vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have an account that should have been deleted from my credit report in XX/XX/XXXX. The credit reporting companies refuse to delete this info even though its past the 7 year reporting period. The account being reported is from XXXX. I have an old credit report dated XXXX from Transunion showing the estimated date of removal to be on XXXX. I have contested this each year with Transunion, XXXX and XXXX and each time the old debt is verified. They are also reporting it as being in a chapter XXXX bankruptcy. I have never filed a chapter XXXX bankruptcy. This old debt is bringing down my credit score to the point I can not qualify for a VA home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Partners Financial Services Inc
State: AR

Complaint narrative:
First a phone call and now letters stating that I owe them {$720.00} for a debt to XXXX University. Very rude on the phone stating I owe for tuition and demanding payment. I called XXXX University and they verified that I do n't owe them any money and they have never turned me in to any collection agency. The school also said they have had several students get calls from this company saying they owe money when they do n't. So this boils down to nothing more then a scam. This needs to be looked in to. the calls and letters are stating they will ruin my credit if I do n't pay them. I told them on the phone I do n't owe anything other then a federal student loan. They just keep sending letters. These kinds of scams need to be shut down. They are trying to prey on students trying to build credit and complete their education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
In XXXX of 2015 I called Ally Bank and was asking about a refinance due to a job loss. 
I ended up doing a skip a month. However the agent put in the wrong que so I got charged for the refinance charge. I did not realize the mistake until I received a call about a pass due amount, which I did not owe. I have spoken to the bank several times, they have acknowledged they made a mistake, yet they will not remove the black mark. They tell they are but it does not happen. Last month I was turned down for XXXX new jobs because my credit rating dropped XXXX points. In checking, I see now that Ally reported me over 60 days late for a car payment, which is not true, its their mistake that is showing the error. I have called there to get this corrected but they just are not doing anything. I do n't know what to do and I need your help. Ally knows the mistake is on their end, but the collections do not take the time to read all of the history. This is causing me much distress and I am loosing jobs, that I badly need because of their neglect. Can I sue them?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Trans Union had a glitch in their system that violated tge rights of their consumers under section XXXX. As a result I have been affected as well as my credit score. No notice was given which is also a violation. At this time I am requesting that ALL inquiries be removed. 

XXXX XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX XXXX.-inquiry XXXX/XXXX/XXXX XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry 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 non-monetary relief
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are XXXX credit inquiries that I did not authorize from XXXX ; dated 2014. I would like to dispute this on 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 explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
On XX/XX/XXXX16 I was involved a MVA. Subsequently my vehicle was totaled on XXXX16 due to the amount of damage. I notified ALLY Financial on XXXX16 of the incident because I knew I would need to gather documents from ALLY Financial for my insurance company. I also had GAP insurance provided for my GAP coverage. I had been requesting the required documentation from ALLY Financial for 6 weeks so I could get my claim completed with XXXX regarding my GAP coverage. ALLY Financial finally informed me after I placed several calls over the course of 6 weeks that they would not send the required documentation to XXXX because they were considered a 3rd party. NOBODY from ALLY Financial had relayed this information to me until almost 2 months after my claim process had begun. Now I am having to pay an excessive amount of daily fee 's and interest because the date of accident was on XXXX16, and ALLY did n't get the required documentation to my insurance providers in a timely manner. I do n't feel I should have to pay the excessive fee 's for the daily rates they are charging me because of their lack of communication and failure to get me the documentation I had been requesting.

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 2017-02-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On or around XX/XX/XXXX, I directly disputed collection accounts ( XXXX and XXXX ) with the TransUnion, as the respective collection agencies did not validate the debt pursuant to my request and federal laws. Allegedly, TransUnion conducted an investigation and determined that the accounts were mine. On or around XX/XX/XXXX, I requested that XXXX provide me with the method in which they verified each account. To date, XXXX has not provided me with their method of verification. In fact, TransUnion provided me with a form letter response blatantly disregarding my concerns.

