vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX is flagrantly listing wrong information on my credit report that does not include any payments made, nor the correct balance, nor any dates of payments. The information that is listed by XXXX on my Credit report is wrong. The accounts need to be deleted from my credit report as they contain wrong information in flagrant violation of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Inquiries were removed from my credit report and re-added without any documentation or reasoning received. 


XXXX XXXX XXXX, XXXX Trans Union 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 2016-04-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have disputed and requested debt validation from Portfolio Recovery Associates on an account I found on my credit report. PRA has not sent sufficient debt validation after XXXX sent certified mail return receipt. PRA has continued to report derogatory information to all XXXX credit bureaus. PRA has also failed to notify XXXX this account was in dispute until after 60 days when I notified them of their error. PRA is in violation of the FDCPA and is not reporting accurate information. As a consumer I am extremely frustrated trying to work directly with PRA as their business practices are not ethical or accurate. I will continue to dispute this inaccurate account until my voice is heard and action is taken. Thank you for your time! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are XXXX XXXX Accounts on my credit report, please note the acct numbers - This is Account XXXX Account Number XXXX 1. This account is Closed and has a CLOSED DATE 2. This account should say " PAID/CLOSED/XXXX BALANCE '', and not Current in its PAY STATUS 3. This account has incorrect Pay History. 
4. This account has incorrect Balance History 5. Please validate this account, and its Pay Status, History and Balance 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 2015-08-07 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: FL

Complaint narrative:
Tried to get my credit report from Transunion on line, they asked me questions that have nothing to do with me and pertain to erroneous info they keep putting on my report for another person. As a consequence of TransUnion incompetence and negligence the questions they ask are nothing to do with me and of course the answers are not correct so they refused access to my credit report. They then tell me I have to contact them by phone and provide the tel number which wasted my time and phone minutes only to tell me to contact another number XXXX XXXX XXXX which of course wasted more of my time and most of my phone minutes for the month only to turn out to be the phone number of XXXX XXXX not Transunion. My job has been affected, my security clearance is in jeapordy and I have been denied financing and mortgage because of Transunions wrongfully reporting bad information on my credit that does not pertain to me. Transunion are destroying my life and refuse to provide my a copy of my credit report or access to it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
this account is to old and is not verified I want to see the contract that XXXX XXXX has with this company that allows them to report to my credit that is my right I want to know how for sure they know I owe this debt I want the a the on sight notes when this company became a member I will not take a update in XXXX XXXX as proof that this company has my ss # ans address

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 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Trans union allowed companies to access my credit report with out my permission. I have sent the unauthorized companies letters that have not been replied to and I have sent Trans union certified copy 's of letters to investigate and delete the unauthorized inquiries and it has been over 45 days and still it has not been done. XXXX XXXX has been discharged for over 7 years mus be deleted. 

I have included a statement of truth to prove I am telling the truth, please delete ALL the unauthorized inquiries from my credit report and XXXX. please do n't force me to sue I have documented every thing and I will win.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX ss # XXXX dob XXXX Inaccurate Reporting of XXXX XXXX in bankruptcy on my report A XXXX bankruptcy must be listed accurately in my credit report. 

the Dates and court numbers the high balance and the payments are incorrect I demand you show me the following Method of Verification : ( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the 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 2016-07-31 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
XXXX XXXX sold my file to AD Astra Recovery Services. This was paid and has been disputed with AD Astra several times. They reported on all XXXX credit bureaus, received an attorney letter plus has been disputed with all XXXX credit bureaus since XXXX 2011 and they refuse to remove it. Statute of Limitations in Texas is 4 years. They are a debt buyer illegally reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In XX/XX/XXXX, a Collection Matter appeared on my Trans Union and XXXX credit reports, in the amount of $ XXXX Collection was an alleged amount owing to XXXX. 
I disputed this Matter, and it was removed from my XXXX and Trans Union credit reports, in late XX/XX/XXXX 
As of XX/XX/XXXX, the inappropriate Matter has been reinserted to both my Trans Union and XXXX credit reports, this time, under the name of XXXX. 
The amount of {$660.00} is the same, further proving this is the same alleged Matter, again misrepresented by another Collector. 
I ask that this inappropriate information be once again removed from both my Trans Union and XXXX credit reports. 
Should you have any questions, please do not hesitate to contact me at your earliest convenience. 
Again, thank you for your continued assistance with this Matter. 

Sincerely / XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XXXX XXXX 2016 I requested for equifax to remove the following accounts XXXX # XXXX XXXX XXXX XXXX XXXX/2016.because according to the consumer credit reporting reform act of 2016, which state all negs, paid/settled accounts should not stay on a consumers credit report after 45 days after payments.attached to the request was XXXX XXXX for XXXX and XXXX for XXXX XXXX XXXX to show filed date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
yes ally bank was suppose too 2 weels ago send me forms in the mail for deffered car payment???? they are giving me therun around????? they were suppose too also fax theforms too??? plussend regular mail?????? very upset lied too????

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 2015-09-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
My son-in-law missed his truck payment om XXXX XXXX, due to cutbacks in the XXXX, it is a leased vechile, i signed for him, now they continue to call me every day, XXXX a day now XXXX XXXX is calling me the other is ally financial the main company ... .He sent them a payment, but they continue call my number..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I 've asked this company several times to remove themselves from my Credit Report. Please have them removed from my Credit Report as they 've been leaching on it since XX/XX/2014!!!

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 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I had a XXXX XXXX XXXX XXXX Account opened in XXXX and the last time used my account before I closed them was XXXX XXXX. My account was paid in full at the Branch in Maryland in full. XXXX XXXX reported my account to the credit reporting agency as paid in full. I check out my credit reports in XXXX of this year and XXXX XXXX XXXX XXXX have my report showing negative information. I called XXXX XXXX and they stated what they report is correct and that 's a false statement. Someone please help me with this case. I will take a lie detector test to show you all that my statement is true.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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 have several items on my credit reports that have been disputed with XXXX, XXXX, and Transunion. I have been ignored on some disputes, and sent generic non-personable responses on others.The FCRA ( section 611 ) requires that credit bureaus provide me with the method of verification upon request from the consumer, and within 15 days of request.I am aware that the XXXX credit bureaus typically handle disputes internally by using 3rd party software such as XXXX, and rarely contact the originalcreditor directly.Iam concerned about the validity and accuracy of your recent investigation of disputed info that is reporting on my credit report.Irequested an investigation because Ifelt the items were not being reported legally.Ihave since received a letter stating that your investigation was complete.Please explain to me how you conducted your investigation regarding the following accounts : 1. XXXX County Magistrate- ( XXXX docket # 's XXXX/XXXX/XXXX ) 2. XXXX- # XXXX 3.XXXX- # XXXX ( sent you a request to delete and you have not deleted ) 4.XXXX- # XXXX 5.XXXX XXXX- ( # 's XXXX,XXXX inserted XXXX with XXXX different amounts,XXXX ) 6.XXXX- # XXXX 7.XXXX- # XXXX 8.XXXX- # XXXX 9.XXXX- # XXXX 10. XXXX- # XXXX 11. 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 non-monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TransUnion deleted all inquiries prior to XXXX 2016. They reinserted all the inquiries a week later without proper notification being sent. Since then I have contacted TransUnion via telephone multiple times, I have also written letters that were sent via certified mail. They have been uncooperative in correcting this matter. All inquiries prior to XXXX 2016 needs to be deleted and my credit report needs to updated to reflect the most accurate information. Please help me to ensure that TransUnion follows the law. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am XXXX Veteran and I reported all my award letter information XXXX. I spoke with them and was told that they told TransUnion that my student loans had been discharged to Zero balance due to my XXXX veteran status. TransUnion did several investigations and refuse to remove the student loans from my credit report XXXX. I can not make purchases of a new car or home due to these erroneous items still being listed on my credit report thus lowering my score significantly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 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: ID

Complaint narrative:
I want to freeze my child 's credit reporting files through all XXXX major credit reporting agencies. None of the agencies have documentation that is easy to find regarding this subject. While some states mandate this, others make is very difficult. Where can I get proper information about how to accomplish this freeze - and why is this not the default behavior for children who are n't legally old enough to access their credit report in the first place?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 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:
I dont know where this XXXX bill is coming from I have never had XXXX.

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: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion Credit Bureau has reported another unverified account on my credit report. This is a constant violation of Section 609 of the Fair Credit Reporting Act. 
Credit Bureaus are required to verify signatures on Contracts submitted to validate the debts.

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 2016-08-12 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:
I have disputed XXXX incorrect addresses reporting on my credit with Transunion over the last few months. However, I have not had any successful with getting these incorrect addresses removed. So, I need your assistance in getting this matter resolved. The incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, XXXX, GA 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 non-monetary relief
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: DC

Complaint narrative:
I contacted Transunion to express concern about a judgment that has been placed on my credit report ( XXXX ) According to the XXXX XXXX Court, the judgment is from XXXX and the plaintiff is XXXX XXXX. I explained to the representative that they are reporting the wrong persons information and they told me they cant remove it and that it is up to XXXX to remove the error. I further explained that they have the wrong persons information attached to my report and they did not seem concerned about the fact that a judgement has been placed on my credit file in error, which has caused major damage to my credit score. I need for the erroneous information to be removed from my credit report immediately.

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 2015-06-09 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: FL

Complaint narrative:
In the XXXX 2015 issue of XXXX Bulletin, page # XXXX. R.I.P Off by XXXX XXXX. Social Security death file ; XXXX XXXX advised ; that starting a month after the death of a relative to check the departed 's credit report at Annual Credit Report for suspicious activity .Which i did and as i send all my personal information, at Trans Union it became apparent tha the page is a fraud .The sad thing is that they got my Social Security info and other personal data ..Thank you..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17 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:
multiple inquiries from the same companies reported several times and I spoke with the credit bureau before and they removed them and after there crash they where reapplied. Please remove these inquires immediately XXXX XXXX XXXX-they are no longer in business and ran numerous credit inquires against my agreement XXXX-ran my credit once and its reported over and over again as an inquiry XXXX- never authorized this inquiry I was a victim of trans unions inquiry issue and all old inquires were replaced also- XXXX XXXX XXXX XXXX XXXX these where all previously removed and now they are all listed on my credit file twice due to transunions problem please remove them thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Even though XXXX* told me, both in writing and over the phone, that they have retracted the negative information that was falsely reported as " late '' for XX/XX/XXXX and XX/XX/XXXX payments, as of XX/XX/XXXX ( that is 6 weeks later ), the negative information is still sitting on my TransUnion credit report. 

*The person that I spoke with at XXXX is XXXX ( extension # XXXX ) at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Original dispute case number unwilling to correct Describe what happened so we can understand the issue ... 

all fraudulent inquiries : XXXX XXXX/XXXX/XXXX BK XXXX XXXX XXXX/XXXX/XXXX BK XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXBANKXXXX 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 XXXXBANK 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/XXXX XXXXBANK XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX as well they do n't list that i only now have XXXX XXXX account and the credit limit is XXXX i have told these people and told these people about my ex wife becoming upset over child support issues and trying to ruin my credit and they fail to do anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit reporting bureau inaccurate information on consumer credit file..

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