vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I paid off and closed account with XXXX XX/XX/2015. TransUnion did not report but other agencies did. I contacted XXXX and they stated that they had reported paid and closed to Transunion and I would have to contact them. XXXX also sent me a letter ( attached ). The investigation by TransUnion completed on XXXX/XXXX/2015 only shows payment into XX/XX/XXXX with a balance and open status. As I had paid off the loan but XXXX still took out a payment, I had to be mailed a check. ( Statement attached )

Company public response: Company 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: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
: THE INVESTIGATION HAS BEEN OVER 30DAYS. NO REPLY THEY MUS BE DELTED. 
. 
. XXXX XXXX and all accounts in bankruptcyMus be deleted no validation from the companies or from the Credit union

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incorrect Personal information. Never had a student loan. Check DOB and ssn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 be removed.

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 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has not provide me with proper evidence of negative accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
transunion is currently reporting a paid and closed account on my credit file as - current status : 120 days late - this account was paid and closed XX/XX/2014- the current status should be paid and closed not 120+ days late i tried applying for credit and i was told i have a current 120 day late reporting as current by the creditor. This is incorrect and false reporting and a current late is very damaging to my credit file. I 'm working very hard to better my credit and this current status reporting is very damaging and misleading to the creditor. 

XXXX XXXX Current Status:120+ DAYS PAST DUE

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: CA

Complaint narrative:
The credit company Transunion is reporting that I have several things on my credit report that is affecting my credit score inasmuch its preventing me from obtaining apartment rentals and the financing of an automobile. The false information that is being reported are evictions, a lien judgment and identity of current addresses that does not reflect my credit history because these places in which are reported are not of any former or current residences.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Delbert Services
State: OH

Complaint narrative:
I live in Ohio and took a loan from Westernsky financial for XXXX at {$290.00} FOR 47 MONTHS in XX/XX/XXXX.They turned the loan over to Cash Call immediatly, After a few months I could n't make the payment, i ask for smaller payment, they refused. I stopped making payments due to medical bills. I retired on social security XXXX. Now XXXX debt collectors are harrassing family and friends for info on locating me. They have my address I wish for them to stop harrassment.They threaten me with lawsuits, and hastily I agreed to make payments of {$290.00} a month for 10 months starting in XX/XX/XXXX. I gave them my social security debit card, but had social security send me a new card so they could n't take out payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
I am at my wit 's end. There is an Item on my credit report that is an obvious error and I ca n't get Trans Union to fix it. I had a credit card with XXXX XXXX that was closed and paid off in XXXX of XXXX. Even Trans Union 's credit report shows account closed XXXX XXXX, last payment received XXXX XXXX, and a {$0.00} balance. However, they are showing a late payment almost two years later in XXXX XXXX. It does not take a genius to see that this is impossible. I have been disputing this information for about two years now and they will not fix it. This has caused me to be denied a mortgage and to pay higher interest rates. I 've been told the best way to fix this is to file a lawsuit but I am XXXX in XXXX so I ca n't do that right now and besides I would prefer to not take those measures unless I have to. This has become even more complicated now because XXXX XXXX has sold the account to XXXX. So XXXX XXXX can no longer see the account details and XXXX ca n't get it removed because they did n't make the report. Anyone with a little common sense can see that this is an error and that it 's not possible for me to make a late payment on an account that was paid off two years earlier. This is not right I should n't have to suffer for someone else mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 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 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I sent a letter and among other issues asked that inaccurate late pay information be removed from the payment history on a mortgage I had with XXXX # XXXX. They deleted the ENTIRE trade line instead!!

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 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
had requested Transunion to investigate a credit inquiry for lease consultants dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to lease consultants. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 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:
Hi I am a victim of Identity Theft and Finical Identity Theft, I have written Transunion 29 Times Concerning 1 Fraud address to be removed and 29 Fraud Inquires to be removed. They all was done the same day/month! Some scammer was trying hard. 
Transunion refused to remove the inquires and told me to contact the companies. I did write the companies 29 companies and 8 letter per company over the last 9 to 11 months! And they all refuse to even answer me. 
I have a Police report and proof of My Identity along with My Passport proving I was Living out of the country for over 3 yrs and this is Fraud. Please remove these Inquires. 

INQURES 1. XXXX 2. XXXX 3. The XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 11 12. XXXX 13. XXXX 14. XXXX 2 x 15. XXXX 16. XXXX 17. XXXX 18. XXXX 19. XXXX 20. XXXX 21. XXXX 22. XXXX cr 23. XXXX And Fraud address XXXX Please help me remove all these frauds Inquires, I tried and need your 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 non-monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I attempted to file online with Transunion but their system would not allow me to enter my complaint issue. I sent a letter but have not heard back. There is an entry for a XXXX charge that we notified Transunion was incorrect back in 2012. It is still on my credit report. XXXX represents XXXX XXXX insurance. We have not had this insurance according to our agent, and according to our local agent all our insurance is paid and paid timely. This XXXX item on my credit report resulted in our local bank going up XXXX percentage points for the interest rate on a personal loan.

