vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I keep getting denied credit due to a bankruptcy that never happened, I asked everyone to remove but seems to stay, the bankruptcy was never completed and was cleared by a judge. They started to take payments from my checks for a chapter XXXX in XX/XX/XXXX, but I got sick from military injuries in XX/XX/XXXX and lost job and could no longer pay, so it was cancelled until I resubmitted, the Veterans administration owed me money so I have never refilled the bankruptcy, just ca n't pay do to injuries. So when I get paid from Government I will pay back creditors, or fill again completely, again I have paperwork showing judge cancelled and it is public record, but keep getting it on credit. Needs to come off as it has cost a XXXX veteran even more money by being slandered by credit companies. If they can find where i seek to file, they can find where it was cancelled. I would like to be paid damages from the situation as it has cost me many problems, and it is my right to receive damages if false information is entered and not corrected. If I filed and it was legal I could understand, but if they do n't take it off I will make sure it is reopened and make sure everything is included and all those people will loose money because the credit reporting companies do n't research thoroughly to find correct information, about {$50000.00} dollars, I think the companies would appreciate correct work. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed directly with bureau ... transunion still is reporting. XXXX XXXX has disputed account, as well. XXXX XXXX medical collection of {$200.00} is not correct. I have verified with XXXX. XXXX 's XXXX that I do not have a balance and have never owed the office any amount that has turned into a medical collection.

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 2017-01-10 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:
Transunion is reporting XXXX property tax liens on my credit report from XXXX. 
These are not mine as I have never owned any real estate property in XXXX. In fact, I have never even visited this state or done any business there in my life. I have disputed this with Transunion but they stated liens were verified as valid and refused to remove. Please help. 
XXXX XXXX RECORDER XXXX - Docket # : XXXX XXXX XXXX - RECOR - Docket # : XXXX XXXX XXXX XXXX XXXX - Docket # : 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 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My brother 's activities are showing up in my TransUnion credit report and possibly my activities are showing up in my brother 's credit report. Called to resolve the issue but was not successful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
incorrect namws address and mispellings of employers

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 2016-04-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I had a car loan out with this company more than a few years ago. I was in an accident and the vehicle was totaled. I had full coverage insurance along with full gap coverage. I am now getting letters saying that I still owe this company money on said vehicle. I have called several times to find out what and why I owe them money. The first few years they where telling me it was unpaid deductable. Which according to the insurance company was not the case. I have recently called trying to get answers to have this resolved and they are now trying to tell me this is for unpaid payments from the time of the total till the claim was paid? I asked them to please show me when and how much the payments where for and to explain why and how much I owe. They are unable to furnish this. All they ca ngive me is a total of what thy say I owe. I want this to be removed. There is no way I can owe them anything. My insurance says it was paid and the gap should have covered the rest! Im at my end with this. Please help.

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 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are some unauthorized fraudulent inquiries that are on my credit report and Transunion refused to remove them. My report was improperly shared by Trans Union because I did not authorize these inquiries and I have also contacted each of these companies and they can not prove to me with my original signature and/or documents that these inquiries were authorized by me. This is a fraud act by Transunion as well as the companies accessing my file against my will. 

These are fraudulent inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX I - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I request that you remove immediately the following fraudulent inquiries from my credit report : I never authorized any of those inquiries and when I requested proof from the creditor, they were unable to provide me with any proof otherwise ; therefore it is the credit bureaus responsibility to remove them.

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: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have multiple accounts on my credit report that are reporting incorrectly. They were opened fraudulently with my social security number, my name ( wrong middle name ) and an ID from Pennsylvania with the wrong address and a photo that is not mine. None of the companies agree that this debt is not mine and most of the fraudulent files are reporting to all XXXX credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion continues to post a report of a duplicate negative report from XXXX XXXX XXXX Transunion # XXXX despite my continued complaint that this account is in Arizona, and not XXXX account. I have no account with XXXX XXXX, and I owe NO money to XXXX XXXX. Arizona is the originator of the account, and should be the only XXXX reporting to the credit bureau. See attached XXXX credit report showing the reporting of the account which was also reporting twice the same account. This was recently cleared up. I was just turned down for a credit card with XXXX on XX/XX/2016 due to my credit. See attached. This incorrect posting of this account can affect my job prospects as well. The facts are that I have overpaid my Arizona child support by {$8000.00} plus dollars, but that 's another story. Please take into account my XXXX years of military service of this country, and how I must feel being unfairly punished by this misreporting, and seemly impersonal process by Transunion.

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 2016-04-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I HAVE DOCTOR BILLS FROM FAME AND XXXX XXXX WHICH ARE MY ADULT SONS BILLS FROM WHEN HE WAS AN ADULT ON HIS OWN. ALSO I HAD INSURANCE AT THE TIME THE XXXX XXXX BILL FOR MY DAUGHTER UNDER 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 2016-10-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Without my knowledge or consent, Ally Financial forced me into electronic billing and requires me to log in to their website in order to see my statements. No notice or statement was sent out for my payment due XX/XX/2016. Based on prior experience, the due date shifts around. Today is the first day in over 60 days I 've received any communication from Ally which was by email, saying I need to log in to see my next statement due in XX/XX/XXXX which will have a late fee. 

When asked for licensing information I was told they do not provide that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-06 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 and remove fraudulent inquiries from my credit file that were not initiated by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I applied for auto financing with XXXX different entities in XXXX 2016. TransUnion is counting all of them as a hard inquiry instead of counting them as XXXX as required by the CFPB. This is showing a XXXX point drop in 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 2015-04-15 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: MI

Complaint narrative:
Transunion denied me access to my free annual credit report by asking me to pay to include my credit score. First of all, I do not want to give them my credit card information regardless of how cheap it is. Second of all, FREE is free. All I want is my free annual report. XXXX and XXXX did n't give me any problems with receiving my free annual credit report. Transunion is the reason I requested my free annual credit report in the first place. They lowered my credit score almost XXXX points after they purchased XXXX XXXX where I was monitoring my credit score every month. I just paid off XXXX bills and pay all my bills on time. My credit situation has been the same for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX filed a hard inquiry on my credit report ( unauthorized ) they did this on XX/XX/XXXX. Thing is that acct shows never missed payment and last payment paid on XX/XX/XXXX acct closed XX/XX/XXXX. I have n't applied for any credit, or anything that a company would need my credit info.I 'm not understanding this. thank you for your time.

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 2015-11-28 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 reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 
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, 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 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting the following incorrect information despite my request to correct it : Name On File : XXXX Social Security # XXXX Date of Birth : XXXX Current Address : XXXX, GA XXXX XXXX Reported : XXXX Previous Address ( es ) : XXXX XXXX Woodstock, GA XXXX Reported : XXXX Formerly Known As : XXXX Last Reported Employment : XXXX ; Previous Employment ( s ) : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ( Credit grantors may view this statement when evaluating your credit ) ( This section allows the consumer a personal statement regarding their credit file. ) THIS REPORT STATED I HAVE LIVED IN XXXX GA AND AM CURRENTLY EMPLOYED BY XXXX BOTH ARE INCORRECT THE VALIDATION QUESTIONS POSED TO ME ARE TOTALLY INCORRECT AND CAUSED ME TO BE REJECTED DURING ONLINE IDENTITY VALIDATION. 

I request that I be notified as to the source of this incorrect reporting facts as to the following and that they be purged from my records : 1 ) Living at XXXX, GA, - I have never resided here, and 2 ) XXXX ; XXXX ; XXXX CA ; - I have never lived in CA nor been employed by this company 3 ) Residing in an apartment at : Current Address : XXXX, GA XXXX this is a single family home which I own outright ) ; I do not live in XXXX - it does not exist

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX IS LISTED ON MY REPORT TWICE- ONCE ASA JUDGEMENT AND ONCE AS A CHARGE OFF- WHICH IS XXXX NEGATIVES FOR XXXX THING THAT HAS BEEN PAID OFF. I NOTIFIED TRANSUNION OF THISTO BE TOLD THE CHARGE OFF WAS REMOVED AND YET AS OF XXXX/XXXX/15 IT IS STILL SHOWING ON MY REPORT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have sent letters to the credit bureaus as well as the credit agencies asking them to remove these inquiries because I did not authorize them. I have not applied for any credit with the ones listed that have been circled. I have told them this numerous times and yet they refuse to correct this issue. I have asked for verification and they have yet to send me anything.

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 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank Of America XXXX loan XXXX ) was servicing my home loan when I file for Bankruptcy on XXXX XXXX, 2012, I never stop paying my mortgage with B Of A or XXXX I was informed by Bank Of America andXXXX XXXX If I pay my mortgage off they would file a update with the credit bureau. XXXX has remove this information from all four major credit reporting agencies. I have sent B Of A over six request ask them to file a Automated Universal Data Form ( AUD ) to all four major credit bureau, to have this information remove, and they keep send me letter that myloan with XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-15 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:
I 'm sick of my credit score changing with each company. Tons of wrong info. Names dates chargers. I want it cleared would love to see a accurate 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 2017-03-02 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have disputed innaccurate information on my credit report. I have requested a validation of the debt and have received a letter to collect the debt. I would like this inaccurate information to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 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:
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 
XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Delbert Services
State: IN

Complaint narrative:
I received a call form XXXX County of Government XXXX on XX/XX/XXXX. The caller asked that I call XXXX for more information on the case. I called the number, which turned out to be a debt collector working on behalf of Western Sky. The representative said I bounced a check in XX/XX/XXXX and wanted to know if I wanted to settle the matter now. I thought it was strange because I commisssioned a debt consolidation company to pay off all of my debts and this one was not included. The gentleman asked my name and proceeded to state my last XXXX of my SSN. When he stated the address, the address mentioned was n't my address. I stopped him and ask for documentation of proof, since the information he was giving was incorrect. He began to raise his voice, so I hung up the phone. The representative in turn, call my phone at least 4 times leaving harrassing message calling me a scum and telling me I had no intentions of paying the debt, I waited and then call him letting him know what ( this scum ) would do. I do n't know who this person is/was and I really do n't want to know. But his behavior and the threatening manner in which he spoke to me was/is unacceptable.

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 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have asked to have addresses removed from my credit report because I have never lived there and I just had a background check and found that the addresses are still on my report

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

Complaint narrative:
on XXXX XXXX upon reviewing my credit report i read that XXXX XXXX is reporting a negative to both transunion and XXXX. I mailed a dispute letter via certified mail on XXXX XXXX to XXXX XXXX using the address from the Transunion report. Weeks later i recieved the letter back marked undeliverable unable to forward and the company moved 20 years ago. I mailed the copy of the envelope and letter to both experian and transunion requesting them to delete for improper reporting and practices on XXXX XXXX via cerified mail. XXXX responded with a letter stating " updated '' and giving me the correct address. I have not receive anything from Transunion and the remark still shows in my 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