vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-15 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 XXXX XXXX XXXX DOB XXXX/XXXX/XXXX XXXX/XXXX/XXXX Trans Union XXXX. XXXX XXXX XXXX, XXXX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification 1. XXXX XXXX no account number Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old. 

These are the non account holding inquiries over 30days old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Thank You, XXXX XXXX Attached : Copy of my Social Security XXXX XXXX XXXX XXXX is 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 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2017 I called TransUnion three times because I do not have access to my credit report online for viewing or disputes for whatever reason. I contacted TransUnion because there are some inaccurate things on my credit report. The first time I called I was immediately transferred by Customer Service to the special handling department because they said they had no access to my file and could not assist me. I then spoke with two different people who identified themselves as being in the special handling department. I was transferred again to someone else in special handling who advised that their supervisor was handling my file. I was then transferred to a voicemail to leave a message which I did. After not receiving a returned call I called TransUnion back again and went through the same transferring cycle. I was advised this time by two people in the special handling department that my file was being handled by the priority department and that they would transfer me. I was transferred to the same voicemail from earlier. I called back again only to go through multiple transfers of people that had the same script to the point that I could finish their sentences. I was transferred to the same voicemail and was not given any assistance whatsoever. Each call had 3-5 transfers and long holds before finally transferring me to the voicemail. I am feeling like I am being toyed with and it is highly unprofessional.

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 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this complain because TransUnion has ignored me request to provide me with the Documents that their company has on file that was used to verify the accounts i disputed they have gone past 30 days mark and can not verify these accounts. 
Under section 611 ( 5 ) ( A ) of FCRA - THEY ARE REQUIRED TO " promptly delete all information which can not be verified " that i have disputed Please resolve this manner as soon as possible, 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 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I recently shopped rates for a mortgage for a new home I purchased and closed on. I completed mortgage applications with XXXX companies ( XXXX Home Mortgage companies and XXXX traditional bank ). This all ocurred within 30 days. Now that I selected XXXX company and have closed on my new home, my credit score has now dropped significantly. The main thing I see that has changed is that my credit report showed an increase of hard inquiries from each of these companies checking my credit during the application process. I thought when you shopped for rates and actually closed on a mortgage that the credit bureaus would reflect this as 1 inquiry? Could it be that the whole mortgage process from application to closing took more than 30 days? I do n't think it is right that my credit score was negatively impacted by XXXX points. The Home Loan Companies I applied to are : XXXX XXXX XXXX Bank XXXX, RI the XXXX I used ), XXXX Bank, XXXX RI, XXXX XXXX XXXX XXXX RI, and XXXX XXXX. Multiple Inquiries came from a company named XXXX, XXXX, XXXX XXXX, and XXXX. 
I am happy to provide additional specific details upon request.

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 2015-05-30 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:
Trans Union is reporting me as an " Authorized User '' on an adverse account of XXXX XXXX XXXX Credit Card. I do not wish to be an authorized user on this account nor associated with the person who owns this account. Please delete this trade line from my credit file as an Authorized User.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC
State: LA

