vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I contacted Transunion Several times about accounts being reported that are not mine. They requested that I file a police report before they remove them, which was absurd. I have filed a police report with XXXX XXXX Sheriff 's Office, Case # XXXX on XX/XX/XXXX. 

I am requesting the XXXX account and the inquiries from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX removed. I inquired from XXXX in the last year.

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 2015-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have never own a Credit card from the XXXX and it appeared on my credit report as collections balance to XXXX. As I have obtained a mortgage for my retirement home in Oregon, lender asked me to pay the full balance in order to get the loan closing because the credit reporting agency has been refusing to remove the error off my credit report! I paid the full amount of someone else 's financial misdeed. My husband and I are on a fixed income please help us to get our money back. Than you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Disputed statue of limitations of tax lien which has been paid to the State of CA for over 4 years now. Tax lien was placed on my credit reports on XXXX/XXXX/XXXX. XXXX reporting agency has since removed the lien judgement form my report. Transunion is refusing too, stating that the lien will stay on my report for an additional two years because it was paid off in XX/XX/XXXX. They give this reasoning based on the FCA, but what I have read states that if the lien has been paid that it is only supposed to stay on your report for seven years from the date that the lien was issued. Please assist. I do not know what else to do to get this inaccurate information removed form my Transunion credit 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 explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit 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 2016-06-28 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:
There are XXXX Aliases that I do not recognize and I believe there are using my social security number for unknown reasons. The XXXX aliases are completely unknown to me. I am here to find out why there are variations of names on my credit report. My goal is to deteriorate any false information that appeared on my credit report. 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 2015-07-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: TN

Complaint narrative:
I filed a complaint against Pinnacle Credit Services complaint # XXXX about 2 weeks ago, and this complaint has yet to be satisfied or resolved. This company is having difficulty providing accurate information on this debt., and have not been able to locate the debt by my NAME. Waiting more than the time which was allowed, is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally Financial, also known as GMAC Auto, was trying to contact me about an insufficient fund for a payment I had made them. Instead of trying to call me or wait for a response ( as I never got a call from them ), they somehow found the name and phone numbers of known associates ( friends/family ) of mine, called them and told them who they were ( Ally ) and was collecting a debt for me ( specifically said XXXX XXXX ) and then asked my friends to make a payment on my behalf. When my friends said no, they asked them for more of ways to get in touch with me and I 'm not sure who else they call. XXXX from Ally denies this happened. Ally also told my friend they were calling other people too. She left her phone # and extension with my friend. Sadly and most frighteningly, Ally knows my phone number and should not have been calling other people, telling them my business, and putting out my personal information like that - its unlawful, and goes against the FTC rules and regulations. I 'm not sure what other information they leaked about me, but it needs to come to end. And fast!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Trans Union refuses to properly report my former student loans from XXXX, which were discharged due to XXXX on XXXX XXXX 2016, as tpaid in full, closed, and XXXX balance. Trans Union previously reported by former XXXX loans correctly, only to revert them back twice. I want these former loans with Navient permanently reported as closed, PIF, and XXXX balance,

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 2015-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As a part of an agreed contractual agreement, the account was paid in full and specifically negotiated with the company, that the negative item would be permanently removed from all reports ( Transunion, XXXX, XXXX. ) As of this date, although the status has been updated, the item remains, which was NOT the agreement and is still negatively impacting my reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
After the death of my husband XX/XX/XXXX and the loss of my job, I was unable to pay the mortgage on our home. I went through the necessary steps and returned the deed to XXXX and it 's attorneys XX/XX/XXXX. It was recorded as becoming XXXX property on at the local courthouse on XX/XX/XXXX. The original deed was released to me XX/XX/XXXX. A new owner purchased from XXXX on XX/XX/XXXX. I am trying to get a mortgage for a condo I have under contract and it has been brought to my attention that all XXXX credit bureaus have XX/XX/XXXX as the date the deed was returned.Over XXXX year and XXXX months after it happened. Even though I have all sorts of proof, the mortgage credit bureau will not accept it because it has not been corrected on my consumer credit reports. Please help me! Time is of the essence.It 's hard for me to understand why this ca n't be easily corrected as the dates I am telling you are all public record at the local courthouse. We have been in contact XXXX, but this has not yet been resolved. All the documentation was rejected by the mortgage credit bureau. I 'm not sure I know the difference, but the date XX/XX/XXXX is just WRONG! Please let me know if you can resolve this for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I leased a XXXX XXXX XXXX from Ally Auto. At the end of the lease, I opted for the buyout option. At Ally 's direction, I secured financing and sent payment to them for the buyout amount, they deposited the funds. A couple weeks later they called me and advised they made an error and illegally sold me the XXXX as they are not licensed in the State of Florida to sell cars and they would have to reverse the transaction. They sent the funds back to my credit union. Afterwards they instructed me to take the vehicle to a local dealer in Florida. At the dealership, we decided to lease a newer vehicle as opposed to buying the XXXX and turned it in on XXXX XXXX, XXXX. I then received a letter from Ally advising they were charging me {$270.00} for lease extension fees because the vehicle was not turned in prior to XXXX/XXXX/XXXX. I detrimentally relied on the information they gave me concerning the buyout. Had they provided me the correct info from the beginning, I would not have turned the vehicle in late and therefore would not have incurred the charges.

