsuccessful in my efforts. I asked them to send me proof of validation but they failed to do so. I would like you to look into this and help me correct / delete an Account that is not mine from my Credit Reports with these two Credit Bureaus. 
Thank you very much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 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:
On XXXX and XXXX my Transunion reports from XXXX XXXX showed no inquiries. 
This was a glich in TransUnions site, on XXXX they all reappeared, I was never informed the 5 days per FCRA section 611 by TransUnion, I called on XXXX and spoke to XXXX in the Special Handling Deparment, informed her of the information and asked for the inquiries to be deleted. She stated no. TransUnions glich was not in my control and now that they have broke the law and affecting my credit negatively they do not want to do what is right ( per law ) since they broke it. Please advise.

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 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Within in my credit report I have that in 2010 I filled for unemployment, when this is impossible as I am self employed. On my son 's report ( he has the same name as me ), he has that he has paid a few vehicles, which were mine. So it looks like we have mixed information.

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 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing a complaint in reference to a dispute for accounts that are being reported incorrectly on my credit report XXXX Bank who holds accounts for XXXX XXXX XXXX. The have continously ignored my request to conduct a proper investigation and report the correct account information. They have not provided me with the documents that their company have on file that was used to verify the accounts. I have sent numerous letters requesting these documents that they have yet to send. I 've contacted to original creditor and they could n't even provide me with the proper information so how could the credit bureau verify this? Under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act- they are requested to " promptly delete all information which can not be verified '' that I sent correspondence on. I would like this matter resolved as soon as possible. This is really disrupting my livelihood the blatent disregard to send me the information requested and verify this account.

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 2016-10-28 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 a letter to XXXX regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from 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 2016-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Pacific Union Financial, LLC
State: OK

Complaint narrative:
Applied to refinance existing mortgage. Provided documents asked for including XX/XX/XXXX and XX/XX/XXXX tax returns and XXXX. I wanted the mortgage refinanced based upon mine and my wife 's retirement income. The tax returns shown sources of income/loss other in addition to our retire income. The losses were due to horse business. In XX/XX/XXXX my wife had some health issues and we decided to close the horse business. Because we closed the business during the year we still detected from our XX/XX/XXXX income taxes. The underwriter wants to continue to use this in their income to debt ratio calculations even though we have provided a letter that states we are no longer in the horses business. In addition the XX/XX/XXXX tax return shows income from an employer which they do not use in their income to debt ratio calculations. They are selectively picking data and ignore other data that is available.

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 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANSUNION AND XXXX WILL NOT GIVE ME MY REPORT NEED THEM ASAP CAN NOT WAIT 15 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 non-monetary relief
Consumer complaint received 2015-11-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TransUnion failed to respond to my dispute letter and they failed to verify that these accounts belong to me before the end of the 30 days period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06 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:
I SUBMITTED A DISPUTE TO TRANSUNION FOR COLLECTIONS PREVIOUSLY DELETED FROM MY CREDIT FILE, THE RE-ADDED. I AM NO LONGER LIABLE FOR THE DEBT AS IT WAS PAID BY MY INSURANCE CO.

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 2016-02-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I am writing this letter because my consumer rights were violated by Ally Financial Services from misstating the balance due. 

I was a co-signer on my mother 's XXXX XXXX, when she purchased it XX/XX/XXXX. XX/XX/XXXX, my mother filed bankruptcy but still had the Chrysler. I found out about the bankruptcy from a family member. I 've never received any documentation from Ally stating such. 

I, checked my credit report and it showed payments still being made on the Chrysler even after my mother filed bankruptcy ; up until XX/XX/XXXX. XX/XX/XXXX, the account was charged off. 

Also, I noticed my XXXX credit report had a balance of XXXX for Ally and XXXX and XXXX had a balance of {$0.00} so I disputed the balance with XXXX. After the completion of my dispute, Ally changed the balance on XXXX and XXXX credit reports from a XXXX balance to a balance of {$27000.00}, which is " Misstating the balance due '', and a violation of the FCRA. 

When I disputed the balance with Experian, Ally reposed the car from my mom place of residence. After the car was reposed by Ally, is when I received documentation from Ally about the car but nothing before the car was reposed. Since, I 've asked Ally for proof of the bill of sale and they have ignored my request. 