Complaint narrative:
I was scammed by Core Advisory Group called them back in XX/XX/XXXX when I received their mail advertisement stating I can get help with stopping my foreclosure sale which was scheduled for XX/XX/XXXX. The advertisement is all bunch of lies, telling me I can get a lower monthly payment, interest rates at 2 % and I was a eligible to be a plaintiff to file a lawsuit against my lender and plus their XXXX program can stop any foreclosure process. They are full of XXXX and nothing but thieves that did nothing for me but lie and stole my money. I signed up with this company on XX/XX/XXXX. They sent out a notary person to have me sign their documents and collect my money. After I paid this company a total of {$3600.00}, my house was immediately sold and they did not do what they said they would do to save my house and I want my money back. This is a complete scam. Around XX/XX/XXXX, I tried to ask for my refund but they make me go through their reconciliation process and fill out more paperwork just for my money back and they did n't even responded back with a refund offer until XX/XX/XXXX almost 5 months waiting for an answer just for them to tell me they are only giving me back {$720.00}. These crooks should be locked away for doing this to people. They did not do what they said they would do and that 's to stop my auction from happening to my house and get me a loan modification approval. This company also tried to get me to file for bankruptcy which I do not understand why would I pay them {$3600.00} for nothing when I could had used that money to hire a real lawyer? I feel they do not deserve a penny and I want them to return the rest of the money that I paid them {$2800.00} plus notary fees of {$120.00} so the total {$3000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My issue is i donot understand why my credit score is going down when i am paying my bills on time and have not tried to get credit from anyone. I called the credit bureaus to fine out why my scores was decreasing and i was told they could not tell me why. What she did tell me was i needed to have more credit cards. I could not close because of this. No inquiies have been made on my behalf. I am paying my bills on time or ahead of time. This is why i want to file a complaint on them. I see no reason why my scores should be as low as they are. I am trying to get this issue resolved so i can cloe on my home. Time is of essence. I am still paying my bills on time or before they are due. How could my scre drop so much in a month when there is no miss payments on anything. It is amazing how no one can tell you anything. Am i suppose to be homeless because of others not doing thier jobs correctly. I need to know how do you calculate my score if i donot pay my bill and many points is taken away but only XXXX or XXXX points is given when they are paid ontime or before time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I feel I was advised by an Ally Financial employee named XXXX around XXXX XXXX, 2015 tht that I could turn my lease in 4 months early and be done with the lease free and clear. 
I called Ally and spoke to XXXX after I had received a letter from Ally asking me essentially how would I like to end the lease. When I spoke to XXXX I reiterated with her several times " are you sure all I have to do is turn the lease in early? '' and she reaffirmed that was the case several times or at least that was my perception. I have contacted Ally several times and spoke to many people to just listen to the tape of the conversation that they have around XXXX XXXX 2015 but to no avail. I keep getting a complete runaround from dept. to dept. with promises to look into the matter and call back only to find no response. My feeling is I was duped and defrauded into believing I could turn the lease in early with no further obligation and I am sure I 'm not the first one this has happened to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I opened a dispute with the credit bureau, TransUnion, regarding inaccurate information being in my credit report. In addition to opening the dispute, I also submitted supporting documentation to verify the inaccuracy. The credit bureau has not been any assistance with correcting the errors in my file and keeps claiming that the information has been verified by the creditor. 

The following accounts are being reported inaccurately : XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 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: WI

Complaint narrative:
Our family 's information was breached through XXXX. I can not get information for my children 's 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 2016-04-07 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have a CD maturing at Ally Bank in 2 days. I called to renew it. 
XXXX told me she would renew a 5 yr CD @ 2 %, with a 2 month interest penalty for premature withdrawal. I asked her to put it in writing ( email ), she said she could not. Her word is good enough??? Are you kidding?? 
I suspect they are lying on the phone.

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 2016-11-06 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 received a copy of my credit report and notice that an account ( collection ) was added on my credit report causing my Transunion credit report to drop drastically. I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I 've researched this company and notice that they were connected to apartments that I have never lived at. I am furious at this point.

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 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I sent another letter to TransUnion to have my credit report corrected. The letter is attached and dated XXXX XXXX, 2016. My credit report is still show inaccurate information. See attached documentation.

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 2016-07-08 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: CO

Complaint narrative:
Actually there is no method to contact them to file a dispute currently - when logging in their page reflects they are engaging in a dispute but the credit report and the status of the dispute are inaccessible. 
Why is n't it easier to contact them? Why do they have to hide? And, what do they have to hide?

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: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my TransUnion credit report in XXXX XX/XX/2016 and i had only XXXX hard inquiries. When i checked my credir report after 2weeks, there 's XXXX hard inquiries.. I tried to call TransUnion several times since XXXX XXXX, 2016 but the customer service are not helpful and keep on saying I need to call each creditor one-by-one to remove it.. Im affected with the transUnion glitch and transunion should be willing to resolve these.

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 2016-01-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
After an internet search on a " XXXX '' website I was contacted by XXXX XXXX in XXXX XXXX XXXX. The particular salesperson who gave me a firm offer to purchase a new 2009 XXXX XXXX XXXX, with the exact options I need was not available when I went to the dealership to purchase the vehicle and sign fraudulently induced loan documents with XXXX XXXX XXXX XXXX, my note eventually sold to Ally Financial Services. The salesperson had me " robo-sign '' documents in blank. He acted fraudulently as I had automobile insurance at the time on the vehicle I owned before I bought the 2009 XXXX XXXX XXXX, with the XXXX XXXX of XXXX, and told the agent of Ally. Instead, he fraudulently went, upon information and belief to some local insurance agent he had an arrangement with, and without my consent purchased automobile insurance with a company I have never heard of, XXXX, who I never purchased an automobile insurance policy from, as I was insured with XXXX, but they are still reporting on my credit report as a negative collection account. Further, the salesman knew my son, XXXX XXXX was not licensed as a XXXX Driver, and as I was told after the fact by XXXX XXXX, the dealer should have never sold me the vehicle, as my son, was the primary borrower as I needed his income to qualify. Ally through their agent at XXXX XXXX told me I was getting XXXX which I did not receive based on the agreement I signed in blank. The dealership was told my son 's father, XXXX XXXX, ( XXXX-of blessed memory ) lived in XXXX XXXX XXXX, and my son said they could contact him as an emergency contact. The fraudulent salesman told XXXX that I lived in XXXX XXXX, and my son did, which caused a major family conflict. I have never lived there, nor has my son, as the dealer had my driver 's license, and my son XXXX State of XXXX Identification. Ally refused to provide me with accurate accounting on my account. I should have been paying on a new car loan as a priority buyer, not the figure they submitted to XXXX on the document I signed in blank.Please investigate Ally and have them refund to me the monies they owe me for their agent, XXXX XXXX putting in fraudulent figures, and acting fraudulent in violation of then existing XXXX XXXX policy, and in violation of the rules of the State of XXXX Department of State regarding new vehicle registration.

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 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
a state tax lien was filed against me XXXX/XXXX/XXXX, yet I was never notified of this. Then the tax lien was paid and released on XXXX/XXXX/XXXX. However, I was never notified of this matter and paid it once it showed up on my credit. Yet, it was my belief that I have 3 years to file any tax amendment 's if needed. I have disputed this for several years now with no luck. This is listed on all of my credit reports.

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: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX/XXXX/2016 I was trying to shop around for a new apartment. I had my credit report pulled and I discovered that someone has been using my name for medical service and have utilies in my name. I filed a police report and started a investigation. I have the following items reported to the local authorities ( XXXX Police Dept. ) My Name and SS was used to open several accounts for business or services. There was a Medical bill from a XXXX XXXX # XXXX, XXXX XXXX I never received service in XXXX . There is a XXXX XXXX XXXX # XXXX for a XXXX account that I never opened. There was a XXXX XXXX XXXX XXXX # XXXX I have never done business with this company. XXXX XXXX system # XXXXThere was an account opened at XXXX XXXX XXXX not XXXX account. XXXX XXXX XXXX # # XXXX for a XXXX XXXX XXXX I have never lived at the address listed I do not know who is using my personal information at this 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 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX and XXXX credit bureau is reporting this information on my credit file that it has been late payment but that cant provide me with support documents showing this acct has be late per Fair Credit Reporting Act Section 609

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 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have noticed there are XXXX new accounts reported from XXXX/XXXX/2016 ; XXXX XXXX, XXXX, and XXXX. If there are more than one credit card issued to me from each of these companies, then someone has stolen my identity. If there are only one account for each of these companies, these accounts have been opened and already reported for over 12 months, maybe even 18 months. Reporting them as new looks like I have applied for credit- which I have not done in over one 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 explanation