vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am serving on XXXX in the XXXX XXXX XXXX. My family and I have received orders to report to XXXX in XX/XX/XXXX, our exact date of departure is undetermined. 

We are permitted to take a vehicle with us to XXXX. The company which ships the vehicles requires either a clear title, or a letter of approval from a vehicle lien older. Sometime in XX/XX/XXXX I contacted Ally Bank and requested a letter of authorization to ship my vehicle to XXXX. I was told they would not be providing me such a letter. 

I purchased my vehicle back in XX/XX/XXXX. The total cost of my vehicle was over {$17000.00}. My vehicle is currently worth {$6000.00} and I currently owe approximately {$7000.00}. I do not have the funds available to immediately pay off the remaining balance. I have contacted other banks asking about refinancing the vehicle and was told they wo n't do it because the value of the car is less than the amount still owed. I am current on all payments on my car loan. Although I was late making XXXX payments over the past four years, those payments were made very shortly after their due date. 

Having a vehicle in XXXX would help my wife and children tremendously. If I am not allowed to ship my vehicle, I have no idea how or where I would store the vehicle for the three years we will be stationed in XXXX. 

I do not have a copy of my financing agreement with Ally readily available, as nearly all of my personal belongings are packed up and ready to ship XXXX. Even if such a clause exists in their financing agreement prohibiting transporting vehicles outside the country, I believe such a clause would be unconscionable for military service members. I do n't know if it is Ally 's policy to not provide any service member with this type of authorization letter, or if I am being singled out for some reason. Regardless, I would have never financed with Ally had I known they would deny me the ability to take my vehicle with me to an XXXX duty station. I am requesting any assistance available in obtaining an authorization letter to ship my vehicle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The bureau is reporting false information on my behalf regarding my personal information, as well as false accounts that are not even mine and I have no knowledge of. I would like these accounts removed from my file as its is hindering me from utilizing my true credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 received a pre-approved application to XXXX credit card ( XXXX XXXX ). First off, the inquiry is from a pre-approved offer, and should be listed as a soft inquiry, so as not to damage my credit report. Second, XXXX XXXX denied the application and listed my credit score as XXXX which is also incorrect and not in my credit report. How do I proceed. Thanks for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 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: CA

Complaint narrative:
On XXXX/XXXX/16 I check my score and transunion was there then on XXXX/XXXX/16 it was removed saying I do n't have a score that 's incorrect please fix and update that issue as soon as possible thank you that an error on 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 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was only able to select one of the above options concerning incorrect information on my credit report but there are actually XXXX issues, account terms, account status and validation that this account even belongs to me. The issue is XXXX XXXX XXXX reporting different things, which may be inaccurate, to XXXX, TransUnion and XXXX, but what they are reporting is all negative. I have filed a direct dispute with XXXX XXXX XXXX due to these reporting issues that are severely damaging my credit report. No validation has been provided to me that the account even belongs to me, as XXXX shows me as being also known as someone else.

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 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion continues to report information on my credit report that does not belong to me. My report number is XXXX. 

The bankruptcy filing listed is not mine. I will need proof that is does not belong to someone with a same/similar name or the signed papers since I am not a party to this. 
I am asking for the method of verification under FCRA Section 611 ( a ) ( 7 ). The federal Fair Credit Reporting Act states that I may request a description of how TransUnion verified the information, including the business name and address contacted and the telephone number if reasonably available. 
Additionally, XXXX is reporting a trade line when I have never had a credit account with them. It shows as {$0.00} limit to begin with on the report. XXXX has refused to send me verification of this debt on numerous occasions as well as to regulators ( a copy of which is attached ) I intend to sue for willful non-compliance under FCRA 616 if this dispute is not researched and the requested documentation furnished. 

I am requesting that these XXXX entries be investigated and removed. 

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 2016-12-01 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:
XXXX pulled a credit inquiry on me and I did n't apply for credit. I called and spoke with a representative and they said someone used my name and last XXXX of my S.S. number with a different address to try to obtain credit, They said the credit would therefore be denied and the credit inquiry would be removed from my credit report. It has never been removed and that was XX/XX/XXXX. The credit reporting agency told me to call XXXX and I did as they said but they did n't remove the inquiry as their representative said they would. This credit inquiry occurred on XX/XX/XXXX so they have had plenty of time to remove it. It is now reported on all XXXX credit bureaus and this is very upsetting. I do n't know what else to do at this point. 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 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have repeatedly disputed a listing on my credit from XXXX XXXX and all they have posted that was verified. They have not sent me any information or how it was verified. This is a repeated ongoing issue with Transunion and other major credit bureaus.

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 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. My credit score had suffered from this glitch. No notice was ever given which is a violation and I am requesting that ALL inquiries be removed : Datafacts - XXXX 2016 Datafacts - XXXX 2016 Datafacts - XXXX 2016

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 2016-02-24 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
They have been taking my card for three months now and have never asked me the name on the visa card before. Now when I tried to make a payment again with my wife 's card they stated she would have to call to give them permission to take payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed in XXXX that a lot of inquiries popped up on my credit files out of nowhere on my Transunion report. I called them they told me that they are taking them down and I should see it off of the report and that they apologized for any inconveniences that it caused. To this day all XXXX inquires are STILL sitting there and I have called profusely to get them removed a lot of them have hung the phone up in my face and was very rude to me. I NEVER got a 5 day notice about any thing that was going. I informed them of that and they still did nothing about it ( FCRA Violation ) I spoke with Anye, XXXX, and XXXX today and XXXX and XXXX hung up me after stating that their supervisor told them that its nothing that they can do about the inquiries. I asked them so are you going to sit on a recorded line and openly admit that you and Transunion are operation this issue in FCRA code violation? They said that 's their job!! ARE YOU KIDDING ME? These are people life 's that are being effected here, not some random stray dogs off the street. Theses XXXX inquiries need to be off immediately. I am also contacting the XXXX XXXX XXXX about this..!!!!!

