vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: AZ

Complaint narrative:
XXXX # XXXX and XXXX # XXXX are not mine due to identity theft. I have reported this information too credit reporting companies and STILL not off my record with them or court. I filed information with XXXX and again court and credit reporting companies have NOT removed this information on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I fell behind on my car payments due to medical reasons. I contacted Ally to setup payment arrangements and spoke to XXXX on Wednesday XXXX/XXXX/XX/XX/2015 with the XXXX payment to be made on Friday XXXX/XXXX/XX/XX/2015 XXXX assured me as long as I made the payments my car would not be repo 'd. On Friday XXXX/XXXXXX/XX/2015 my car was gone. I call and spoke with XXXX and several other who would not help me or give me any information. I contacted the redemption center on Monday XXXX/XXXXXX/XX/2015 and spoke to XXXX who quoted me {$2000.00} to redeem vehicle by XXXX XXXX, XX/XX/2015. I contact the redemption center on XXXX/XXXX/XX/XX/XXXX to get the XXXX information to make the payment necessary and I was told I needed to pay over {$7000.00}. They stated this was to close my loan out and that was the only way I will get my vehicle back. I spoke to several people that would not help me, they would not give me a copy of my contract or any payment history.

Company public response: Company 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: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is the 2nd time I have filed a complaint against Transunion. As usual the first time they did NOTHING that I requested for dispute resolution when I contacted this agency. All I asked for a reset of the credit history, since I knew they were violating US law. 

They did NOTHING of the sort and I know they did n't check all of the disputed items You got played like a fool but hey whats that saying good enough for government work? They sure did n't delete, anything acknowledge anything, nor erase what I asked them to as a clean credit history.

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 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report is showing XXXX names and addresses that are not me..I have never lived in those addresses

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 2016-07-06 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:
Accounts on TransUnion previously deleted now reinserted without receiving a 5 day notice.

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 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Once again, I 'm making another complaint against TransUnion for failure to remove inaccurate information from a credit report. Federal law requires that the credit bureaus report information on my credit file that is accurate and complete. I 've proven numerous times and have made numerous complaints against them for reporting information such as date that do n't exist, court names that are invalid, and reference numbers that do n't belong to the bankruptcy. 
You can find all this information in the documents attached. I also do n't understand how the credit bureaus can respond and say that these items are reporting accurately and meet the requirements of federal law when I 've proven, like I said, that this information is inaccurately and incompletely on there. Are you saying that a bankruptcy court name is not supposed to be listed as US Bankruptcy Court? You 're also saying that the city and state should be listed? You 're saying that " us bankruptcy court '' is the way that the court is supposed to be listed without listing the city and state?? 
I 'm appalled at the responses that I 've received not only from the credit bureaus but also from your government agency that is supposed to protect me against this abuse. It does n't matter where I pulled my credit report, this is the way that I 'm seeing these listed and the way that my creditors are seeing listed. You need to actually look at the documents that I 've attached and you will see exactly what I 'm talking about. Do n't just send this information to the credit bureaus without looking at it. I 've attached my letters, my previous complaints, and the proof directly from my credit reports that they are in violation of federal law. I require that these items are removed immediately and permanently from my credit report. I 've also made complaints with the Atty. Gen. of California, as well as the Better Business Bureau. 
I would like to see the actual, physical documentation that supports their reporting of these XXXX items. Congress states in XXXX versus Trans Union from XX/XX/1997, that the only legal form of verification is the physical documentation. In addition, there required to have this physical documentation prior to ever reporting it on my credit report. So why is it so difficult for them to send me these court documents when they supposedly already have them? Even if they do have them, they can not prove that they 're even reporting these items accurately. I have the proof and the proof is exactly what I need for these to be removed. I 've already retained an attorney, and my attorney gave me the advice to make one more complaint and send one more round the letters before I take legal action.

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 2016-07-07 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:
XXXX XXXX XXXX ( XXXX ) placed a collections account on my credit for an alleged debt of {$270.00}. I never received a debt validation letter from XXXX, and when I asked them they said they mailed me one in XXXX 2016 which is a flagrant lie in flagrant violation of the FDCPA. XXXX is illegally trying to " park '' an alleged debt on my credit report even though I do n't owe any alleged debt to XXXX. The tradeline for XXXX needs to be deleted because I do n't owe any alleged debt to them nor did I ever receive a debt validation letter.

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 2016-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Account balance has not been updated by Trans Union since 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 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed items on my credit report with TransUnion XXXX/XXXX/2016 via their online dispute portal. I received notice upon logging in to check status of my disputes that they needed additional time. I have reached out to them with no assistance regarding the fact that they have 30 days to investigate and either verify and/or delete items from my report. This is very distressing and they have been of XXXX help. I have also notified them of my taking steps to file a complaint with you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
After 3 requests sent certified mail with electronic delivery confirmation Transunion is still reporting the same inaccurate information. They send back a statement that says it has been verified even after 2 requests for method of validation and who they spoke with. I have requested they delete the trade line due to their lack of verification or proof that this is in fact my debt at all. I do not understand how they can accurately report information that they do not have.

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 2017-01-17 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:
Wrong address is being reported my current address was deleted ands my old address from 12 years ago was a added. XXXX ny XXXX is an old address and should not be listed as my current address. My current address where I reside is XXXX ny XXXX and my XXXX ny XXXX. Please correct asap thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 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: TX

Complaint narrative:
On XXXX XXXX 2016 I checked my credit on credit karma and had a total of XXXX hard inquires removed from my report. I checked my account on XXXX XXXX 2016 and all XXXX hard inquires inquires were placed back onto my account without sending me a reinsertion letter as required by FCRA section 611. I have been calling Transunion ever since and received no help. No one will transfer me, no one will connect me to an American representative, or the fraud department. Multiple agents have been belligerent, some have told me that they know what happen but it 's basically too bad and I should simply file a complaint because they will not fix it.

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 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have over XXXX credit inquiries on my credit file from companies trying to run my credit without my consent and i would like all of them removed as its hurting my chances for getting a mortgage and other credit products. I would like all of these 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 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: GA

Complaint narrative:
I am trying to get XXXX of the collection account off my credit report because the item does n't belong to me. I disputed this account with the credit bureaus and they keep on saying that the item belongs to me. I disputed this account directly to the collection agency who are furnishing this information but they are sending letter back to me saying that the items belongs to me without any documentation to support this actually belongs 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 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The following inquiries were removed from my report by Transunion and were resubmitted by Transunion without properly notifying me, therefore the items should be removed. 

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 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX is reporting that I have XXXX outstanding debts with their company, on my credit report. They are reporting XXXX separate debts of {$1700.00}, {$520.00}, and {$480.00} respectively. I am unaware of any of these. I have contacted XXXX numerous times requesting a verification of these debts, but the will not give me any information about the origin of these debts they are reporting. They just ask me to pay them, even though I do n't know what they are.

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 2015-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
Almost two weeks ago, Ally 's fraud prevention contractor called me about a potentially fraudulent purchase. I confirmed that the transaction was unauthorized, and then called Ally 's customer service to order a new card. Both times, I confirmed whether recent transactions were fraudulent or legitimate. Ally told me that the fraudulent charge would not post. 

However, a few days later, the charge indeed posted, so I sent a message to Ally reminding them about our earlier exchange. After initially refusing to discuss the transaction over " secure messaging '', Ally claimed that the charge in question was an entirely different transaction, even though it was from the same merchant, on the same date, and for the same amount. Even though I thought we had resolved the fraud earlier, Ally insisted that I fax ( yes, fax ) some forms to them. After I replied that I had no easy access to a fax machine in 2015, Ally reluctantly agreed that I could instead email the forms " as a last resort. '' They confirmed my email address, and later said that somebody from their " executive response team '' would contact me. 

A week and a half after the fraudulent transaction, I received the mailed forms, but apparently they forgot about the electronic copies that they said they would send me. I 've also yet to receive the promised call. It seems they 've lost interest in my case, though at least I 've finally received my replacement debit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I learned about the bankruptcy on my record last year, and since that time I am trying to clear it as I never filed for any bankruptcy. I disputed it several times and I am not agree with results. Please help me to clear it, I never went to court, I never filed for bankruptcy for {$0.00} dollar amount, I had no idea about it. I never got any paperwork from the court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
An account titled XXXX was opened in XX/XX/2012 under my name, Jointly, and I never authorized this account to be opened. I am not even sure what the Account is for. This account was past due multiple times and is negatively affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
all XXXX credit has wrong addresses. l have lived at XXXX XXXX XXXX XXXX, Oh for XXXX years. all XXXX bureaus have multible addresseswhich i have never lived there. also theyhave a name XXXX ( my grandaughter ) which shoud not be on my report. also i have never applied for a 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 explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Dear TRANSUNION I 'm writting to you Once again Inference to some Unverified items on my credit File but you keep failing to do so. TRANSUNION I 'm fully aware of the Federal Law. yourself and The creditors are not following THIS FEDERAL LAW. the way this law is sit up is that you The reporting agencies should have the consumers Orginal signed documents in your physical possession I have asked you to please provide me a copy of the followings documents with with my signature attached to it. XXXX I know you DO NOT KEEP THIS INFORMATION ON FILE AS YOU HAVE TOLD ME MORE THAN ONCE. BUT HOWEVER THE FCRA 609 ( A ) ( 1 ) ( A ) CLEARLY STATES THAT AT THE CONSUMER REQUEST YOU MUST I REPEAT MUST PROVIDE THAT PHYSICAL AND LEGAL CREDIT CONTRACT. IF YOU ARE NOT ABLE TO PROVIDE THAT INFORMATION IT STATES THAT THE ITEMS MUST BE DELETE. HERE IS THE THING IN WHICH SO MANY CONSUMERS DO NOT UNDERSTAND BUT I DO YOU ARE NOT A FEDERAL AGENCY AND YOU ARE NOT ALLOW TO REPORT ANY INFORMATION ON ANY CONSUMER WITH OUT THAT SIGN CONTRACT YOU ARE BREAKING THE LAW AND I DEMAND THE FOLLOWING ITEMS TO BE DELETED FROM MY CREDIT FILE IN ORDER SO I 'M ASKING YOU RIGHT HERE RIGHT NOW TO PLEASE REMOVE THESE NEGITIVE ITEMS ASAP XXXX XXXX XXXX LATE PAYMENTS XXXX XXXX LATE PAYMENTS XXXX LATE PAYMENT AND ALL CREDIT INQUIRES THAT IS OVER 30 DAYS OLD. I request this deletetion ASAP

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 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion has not increased my credit score where it is suppose to be after all debt was closed in good standing and/or removed. Also it reports i have XXXX collections and have only XXXX open accounts in good standing but the information for XXXX is incorrect which I have been disputing it with transunion XXXX with no response from Transunion. My credit report states It is basing inform " 3 years from today 's date. In which it states contradictions that effects my sore. I have XXXX late payment ( not true ) XXXX on time payments, XXXX " current '' on time payments, totalling payments to be XXXX. But the grid they display is showing no late payments and all payments on time. Also it shows the grid shows XXXX, XXXX payments being code for " unknown ''. and counting it as XXXX missed Delinquents payments and XXXX missed payments ... And refuse to demand XXXX to explain and/or fix. I explained that During those years I was under XXXX XXXX mortgage modification program in which it clearly states and the bank stresses that any late payments during this process ( XXXX, and XXXX ) mortgage will be denied modification. I completed the program successfully with no late payments on my mortgage being modified. Trans Union, XXXX, XXXX marked those years unknown, delinquent, and missed payments all at the same time which is NOT TRUE. Which " XXXX '' ( nothing ) in collections XXXX accounts open in good my score should be more than XXXX. I need all credit bureaus, and XXXX investigate and my credit and report corrected.

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 2016-09-14 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: CA

Complaint narrative:
I was able to get my free report ( through XXXX ) from XXXX. I went to the FTC site and clicked on the free annual report link to get the ones from TransUnion and XXXX ... two days ago, but I was told they were unable to complete my request from XXXX sites. I read somewhere that i should wait 24 hours and try again. I just tried again and still ca n't get them. As a matter of fact, TransUnion is now saying they have already provided me with my free credit report ... but that 's not true. And also, Equifax keeps asking me these multiple choice questions about loans I have never done, and that do not apply 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