vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I filed an online dispute with TransUnion on XXXX XXXX to have the XXXX account balance verified and validated. I also attached a copy of my mortgage statement to serve a proof of the balance. I received a letter in the mail XXXX XXXX, 2016 file number XXXX that the XXXX account was deleted. I contacted TransUnion at XXXX at XXXX and spoke with XXXX. She denoted the account was suppressed and was unable to add the account back to my credit report although it was their error it was deleted.I proceeded to ask how did they verify the information and if it was verified it would not have been deleted given I still have a balance with my mortgage company. Furthermore, what parameters do TransUnion have in place when they delete something by mistake so they can add it back? Also, what recourse is provided to the consumer when TransUnion has caused a drop in their credit? Why did n't an updated credit report accompany the investigation results? None of my questions were answered to my satisfaction so, I requested a supervisor and was transferred to XXXX who had a very nasty disposition. I asked the supervisor if they could put the deleted information back on my report. In addition, what recourse do they have when they make an error and make a consumer credit score go down? How do they remedy their wrong? I was informed it was nothing they can do because they do n't contact the lender it is my responsibility. Why, am I having to correct the error TransUnion made? 
I called XXXX and spoke with XXXX at XXXX in which she transferred me to XXXX in the Credit Bureau Specialist Unit. She verified XXXX received the electronic notification on XXXX XXXX, 2016 and sent a notification to respond to the correction on XXXX XXXX, 2016 but did not request a deletion. XXXX denoted she would attempt a reinstatement which takes 3-5 days but it is no guarantee it will be added to my account given it was deleted and provided me with a case # XXXX for the XXXX account.

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 2015-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My name and address is incorrect on my Trans Union credit report. My legal name is now XXXX XXXX my address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Since XXXX XXXX, 2016 I been contacting Transunion about removing inquiries on my credit report that have resulted from Identity theft. I have contacted them on the phone multiple times and provided them with my identity theft report Filed on XXXX XXXX, 2016 but they have refused to remove the fraudulent inquiries. 
Agencies must block identity-theft-related information. FACTA adds a new section, XXXX, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumer 's identity, a copy of an identity theft report, the consumer 's identification of the fraudulent information, and the consumer 's statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ). 

XXXX and XXXX have removed the inquiries already and Transunion is the only bureau who has not. These practices by Transunion are violations of the FACTA Act regarding identity theft and I will be pursuing legal action if these fraudulent inquiries are not removed immediately.

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 2017-02-26 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:
I WOULD LIKE FOR THE LANGUAGE OF DISPUTE TO DISAPPEAR FROM MY CREDIT REPORT. SINCE IT SAYS THAT I AM DISPUTING THIS ACCOUNT AND I AM NOT OR AUTHORIZE TO HAVE THAT ON MY CREDIT REPORT. FOR THE ACCOUNT 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 2016-09-26 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:
I attempted to dispute this with transunion, but their online system keeps giving me an error message. 

There is a XXXX account reporting on my transunion report. I have never opened a kohls account. The account number is showing XXXX and I have no idea what this account is. I have never paid on this account because i had no idea it was even opened.

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 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX credit reporting agency 's or fax and the other main XXXX have my credit for only two or three years. That 's a lie! My XXXX XXXX card alone I have had for 40 years this makes my reporting on the time of credit shows only two or three years a lie! Both XXXX and Trans Union show my age of credit as two or three years! I want this changed! XXXX agency shows XXXX hard credit inquiries and the other shows only XXXX. I have not allowed XXXX companies to do a hard credit report on me, so if they are there it is False filing!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My mother and I have the same name but different Security Numbers and addresses. I have been under a different address the past two years. I see some disputes on my report that possibly could have came from my mother. I have not been to a college. Please let me know what future steps I have to resolve these issues please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i have a loan from XXXX showing its false

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
credit bureau TransUnion not showing my correct information disregarding official state records open for public:1. as my employment history -I was working with XXXX since XX/XX/XXXX until XX/XX/XXXX with XXXX since XX/XX/XXXX till present2. as my correct name -they showing XXXX names for me instead of oneI am XXXX XXXX only not anybody elsedisputed the same issues with XXXX and they promised to fix it, hopefully they will as well as othersPlease help me out because these situation continuing for a years and they are not helping at all

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03 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: TX

Complaint narrative:
TransUnion has blocked me from getting my credit report online. This is preventing me from being able to monitor my credit report for fraudulent activity. I am paying TransUnion to be able to monitor my credit score & report but ca n't update or view anymore reports from them due to the block. I 've attempted to call TransUnion and I get transferred to the fraud department which then transfers me to some some special Priority department voicemail. I 've left several voicemails and they do not return phone calls.