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 2017-01-06 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
A debt has been sold, original creditor is not on my report and I can not get in contact about the inaccurate information. 
However I was called several times in the last 6 months with someone pretending to be from the XXXX XXXX XXXX 's office threatening to have me arrested at my place of employment over these XXXX negatives that appear on my credit report. I also received some emails about this debt stating that I am currently in court for this but I was never served by any courthouse.

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: HI

Complaint narrative:
Interestingly enough, Trans Union is incorrectly reporting XXXX of my student loans with having late payments in their history. Trans Union has reported that I was 60 days late in XXXX, 90 days late in XXXX, 120 days late in XXXX XXXX and XXXX late XXXX XXXX. This is simply not possible since these loans were in forbearance at the time Trans Union claims that they were late. Repayment was not due to begin until XXXX ; since no payment was due until after Trans Union claims I was late, the Trans Union report must be corrected by removing these late notations for student loan with date opened XXXX/XXXX/XXXX and disbursed by the XXXX on XXXX XXXX, XXXX. I have attached the documents from XXXX showing the due dates and you can see it is not possible for these to be reporting late since they were not due and in forbearance. XXXX for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In 2013 I was hospitalized on an emergency basis and incurred over {$100000.00} in medical debt. At the time I was admitted, I signed XXXX financial responsibility form, and the hospital assigned me XXXX account number and billed the services on XXXX Statement. 

Thereafter they assigned the debt to XXXX for collection and they have listed the debt on my TRANSUNION report XXXX SEPARATE TIMES as XXXX SEPARATE ACCOUNTS. This is false and fraudulent.

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 2015-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion continues to report bad and incorrect infromation on my credit report regarding XXXXMortgage., Acct # XXXX. TransUnion is reporting that, 'Legally paid in full for less than the full balance '. This is incorrect, as the BALANCE WAS PAID IN FULL and there was not a settlement for less than the full balance. Supporting documentation attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
I 'm using Discover credit card for three months I have earned around XXXX $ cashback and in the end of the first year, they promised to give another same amount on how much we earned as cashback. But they suddenly closed my account without any prior notice so I enquired today they said I had made a payment last month that has been returned back.. actually, I did n't make any payment it was unauthorized so they had added the penalty to my statement I showed up some clarity and canceled my penalty charges. Now, they closed my account and took my XXXX $ cashback n saying that due to security issues they closed!! it can not be reopened you lost the cashback, you can reapply credit card again without any old reward! this also cost me to lose credit score!! this I suspect some fraudulent. They 're not loyal to the customer if we earn more cashback they igniting some errors and closing the account ... this problem faced by a lot of people ... I read it in few websites ... I need my cash back!! n I do n't want to lose my credit score without doing any fault.

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

Complaint narrative:
XXXX XXXX XXXX is fraudulently reporting an installment account to my credit report and this is a violation of FDCPA. I have never requested a loan or credit, nor am I liable for any debt to XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX, or any factoring company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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 am disputing the derog reporting on my credit report. I do not have nor did I apply with the creditor.

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 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There were XXXX hits on my trans union credit report where there should only have been XXXX. It was from XXXX Bank and I have already asked them about it and they said they only requested XXXX report. They requested it on the XX/XX/XXXX and my report shows another on the XX/XX/XXXX. I want it 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 2015-08-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of Walla Walla
State: FL

Complaint narrative:
I keep receiving letters from the Collection Bureau of Walla Walla for a credit card debt that I did not create and I do not own it. I have filled an initial dispute with this collection agency. 

Therefore, because I am disputing this debt, it should not be reported to the credit reporting agencies.

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 — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a complaint against TransUnion Credit Reporting Agency. I submitted a request twice for investigation XXXX XXXX XXXX account ( Acct Number # XXXX ) from my credit. I submitted enough information and TransUnion to carry out a reasonable investigation of my dispute. 
They did not investigate properly instead they used XXXX system. I submitted a letter from origin creditor in which stated that he will remove the account from third-party collections and instruct the collection agency to delete any negative information reported to my credit report file relating to this account. But TransUnion did not investigate this account thoroughly enough and keeps this account in my credit file. 
It is at this time that I will point out that in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 
I may suffer damages because I rely on an accurate and complete statement of my credit record and demand that TransUnion remove the disputed items from my report immediately as They failed to comply with the law. Transunion Credit Reporting Agency must pay up {$1000.00} fine for violation of the Fair Credit Reporting Act. 
I am requesting your assistance in putting an end to this matter.

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 2017-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I was reviewing my credit report and notice an account that I do not recognize. I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 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: VA

Complaint narrative:
I went to XXXX XXXX for a re-fi, they attempted to get my score from TransUnion but they told XXXX I was deceased. I called Transunion to remove that status. They told me to get a form from the XXXX office proving I 'm alive and verification XXXX. The XXXX office said if I send that form, it will release all my info. to them including my medical history, so I got a verification letter XXXX proving I 'm still receiving benefits and am very much alive. Then I got a call XXXX who told me my credit info was on a freeze. I did n't do that. I requested my annual credit report from Transunion and got it in the mail, so they must believe I 'm alive. I just need for me and XXXX to have access to my credit rating.

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 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The credit bureau illegally reported me late on my mortgage after I sent proof. Now Im XXXX from the military until I bring my credit back up to date. The military pays my bills. I do n't know how they neglected this.

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 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Traffic ticket was disputed in XXXX Traffic Court and paid. Open XX/XX/XXXX ... ..last reported XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation