vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX XXXX, 2016 I was informed that TransUnion investigated my complaint regarding a disputed debt that I had no personal knowledge or any information from any source regarding the alleged debt. I contacted TransUnion on XXXX XXXX, 2016 and was given to a representative in XXXX who kept on stating that TransUnion did a proper investigation that substantiated that the debt was valid. I said that no one contacted me and showed me any documents that supported this unknown debt. The representative indicated that TransUnion had no responsibility regarding this matter except for contacting the collector. My understanding of the law is that the credit agencies have a legal responsibility to ensure that no fraudulent information is provided to the public regarding an individual. This activity on behalf of TransUnion and the collection agency, XXXX XXXX XXXX XXXX XXXX MA is against public policy and should be investigated and stopped. 
Sincerely, 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 2017-01-02 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: MD

Complaint narrative:
Trans Union has not been able to provide me with an online view of my credit reports despite many calls and speaking to several supervisors about the issues. They continue to state they are working on the problem but there is never a resolution. This issue has been ongoing for over a year. They insist that I call in every time I need to file a dispute or apply a security freeze on 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 2015-09-26 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:
There is a fraud and someone is using my name, social security, date of birth to obtain a mortgage, car loan and credit card. This person requested a free credit report on XXXX XXXX, 2015. Therefore I ca n't get a report in my own name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Trans Union continues to list an account with State of Oregon Child Support in the amount of {$1200.00} on my credit report. That amount has been paid in full and the account stands at XXXX and should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-25 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:
A few days ago i noticed a new XXXX Credit card in my XXXX account. I neglected to attend to this concern. Until last night i read that there was an influx of fraudulent actions and identity theft linked to started of new XXXX Credit card accounts. I immediately called XXXX to alert them. The account was closed. Shortly after, I noticed that the primary email that was used in my XXXX account was one I had never seen before and very suspicious. It included my name and a combination of other characters and ended with " XXXX '' very suspiciously similar to my real email, but not one I have ever set up. 

I immediately changed my email account password and proceeded to send a message to XXXX. 

Today, I also received a call from XXXX XXXX alerting me that a credit card had been opened in my name. Once again, this was not done by me and I have identified this as identity theft. They immediately closed the account and have reportedly alerted the credit bureaus. 

Fortunately, the XXXX Credit card and XXXX XXXX did not have any charges on it. 

I have called TransUnion to make sure they are aware. I just filed an electronic report with XXXX, I have not received any confirmation you. I will be calling XXXX shortly after. Also, I have my local police department on the way so I can create a police 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 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Transunion fail to delete a negative account older than 7 years. Moreover, the account has been sold and the statement from TransUnion determines the account is been verify but has been sold according to the original source.

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 2015-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
THE BUREAU TRANS UNION. HAS XXXX INQUIREIES THAT WERE UNAUTHORIZED. 
COLLECTIONSNOT MINE/XXXX -PAID IN FULLXXXX XXXX-NOT MINEXXXX XXXX -NOT MINE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 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:
XXXX XXXX put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Trans union several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Trans union credit report and to stop this harassment.

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 2016-04-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I have requested a payoff letter with my name and the VIN number of the car from Ally on Monday ( XXXX/XXXX/2016 ). I was told that it would take XXXX. Today is Friday ( XXXX/XXXX/2016 ) and I have n't received anything by either fax or mail. Everytime that I need something from Ally it always take 1-2 months. This is just the worst bank EVER. Never doing business with this bank again.

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 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX I contact you because and my credit report show wrong information personal because I star building my credit whit my Number of identification Regulary is confused whit information my father name is XXXX XXXX XXXX the confused is because I 'm used regularly XXXX XXXX name whit see at confused used at XXXX the wrong is and the birthday show at my father date and something information for inquiry is some for my dad and show me information wrong

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 2016-08-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
Although I make payments, but not always on time I am still harassed by ally auto. I receive about 3 phone calls a day. I just made a payment 3 days ago and yet they still call me non stop. I do n't know what to do to make it stop

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 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion allows XXXX XXXX XXXX to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/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 non-monetary relief
Consumer complaint received 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I received a letter from XXXX XXXX saying that they think that someone may have been opened a credit card account using my personal information. I made a personal credit report from Trans Union and I saw that someone has my name but different address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Good afternoon I had a car loan with Ally Financial for a XXXX XXXX with XXXX XXXX. 
I refinanced this loan and now I have the loan with XXXX XXXX XXXX. 
The current lender sent an overage when paying the loan of {$110.00} I got the check from Ally after many requests ( check number XXXX ) and I deposited into a savings account of the new lien holder and they returned the check ( I deposited through the mobile app ) after the check was returned, I called XXXX to see what happened and they told me to try depositing it again and I did into my XXXX checking account and it was returned as well. It 's very disturbing that a multibillion company is giving bad check to the costumers. I never made a late payment and I complied with the contract to the letter I also called them and they told me to expect an answer in 6 business days

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 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
A new name was added to my Trans Union credit report It lists a middle initial I do not know who added it I do not have a middle name or initial

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 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
over the course of the last two years I have tired unsuccessfully to get Transunion to provide me with the method of verification of the alleged bankruptcy public record used to verify disputed information. Transunion has refused to provide me the required method of verification per FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I have supplied the latest letter I received from Transunion dealing with a complaint filed with the Ohio Attorney General office. As you can see from the letter Transunion believe that they do not in fact have to comply with this section of the FRCA. I asked for the method of verification in letter form sent US mail, by Fax, and via telephone conversations with Transunion they were ignored or I was sent a form letter saying that they would not reinvestigate. Per XXXX TransUnion Corp the courts have held that the credit reporting agency must do more the parrot the results of the initial investigation and they must conduct there own independent investigation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
These XXXX individuals contacted me with deceptive collection practices claiming that I had an outstanding debt that they were taking me to court or filing in court. The first time I advised the individual to give me his contact information and to only correspond via court documents within the confines of the Code of Civil Procedure. Another contacted me about a year later stating the same thing. I have received no court documents and they violated the State of Texas XXXX XXXX by sending Electronic data as they sent these emails. Data that had nothing to do with me or my email account. They attempted to breach into my account and load it with emails from XXXX dating websites and I begin receiving emails from places that I never signed up to receive documents for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have previously submitted XXXX Certified Letter via USPS mail XXXX XXXX datting on XXXX XXXX XXXX and deliver and signed on XXXX XXXX XXXX XXXX the second on XXXX XXXX and XXXX XXXX requesting that a dispute be initiated for a XXXX XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is inaccurate. 
1. XXXX XXXX XXXX account is reported twice with XXXX accounts displaying the same account number XXXX reporting displays XXXX additional number however it is the same account opened on the same day closed on the same day with the same high balance. 
2. XXXX reporting of this account states the account has been paid with a zero balance and the account status is unknown, while the other states derogatory. 
3. Second reporting of the account states derogatory however ; the account reports no delinquencies XXXX/XXXX/XXXX. 
4. XXXX account displays a Zero balance while the other account displays a balance of XXXX. 
I have disputed this several times the first time trans union sent a letter back saying account belongs to you. Second stated that the account is correct.

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 2016-02-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I purchased a vehicle on XXXX XXXX and got it financed through ALLY FINANCIAL with a monthly payment of {$230.00}. I was making all my payments to ally financial on time and from time to time I was paying XXXX or XXXX XXXX dollars extra. unfortunately on XXXX XXXX I was not in USA and was in my country on a family emergency and since I was paying extra every month I assumed I can pay {$180.00} and still be fine with my monthly payments and would not be late on my account. next thing I know I get an alert from my credit report agency that I have a 30 days late on my car payment. immediately I called up ALLY FINANCIAL and spoke to a supervisor and told him exactly what I just described and he promised me as a courtesy he is going to remove the 30 days late charge. Obviously they did not remove the 30 days late. since then I have been in contact with ALLY FINACIAL and had requested to send to me a copy of all the payment that I had made to them and how it was applied and also requested to send me when they had sent me a note to states they are going to report me to credit bureaus for a late pay.

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 2016-09-15 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:
I recently obtained my credit report and noticed several Hard Inquires to companies that I did not authorize. I initially reached out to Transunion and XXXX to notify them of the unauthorized access to my personal credit report but was met with little to no assistance. Both CRA kept insisting that I claim that I was a victim of fraud in order to transfer me to the Fraud department. After several attempts, I succumbed to the pressure and had them put a fraud alert on my credit file, which still did not resolve my issue. 

I was advised that Hard inquires can not be disputed through the CRA but through the individual collectors themselves. I then contacted the creditors via phone and certified letter only to be told that they did not have any accounts open and my name, therefore could not provide me a written letter to send to the CRA for deletion. I 'm hoping by filing a complaint here, I would be able to rectify this situation and have those unauthorized inquires removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have an account with TransUnion that allows me to view mt credit report and credit score. The score that Transunion publishes is called a XXXX ( TM ). They listed my score as XXXX. I contacted a mortgage company for a Refinance, and they told me that based on their model, my score is XXXX. Even though I understand that there are different criteria and methods for calculating a score, one would not understand there could be such a large discrepancy. I was mislead by the high score calculated by Transunion criteria. Now I am at a great disadvantage having made plans to refinance at this time.What recourse do I have, since I am dissatisfied with the service I have paid for with TransUnion for XXXX years at {$17.00} per month? By the way- the lender called the scores entered by the credit bureau services " FAKE-O '' scores instead of FICOH scores. It seems very unfair, how can consumers play this game if we are not on a level playing field.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have written directly to each of the credit-reporting agencies multiple times since XXXX XXXX when I realized there were problems with items they were reporting. All answered me but did not remove the inaccurate items and my credit score has been dramatically decreased ... from over XXXX to now under XXXX despite only XXXX even possible negative item which I have disputed with the company to no avail. 

*I have never had a bankruptcy or foreclosure. 
*I have no personal or business loans at all - no car loan, no student loan. 
*I have approximately {$31000.00} balance on a mortgage that has never missed a payment in 25+ years. 
*Of the credit that I have actively available, I use well less than XXXX, more like XXXX % in revolving credit on XXXX credit cards ( XXXX XXXX , XXXX XXXX ) that is paid every month without fail. 

**There was an XXXX XXXX dispute that was resolved in my favor, which the credit bureaus are aware of, but somehow the " delinquency '' continues - is that right, even when the balance is XXXX? 
**There was a XXXX dispute from XX/XX/XXXX or XX/XX/XXXX where I tried to return a faulty cell phone and XXXX would neither allow me to return it for a new XXXX or fix the problem. So I cancelled the service. Only XX/XX/XXXX did that show up as a " collection '' item. 
**There is an XXXX XXXX item listed as delinquent on an old savings account that never had any credit associated with it. It dates from XX/XX/XXXX, it never existed, the XXXX branch is long gone from my neighborhood and yet they refuse to remove it. 

How can I have a credit score under XXXX based on XXXX " possible '' but strongly disputed problem valued at {$300.00}? It feels like I am being held hostage to some outrageous unknown extortionist. 

Please help. 
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 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Outdated information and negative old medical collection accounts continued to be report by XXXX despite payments made in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX placed my account with collection agency, XXXX XXXX XXXX, P O Box XXXX, XXXX, Fl XXXX, for breaking a 24 month contract which I never had. Going into the contract with XXXX I was told that it was for twelve months, which was honoredXXXX at no time told about this ridiculous 24 month contract which I would never have gone into if that was disclosed. I returned the equipment to XXXX as they requested. The amount reported to the Credit Agency is {$580.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation