vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I called XXXX XXXX for billing XXXX because they are unfairly charging me for medical visits. I showed up at the office and they said the doctor could not see me and one of the charges they called me to come and when I arrived they said I did not have an appointment. The doctor has refused to give me XXXX even though the prescription XXXX XXXX prescribed has XXXX to it. XXXX. I came at their request they did not provide a service. XXXX XXXX, 2015 when I paid them is the only charge I should have. I always paid {$20.00} and had no balance owed. Every since I told them I had Medicare they have increased the amount. I have a deductive with Medicare which I did not know about until Medicare wrote me. Recently Medicare paid another bill at XXXX XXXX XXXX because I stopped taking the medicine that broke me out and started with the vinegar in a glass of water. I feel my rights have been violated by sending me this bill when they have not provided service. They have charged me {$170.00} 3 times. I am a XXXX and my rent is going up next month on their tier method. I do n't need this fraudulent charge on my credit. 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 2016-03-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry Has agreed to remove the inquiry from my Transunion report I did not apply and have no credit with these people. Delete XXXX for my Transunion report my id is attached please verify my id and signature

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 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a weird XXXX. I submitted a Dispute through transunion and it was for something small on an account that hadnt been marked Closed as on the other XXXX CR agencies. This took place on XXXX. Now here is were it gets weird. On XXXX XXXX my credit score on XXXX dropped from XXXX to XXXX. Now knowing this, there was no change on any of my credit reports maybe very minor but nothing that should have caused my credit score to drop. All three of my credit reports are basically the exact same with very very minor differences on closed accounts but thats it. The other weird thing is that at the same time my other XXXX credit scores went up from XXXX to XXXX all within the same week. Ive tried to call Transunion but Im on the longest scheduled deployment in naval history so usually dont get much time on land and they wouldnt help. Any assistance would be greatly appreciated. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally financially made a billing error. This is a non-valid debt. We have been fighting with them for 3 years to get this corrected. My husband 's lease ended in 2013. We were over the miles and planned to purchase the vehicle, however the dealer talked him into re-leasing instead and the dealer bought the vehicle. He explained this would absolve any fees. Our buyout quoted price from Ally was {$16000.00}, XXXX XXXX ( dealership ) paid Ally {$16000.00} for the vehicle. The dealership assured us we would not be responsible for anything further ( as did Ally ). For some reason Ally still sent us a bill about a month later for over mileage ( even though this vehicle was purchased by the dealer and not returned to Ally ). We have been going rounds with them to get this corrected. I even filed a XXXX report with them in 2013 where a manager responded and assured me it would be removed. However it never was.

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 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
HI, The problem seems to be the fact that the reports do not show credit reports showing all payments have been made on time, there have been no late payments missed or late for as long as I can remember. 
There was reporting of my lease payments made every month for for the time i have lived here, for some reason that reporting stopped?, I have never been late or missed a payment ever, but the non reporting seems to have affected my score, in the credit report it shows that there were a few missed payments when i purchased my car, this is incorrect, I purchased the car in XXXX 2002 ( new ) car was paid in full in 5yrs, not one payment was missed or late. 
The other accounts in my credit life such as XXXX account, phone bills, all the normal everyday bills that do not get reported i have never missed or been late, but this system does not take any of that into consideration when reporting my score. 
I have taken pride in paying my debts on time, there have been no derogatory reports, no negative anything, but yet the transunion report, and the others continue to show a few missed payments in the car purchase, account is paid in full and closed years ago, no reporting on on time lease payments going on 4 years now, never late, never missed a payment, this reporting just suddenly stopped for some unknown reason. 
I guess you can see i am a bit upset with this reporting system, the errors that are there, have tried to get them corrected by contacting the reporting agency 's, the fact that my banking and savings accounts are above average, because i closed a credit card account because i was not using it, my score went down, and it seems the only way to get it back to where it was is to get another credit card and go into debt, just does not make any sense to me!. 
Thank you for the opportunity to lay this out, really would not have to go through all of this if there was a accurate and efficient way of reporting errors that need to be corrected. 

Sincerely, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I just learned about " CFPB and DOJ Order Ally to Pay XXXX to Consumers Harmed by Discriminatory Auto Loan Pricing '' over this past weekend of my own web surfing. I had a loan under the period that was covered, so to day I contacted the cfpb today and advised that I had n't been contacted by the settlement admin and XXXX please provide that info. XXXX the person who answered provided me with the admin toll free number and web site. I called the admin and spoke to a person who advised me that ( 1 ) the deadline to opt-in was XXXX XXXX ( 2 ) I indeed did was on the list ( 3 ) that Ally bank and NOT the admin contacted consumers and provided the names to the admin. I advised the admin that I moved XX/XX/XXXX to a different address and that I never received a letter regarding this settlement. I was also advised that the checks were already mailed XXXX XXXX and that other consumers were complaining about moving and not getting the proper details about their rights under the settlement. How is it that the order of the court states that the admin shall contact eligible consumers and then it turns out that the defendant is tasked with contacting consumers? My vehicle has since been repossessed and could it be that the defendant did n't care to allow men to get any money back?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX after numerous challenges including producting the payment history which showed no payments over 30 days past due, Transunion finally updated my credit report. This specifically deals with the way XXXX XXXX is reported. After over a period of at least 60 days, Transunion willfully and intentionally re-added XXXX late pays that I have been disputing for at least one year. I have produced payment history 's hired an attorney disputed it and disputed it now and again and again. Unfortunately, Transuion never gave written notice of the re-insertion of negative information of my report and as a result is in violation of applicable Federal and/or State Law including FCRA, FASTA, and any and all other laws. I am asking that you intervene and ask Transunion to remove all late pays as they have payment history 's in their file and further make clear to them that they can not re-add negative information to a credit report without notice to me. I have reviewed all letters from Transunion and can find no communication regarding this. Again, this violates Federal and/or State Law and means the negative reporting that they re-added must be removed immediately or they are subject to suit. If they should fail to remove it I am asking that the FTC and the CPRB immediately file an injunction against Transunion prohibiting this conduct not only on my report but on any credit report. This is outrageous that they are willfully and intenionally violating federal law even though I have told them this numerous times. 

If you need any other documents such as credit reports please let me know. I have them all. 
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 2015-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I disputed the erroneous, unlawful, purportedly negative account from XXXX XXXX appearing on my TransUnion, XXXX, and XXXX credit reports. It is a direct violation of FCRA to report an alleged outstanding debt if there is an ongoing billing investigation. To report this to the credit report is grossly premature especially considering the unlawful overage charges for data and breach of contract for an advertised unlimited service plan. Upon conclusion of the dispute investigation, TransUnion deleted the account. I just received notification that the same XXXX account was reinserted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
incorrect informations

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 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have repeatedly disputed credit report information to Trans Union regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX ) and XXXX from XXXX XXXX XXXX Acct ( XXXX ). I received XXXX Cancellation of Debt forms in XXXX from XXXX as well as XXXX from XXXX in XXXX ( see attached ). These are specifically marked that the debts were discharged/forgiven and have supplied these to them disputing the reporting of them having currently delinquent open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I have provided to them in prior disputes, they updated the items correctly. Unfortunately XXXX reverted back to reporting it incorrectly as originally disputed and resolved. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts charged off, closed, with {$0.00} balances. Please help me get this corrected permanently. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 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 received a credit alert from my credit monitoring service, regarding a collection account for a account that was open back in XX/XX/XXXX. I have been a victim of identity theft since XX/XX/XXXX, do to me moving and some of my information was lost or stolen. I have a extended fraud alert on my credit for 10 years. Some times i get credit inquiries from people trying to apply for applications in my name. But now creditors must call me before opening accounts. I have also contacted the company and sent them a copy of my police report. This company is reporting to all XXXX credit agencies.

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 2015-10-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
At the time of the lease agreement, I was under legal age to sign lease agreement. I was still in XXXX school and on the lease we agreed he was head of house hold. I had no job just school That was also written on the lease XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 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: NJ

Complaint narrative:
I have service with info armor and Transunion has not accurately reported or corrected the information they have been providing XXXX. XXXX has stated they have been going back and forth with Transunion as well to no resolve. In XXXX 2016 credit score was XXXX and now its XXXX - I have no idea what the credit reporting agency has done behind the scenes within a month to in accurately reflect a score of XXXX. I am trying to purchase a car and this is effecting my loan qualifications.