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 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Transunion Account Name : XXXX XXXX Account Number : XXXX XXXX Bureau : Transunion Account Name : XXXX Account Number : XXXX Bureau : Transunion Account Name : XXXX XXXX Account Number : XXXX Bureau : Transunion Account Name : XXXX XXXX Account Number : XXXX Bureau : Tarnsunion Account Name : XXXX XXXX Account Number : XXXX Bureau XXXX Account Name : XXXX XXXX Account Number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I had a XXXX in XXXX 2015 while living in XXXX XXXX, XXXX in preparation for a year-long XXXX trip to XXXX. I left the country in XXXX 2015 and do not have any reliable way of receiving forwarded mail in XXXX. One, medical bill for a small amount was not accounted for ( {$140.00} ), and this was turned over to XXXX XXXX XXXX , XXXX of XXXX XXXX, XXXX. While I changed my USA address with my former employer ( XXXX XXXX ), insurance company, and the medical providers I was currently receiving bills from, the bill collection agency ( XXXX XXXX XXXX ) tracked my new address down, but the small bill 's medical provider did not and thus I did not know of this bill until the collection agency had already filed a derogatory credit item against me. This balance was immediately taken care of and the derogatory removed from my credit report, but the XXXX point hit my credit score took has not been reversed. 
I would like this collection report removed from all of my credit reports since it was the result of a 2 month later billing and a lack of due diligence on the part of the medical provider.

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 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Several Months ago I contacted Trans Union about incorrect information on my credit file. 
I Mailed in evidence to correct my personal information such as a Driver license, Social security card, Marriage certificate and a copy of a lease. Trans Union did not correct my personal information, they kept the old incorrect personal information that does not belong to me on my file and added the information to the file in which I sent. In addition I am also an identity theft victim. Lastly, XXXX was given the same information years ago but Trans Union will not update. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 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:
Turned down for credit they are so many names on my report. My name is XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My issue is with TransUnion. Here is my issue with transunion. They have incorrect information on my report. In accordance with the FCRA guidelines, any information that is incorrect or not mine should not be on my report period. Any information that has not been verified by the creditor, meaning signed documents from the supposed original creditor with my signature verifying that I applied for credit and I am aware of that account, documentation that has come to me in writing, means verified according to the FCRA, not verified through a system electronically. I have disputed this information numerous times. Transunion has not gotten back with me in the required timeframe or they continue to keep incorrect information on my report with no means of verification other than electronically verifying it. They called me back after I left a message with the " Priority Department '' but the representative " XXXX '' did n't leave a number where I could reach her at. Only a fax number that keeps failing. That tells me that they do n't care about reaching customers that they are putting fraudulent information on their reports. Should we mention that they just settled a lawsuit for incorrect credit scores because of incorrect reporting. They have inquiries on my credit that do not belong to me, nor can they prove that they belong to me. According to that alone, I have grounds for my lawsuit. I have attached what I have sent them in the mail. I am sure they have received notification of my lawsuit. Instead of having to pay me, all they have to do is remove the incorrect items off of my report. They have n't and it seems that they do n't intend to. It is illegal to deny me a proper investigation. None of the supposed creditors have provided any proof nor responded. Meaning the items should be removed off. Not to mention that TransUnion reinserted XXXX XXXX XXXX onto my report after removing it last year and that is illegal. I have proof of that as well that i will be attaching to this email. TransUnion is in Hot water. TransUnion removed XXXX XXXX XXXX from my report on XXXX/XXXX/2016. They added it back on there and then removed it again on XXXX/XXXX/2016. It is illegal to reinsert previously deleted information off of a report. Yet they deny that they have correct information on there. Screenshots are attached. The letter that was sent to them is attached with the exception of the notary. The XXXX in the mail is notarized though, so they can not use a stall tactic.

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 2016-11-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
We purchased a vehicle from Ally Finicial and we got behind on the payments, they repoed it once we paid all fees and went got it back and few months later the same thing happened but both times telling us they had rolled payment to the end of the term, XX/XX/2014 got behind again tried tried to work it out they would n't take anything less than XXXX XXXX We were told they took possession of the car back they would sale it at an auction deduct that amount from the balance and send us a letter letting us know how much vehicle sold for at auction and what our balance would be! They have never heard a word from them since its reporting on our credit I 've tried and tried for over year and half to get validity of the bill of sale at auction to verify outrageous amount they say we owe, they never respond, never have yet sent record or anything to my disputes on all XXXX credit reports they blow them off within a day credit reports say consumer disagrees account charged off! Is it not our right to know and have explanation of why a balance of over XXXX grand is on my credit report? Arent they suppose to oblige to my disputes and correspond with me once disputes the validity of my account standing and my dispute? Am I shunned and stripped of my rights because the repairs on the vehicle got to expensive even tho we purchased for extra XXXX $ power train warranty and with XXXX $ monthly payments? Please help me as a consumer to straighten out this huge issue that Ally nor credit companies not make them abide to the laws. Thank you very much

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 2016-02-08 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:
TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine this XXXX account ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed

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 2016-08-25 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:
There are inquires on my credit report that are not mine.

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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a dispute with Transunion who refused to removed the IRS Tax Lien from my Transunion credit report even thou I have file many disputes informing them that this occur from fraudulent use of my personal information which was corrected by the IRS. This is hurting my credibility. IRS document attached. Transunion must delete this immediately. 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 non-monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Both Transunion and XXXX report my name as XXXX XXXX XXXX. 
I was born XXXX XXXX. I have NEVER had a middle 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 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per your request I 've submitted the documents you require for my address change via XXXX and my new address reflects on TransUnion. 

Attached is the updated letter from the XXXX account ending in XXXX confirming me as an authorized user for the primary account holder. Please let me know if you require any further documentation to have this account re-added to my credit report. 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 explanation
Consumer complaint received 2016-07-19 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 not approached TransUnion directly because they continuously provide erroneous information. This time XXXX XXXX has provided information regarding my credit utilization and it appears that while XXXX has it right, TransUnion has it wrong ; yet the credit factors come from the same bank. Since my credit utilization as of XX/XX/XXXX ( it 's when the bank reports ) went from XXXX % to XXXX %, Equifax has increased my score by XXXX points. TransUnion on the other hand continues to use the information from XXXX XXXX, and decreased my score by another XXXX points! I have provided screenshots to support my claim. 

I do not believe this is a mistake since I have reported them to you a number of times. I believe this is punitive and I think if they were fined for their behavior, they would be less likely to react to these situations with canned responses.

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

Complaint narrative:
Why is still open on my credit report? and the balance is zero. THIS IS FIRST ONE The finance report on XX/XX/2010. I have the health plan from our school. It is cover this bill. 
I also payed this about 5 fives years ago. It also send me the refund on this one. THIS IS SECOND REASON. LET ME LOSS XXXX POINT ON 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 non-monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX I obtained a copy of my credit report from Transunion and noticed that Transunion has allowed a company named XXXX XXXX XXXX to reinsert a debt that was previously deleted from another collection company due to fraud. What is happening is that the credit bureaus keeps allowing whatever collection company purchases this account to add it back to my report because once I fight for my rights through the CFPB and the debt is removed. Every few months another company buys the debt which now its ( XXXX XXXX XXXX ) reinserts it changes the dates and amounts and list it negatively on my report again. Most recently they have not payment history for the last 2 years but have the debt listed as being open in XX/XX/XXXX and a balance of XXXX as of XX/XX/XXXX. This is NOT true and a total lie in an attempt to ruin my credit. I have NEVER received any correspondence from XXXX XXXX XXXX and want this removed from my report asap! This is against the law. They have violated the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ).

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