vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On Friday XXXX XXXX, 2015 I made a payment at XXXX to Ally Bank for my automobile. There cut off time is XXXX so therefore the payment was made on the XXXX but would not post to me Ally account until the XXXX. I called Ally bank on Saturday XXXX XXXX, 2015 I spoke to a representative and I asked them specifically would that payment be recognized on the XXXX even though it does not post to my account until the XXXX, and if it wont what other payment options do I have because I do not want my credit to affected. The rep from Ally bank told me that it would be recognized on the XXXX even though it was after cut off it will just post to my account on the XXXX but my credit will not be affected. I then went on to ask are they sure and if not can I make a payment that day the XXXX. Once again the rep stated no my credit would be fine and the would see that payment was made before cut off time. Well the rep was wrong and they instantly reported late on XXXX XXXX, 2015 which in turn has destroyed my credit and brought my score down almost XXXX points this is the only negative item affecting my credit right now. I have tried several times to resolve this issue with the company but nothing has been done. I am asking that they hold the word of their employee especially since I offered to pay and they told me no it will not affect my credit. I have contact an attorney because this is not right nor fair. All I am asking is that they remove the XXXX time derogatory remark from credit based on the fact their employee told me it would be ok.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
The information that I used to sign up was put on the dark web. Surveillance was used to steal my belongings.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The credit reporting agency will not allow me to file an additional complaint. 
The creditor on my credit reports is reporting my car load status is repossession. It should state paid as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i have been trying for weeks to find out my credit scores. at every website, I fill in the requested information, only to get a popup which states that my informationdoes not match credit bureau records. 

and there it ends. I can not even find out what the discrepancies in the infor-mation are, much less how to resolve them. 

I ca n't even find out if there is a physical location in my town where I could takemy actual information for comparative purposes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Telephone numbers listed as XXXX and XXXX have never been associated with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Vehicle financed with XXXX # XXXX shows on Report as Voluntary Surrender. Loan was not Mine, but My husbands and is which was traded in and balance Paid in full to XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hi, In 2009 We did a shot sale on my real estate property ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ), not foreclosure. In my account it 's showing as foreclosure. Please find the attached prof of document. 

Please investigate and update my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of identity theft several years ago. I have police reports, etc. I filed to put fraud alerts on my credit report and I disputed the information with the agencies. They have failed to supply me with any supporting documentation of the validity of the accounts and they have failed to remove them. There are in fact accounts that I had from 15 years ago that they are still reporting even though they are violating the FCRA, and the florida statue of limitations. I have not been able to obtain credit until a year ago and it was a very minute amount of credit. The credit reporting companies have ruined my life and my ability to even buy a home, and because of their violations I have been forced to file for bankruptcy which will now stay on my credit report for 10 years. They are not even accurately reporting the bankruptcy information properly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion failed to follow Fair Credit Action 605b and block the info that is the result of id theft. This is my 4th request and I am including the FTC Theft form completed, Police Report, Drivers License, SSN card and proof of residence! Please block the XXXX XXXX account it is a result of ID Fraud!!!!!!!! Please review all attached documents and the FTC is n't signed because its an automatic report to the police I did but the police report is included as required under FCRA Section 605b.

Company public response: Company 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: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I continue to have problems accessing my online report and today through a credit monitoring service I discovered they are know reporting XXXX inquiries in the last month, incorrect information about an account and they have me listed as having for a non existent company. They have caused my credit score to drop XXXX points with their mistakes!!! 
I should not have to pay postage or waste valuable limited minutes on my phone. I have never had a problem with XXXX or XXXX. Every year I have problems with Transunion and they appear to be the XXXX many companies turn to for credit reports. I have contacted them directly twice with no workable solution. In my previous complaint they were supposed to fix what I reported and they did not. The same XXXX security questions are being used with wrong data for the answers, therefor blocking me. In addition to inability to obtain report : I know they have incorrect information on account status and terms, the have my personal information wrong, and have listed and enormous number of inquiries ... almost an impossible number according to Credit XXXX ... ... I HATE this company and the power they have to ruin lives with their ineptness and possibly fraud to benefit lenders they are associated with.

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 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have reviewed my credit report for accuracy information I notice that my inquiry 's were removed and reinserted without proper notice by law section 609 you ca n't reinserted previous removed items without notice to the consumer causing my credit report to have damage changes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. XXXX is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

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

Complaint narrative:
My purse was stolen several years ago and I was also a member of the XXXX who 's private information was stolen. I have repeatedly sent the police report showing my social security card, ID, and birth certificate card was stolen to TransUnion over the past few years. They refuse to remove inaccurate data from my credit report and continue to ruin my life. 
I have contacted the creditors they are reporting a debt from and the creditors refuse to supply me with any debt validation or paperwork at all so I can defend myself. It 's illegal for Transunion to continue reporting this false data, just because someone knows my social security number. They MUST be removed, by law. The data that must be removed is as follows. XXXX # XXXX {$160.00}, XXXX XXXX XXXX XXXX XXXX {$380.00}, XXXX XXXX # XXXX {$3600.00}. 
Please be advised these are NOT my accounts and if they are not removed as a result of this final complaint, I will have XXXX XXXX file a lawsuit against you, Transunion, for violations of the FCRA and Florida Consumer Protection Act. I am done being a victim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have XXXX hard hit inquiries on my XXXX Credit report by Ally Financial that I do n't recall requesting credit from them.

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 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I 'm a victim of identity theft someone took my information and opened up lots of accounts in my name right now I have XXXX accounts in collection that does not belong to me XXXX is XXXX and 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 2016-10-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am disputing the XXXX hard inquiries that are on my Trans Union credit report. 
The inquiries are from XXXX Bank and they are : XXXX. XXXX : XXXX XXXX XXXX ) XXXX. SYNCB/Walmart : XXXX XXXX XXXX ) XXXX. XXXX : XXXX XXXX XXXX ) I have sent XXXX letters to Trans Union to dispute these hard inquiries and they have done nothing yet to correct the issue.

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 2016-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I disputed a tax lien which reporting twice on transunion and both bankruptcy which are incorrect on their dates and amounts. transunion failed to properly investigate these XXXX items and thus i need them deleted per the FCRA. I am really upset that they are not doing what they say they claim to do. 

both tax liens are showing up as paid and i spoke with the IRS and they said they are doing a withdrawal as they were duplicates and incorrect as i was paying my taxes. 
I went to the court house and spoke to the county recorder/clerk and they confirmed they never speak, email, call or fax any credit bureaus yet both bankruptcy are reporting incorrectly. 

this is not the first time i have tried to have these items removed. Please assist me 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 2016-01-10 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: CA

Complaint narrative:
I currently have an initial fraud alert on my file with all XXXX bureaus. TransUnion even sent me a confirmation notice that this initial fraud alert was issued as of XXXX/XXXX/2015 and would remain for 90 days. I attempted to receive my FREE copy of my credit report under FEDERAL law with TransUnion on their website. I followed the correct prompts regarding my reason - fraud alert - and was promptly told to pay {$8.00} because I live in California. My request is not a just-because that would qualify for a fee charge ; this is in conjunction with my initial fraud alert! I am illegally being redirected by TransUnion to pay for a free report I am entitled to based on FEDERAL law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is reporting to Transunion, Which they have not verified the debt that I owe.

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 2016-12-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
TransUnion has refused to update my personal information correctly several times. I have sent numerous letters asking them to correct my information. They just keep saying verified. Verified with who??? Here is my Identification with my proper address. I told them I never lived at the address they are reporting. They said the creditors are reporting this. The creditors " reporting '' this address is the account opened by the identity thief. Attached is my proper Identification and address. I would like my correct address displayed properly on this credit report and not this fraudulent address. XXXX XXXX XXXX XXXX XXXX DE 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 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX. my investigation is not yet complete, from trans union, XXXX, and XXXX. they must provide to me the case # with the company who report my name, and also tell them they must give me access to dispute it online at the same time. thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Several years ago, i was on unemployment. at some point unemployment agency miscalculated stating i was overpaid. shortly they said it was ok and I do n't owe anything and I had no action items. 3 months ago i applied for credit card and was declined, finding that i have a Lean on my credit. I called the superior court and they said that i was fine and that they have a letter of satisfaction for me to pick up. I picked up the letter and began process to fix my credit. I filled filed a Dispute for Transunion on XX/XX/2016 but never got a response since. it has been nearly 2.5 months and i still do n't have resolution to my credit. Please help. 

Please call me at XXXX or email at XXXXXXXXXXXX

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 2017-02-11 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:
all XXXX credit reporting agency, XXXX, Trans Union , & XXXX is reporting unauthorized inquries on my report and duplicates. disputed with companies and no response or validation

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 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
It seems to me that my paid hospital bills still show up with a balance and bills I paid off back in XXXX still appear. I am desperately trying to improve my credit score and I called Transunion and was told to contact my creditors. I did that and each creditor informed me that they had in fact sent " hard updates '' to the agencies and I asked that they resent those updates which they did. Since we are now at the end of XXXX, I have no idea why my credit reports mainly show updates from XX/XX/2015. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are several items reported on my credit with Trans Union that are not mine. I was n't aware of the accounts being listed on there until I decided to review my credit report. I submitted a request to have them removed but this was not done she with no explanation as to why they were n't.

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 2016-01-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A public record still on my account,, I paid off the balance to full fill the judgement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
SInce XXXX i notice a few inquiries on my Credit report that i never authorize I have been calling Transunon and XXXX since than and sometimes they told me yes they will be deleted and after 30 days they are still there i called them again and they keep saying they will not delete them and they refuse to update my mailing address even after i send them fax and certified letters regarding addresses and inquiries i never Authorize in the first place. Both Companies refuse to corporate

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 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
One of the issues I have is my mother 's name is coming up on my credit report as if it were mine. We have the same name however XXXX. She has been deceased for 5 years now, however it is showing up. 
Another issues, is there is tax lien information coming up and the status is showing as paid. 
And lastly, I have school loan companies that are showing up as accounts I have, however I 've consolidated my loans and now only XXXX provider is handling my case, but the original providers are showing up as accounts ( with no dollar amount ) I 've had and they never really handled my case. How can I get those accounts off, when I no longer have any ties with them. 
Any information you can offer, will be greatly appreciated.

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