vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The XXXX account # XXXX is showing a negative 30 day mark on my credit report for XXXX. I have called them to dispute this multiple times as I was not aware that a payment had not processed. As previously stated to them, this was set up on auto pay with my XXXX account, NOT home depo, and for whatever reason did not get to them. When I was notified, I immediately paid the account and it is even paid in full/off. XXXX XXXX had very good customer service and understood what happened, they refunded all the fees and late fees associated with the error. I appreciate that, however I do not feel this should have been reported on my credit report. I have talked to multiple representatives after, and they all advised that once reported they cant remove. They again proceed to say we updated everything on there end and credit me any fees, however I am disputing the 30 day late reporting on my credit report. I kindly ask you please remove or advise what next step I need to take as I strongly feel this was incorrectly reported.

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 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit report shows I have an outstanding debt to XXXX XXXX. This debt was paid in XXXX. According to them on XXXX XXXX they updated that it was payed. It is now XXXX and my credit report shows the debt still unpaid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I view my credit reports Transunion that reporting that from collection creditor ( XXXX ) account number XXXX.Adress XXXX.I contacted with XXXX collection department .I spoked with supervisor employee name XXXX and his contact number are XXXX.He verified account are not under my SSN or address and is not my account and I also talked to Transunion they cant not do anything but disputed, and i already did as XXXX/XXXX/2016 and file number XXXX and contacted with supervisor transunion XXXX from consumer contact dept.

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 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed with Transunion, but I have not received a final reply. I had to log in under " initiate dispute '' to view my credit profile and see that the items : XXXX XXXX, XXXX XXXX ( XXXX accounts ), and a bankruptcy appear on my credit profile. I started my disputes in XXXX 2016, and recently sent a final letter XXXX/XXXX/16 asking the bureau to send me documents verifying these account. These disputes are going on 6 months, and I have not received a document that validates these fraudulent accounts. As a victim of identity thief it is very important that these item be removed. Under FCRA section 611 ( a ) ( 7 ) a consumer has the right to ask for a receive verification documents within 15 days of an item being verified. My letter being sent XXXX/XXXX/16 asking for these documents is over 15 days old. Where are the said documents? My log in date for Transunion is dated for today. Still these items exist on my profile and still I have received anything from Transunion. As of yet, I have not pursued a law suit against Transunion, but as it is stated under law, I can initiate a law suit for resolution. This is outrageous, that it is taking this long to investigate and provide documents. It is hard enough being denied credit as a victim of identity thief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM FILING THIS COMPLAINT BECAUSE TRANSUNION HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USE TO VERIFY THESE ACCOUNTS. ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX 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 MATTER AS SOON AS POSSIBLE. I SENT IN A THEFT REPORT NOTARIZED AND A COPY OF MY DRIVER LICENSE AND COPY OF MY SS CARD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 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 have submitted XXXX disputes with TransUnion over the past several months. I have not received a single response from them via US Mail with the results of their investigations. I also have not seen any changes on my credit report based on the credit report that has been provided to me by my credit monitoring service.

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 2015-12-16 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:
File number XXXX dated XXXX/XXXX/2015 by Transunion reflects on page XXXX of XXXX ' XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Paid Collection shows above XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX IN MY LIFE. NOR FINANCED XXXX TRANSUNION SHOWS A 30 DAY LATE WHICH IS WRONG

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Coastline Financial Resources, LLC
State: NC

Complaint narrative:
i received a voicemail message from a XXXX XXXX XXXX from Coastline and Associates/Prodigy Portfolio Management stating that unless I returned her call and set up a payment plan on a credit card debt from XX/XX/XXXX or XX/XX/XXXX that they would take legal action. At the time i was on pain medication, having XXXX the previous day and was frightened enough by her to agree to a payment arrangement. Needless to say, I have no recollection of that conversation. When I called to ask why they had debited {$50.00} from my checking account she said i agreed to it and the call had been recorded. I 'm sure anyone listening to the call could tell i was under the influence of XXXX. She became extremely belligerent, threatening to sue me - what a laugh, i 'm XXXX and own no property. The more research i have done on these companies they seem to be a scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have never gone by XXXX XXXX. I am thinking it is some kind of identity theft. Please let me know what I need to do to get this name off of my credit reports. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There are XXXX inquiries that I HAVE NEVER MADE! WHO DID THIS? 
THE FIRST IS FROM XXXX XXXX THE SECOND IS FROM A COMPANY CALLED XXXX. I HAVE CONTACTED XXXX COMPANIES AND THEY HAVE NO RECORD OF ME OR MY SS # ANYWHERE IN THEIR SYSTEM 'S!! HOW IS THIS HAPPENING N MAKE IT STOP!!!!

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 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is listing XXXX paid parking tickets on my credit report that should be removed per the settlement with Attorney General XXXX XXXX. I 've attached a copy of the relevant section of 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 2016-04-19 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc
State: NJ

Complaint narrative:
I check my creditor score and XXXX of XXXX was on it,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: HI

Complaint narrative:
Ally bank decide to put a restriction on my saving account without letting me know. There is no way I can get the money back. Our hard earned money! And still they say they rated XXXX 5 years in a row.

