vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
My daughter had XXXX. She needed a credit card to pay her bill. I let her use mine which was suppose to be a one time thing according to the XXXX rep. My daughter did n't pay her subsequent bill and XXXX turned her account over to XXXX XXXX services and now it is on my credit report. I have never personally had XXXX and this should not be on my credit report since IT IS NOT MY BILL. Again, I was informed and promised by the XXXX rep that this was a one time thing and that it had nothing to do with me other than I was paying for my daughter since she did not have a credit card.

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

Complaint narrative:
My personal information was leaked or stolen XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.

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 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had a debt from XXXX XXXX Bank and XXXX credit purchased it as a collection account. I was taken to the local XXXX by XXXX, and he ruled in their favor, but not for the {$1500.00} that they stated that i owe. I only owe just over {$1100.00}, the amount the XXXX granted them. I sent the dispute to Transunion to correct, with all the proof necessary to correct it, and I recieved paperwork back saying it would n't be removed until 2021. I need your help in getting this removed as being incorrect. I will send any necessary paperwork you need.

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 2015-06-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
ally auto repos the vechile within XXXX month of being deliqent of XXXX car payments, after a month prior they agreed to put me in forbarance. The manger refused to listen to previous recorded calls unless requested by attorny.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion is currently reporting XXXX accounts for XXXX XXXX XXXX that the company agreed to delete. I filed a complaint with Transunion and they have not responded to my dispute. i have also disputed with the company and they are unable to verify or provide any proof that these accounts are mine. i did not open these accounts

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 2015-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX was paid off and the last toolbox was voluntary return and the gentleman took all my tools that I had already paid for on previous account that was paid for

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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 is not actually investigating disputes. My identity was stolen and they 've rejected every dispute. I had to sue and finally get numerous incorrect data they never actually verified removed. Now they have another XXXX accounts and inquiry on there that are fraudulent and not mine, yet they claim they have verified. I have a police report proving they 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 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has an incorrect name for me. The only name I have ever used or XXXX a XXXX and XXXX XXXX Equifax has a XXXX Florida address and I have never lived in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
There are XXXX items on my report that I have disputed now for about a year and all the bureaus has said is they have investigated and it remains. If they did they would have seen what I am disputing. XXXX company, XXXX, keeps reporting the original amount I owed on both accounts, instead of doing a reducing balance method. I have my receipts and I spoke to them about it too. The woman there told me she would not change the balance until I was done paying it all. I am paying XXXX the same deal and they reduce my balance every month that I pay. I have disputed it twice before and lately again. No response. 

The other thing is from credit XXXX cc company. They sold the bal to a collection XXXX. They are both reporting this on my credit report. I have spoken to both of them and no response. Now I have disputed it with transunion and XXXX has gone ahead to report it as brand new in XXXX. Both are still on my report. 

I would like to have those items either reported correctly or removed and not to started over as XXXX is now doing. 
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 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All the accounts below have been cancelled and I have XXXX as proof. They are attached to this complaint. 


XXXX XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX XXXX : Paid, Closed. 

XXXX XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

XXXX XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Paid, Closed. 

XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Paid, Closed.

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 2016-11-17 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 have been fighting with Transunion for years. They continue claiming they have investigated reported information and determined it to be verified, only to have me come back with proof it 's not mine. They have ruined my life for years because I have a common name and no not follow proper procedures for releasing my credit report or verifying the accuracy of reported information. 
They requested a notarized statement saying inquiries were unauthorized and they 'd remove them, yet they have refused to do so after I have sent it in many times.