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 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Attempted to mail extended alert to Transunion. Transunion gives the address as XXXX, PA XXXX. The US Postal Service infomed me that this address does not exist. Many other people have reported the same problem in online complaint forums.

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 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a unauthorized access to my Credit report by XXXX company. They are a unlicensed Credit reporting agency. I have previously requested proof of claim that was never provided. Request was made back in XX/XX/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 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: TX

Complaint narrative:
I made XXXX application for credit at my local XXXX dealership and there are XXXX hard credit inquiries on my credit report rather than just XXXX inquiry. This has lowered my credit score considerably. The credit reporting agencies do not provide a method to correct this obvious error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Clarity Services
State: IL

Complaint narrative:
I have XXXX hard inquries on my credit report from Clarity Consumer Services that state they pulled a hard inquiry from XXXX Credit Agency on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX stating XXXX and XXXX.I never had applied for any credit from these XXXX places or gave consent to pull my credit. I had disputed this with Clarity, faxed over a document, identification, and gave them authorization to investigate and was told they would not delete off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report with TransUnion has been frozen since 2008 and is showing me to have a credit score with my maiden name XXXX when my credit report is pulled with married name XXXX it shows I do not exist I have emailed them proof of my identity etc and they still have n't fixed the problem they have caused me and my kids to be homeless careless sick and poor they also cost me a foreclosed home worth $ XXXX that I was gon na purchase for $ XXXX but got turned down for a change loan etc because of 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 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
1. All XXXX agencies, XXXX, TransUnion & XXXX wrongfully report delayed payments to XXXX XXXX in 2013. I have sent official report from XXXX XXXX showing no late payments and they have not yet corrected this. 

2. There is no logical reason for the credit agencies to make the credit score lower due to the number of inquiries into the account. This process is very detrimental to the consumer and there is zero logic to it. My credit scores should be adjusted accordingly and they should stop this process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The Macy 's payments website did not process my payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient has only offered to give me a payment plan which would result in a payment I can not afford on a monthly basis. I 've tried to work with them to reset my debt back to what I took out. They only want a cash offer as a payoff. I pay them {$50.00} a month and my debt increase by {$1000.00} each month. What I owe is almost triple what I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that ALL inquiries 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 2016-02-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a XXXX, currently unemployed. I was looking at options to finance my education, and wanted to know if I had enough ( any ) credit built to take out a student loan without my parents cosigning. My free credit report did not display whether I had any credit established, so I paid XXXX {$1.00} for a full credit report. I got the report and saw that I did n't have any credit built so I would have to get my dad to cosign. 
Flash six months later, I recieve a text message from my bank telling me that I have overdrawn my account. It could n't have been possible, because I have n't been using that card. I looked at my bank statement and noticed that I have been receiving monthly reoccurring charges of {$19.00} since XXXX 2015. XXXX automatically signed me up with out me knowing to a monthly subscription with TransUnion. I had no idea this was happening, and the customer service department was extremelt insensitive when I explained the situation. I do not have an income, and I do not have any credit for them to monitor. It was disingenuous to sign me up unknowingly, especially for a purchase that was not authorized buy the card owner. They will not refund me. I want the company to be held accountable for what they did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
This complaint was resolved as identy theft 5 years ago by the FCC. Now I 'm getting notices again. I do not know what to so to stop this

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Mortgage Loan Number Loan # XXXX Gateway Mortgage Group , LLC, XXXX XXXX XXXX XXXX, XXXX, OK XXXX Gateway mortgage has erroneously reported my credit 30 days late for nine months beginning XXXX, XXXX through XXXX, XXXX ( sold house XXXX, XXXX ). I disputed this directly with Gateway Mortgage numerous times over the past two years, and I also contacted Transunion to dispute this information. Transunion 's response was " Verified, No Change ''. Report attached.

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: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern : I am writing to correct/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , CA XXXX also needed to correct/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX , CA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29 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:
The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX County told me that they do not verify that 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 2015-11-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I wanted to have a temporary lift on my Transunion Credit Report security freeze. I am a resident of the state of Nebraska which means I can get a freeze or thaw on my credit report without charge. When I tried to get a thaw by calling I was told it would be a {$3.00} charge. I gave my zip code which confirmed I live in NE. Since this was n't successful I tried to go online. My request could not be processed. I believe this might be because I have an alert on my account. I want XXXX things : 1. A phone number to reach a real person so I can get a thaw without a {$3.00} charge. 2. I want the CFPB to know that Transunion has a system flaw and all Nebraska residents have been erroneously charged {$3.00} for security freezes and thaws over the years. I also intend to contact the Nebraska Attorney General 's office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Some of the items have already been disputed and reversed, but not all and new accounts came in after my initial look. So far, XXXX accounts were opened : XXXX - Account closed and marked as fraud. Spoke with representative who stated it was opened in person at XXXX XXXX XXXX in XXXX, Colorado XXXX XXXX - Under investigation XXXX - Waiting for documents to begin investigation XXXX - Investigation complete, account closed as fraudulent and charges are being written off. 
XXXX - Under investigation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 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: GA

Complaint narrative:
I just spoke to XXXX employee id XXXX @ Trans Union credit reporting company. I want a one time copy of my credit report and score. The web site and XXXX told me I can only have it if I also by a credit monitoring service billed monthly@XXXX.

Company response to consumer: Closed with non-monetary relief