Sincerely, 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
Consumer complaint received 2015-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is reporting inaccurate information in my credit report. There are XXXX negative items ( XXXX, XXXX ) being reported for more than 7 years since the first delinquency day. One month ago I submit a dispute, but the results came back with different days and not corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 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:
I have tried numerous time disputing inquiries with bureau stating that I did not apply for a job or was granted credit with these people and wanted them removed told them I tried sending letters to creditors with no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I called into transunion in XXXX and spoke with a supervisor about XXXX XXXX accounts that I had that where due to come off my report. I told him that the open date and the date of first delinquency was wrong and according to my records, it was time for them to come off my report. The supervisor told me that if I called back in XXXX of 2016 and requested a supervisor to look at the accounts, they would remove them immediately. I was ok with this because it was only a few months. I called back today and requested a supervisor. I told him what I was told in XXXX and that I wanted them removed. He looked at the accounts and told me that because of the dates they have reported, it would be XXXX of this year before they would be removed. That is not what I was told and the dates of the accounts being opened are not the same as what they where when I called in XXXX. I think that is the reason why this supervisor said they wouldnt be removed for another 10 months now. There is also a collection associated with XXXX of these accounts that should be removed as well because of the dates of first delinquency. The accounts are XXXX with account number XXXX, XXXX with account number XXXX, XXXX with account number XXXX, and XXXX XXXX with account number XXXX. All XXXX XXXX accounts where opened on the same date and the last payment was made at the same time. This was over 7 years ago which means they should be removed according to the FCRA. I just want the accounts removed like they said they would do since it is past the time they should be reported. I do not want them disputed as I did that already and I think that is what caused the dates to moved and now I am having problems getting them removed. Transunion needs to honor what they say and remove all XXXX accounts since again, they are past the time that they should be reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I accessed my free credit reports ( XXXX, XXXX and transunion ) on XXXX. I received my report online from XXXX. XXXX always denies an online report and requires a mailed request and sends a mailed copy 30-90 days later. ( I am getting tired of this delay from them when I used this online service, but did not file a complaint ) My problem is that the TransUnion Website I was directed to stated it was unable to process my request and to come back later. Back at the XXXX site, it registered that I had received my free report for the year. Now I can not get my report, at least not for free. 

I send a complaint to XXXX re : TransUnion, but that was only an hour ago and I have not gotten a response yet. 

I feel these companies are making it difficult so that people who need their report right away will pay for it instead. Please help me get my free online credit report from TransUnion ( and if possible from XXXX also. ) Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have informed Trans Union many time that XXXX XXXX bank has fail to verify the accuracy of this account Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] .The amount owed is incorrect XXXX XXXX bank claim to have received payments I did not make. my name is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX, 2016 I received a letter from XXXX XXXX XXXX in response to my letter sent on XXXX XXXX, 2016 in which they claim to have received the letter on XXXX XXXX, 2016, which happens to be 17 days from the date sent, claiming to have validated my alleged debt with them. The date on the letter they mailed me stated XXXX XXXX, 2016. This company has violated the law in regards to a response within 30 days total from the date received. The account has already been deleted from my XXXX credit report for failure to respond in a timely manner. It is not my responsibility nor problem that they cant pick up their mail or respond within the legal timeframe of 30 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 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please review all the comments in the previous complaints fromTransUnion. Trans Union has been arbitrary in their research and assistance and just did not provide any fair form of adjustment in the wording of the account in dispute. Due to the length of time, I think Trans Union should not penalize me any further by reporting information that is wrong and of which they do not even understand what the court decisions assume has be completed by the attorney in the case. It appears that TransUnion did not investigate my complaint and faked having irrefutable information in support, refused to provide a copy of the irrefutable information which delayed my search, restricted communication to prevent proper investigation of my dispute from XXXX. I found the correct information that was the irrefutable proof I had a legitimate dispute. A copy of the certified letter I sent to Trans Union is attached to this complaint.

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 2016-11-20 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:
Have hard inquiries on my credit report for someone trying to get a card with my information. Not me it is showing XXXX hard inquiries on Trans Union.

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 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Past address is not mine. 
XXXX, XXXX never lived or worked there. 
It might belong to the other XXXX XXXX XXXX that lives in XXXX XXXX. 
The only other XXXX XXXX I know is my uncle that lived in XXXX, XXXX, and he died a few years back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I paid my balance in full to reflect on my credit report through ADS XXXX XXXX XXXX , XXXX XXXXthe original creditor was XXXX XXXX orignal creditor acct # XXXX, when I went to apply for a home loan the mortgage company pulled my credit and it does not show as being paid in full and still shows a monthly payment and shows as delinquet and was not deleted as promised by the creditor upon payment. XXXX has already deleted this off of my credit report and I would like to request that XXXX and Transunion does the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This specific XXXX Account # XXXX ( Credit limit of {$2600.00} ) Should be deleted from my entire credit profile. XXXX has requested the deletion but the Credit Bureaus have been dragging their feet with getting it deleted and this is slowing up my New Home/ Mortgage loan approval. Please have it deleted so i can move my family into our new home. Thank you in advance!

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 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX 2014 unpaid for {$37.00} I have never had any XXXX service in my life with this company Please fix this problem from my credit

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