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 2015-05-13 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I received a debt collection letter from Ad Astra Recovery Service in XX/XX/XXXX. I spoke to the representative of Ad Astra Recovery Services on the phone and asked them to verify the debt as required by law Texas Financial Code 392. 202 based on a letter that I received in the mail, the representative stated that they would. The representative stated that they hired an attorney and it would be best for me to pay the bill by the credit card invoice on the bottom of the letter. I told them again that they needed to verify the debt. I did n't receive any information from Ad Astra Recovery to verify the debt. In XX/XX/XXXX, I hired XXXX XXXX XXXX to investigate inaccuracies on my credit report. I forwarded all letters from Ad Astra Recovery Service to XXXX XXXX XXXX as instructed. The following information was requested from Ad Astra Recovery XXXX over the phone : name of original creditor, provide me with the original date of default, the date that the debt was transferred to them from the original creditor, the originate balance, the current balance, and surety bond information. Again, the representative for Ad Astra Recovery XXXX said ok that they would. I believe that I received a second letter from them which I also forwarded to XXXX XXXX XXXX as instructed. On XX/XX/XXXX, I asked XXXX XXXX of XXXX XXXX XXXX what if any inaccuracies were removed from my credit report. She pulled a copy of my credit report and indicated that Ad Astra Recovery Services, a collection agency was still on the report and this was associated with a payday loan from XXXX XXXX. I viewed XXXX entries for this collection agency on my in-house file. I asked what was being done and that I was filing a complaint with the Texas Attorney General 's Office under case # XXXX about this collection company. XXXX XXXX stated that they were still working on my file. So I said, ok. On XX/XX/XXXX, I received a congratulation letter stating that I completed the program which I questioned because their was no investigation of this collection company or any other creditors. On XX/XX/XXXX, I spoke to the XXXX XXXX XXXX receptionist and conveyed to her that I wanted the owner to provide documentation that they had requested on my behalf the documents required to verify the debt as stated by the Texas Finance Code Section 392.202 and the response given to them by Ad Astra Recovery Services. The receptionist stated that she was not sure if I could receive the documents from their investigation demanding that Ad Astra Recovery Services verify the debt before placing the entry on my credit report. To date, this collection company has not verify the debt according to the above law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 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:
Transuion is reporting an account that was opened fraudulently, I have asked the creditor to provide my signature & a copy of the original application. the creditor is unable to produce these items. 
XXXX/CHARGEOFF Credit Cards {$820.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$820.00} Account Details Account Number XXXX Account Type Credit Card Responsibility Individual Credit Limit {$700.00} Credit Used XXXX % Highest Balance {$820.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$820.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported

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 2016-10-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had signed up for transunion credit monitoring. I tried to cancel several times in the last six months, I am not able to cancel this service, no one answers the phone it is a constant busy signal, I tried emailing them and could not, there is no way to cancel this service. I went to my bank to stop the payments and they said it has to be handeled with transunion. I can not even access the transunion 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 2015-04-20 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I have a credit card with Citi bank and in the last two weeks. My card has been compromised and unauthorized charges have been placed on a duplicate card out of Florida. XXXX in XXXX with my XXXX card and yesterday in XXXX, FL. My cards have the chip technology but also the mag strip. I am requesting that Citi assign me a pin. I have also asked for this capability from XXXX. I think banks should provide a pin if requested. I also think it should be illegal for banks to charge more for a signature based transaction that a pin based transaction. The security provided by the chip as it is currently being viewed is for the security of the bank. Not the security of the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Found out Westlake Financial has been listed as fraudulent company, and notorious for bad complaints with consumer affairs. After dealing with this company trying to work a settlement on an account I defaulted on, I see why this companys reputation is so bad. XX/XX/XXXX I called them and tried to work out a settlement offer to get my acct closed. I offered them one amount which was all I had at the time to contribute to the debt, they counter offered me another amount to sif and remove the account from my credit file as long as i made a payment that day via money gram. After making the payment I called back to let them know i was hung up on twice. Then I was told i would receive an email in a couple days confirming that my acct would be sif and removed from my credit file as agreed upon. Two weeks pasted no email no action, another two weeks a month later no email no action. Luckily I was recording the conversation. I called back then I explained to a new person all that happened he told me someone would call me back because I should not of been told they would close out the acct for the amount paid. I told him well they did and that was the agreement, so he said well do you have that in writing I said no I do n't have to. I explained that there were clear fdcpa violations, just in the mini Miranda alone, not to mention the lies I was told and failure to adhere to the terms of the deal we made. But anyway, I told him had it recorded and was recording him, he panicked then said immediately he could no longer speak with me and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion fails to remove the XXXX XXXX XXXX account. Transunion reports incorrectly that this account has a credit limit of {$64000.00}. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly that this account 's date of first delinquency is XXXX/XXXX/2009. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has mailed a paper copy of report in response to CFPB # XXXX.In their response, regarding inaccurate/incomplete reporting of FIRST XXXX XXXX # XXXX that the date of first delinquency is " reporting '' as XX/XX/XXXX.SEE ATTACHED REPORT, THE DATE OF 1ST DELINQUENCY IS NOT REPORTING. 
also the amount of payment received on XXXX/XXXX/XXXX, the date of last payment was {$12.00}, not XXXX, as reported.THE PAYMENT TABLE does not portray the date of 1st default, or subsequent delinquencies or that the chargeoff date is 180 days from the first default. 
BY THIS INCOMPLETE /INACCURATE REPORTING BY TRANSUNION , my credit is not fairly and accurately portrayed in violation of FCRA. 
IN ADDITION, THE XXXX DOLLAR BALANCE, PAST DUE, AND HIGH BALANCE IS FRAUD BY THE CREDITOR.THAT AMOUNT IS EXCESSIVE AND ILLEGAL ACCORDING TO THE XX/XX/XXXX CREDIT CARD ACT.IT IS EXCESSIVE BY LAW RELATING TO ALLOWABLE PENALTIES AND INTEREST BY @ XXXX DOLLARS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I applied for an Ally Bank online savings account on XXXX/XXXX/XXXX and transferred, via ACH, {$1000.00}. On XXXX/XXXX/XXXX I logged on and the screen informed me the account was blocked. I called and was assigned Loss Prevention Specialist XXXX XXXX XXXX. I was told to provide copies of an original social security card, recent mail to my address and a state issued photo id. I supplied a copy of my passport, which expired in XXXX XXXX, plus the other XXXX items requested. I am not going to renew my passport until my hair and eyebrows grow back. I am not planning on making any foreign trips, nor even getting on an airplane for a while. My XXXX make getting my drivers license problematic for the foreseeable future. 
I was informed that the passport was not acceptable since it had expired and I had to provide a " state '' photo id. I asked for an alternative, such as providing a notarized affidavit or something similar. On XXXX/XXXX/XXXX, late in the evening, XXXX XXXX told me I could not get my opening deposit back either. I specifically asked for the opening deposit to be sent back the way it came. I am sure the transaction shows the routing & accounting numbers of my account at XXXX. She said that was not going to happen. She asked if I wanted to speak with her supervisor. 
XXXX XXXX called on XXXX/XXXX/XXXX and left a message for me to call her. I called her back the next day and left a message as XXXX XXXX works an XXXX XXXX to XXXX XXXX shift. I asked for our communication to be via email or USPS mail going forward so there would be a documentation trail. I also mentioned that I would like for someone to handle this matter for me and asked where I send a power of attorney or how to handle designating a proxy for me. XXXX XXXX left another message for me to call her on XXXX/XXXX/XXXX. 
I mailed a complaint letter to the CEO, XXXX XXXX XXXX on XXXX/XXXX/XXXX. I have not heard anything as a result, nor do I expect to. I have since taken the opportunity to read the complaints about Ally online and regret not doing my homework beforehand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transition did not provided it adequate resolution of despite accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 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:
The debt belongs to my son, he is a junior. Because we have the same name an no suffix is stated, the placed it on my credit report. I reported it to the original company who were very helpful. They gave me the phone number of the collection agency, which I called, and they were very rude. They stated that they had no account information such as date of birth or social security number. I know this is not true because the original company and they had the information and recognized the mistake. They also said they would try to help out in correcting this error. However, it dropped my credit score XXXX points and I need it removed from my credit report. Please help me with this problem. The problem was that he had to use my mailing address because he was an XXXX. 
Thank you! 
XXXX XXXX XXXX

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