vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I applied online for a car loan and was directed to a website listed below that stated I had to submit my information for a credit check. The website was recognizable as Transunion, so I believed it to be reputable. However, after entering my credit card information ( which appeared to be required to prove identity ) no information or indication was made that I was signing up for a monthly service of $ XXXX. My card was then charged {$1.00} which I was also not made aware of and subsequently 7 days later another charge for {$17.00}. While the service itself may not be a scam, the fashion of non-disclosure that I was " purchasing '' or " being charged for a transaction '' was the scam. It may have had an agreement in fine-print, but no where was it clearly indicated that I was signing up or authorizing a purchase for a specific amount. This is a predatory attempt to make money ( like a bait and switch game ) from those attempting to simply apply for a loan. I attempted to contact the company to dispute the charges, but they stated they would not remove me from this re-occurring service. I am therefore reporting this as fraud. 
Here is the website and contact information : XXXX XXXX XXXX is the website for the car loans that directed me to that website : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01 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 student loans that do n't belong to me on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 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:
XXXX told me they where running a soft credit report for me get a phone plan with them because they do not have contract accounts and its reported on my credit report as a hard credit inquiry instead of a soft credit inquiry like XXXX stated to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
For the past few months, I have attempted to get a credit card through XXXX. I have been told that there is legal action against me on my credit file. When I check each of my reports, there is no such information listed.

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 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX/XXXX/XX/XX/2015 - While attempting to correct date of birth error in my credit profile via TransUnion website, I received an error message that instructed me to call TransUnion customer service at XXXX XXXX XXXX XXXX. I then called customer service representative at XXXX XXXX PDT and was told I needed to call TransUnion dispute resolution center at ( XXXX ) XXXX during normal business hours. 

XXXX/XXXXXX/XX/2015 - I called TransUnion dispute resolution center at XXXX XXXX PDT and spoke to XXXX XXXX. Happily, XXXX XXXX was able to correct an error in my address history, but unfortunately XXXX XXXX refused to correct my date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i was a victim of identity theft, so i put a freeze on my account. due to the identity theft, under california law i can freely do temporary lifts. at equifax and experian i can easily go to their freeze website and use the pin they sent me to temporarily lift the freeze, but at transunion i was forced to setup an account and even then using my pin i 'm charged {$10.00} to temporarily lift the freeze. i 've called to manually lift the freeze, but that is a long process since it is almost impossible to get to someone to speak to and impossible to do on the weekend. i 've asked them various times to fix it and the response i get from customer support ranges from, we ca n't to next time it will work ... it has become so burdensome that i 'm willing to pay the {$10.00} to do the lift.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I have a hard inquiry on my Transunion credit report from a company called XXXX XXXX XXXX. I have had no dealings with this lender nor have I authorized any inquiries on my behalf. This is a fraudulent inquiry.

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 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I applied for a loan to purchase a new vehicle. I was turned down because of my credit score. The bank said I had a score of XXXX from Transunion, XXXX XXXX showed I had a score of XXXX. I called Transunion and they said XXXX was incorrect. So I payed Transunion for my correct score which I received XXXX from Transunion on XXXX/XXXX/15. So with this score I tried to purchase a new vehicle again XXXX weeks later. And Transunion sent XXXX XXXX a score of XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Needless to say I was denied credit again! So Transunion sent me with a false hope! I 'm sure banks keep this on file! This must give me the right to file a law suite ! Right! Unless their protected by our great Government!!! Why are there XXXX different scoring methods for credit bureaus? Fico, Banks, Consumers, XXXX XXXX. This is not right! There should be XXXX score for everyone. These credit bureaus suck! Maybe there should be a law that before any credit bureau files any information they should have to contact the person FIRST and make sure its accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report, but to date it has not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I leased a vehicle in XXXX of XXXX. In XXXX of XXXX I began having difficulty making the lease payments. GMAC worked with me to turn the vechicle in early and terminate the lease early. The car was dropped off at our local GMAC dealership in XXXX CA where it was purchased in XXXX of XXXX. This account was later included in Bankruptcy that was filed in XXXX XXXX and Discarged in XXXX XXXX. The issue I am having is that GMAC is still actively reporting this account currently each and every month, which is causing it to apprear on my credit report as a currently derogatory account which is clearly is not. Also GMAC was reporting the account as paid, then when it was included in the the Bankruptcy they continued to and still are reporting it so that it appears currently derogatory. This is affecting my ability to get any kind of financing for another vehicle because it looks like I have a very active derogatory auto loan. 
G M A C DECODE XXXX XXXX XXXX XXXX XXXX CLOSED XXXX I-U UNRATED XXXX XXXX XXXX XXXX AUTO ACCT INCLUDED IN BANKRUPTCY BKPY XXXX ( XXXX ) CH XXXX BANKRUPTCY BKPY XXXX ( XXXX ) AUTO LOAN PAID ACCT INCLUDED IN CH XXXX BANKRUPTCY BKPY XXXX ( XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX XXXX XXXX XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY XXXX at with a approved loan from my Bank, XXXX XXXX Bank in the amount amount of {$25000.00}. Approved on XXXX XXXX XXXX at XXXX XXXX. 
The vehicle I was interested in purchasing was a XXXX XXXX XXXX Transit for {$23000.00}. And I stated I only wanted to use XXXX XXXX for financing. 
Several months later I checked my credit report and was shocked and appalled to see Multiple Inquiries from XXXX XXXX XXXX. 
I am requesting the removal of the XXXX Unauthorized Inquiries listed below From all XXXX credit reporting agencies. 
I did not Consent to the XXXX Inquiries listed below. 
Thank you in advance. 

Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX. 
Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX. 
Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX. 
Inquiry XXXX XXXX, XXXX XXXX XXXXO 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 2016-01-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Was paying to much for a XXXX XXXX ( {$660.00} ). They reposed the car and sold it for {$16000.00} ) and I do n't think I should owe them anything for as much as I was paying a month, I believe they could have gotten the {$9500.00} that they want me to pay now. Ally Financial harassed me at my job and when I would call them they would speak to me very harshly. They would call my place of employment 2 to 4 times on some days every week. I want this bill removed from my credit report and a paid in full credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 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: VA

Complaint narrative:
I went to AnnualCreditReport.com to obtain copies of my credit report from the XXXX credit reporting companies. I logged in and then answered questions to receive the PDF copies online. The system then logged me out a few minutes later and did not allow me to print my reports. I tried to get back into the system and it stated I had already been serviced and to come back next year. Submitted complaint got form letter of " XXXX '' back in mail. Did not address the issue or resolve the complaint. In the letter and website, they do not provide a number to call or other access ; just return XXXX. address. At a minimum, they should mail me my XXXX credit reports as they know from their system I was not able to access or print them despite providing all of my personal information and answering all of the security questions satisfactorily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear CFPB, Since last year I have been actively monitoring my credit report for fraudulent activity and have signed up with XXXX XXXX, XXXX XXXX, and XXXX XXXX. I recently did some loan shopping but only with lenders that guaranteed a " soft pull '' on their website and was confirmed on the phone which guarantees the inquiry is not shared with others and has no effect on your credit score. Recently there have been some hard credit pulls on my file with TransUnion by companies who are subscribers. There is some serious lack of transparency by TransUnion and the agencies who promise and indicate " soft pulls '' and it then shows up as hard inquiry. This is misleading and TransUnion has shared responsibility in letting this happen since they are making money by supplying the information. I 'm fully aware of the regulations and terms of the FCRA federal regulations and a " soft pull '' that suddenly becomes a " hard pull '' without strict authorization does not contain permissible purpose. I do n't care who they are I demand the immediate removal of the hard inquiries. I have been misled and tricked into hard credit inquiries and hold TransUnion responsible. The analysts at TransUnion should develop a method or code which generates a text or email for verification of the hard pull. 
Sincerely, 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 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The company is disputing an item from XX/XX/XXXX on my credit report as if it is a new account. The information that was provided to the credit bureaus is showing as new for a original creditor. Which should n't be updated on my credit report because I disputed the account and it was removed off my credit report to re appear as if it is new. Please investigate this company because the time has past on statue of limitations and now there returning with a new company to impose on my credit report and lower my report due to wrong information being provided 8 years later. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXXOriginal Creditor XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance {$2200.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have disputed a credit card on my CR that is a result of Identity theft. All XXXX bureaus keep reporting info is accurate however they have failed to provide me with the documentation used to investigate. I have contacted the card issuer by certified mail and they have failed to provide me information to verify legitimacy. I have specifically requested documentation from the issuer and all the bureaus none which have sent the information therefore there is no proof that this is my account. I provided affidavits to the CRB and the card issuer and again the CRB wrote contact issuer they may not know how to get a hold of you, however I have sent written correspondence via certified mail 3 x that were received and they have ignored my requests and correspondence for over 90 days. The card issuer 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 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The following information is reporting on my credit report when the responsibility of this debt has shifted due to my divorce, which is Missouri Case Number XXXX. 
XXXX XXXX Account ( open date XXXX/XXXX/XXXX ) and XXXX XXXX ( open date XXXX/XXXX/XXXX ) are accounts that need to be placed on my ex wife 's credit report, not mine. 
XXXX XXXX Debt ( open date XXXX/XXXX/XXXX ), XXXX XXXX XXXX ( open date XXXX/XXXX/XXXX ), and XXXX XXXX XXXX ( open date XXXX/XXXX/XXXX ) are collections that responsibility has shifted due to my divorce.

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 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sought relief from a wrongly filed tax assessment which resulted in a Ohio tax lien against myself from the Ohio Attorney General on XXXX/XXXX/15. On XXXX/XXXX/15 the Ohio Attorney General after conducting an investigation into my claim that the lien filed against me was not valid, agreed and cancelled to reflect a zero balance. I was sent documentation to file a release of the lien at the XXXX XXXX XXXX XXXX XXXX XXXX, which was filed and recorded on XXXX/XXXX/15. My request for relief included documentation from the Ohio Attorney General 's Office to provide to each of the credit reporting agencies, asking for removal of the public record from my consumer reports. On XXXX/XXXX/15 the Ohio Attorney General sent on my behalf the letter previously mentioned to Transunion requesting they update my account record as voiding and expunging any reference to this lien. After review of my consumer report on XXXX/XXXX/15 Transunion updated the report to reflect the lien as released but still reporting. On XXXX/XXXX/15 I started a new dispute online with Transunion. Again I provided documentation by mail, asking for this lien to be voided and expunging from my personal report. On XXXX/XXXX/15 I received notice of the results of their investigation. The results were found to be the public record to be reporting correctly. 
I am aware of the statutes regarding the reporting of paid/released liens. I am not disputing the fact the lien is recorded as paid/released with the court. My concerns are with the fact that at the request of the Ohio Attorney General to void and expunge any record from my personal Transunion consumer reports are not being addressed. It is my hope that by filing this complaint with the CFBP, that it is brought to the attention of a Transunion Representative with the authority to remove this wrongfully filed lien from my Transunion consumer credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
i am behind on my car payment but I have an automatic withdrawal set up to come out of account this month. they keep calling me every couple minutes sometimes XXXX in a minute. I know they are allowed to call but I did n't think this much. how can they do this. it 's depressing me. my phone beeping from them every minute of every day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
While reviewing my credit report, I came upon a GA state tax lien that was placed on my credit report. I immediately contacted the state tax office in search of answers to why this was on my credit. I was told by a state representative over the phone after further investigation she was unaware why this XXXX was placed on my credit being that my taxes was paid and no collection was necessary. I then ask if they was able to remove the XXXX and was told that they had no way of doing so and that I had to contact the bureaus that was reporting it. She offered to send a letter stating that I owed no one and to withdraw & remove the XXXX. I then made contact to all XXXX credit bureaus with the information that was given to me by the state. Experian & Equifax was very helpful & removed the XXXX immediately. TransUnion has yet to do so stating that this record is accuracte. It is hurting my score & hindering me to obtain things with my credit. I further more do not this XXXX to represent me in anyway because this is inaccurate information and I should not have it on my credit. Attached is a screenshot of the GA state tax website regarding liens on credit and also proof that I do not owe any debts to the state.

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 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Trans Union continued reporting inaccurately XXXX XXXX Mortgage Installation Accounts XXXX and XXXX either closed or derogatory. 
Notwithstanding Trans Union 's reply to the CFPB case number XXXX of XXXX, 2016, Trans Union has failed to update the records to reflect correctly that XXXX account still open, current and paid as agreed. 
This is my final attempt to kindly request that they correct the information prior last resort of taking legal actions, as in addition ; I have attempts to call Trans Union to resolve said, but was consistently transferred to a special " supervisors team '' who are rude and disconnect the calls or told that the system is under maintenance ''. This clearly leads me to conclude that my file has been flagged in retaliation of the complaints submitted to the Consumer Financial Protection 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