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 monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have NEVER LIVED on XXXX XXXX, XXXX, NY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Financial is not reporting my account with 100 % payment history to XXXX which is causing my credit score to be lower on that report. Please report account number XXXX to my XXXX 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 2017-03-05 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:
Upon checking my credit file with Transunion, I see that an account With XXXX has been removed and then reinserted between the week of XXXX through XXXX 2017. I have no legal binding contract with this collection agency. I would request that account in question be deleted permanently from TransunionXXXX and 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 2016-09-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I paid off my loan with ally bank back in XXXX. I cancelled my XXXX insurance, and the dealer sent it to ally bank on XXXX XXXX, 2016. I called Ally bank customer service in the XXXX spoke to XXXX. She stated thearlier check was cashed on XXXX XXXX. First off, my loan was paid off. Ally had no reason to cash this check when the account was ahd has been paid off. Then she proceeded to say I have to wait 10 business days for that check to clear. Then, I have to wait an additional XXXX to 5 days to mail it. Meanwhile ally earns interest on my money. Ally stated they endorsed the check that had my name on it as well. Ally had no right to cash a check that did n't belong to them at all. I tried speaking to a supervisor but of course I was told XXXX to 72 hours before I would be able to talk with someone. My question is why would they cash my check when the balance is zero and then hold my check until 15 days? I 'm not really happy with them and cashing of my check they could have returned it or signed off on it and sent it to me to worry about a dealership check clearing. Not to mention checks clear now within XXXX to 2 business days due to check XXXX when that took place. Meanwhile, I 'm the one who is waiting for my check that I 'm entitled to especially when there is no Balance and my account was closed. Ally needs to be taught business practices and to stop this way of doing business .. I paid my car payments on time and I did n't make them wait to talk to me at any point. I 'm sick of these big companies taking advantage of us consumers.

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 monetary relief
Consumer complaint received 2016-09-10 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: IA

Complaint narrative:
My name is XXXX XXXX, and my Social Security number is XXXX. Ive had several problems ever since someone decided to use my Social Security number for different things, and Ive been denied my right to [ access ] my credit report information or my credit history regarding my finances, credit, salary earned, debts that I need to verify, and everything else. Nobody has the right to deny me what is mine, and I need it. Ive been deprived of all information and privileges, and my ability to overcome this has been obstructed, because businesses havent hired me due to a lack of information on 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 2015-12-30 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:
XXXX XXXX ran my credit report and did XXXX hard inquiries during the same time frame which impacted my credit report. XXXX XXXX shared my credit report with XXXX XXXX and they did more hard inquiries. I need all the hard inquiries deleted from my credit report because they abused my credit report. The hard inquiries are negatively impacting my credit report and score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 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:
There is an extended fraud alert on my account ; I am entitled to XXXX free credit reports. Transunion 's online site shows that my fraud alert is active through 2022. The link to request a free fraud alert credit report takes me to a page that calculates the price as {$8.00}. This report should be free. There appears to be no way to order the free fraud alert credit report online, or through the interactive voice response system. With considerable difficulty, I was able to reach a human being and order the report after waiting on hold for a large fraction of an hour. 

I would like Transunion to fix this defect on their site. The desired outcome is for fraud alert credit reports to be provided free of charge, through a link that is readily discoverable from the Transunion home page. 

