vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
i been dealing with this company not blocking fraudulent accounts and public records from my file for the past almost 3 years as i been going through identity theft. i have sent them countless numbers of official police reports and i also have attached a copy of my FTC fraud identity affidavit which includes every company that i know of that someone used to steal my identity i cant even move forward in my mortgage process for my family because they are also reporting XXXX public records that was filed in error under my name. It 's XXXX bankruptcies XXXX from XXXX and XXXX from XXXX those need to be removed permanently immediately. i have only filed bankruptcy XXXX time which is in XXXX of XXXX. All these errors on my credit report is stressful and depressing and me and my lawyer is thinking of filing a lawsuit for emotional distress due to all this untrue information on my file. it 's hard to even live or get a job with all this identity theft. I demand that all accounts and public records be blocked immediately or i will proceed with the lawsuit against this company in the amount of XXXX XXXX dollars. i have disputed all these items several times and nothing has been done. I have never had a phone account with XXXX never filed bankruptcy in XXXX or XXXX those are filed in error under my name. i have attached a copy of all the information that this company asked for and told me that all this information including the public records would be blocked. I do n't see how they are investigating these items when the companies that im disputing are sending me letters saying they are removing these items but this company still wo n't update my report and let me live a regular life it 's very frustrating and they are breaking federal laws in the process while hurting me and my family.

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 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit Transunion verifies the debt sure the have my ss # and address that does not mean they can report an old debt

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: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: TX

Complaint narrative:
I made a mid month additional principle payment to my mortgage lender. They accepted said payment, but did not apply it stating they did not know what to do with it. They left it in a holding account. The additional principle is for minimizing interest and paying the mortgage off earlier. 
They want me to allow THEM access to bank draft and charge me a fee to do so. 
I find this situation unethical and disturbing in their practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Trans Union is reporting that a bill has not been paid for {$170.00} and is in collection status. The Bill is from XXXX XXXX and has been in dispute status for several months while I was trying to get the insurance company to pay it. Finally got the bill re-coded properly and Insurance company paid it. After 3 attempts to get this resolved, They are still showing it as unpaid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Delbert Services
State: FL

Complaint narrative:
Lender is contacting my husband, in laws and other people and discussing information about said debt, yet has not mailed a notice or even left a message on my phone. I am being told they are preparing to sue me, yet I have no notice as to what the debt is.

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 2016-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is ignoring my requests to investigate, verify and remove some accounts from my credit file that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 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 was involved in the XXXX breach. The surveillance company, XXXX, we were given to enroll in informed me that a collections was entered on my credit report. I told them it was not mine and they investigated. In XXXX they deemed it to be fraudulent and disputed it on my behalf with the credit bureaus. XXXX told me to check in XXXX and that it should be expunged from my reports -- it is still there. They say that they can not do anything else. Can you help me get it removed -- it is effecting my credit score.

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 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I have a charge off in my credit report. I have paid the balance with XXXX. They told me they would report to the credit Bureas to change the remarks from Charge off as bad debt to pd in full as agreed. Since the payment company has said the sent the info to transunion, But i have called transunion a few times with the response they can not change my report. I have been working hard to pay past debts. Going forward maintaining a good credit history.

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 — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The following inquiries were removed from my transunion report but reinserted without any notification to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX wants to charge me administrative fees, interest, and penalties. 

I departed XXXX XXXX on terminal leave in XXXX, XX/XX/XXXX 

XXXX paid final separation payment in XXXX, XX/XX/XXXX 

In XXXX, XX/XX/XXXX XXXX alleges they overpaid the separation amount. 

XXXX, XXXX and XXXX XX/XX/XXXX XXXX sent notices of the alleged debt to XXXX XXXX, per XXXX by phone XXXX XXXX, XX/XX/XXXX, the base I separated from. None were sent to my home address. Meanwhile XXXX has been sending XXXX Account Statements to my home address in XXXX, XXXX XXXX 

In XXXX XX/XX/XXXX XXXX reported this alleged debt delinquent to the Transunion Credit Bureau in violation of the law. The change in my credit rating was the XXXX notice I received of the actions XXXX was taking. Upon becoming aware of the Transunion report I contacted XXXX, said contact is still being ignored by XXXX. I will be at their office in XXXX later this week to investigate. 

Are there other retired military members who have had their financial reputations harmed by the actions of XXXX? Is it time for a class action lawsuit?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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:
information was taking off my credit report and later put back on to 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 2015-05-20 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 have tried a few times to check my credit and I am unable to get my credit report. It keeps telling me the information does not match when everything is 100 % correct. I do n't know if someone could have stolen my identity?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Transition file # XXXX My name, data of birth, address, phone All have wrong info. As well as my inquiry of report, and documented violation

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 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I wrote the credit bureaus and explained the late pays were incorrect. They did not change them. 
Attached are bank statement copies for each month reporting late for XXXX showing I paid on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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:
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 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 non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank refused to transfer a matured CD IRA account by trustee to trustee transfer as I requested well in advance. They failed to disclose a signature guarantee requirement. They made me take it as a distribution causing needless delay, loss of interest income and red tape in my doing a rollover. They benefited by the delay in having the money for an additional number of weeks. They admitted being arbitrary and unnecessary in requiring a signature guarantee when they already had a signature agreement on file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-12 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:
I disputed this fraud account that is being reported on my credit report to TransUnion account XXXX XXXX for an amount of {$160.00}. I also provided a police report and a Federal Trade Commission Identity theft report showing that this account is fraud and does not belongs to me. TransUnion performed their investigation, and responded back to me stating that my ( MAILING ADDRESS IS INCORRECT ) ; yet they mailed me the notification to my address and ignored the issue that fraud is being reported on my credit file. 