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 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Per the case number above, Transunion agreed that the Student loan with XXXX had been settled and that the balance would be corrected to zero and settled. I now pull my credit report and they have reverted back to showing a balance and open. The settlement to the above noted case was that TransUnion agreed the showed be XXXX balance and closed as of XXXX/XXXX/2015. I need them to correct this again. All supporting documentation is included with the original case.

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 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed with Trans-Union multiple times concerning the XXXX XXXX acctspay history they are reporting on my report. My student loans as being on time in XXXX 2011 to then 90 days late in XXXX 2011. I do n't understand how TRANS-UNION can be verified. How can the information be verified as 100 percent accurate if the pay history is not completely accurate?

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 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I discovered an XXXX unknown medical accounts on my TransUnion credit report back in XXXX 2015. They are both from XXXX. I sent a letter to XXXX XXXX XXXX via certified mail on XXXX XXXX, 2015 and it was received on XXXX XXXX,2015, requesting validation and have n't received a valid response. I sent a dispute to TransUnion XXXX XXXX, 2015. TransUnion responded in a letter dated XXXX/XXXX/2015 that they Verified, no change to both accounts. TransUnions refusal to properly investigate is a violation of the FCRA and FACTA.

Company public response: Company 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 — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the validity of the XXXX account XXXX. Transunion continues to state they can verify this account as being valid but when I contact the company listed at XXXX XXXX XXXX XXXX XXXX SD XXXX they keep telling me they can not verify this account. I have sent request to the company in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting verification of this account by mail and have not gotten a response by mail. I called and spoke with XXXX at the number listed and he told me they have no copies of any documents to send to me verifiying this debt amount and that this account was written off an forgiven with a XXXX form. I would like Trans-union to provide copies of any information they have that verifies the validity of this account. I believe all account details are inaccurate and 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 2017-03-01 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:
Starting in XX/XX/2013, someone used my name and my address to create checks, and a fraudulent checking account. I filed a complaint with the FTC ( ref. XXXX ) and a police report ( RN. XXXX ). I recently found these checks on my credit report which 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 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My XXXX was totaled in an accident on XX/XX/XXXX and was paid out in full by XXXX XXXX in XX/XX/XXXX. XXXX XXXX was paid out in full, but they have reported on my credit file that I was delinquent with payments, As a result there is serious error on my credit report and my FICO score has been impacted. 
As a result of XXXX mistakes I can not get a loan to buy a home and I am suffering hardship due to the error made by XXXX USA staff.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Both XXXX and Transunion are reporting incorrect information to financial institutions.They are reporting adverse factors adversely affected my credit scores that include serious deliquency and Transunion also includes time since delinquency is too recent or unknown. This has been reported to 3 different financial institutions this year. After each time I have tried contact both agencies, but only able to talk to Transunion. Every time I am told there are no delinquencies on my credit report. They deny supplying the adverse factors. On XX/XX/2016 I wrote a letter to both agency and included a copy of the adverse factors I received from the first two institutions. Nothing happened. I got no reply and it was again reported this month to the third institution. 
To top things off XXXX offered free creditor monitoring which I joined. The score was based on Transunion data and the key factors provided. 1. Serious delinquency - XXXX Scores consider the presence of serious delinquency ( very late payment ) on person 's credit report as a powerful predictor of future payment risk. 
The problem is I have never had delinquencies plus none shows up on my credit report, so even lawyers who help repair credit can not help since it does not appear on my credit report. I am at a loss at how to get these two agencies to stop from sharing false information as it is hurting my credit. We wanted to refinance our mortgage, but this 'Serious Delinquency ' has really hurt our chances. 
I am praying that this complaint will help to get them to correct this problem. XXXX is the only agency who shows my correct credit record ... never late. Because of attempts to correct this issue we now have had a lot of inquiries as it is the only way to see these adverse factors. 
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