I am attaching a PDF showing the fraud alert screen and the non-free order page. It appears that logic intended to discount purchased credit reports in California is taking precedence over logic that provides free fraud alert credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The state of Illinois put a lien on me for supposed back payroll taxes. This lien has been removed, as it should have since the taxes were estimated by the state and never owed in the first place, I had no employees during or since the periods in question. The Illinois Appeals board has removed the debt from me on XXXX/XXXX/XXXX. I have tried several times to get each of the credit reporting companies to remove this from my report but they keep telling me that it is still being reported by the state. I have and will attach a copy of the letter I received freeing me from the debt which I believe should also clear this from my report since these taxes were never owed in the first place. I have been fighting the state of Illinois since XXXX on this and should not have to have this phony tax burden hurting my credit it is making things very hard to move on with my life.

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 2017-04-02 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:
I called Transunion and told them that I was apart of their inquiry error that occurred in their system where they removed my inquires and then reposed them without notifying me and the Customer Service department did n't want to help me get the issue fixed. I want the following inquires removed off my credit report. Thanks for your attention to this issue!! 
1.XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX 6.XXXX 7.XXXX 8.XXXX 9.XXXX 10.XXXX 11.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 2015-09-24 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:
Trans Union Corporation ( XXXX : XXXX and XXXX ) and its subsidiary Trans Union LLC ( XXXX : XXXX ) continues to refuse to correct mailing ( situs ) address on credit file by intentionally reinserting invalid ( situs ) mailing address to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; and XXXX are germane. See mailpiece post marked XXXX XXXX, 2015, which I received via United States Postal Service on XXXX XXXX, 2015. In addition, the address identified as XXXX XXXX XXXX, XXXX, VA XXXX is not mine ; I never owned, lived, occupied or established resident at this address. 
Furthermore, Trans Union Corporation ( XXXX : XXXX and XXXX ) and its subsidiary Trans Union LLC ( XXXX : XXXX ) continues to refuse to delete adverse account, to-wit : XXXX # XXXX on credit file by intentionally reinserting inaccurate and fraudulent information to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; XXXX ; and XXXX are germane. See mailpiece post marked XXXX XXXX, 2015, which I received via United States Postal Service on XXXX XXXX, 2015. 
Pursuant to 15 U.S. Code 1666 - Correction of billing errors, I formally request the following documentary evidence pertaining to alleged Account Number XXXX and alleged payee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) ) : 1. A copy of the original credit application and loan agreement and disclosure statement showing the terms of the agreement ; 2. A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted ; 3. Copies of all documents and financial instruments used to pay the disputed late payments ; 4. Copies of all charge slips, invoices, promissory notes, truth in lending insurance disclosures, and all other documents proving indebtedness ; and 5. Copies of all documents sen to me regarding the alleged account. 
Immediately remove this inaccurate and incomplete information from your databases, which I have advised Trans Union Corporation and its subsidiary Trans Union LLC on, at least, XXXX separate occasions, more than 60 days ago. 
This letter is not meant in any way to be an acknowledgment that I have any outstanding personal debt regarding disputed alleged debt. 
Sincerely, I am /XXXX/XXXX , on behalf ofXXXX XXXX , Without PrejudiceXXXX XXXX ( Ret. ) XXXX XXXX XXXX, VA XXXX XXXX, 2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I leased a vehicle through Ally Financial. Immediately upon leasing the vehicle I turned on the auto pay feature through Ally 's website to play the bill in full every month, Subsequent to that, the sales tax increased, increasing the amount due on the bill. However, Ally never informed me of the increase nor changed the amount the automatic payment feature offered by their website paid. So now, a year and a half later when I am getting ready to turn the vehicle in, I am finally informed that their is a past due balance. Ally will not give me any information on any penalties or interest charge to me due to this error in how there system is set up nor will they provide an answer on if this has impacted my credit scores.

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 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I went to XXXX for small purchase and they have offered me credit card, I opt it and they have promised me to send the XXXX credit card to my address. I never received that card and they have started sending me bills. I have called them to revoke the charges since i never received the card. They said, they will omit the charges since i havent received the XXXX Credit Card. 

Today i have received the credit report from the credit bureau ( TransUnion & XXXX ) as ( -XXXX ) on my credit score, which is really bad. I wanted to file this complain against the XXXX credit card. Kindly advice me the further process, in order to balance my credit score. 

Thanks, 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