vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Credit Reporting Agency fails to removed inaccurate account from my credit report. 

There is an account with XXXX XXXX XXXX which began reporting on XXXX 2015, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XXXX. This debt is from XXXX, and the Credit Reporting agency refuses to delete. 

This debt ca n't be assigned to XXXX XXXX system on XXXX if all debts were discharged on XXXX. Thus XXXX XXXX XXXX has no collection authority on a discharged debt nor can they be assigned an already discharged debt. 

I have disputed with both the credit reporting agency, and enterprise recovery system and they are refusing to delete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
My vehicle suffered a total loss in XXXX 2014. My primary insurance paid the amount of {$10.00}, XXXX on a loan balance of XXXX, XXXX which left a remaining balance of XXXX. My GAP paid {$760.00} after a year, waiting for an updated valuation report on the vehicle. Ally now claims I owe {$320.00} because they applied the initial payment to principal as opposed to the total loan payoff. I dispute this amount since XXXX insurance payouts exceed the payoff.

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 2015-12-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Delbert Services
State: NE

Complaint narrative:
I have a loan with Delbert Services/ XXXX which I pay every month on time my complaint is that they are aware of my pay dates yet they call my cell phone XXXX times a day starting the XXXX of the month. I have asked them to not call me until after the XXXX which is my payday. They say the only way they will do that is if I set up automatic withdraws which I do not wish to do. All I asked was for them to not call XXXX times per day, they also do not leave any messages when they call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i have disputed and asked transunion credit bureau to validate a collection that is reported on my credit report. i have no business with this collection company. i was told it was verified but when i asked them to provide me proof, such as, my signature on this, they did n't and could n't provide me any proof that this was mine and i signed for it. to this day, this collection that is n't mine is still on my report. i need validation of my signature and the credit bureau is refusing to provide validation, i need this fix asap. pls help me. 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 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed the account XXXX This account was paid off and it was not my account. I did not open this account. This is a fraudulent account. I want it removed immediately from my credit report please. Once this is removed i want a investigation with the correct FICO 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 2015-07-18 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: OR

Complaint narrative:
Basically it appears to be a Transunion Scam. When you try to get the second Credit report a page appears from Transunion asking you to purchase for {$17.00}, a Credit Monitoring/report/score service an the Computer screen will not allow you to bypass this request. So we " could not '' get the reports for XXXX or XXXX, because of the issu with the Transunion advertising blurb constantly coming up in between the Annual reports. 
Why have it available if it does n't work! XXXX ... 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 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been attempting to repair my credit for 2.5 years now, I am not joking. I am only going to present XXXX issue at a time. I can not ever get answers to my questions, from anyone, not the creditors, credit reporting agencies, hired " credit repair '' This attachment is an example of the outrageous inconstancies, and what appears to be random, and arbitrary application. This is XXXX alert from over XXXX similar I have received from " MYFICO '' monthly, ( XXXX of many monthly subscriptions I pay for ) PLEASE HELP! Where do I even begin to deal, fight this? I am under time constraint, I will lose my house & future if I do n't resolve my credit issues! I need to get a HELOC & CAN NOT WITH MY SCORE & REPORTS. 
Thanks 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 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX of my student loan payment history is incorrect on all XXXX of my credit reports. It states I was 90 days late during the months of XXXX & XXXX when I had an active forbearance during these times. I submitted disputes via mail with all XXXX credit agencies XXXX separate times since XXXX. Each envelop contained a dispute form with all XXXX student loan late payments errors listed, proof from XXXX confirming I had an active forbearance during XXXX & XXXX, & a copy of my drivers license. Conveniently, all documents were scanned except the proof from XXXX. They can not tell me what happened to that piece of paper, but they have the other items in the envelop. I am a single mother attempting to buy my first home and these errors are preventing me from being approved for a home loan. I do not have to money to pay an attorney to have these removed and I should n't have to, this is not my error. Please help me correct my credit report. Thank you!! P.S. I have proof if needed, but I did n't want to upload to this site since it stated not to disclose sensitive information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Coastline Financial Resources, LLC
State: CA

Complaint narrative:
This is a company that goes by the name XXXX XXXX. They have been harassing my family and my in-laws. They even called my fianc at his place of business. They are threatening to sue me for a debt that is beyond the statute of limitations. The debt is over 8 years old and is no longer on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services
State: FL

Complaint narrative:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by CLARITY SERVICES on XXXX/XXXX/2016 & XXXX/XXXX/2016 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

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: TX

Complaint narrative:
On XXXX XXXX, Transunion Deleted all of my inquiries. I recently checked and my inquiries are back on and my credit score decreased.

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 2016-07-10 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:
I received a notice from TransUnion and XXXX credit reporting companies that XXXX was reporting incorrect information to my credit file. Soon as I found out, I contacted both credit reporting companies and XXXX to provide more information about the alleged debt. I have not received a proper response from XXXX and I have not received any documents or evidence from the credit reporting companies about the alleged debt. I have been a victim of identity theft and have submitted several police reports and identity theft reports to XXXX and TransUnion as proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There is a reported address on my credit report that does not belong to 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 2015-04-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I purchased a credit report from TransUnion online for advertised price of {$1.00}, charged to my XXXX XXXX XXXX XXXX card. Upon receiving my XXXX bill this morning there was a charge from TransUnion, in addition to the {$1.00}, of {$19.00}. I called TransUnion, whose representative insisted I was liable for this additional charge because I did not " cancel '' within 7 days of ordering the credit report. ( While the representative did agree to cancel my " subscription '' for any future months and to send me a confirming e-mail, I have not yet received any confirming e-mail from Trans-Union and am concerned they will seek to impose this charge in future months. ) I saw nothing on the TransUnion website imposing this alleged additional monthly charge or any obligation on my part to " cancel '' within 7 days of the date [ XXXX XXXX, 2015 ] I ordered my {$1.00} credit report. Looking at TransUnion 's website as it exists today following my unsatisfactory call with TransUnion, I did see this proviso there in small print and not presented in a way that most people would notice. My perception is confirmed by the large number of similar complaints against TransUnion on the XXXX website and by my conversation with XXXX XXXX XXXX, who advised me they have received many complaints about this TransUnion practice from their credit card customers. 
The deceptive sales tactics of TransUnion are obviously designed to mislead consumers and to evade TransUnion 's legal obligation to provide an annual free credit report and/or limiting the amount of money they can charge to provide a credit report. I contacted TransUnion for my credit report on XXXX XXXX immediately after receiving a letter from XXXX XXXX that my personal information in their system had been stolen by hackers. TransUnion first refused to send me the free annual credit report, to which I am legally entitled, online, because they were not satisfied with the answers I gave online to palpably obscure and misleading questions supposedly designed to ensure I was actually the individual in question entitled to the report. However, TransUnion was willing to and did send me my credit report online when I went on their website an hour later and agreed to pay them {$1.00} for it per their deceptive offer. ( In the latter instance, unlike my initial application, I was not asked any obscure questions going back XXXX 30 years. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed several times and have not gotten the results I wanted, and the customer service staff was n't any help in assisting. Please remove ALL address off my credit report EXCEPT : XXXX XXXX XXXX, XXXX XXXX, FL XXXX And please correct my name on file to : XXXX XXXX. 

No other names or addresses should be on my credit report. 

Thanks.

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 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
RECENTLY questioned a public record on my credit file, asked that the information be investigated because clearly the furnisher has given wrong information ... ..US XXXX court sent a letter stating they do not furnish public records to 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 2015-11-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I paid off auto loan VIN XXXX with XXXX about 5 years ago. XXXX was to have released lien on my vehicle. XXXX had an obligation to electronically clear my title when the load was paid off. 

When I called XXXX to have it released they stated that it would take 24-36 hours. 

I beleive XXXX has a pattern and history of failing to release liens.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a chapter XXXX in XXXX which ended up getting dismissed because they never told me i had to turn in my actual tax refund. i received a call from them in XXXX of XX/XX/XXXX after XXXX saying I was in default due to their neglegance. When I made my payments for XXXX years never missing a payment. I had my XXXX hearing in XX/XX/XXXX they said they changed the info about my tax refund in XX/XX/XXXX without my knowledge. The lawyer wanted me to put approx XXXX into my bankruptcy as debt owed when in reality it was not and it would have made my payments go up as well so they went to court to modify and they just decided to dismiss it because I did n't think that was fair to me. They went to court without notifying me and just left a voicemail that the bankruptcy was dismissed. Therefore they dismissed their contract without my knowledge so I disputed that the bankruptcy was in error because I should not be penalized for that. That lead me to getting on a payment plan for parking tickets after 2 years this was the initial reason I filed a chapter XXXX to get my license back for court. At that time I was advised that I had to put my car into the banruptcy. When the bankruptcy dismissed I tried to pay the car out for XXXX dollars they said that was not enough. I went in XX/XX/XXXX or XX/XX/XXXX to trade the car in they offered XXXX at rogers auto group and they denied the payment and said I owed over XXXX dollars which was fraudlent. I owed about XXXX when I went into bankruptcy they paid a little less than XXXX dollars to the XXXX finance and out of trying to work with them they said I had to give them XXXX to keep the car and continue to pay XXXX mthly so I gave the car back they sold the car at the auction for XXXX less than what I offered and the trade in amount. On the deficiency letter it said amount owed XXXX which was correct they sold the car for XXXX and left a smaller balance now as of XX/XX/XXXX or XX/XX/XXXX these people added another sierra accont for over XXXX when they sold the car in XX/XX/XXXX I sent the letter in from sierra to all three credit bureaus and they refuse to delete the fraudlent items. how can I owe more money? The letter clearly stated I owed XXXX something but even with that they put a fraudlent account of over XXXX I have been disputing this since XX/XX/XXXX. Im frustrated and I am ready to sue because its wrong. Can you please look into this get it deleted and let me go on with my life. I called XXXX I emailed them and they still will not correct so once I sent it in XXXX and white they should have deleted the items. I have copies but I can not attach them from my work computer

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 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To who it may concern. Upon receiving my credit report I have received a XXXX rating on my Consumer Credit and Background Report. I believe this is due to the incorrect information of a criminal record appearing on my report. The criminal record has been cleared for three years to date by the XXXX Superior Court XXXX California location, and my credit score should accurately display information. According to the courthouse the license plate violation was erroneously added to my credit report, and after verifying with the court I have paid the fee and it is cleared from my record. In addition, the criminal report is alarming and sounds like I have been convicted of a crime, when in reality it was only a traffic infraction for not having a front license plate. I would like this minor offense removed from my report due to the fact that I no longer have it on my record and it should not have been there. On my report there is also a non-exact match of the XXXX XXXX XXXX XXXX XXXX XXXX that I would like to have removed because it does not match me so it should not be a flagged section. Furthermore, I was not convicted of any crime and the case was dismissed there is no reason why this should appear on my record. This is affecting my possibilities of obtaining housing and I am very dissatisfied with the credit report. I am requesting a free copy of the new report that reflects the corrections made, and I am hoping that this edited report not be counted as my free yearly report. In addition I would like the new credit report to be sent to anyone who has received my credit report in the last six months, due to the previous ones having incorrect information. Also I was hoping to get an explanation for the XXXX rating because although I have been a credit card holder for only a short period of time, I have never missed a payment nor maxed out my credit limit. I am a responsible borrower and I have a good credit score listed as XXXX on the 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 non-monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Delbert Services
State: AL

Complaint narrative:
Spoke with the dept of loans here in Alabama and was told this company does not have a license to do business in Alabama and that she had sent these companies I mention in this report to you all for investigation from other consumer. I took out a {$2600.00} dollar loan and paid {$290.00} for a year and my balance is still XXXX With past due of {$610.00} and then tried collecting again through XXXX for the total amount of the original loan, now reporting on XXXX with XXXX as a write off of XXXX $ with a {$1600.00} past due balance. I was told by the contact person for bureau of loans that this was given to you all before and is being investigated. Many states have taken action including voided these loans. Please get these predatory people to shut down. Western Sky is the originator of these loans and the document by Delbert services says refer to Western Sky for questions. This info needs to be verified. Western Sky is not doing loans now. I wonder why? They immediately after doing the loan say they sent info via email that they ( Delbert ) would be collecting on the loan. Please do research and figure why did they sell the customers from western sky to Delbert services and now XXXX XXXX. They are killing my credit report because I am refusing to pay after researching they are under scrutiny with other states. This has got to be illegal. They are now trying to collect with settlements for half the amt of the loan and someone has been calling my cell and not leaving a message. He 's asks for me and does not say. I owe no one to call me discretly. I think it 's XXXX trying to catch me. Please make this go away off my credit report. I have tried hard to fix it and now they have trashed it along with having been harassed for months before contacting you all before. They wrote it off XXXX for {$2600.00} and sent an email to collect again XXXX/XXXXXX/XX/2015 for the XXXX {$.00}

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