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 2015-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I received the results of my dispute back from Transunion, but it doesnt look like they reviewed anything I sent them including the documentation I provided. Instead, they applied my Bankruptcy to ALL my accounts ; whether it was valid to do so or not. This includes accounts that are current, those that were paid off years ago, all Student loans- both paid off and currently due ( now showing as closed ) ; a judgement and mortgage loans that were not discharged but paid previous to the BKXXXX. I now have XXXX new erroneous key derogatory 's on my report because of this and even more serious items to dispute than the first time. I need your help in assuring that they correct the errors they 've created and actually investigate the items that I am disputing this time. 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: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I received an expired settlement check from Ally in XXXX 2016 and called Ally Settlement Administrator where they told me to send it back and I would get a new check. A month went by and still no check so I called Ally and they said they sent it and where they sent it to. I did n't receive the check because it went to an address I lived at five years ago and had never even given Ally. They said they would resend a new check to the address I had originally provided and if I did not hear back I was to call again and ask for XXXX XXXX the manager. I have now left numerous messages, made calls and sent an email and have had no response or answer.

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 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX re-aged a old debt that was never properly report to the credit bureau by the Fair Credit Reporting Act. The debt is an old debt back in XXXX and they are saying it a fresh debt from XXXX. This account was never on my report, so I believe that they only have 180 days to report this on your credit file. They are 1825 days to late to report this which violates my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I learned of an inaccurate account when I checked my credit report. I called Equifax to ask about it, they directed me to the data furnisher, " XXXX XXXX XXXX XXXX ''. I contacted them by mail ( see attached letter ), and asked them to provide me with further documentation, per Section 623 ( a ) of the FRCA. They failed to respond in any way. I received no letter, nothing. It 's now been 2 months. I disputed the item with Equifax but they have not removed the account from my credit report. They are supposed to do so within five days of learning that there is an erroneous, unverified account. Please help me to get them to do what they are required, by law, to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have paid this account in full and would like the account to be removed from my Negative Accounts and Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
My loan was in default. I made arrangements with Seterus and applied for an assumption. It was approved, I made payments and then Seterus had my house up for auction and it was sold. I was able to stop the certificate of occupancy in time. Seterus admitted their mistake in court. This was in XX/XX/XXXX. Since then it has been a constant battle to get some sort of payment arrangement made. They keep giving me the run around. Saying this or that was not received. I have proof that all communications were received ( my own fax ) Most recent was a letter dated XXXX XXXX, XXXX saying they were in the process of investigating the issues I had brought up and will contact me. Yesterday ( XXXX/XXXX/XXXX ) I received court papers stating a motion to reset foreclosure sale date! I called Seterus today ( XXXX/XXXX/XXXX ) and was told " It looks like we are still investigating. " No other information. This is but a small example of all their evasive tactics to foreclose on my home ... .Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 'm XXXX XXXX, Ive been trying to solve this problem going on a year now, since ive filed Bankruptcy XXXX and nothing is cleared off my credit, I filed Chapter XXXX and it was discharge, nothing has been remove from my Credit File, all XXXX Credit Bureau keep transferring my Information to each other,, and I also request that Fraud be remove from my Credit file and it has no happened, I 'm filing this complaint because I 'm getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I 've sent equifax proof that they are reporting a judgment and a bankruptcy incorrectly with information that does not even exist and they continue to keep it on my credit report. They continue to send me a letter saying something about public records stay on for .... I do n't care how long they stay on for. Unless they have the physical petition that shows the same exact information that they are reporting, then they are wrong and it needs to be deleted. they have dates that do n't even exist! Please see my report as well as my letters and proof in the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors. I have contacted equifax in writing 2 times once on XXXX/XXXX/2016 & XXXX/XXXX/2016, they do not respond and have ignored my request for information investigation & deletion. They have never responded to me. 
1. The inquiry was not authorized XXXX Account Number : Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX Account Number : Please remove this inaccurate information from my credit report. 

4. The information is incorrect for the following account No Account Name Account Number : XXXX Please remove it from my credit report. 

5. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

7. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Personal Information Errors : Wrong name and address I 've never lived at or used as a mailing address : XXXX XXXX is the wrong nameXXXX XXXX XXXX XXXX XXXX, TX XXXX is the address ive never lived at or used as a mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a XXXX year old XXXX XXXX XXXX veteran. I applied for my annual free credit report and was DENIED. I was asked questions about a financial situations that occurred XX/XX/XXXX and XX/XX/XXXX. I have XXXX credit card, XXXX XXXX, and XXXX Mortgage, XXXX. I CAN NOT answer questions about changes or whatever that happened over a decade ago. Equifax needs to mail me a copy of my credit report immediately. I will NOT send copies of my passport or other vital id papers to this predator. My bank recently sent me a list of XXXX things that lenders look at, one really jumped out at me. Thou must have more than one type of credit i.e. a credit card, and a auto loan. Is this what is being held against the citizens of the United States. I only have a credit card and a mortgage. The mortgage will be done soon. So I will only have a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX has recently changed an account on my credit report from a closed status to and open status, this account has been closed and was assigned to a collection agency by the name of XXXX I finally have had my credit report free of this collection and account now its reflecting as an open collection account and should be removed.

Company response to consumer: Closed with non-monetary relief