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 2016-07-20 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:
TRANSUNION HAS REFUSED TO INVESTIGATE AS FRIVOLOUS IN CFPB XXXX.THE REPORTING ORIGINAL CREDITOR XXXX, ACCT # XXXX HAS ASKED THE CFPB IN XXXX FOR MORE TIME TO INVESTIGATE THE SAME CLAIM.TRANSUNION DECLARES THE CLAIM TO BE FRIVOLOUS ON THE CREDITOR THEY REPORT.THE ACTUAL CREDITOR REPORTED ON, XXXX DOES NOT FIND THE CLAIM TO BE FRIVOLOUS.TRANSUNION WANTS TO PREVENT THE 30 DAY TIME PERIOD FOR INVESTIGATION FROM TAKING PLACE WHICH IS MY RIGHT ON THIS FRAUDULENT REPORTING ACCOUNT.TRANSUNION IS THE EXTORTIONATE ARM OF THE FRAUDULENT REPORTING CREDITOR.IN THE CFPB XXXX I HAVE DETAILED THE INACCURACIES SPECIFICALLY AND WHAT IS INCOMPLETE SPECIFICALLY THAT THEY REFUSE TO ADDRESS. 
I HAVE ATTACHED THE XXXX PAGE OF XXXX INVESTIGATION XXXX AS PROOF OF XXXX ON -GOING CURRENT INVESTIGATION AND I HAVE ATTACHED THE PERTINENT FCRA LAW THAT IS APPLICABLE TO TRANSUNIONS INACCURATE REPORTING OF DOFD, 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 non-monetary relief
Consumer complaint received 2015-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I see that there are XXXX hard inquiries on my credit that took place on XXXX XXXX, 2015. XXXX is from XXXX and the other is from XXXX XXXX. To the best of my knowledge, I did not apply for any credit nor do I have any reason why there would be such inquiries on my account. Can you please find out why these XXXX companies were checking my credit please? 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
That Transunion needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. 
The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. 
MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PREVIOUSLY DISPUTED AN ACCOUNT ( XXXX XXXX ) ON MY CREDIT BUREAU. THE ACCOUNT WAS REMOVED FOR ABOUT 3 MONTHS. AS OF XX/XX/2016 THE ACCOUNT IS BACK ON MY CREDIT REPORT WITHOUT BEING GIVEN NOTICE OF INFORMATION BEING REINSERTED. I AM NOT ASKING FOR A REINVESTIGATION.

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 2015-10-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
i lost my business and lost almost XXXX doller and my debt collecting companies were keep calling frequently and any how i managed to pay off all their debt and i made settlement on time, but the have destroyed my credit score history and they put as a charged off account on my credit report. i need please attention to the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was informed by a mortgage lender yesterday that my mortgage application was denied due to the reporting of a Ch. XXXX bankruptcy in my TransUnion records. I 've never been in bankruptcy, and this was my very first indication of any problem with my credit EVER. The other XXXX agencies, XXXX and XXXX do not show such information, and none of the XXXX agencies, including TransUnion, show so much as a late pay in my many decades of credit history. My FICO scores have remained high throughout the period TransUnion shows a bankruptcy ( XXXX ). This is obviously a clerical error on the part of TransUnion, but has damaged my credit so that I am about to lose a property I have gone under contract to purchase. Time is of the essence here, but I evidently can not get in touch with anyone directly to help me, and must await the slow process of dispute resolution .... Can anyone, anywhere help me now???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 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:
XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX FL XXXX To Whom it May Concern : XXXX, TX XXXX XXXX, GA XXXX TransUnion , LLC XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Creditor Name Inquiry Date Removed By* Type XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX FL 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 2015-10-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Auto agreed to let me skip XXXX payments in XXXX and XXXX of XXXX due to my employment layoff. A partial payment of {$260.00} was made on XXXX, skipping XXXX, and then a final partial payment on XXXX/XXXX/XXXX. In reality you are skipping XXXX payments. My next full payment was due in XXXX XXXX. I paid the full payment due starting in XXXX XXXX up until right now. They are reporting me over 30 days late in XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. If you look at my payment history on THEIR OWN PRINTOUT I paid every month and never late. I have tried to work w/them you get back in the mail is a " form letter '' saying their reporting is accurate. There is no name nor no signature. They honestly do n't want to help. My credit score has plummeted over XXXX points because of this. I have their printout of all my payments made and I agree with it. I believe the skipped payments have caused an effect making my account " look '' like I was continuously " behind '' when I was n't. I paid on time until my next approved skipped payments in XXXX XXXX. In fact, why did they not report me late XXXX? Why did they skip that XXXX? It makes no sense. Just another point their reporting is flawed. 
I have had this loan since XXXX of XXXX and was never late all that time. Their own printout clearly shows I made my payments. I honestly do not think they care or someone would have called me and not sent me a just a form letter not even signed. When you call you are lucky if you get someone with some smarts. They are like robots in their canned response. I do not know where to turn at this point. 
Being in the mortgage business has caused numerous layoffs and I have always honored my auto loan. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
cosigned for a loan for XXXX. she had all cash in bank at the time to pay off loan. 
when I read the information they had changed that XXXX lived me which she did not and that she worked for me which she did n't. she then paid off loan after ally finanancial said the transaction would happen immediately and then XXXX removed the funds from XXXX bank and took possession of car. Ally financial did not let me know till nine days latter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 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: TX

Complaint narrative:
This company continues to report on my credit report after I  sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My daughter has been paying my credit card every month on the same date. Now all of sudden Capital One post on my online account this Noticed " Oops! Looks like your account is behind. You can easily make a payment now or learn about missed payments. If you recently made a payment, you can check the status. Thanks! " I have call them and ask why all of sudden my payment is so call late when we pay every month the same date. The agent was rude and telling me that I have n't made a payment. But I can show payment are done every month on between date of XX/XX/XXXX to XX/XX/XXXX. We even pay online through their website the so call {$100.00} I was so call late on. Still that Alert on my capital one account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08 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: I.C. System, Inc.
State: TX

Complaint narrative:
I contacted company on several occasions to clarify that the debt is n't mine.

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