TransUnion ignored my notification that this account being reported on my credit file is fraud, and the copy of the police reports and Federal Trade Commission Identity theft 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 2016-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This account was submitted to Cfpb on XXXX/XXXX/XXXX, as a collection report on my XXXX Credit Report. As of XXXX/XXXX/XXXX, this acct. was removed from XXXX. I am requesting that Transunion also remove this as well. The company did report that it would remove this acct. from collections. Company placed these accts. in collections for dates of service : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. These were for injections for my knee weekly @ {$600.00} per injection. Prior authorization from office manager told me that they would accept whatever my insurance company paid and I would not have any additional charges sent to me. The company has agreed to remove the {$330.00} charge and submit it as closed. They have only submitted to XXXX and still have this collection showing on my Transunion Credit Bureau.

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 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
transunionXXXX XXXXstatus showing collection/charge off ( should be unknown ) account was included in chapter XXXX bankruptcy filed XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I initiated services with XXXX they made a hard credit inquiry without my permission neither written nor verbal though Transunion. The Credit Reporting Agency was Transunion, the inquiry was requested on XXXX XXXX, 2016. Multiple calls to XXXX and playbacks of the call recordings confirmed that I never consented to a hard inquiry. I started this process in XXXX and still have received no confirmation or reversal. XXXX provided the address of their headquarters and informed me that I need to write a letter to remove the unauthorized inquiry. The letter was returned unopened by the postal service I then contacted Transunion who informed me that I may not have the inquiry removed without authorization from either XXXX or a government bureau. 
This inquiry is damaging to my credit and I have limited time to solve this case before I deploy.

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 2016-01-14 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: CA

Complaint narrative:
Was notified by a collection agency that they were attempting to collect on an online loan made by someone using my name and social security number. The said loan was made in 2014 but the company is just now attempting to collect. Collection agency has not been forthcoming about any information and will not verify any details about the fraudulent loan ; all they want is money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A company called XXXX performed a credit inquiry in my credit report without my consent. I called Transunion and they told me there 's nothing they can do. I contacted XXXX and they told me they performed the credit inquiry because XXXX includes credit inquiries authorization in their hidden terms. I specifically asked them NOT TO PERFORM a hard inquiry. Now they all point fingers at each other and they do not want delete the inquiry from my credit.

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 2016-12-20 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:
TRANSUNION & XXXX XXXX XXXX did NOT provide me a XXXX release that releases my medical information to transunion, also this item was removed from my credit report then put back on my credit report under a new account number XXXX, I have all my record letter, therefore by providing such information they are in VIOLATION of my XXXX rights also the FCRA..

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 2015-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I applied for a auto loan at One auto dealer and it is now showing that I have XXXX hard credit inquiries so of of the other dealerships I visited must have done a Hard inquiry when I did not give them permission ... the only auto dealer that should have done a hard inquiry on my credit is XXXX XXXX and no one else was given permission to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
The interest rate which I am charged is through the roof!!!!!!! I know my credit score was not the greatest but the amount of interest they are charging me is going to end up passing the amount of what the car is worth. ITS ABSURD!!!!!!!!!

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 2015-08-18 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:
I have disputed this issue with the other credit reporting agencies as well as TransUnion and only TransUnion has failed to remove this erroneous and derogatory notation from my credit file. TransUnion seems to be all talk when it comes to " reinvestigating '' problems with credit files as they have assured me twice now that this would be reinvestigated and that I would be contacted by mail and neither has happened. Both XXXX and XXXX have done both of these and have resolved the issue by removing this creditor in full from my credit file. I need for TransUnion to followthrough with actions and deeds and not just empty words saying they will do what they seem to be unable or unwilling to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed incorrect information reported on my credit report and asked for verification and validation of debt. I did not receive validation and verification of debt. The request has been over 60 days. The debt is with XXXX and US Dept of Education.

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 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I had inaccurate information display on my student loans credit trade lines. After the Department of Education completed their investigations, they sent a correction out to all the credit reporting agencies to correct the inaccurate information and to show no late payments on my student loans trade lines. They also sent me a copy of their findings and sent me documentation stating they had made the correction to my credit report. All the other credit agencies made the proper changes to my report, accept Trans Union, which deleted all of my student loans with XXXX, They have tried to replace the loans back onto my credit file but to no avail. I have spoken to Trans Union and have asked them to put these items back onto the credit report, but was told there was nothing to be done about it, and that these could n't be placed back onto my credit. They took these items off without my permission or knowledge. They created this problem, and should be made to fix it. I would like for this to happen as soon as possible. my credit has taken a toll because of their mistakes. I want my loans put back on my credit file, and shown properly with no late payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief