vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This company throws every possible obstacle at consumers requesting their report so they are forced to go with purchasing one. While I could easily get my report from XXXX and XXXX and just as easily dispute with them certain items, it was impossible to do so with TransUnion. Yet, all of the alleged issues preventing one from getting their free report or filing a dispute will magically disappear as soon as one show interest in purchasing his/her report. This amounts to coercive attempts on their part to gain business, especially when one is in need of utilizing a line of credit or mortgage. XXXX 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 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I submitted a dispute in writing to TransUnion on XX/XX/2016. Not only did they not produce proof that the credit file in question belongs to me, TransUnion DID NOT respond at all. They have exceeded the allotted 30 days to respond to my dispute.

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 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion is reporting XXXX incorrectly, the account is closed and paid they are reporting the account open with a {$0.00} balance late $ 30 days, I just pulled my updated report from XXXX. XXXX and XXXX is reporting correctly Paid {$0.00} balance pay status current, I have gone back and forth with TransUnion and XXXX this account has been paid since XXXX 2016 and XXXX was still reporting when they should n't have because they turned the account over to 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 non-monetary relief
Consumer complaint received 2016-11-16 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: FL

Complaint narrative:
Because of their " twisted '' voice recognition system, it is almost impossible to get credit score from either credit reporting agency, unless you willing to pay for a credit report. I ordered free annual credit report from " Transunion '' and it is lucking credit score numbers. As our credit system heavily dependent on that numbers it makes me " easy target '' to " rip off ''. And its seams logical to me to have that numbers on the report. I was not able to go trough their system to get my credit score. 

Please investigate and enforce reporting agencies to include credit score numbers in the 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 non-monetary relief
Consumer complaint received 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My apartment mistakenly filed an eviction in the court against me, when i brought it to their notice, they told me to disregard it which i did. But after two months, i saw it on my credit report.However, i have called the court and my apartment, and they all agreed that it was a mistake because i was not owing my apartment that period. 
Please i need to this record out of my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I noticed information that did not belong to me on my credit report and reached out to this company to dispute that information. When the dispute was finished, however, the information was still on my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have sent XXXX certified letters with return receipts to Trans Union requesting verification of XXXX accounts they are reporting. They have responded that they verified this information however, they have not sent me any documentation of the verification information that they have in their data base. The are in negligent non compliance with the FCRA section 609. I have also sent request for verification to the orginal reporter listed certified mail with return receipt. They failed to verify any information according to Section 623 and therefor it is impossible for Transunion to have verified anything especially since they have not sent ANY requested documentation to me. I have copies of all communication sent to and received from Transunion.

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 2015-08-13 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
This is an urgent complaint against Ally Bank. I had an IRA ( traditional retirement account ) certificate of deposit ( CD ) with Ally Bank. It came due last month. Ally Bank has confirmed that it closed my IRA-CD on its maturity date last month per routine and correct prodedures. But Ally has not -- and will not -- return my IRA money to me. I have contacted Ally Bank customer service many times, spoken to many people. They can provide me with no evidence that a check was sent to me. They stall, give excuses, refer me to other people in customer service who do n't know how to resolve this. I AM REQUIRED BY IRS to rollover these funds into another traditional IRA asap. Otherwise, I will face tax consequences -- IRS will consider this a distribution instead of a rollover and make me pay income taxes. I have signed forms at Ally Bank saying that this is a ROLLOVER. No one at Ally Bank seems to understand the urgency of this situation. I have requested repeatedly to speak with the expedite dept, the loss prevention dept, the fraud department, the corporate office, etc. at Ally Bank. No one at Ally Bank customer service will allow me to speak with anyone with authority to resolve the problem and find where my retirement funds are. I am shocked that a bank will not return a customer 's money upon the maturity of a CD. I wonder if a bank employee has stolen my IRA money, as Ally Bank can not find the funds. Time is of the essence. PLEASE HELP!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good Morning, Attached you will find requests for investigation as early as XXXX XXXX, 2016. I have attached the response to the requests or lack of I should say. I have asked 3 ( three ) times for Transunion to investigate and correct or delete items. I have also asked for a " detailed investigation and provide how the investigation was conducted and the details associated with them '' I have also called into the company because i am receiving unwanted credit inquiries. As part of paying XXXX a month, Transunion has a " credit freeze '' When i attempt to " Freeze '' my credit it says there is an error. 

No less than 3 times i have called on this. EACH TIME they tell me they can NOT fix this. How can Transunion, a CRA, NOT be able to fix and STOP inquiries coming in? 

Not only are they causing damage by NOT investigating complaints or responding, Transunion is allowing inquiries to appear and putting the burden on me a consumer, to do their work. If their product worked as advertised and paid for, i would not have the inquiries. 

Thanks for looking into this for me. 

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 2017-03-02 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:
XXXX is reporting on credit file un-rightful due to this is not my debt. I have given a police report to the company. I have spoke to XXXX asking for XXXX the company name, number, address no luck. XXXX is not giving me any information on how this debt is mine. I ask my original documented showing this is my debt. They are stating the debt is very old ( XX/XX/XXXX ) XXXX YEARS OLD in is no longer in there system so they will not be able to send original debt. Please help remove this debt for my credit report. I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. 15 U.S.C. 1692 ( c ).

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 2016-03-28 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:
This company continues to report this fraudulent info on my credit reports. They say they 'll remove it and they do, but they put it right back on again XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2015-08-03 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:
Transunion has many items that were reinserted back on my credit report due to fraud. 
The company refused to remove the items that were stolen under my social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 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:
XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX TransUnion Consumer Solutions, XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX {$1100.00} XXXX {$1100.00} XXXX {$110.00} {$1100.00} XXXX CHARGE OFF XXXX/TU/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX {$290.00} XXXX - {$290.00} XXXX CHARGE OFF XXXX/TU XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX CHARGE OFF XXXX/TU/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX and XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL 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 2016-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC
State: WI

Complaint narrative:
We were served foreclosure papers and decided to call the XXXX from Core Advisory 's mail advertisement. The advertisement looked very promising as it states our new payment would be reduced down to a 2 % rate. The advertisement also stated that I am eligible to be a plaintiff to sue my lender so when I called, the conversation I had with XXXX XXXX was did not align with what the advertisement states however I was presented with another option to file complaint against my lender and XXXX informed me that will force my lender to negotiate better loan modification terms. After I paid them upfront {$2200.00} and additional {$120.00} separately to use their notary service, I got an interview with a gentlemen name XXXX XXXX he put together XXXX complaint letters to be sent off to my lender XXXX, US XXXX and my XXXX however after reading the complaint that was put together on my behalf was fabricated or inconsistent to what actually happened. I was better off writing this myself and felt if that was the case, why am I paying these guys over {$2200.00} just to write me XXXX XXXX half page complaints that is n't even factual? Another concern I have with this company is that they sent me a loan modification package and asked me to complete and as well as pay them another {$1800.00} to get the modification application submitted. This is illegal and violates not only the Wisconsin consumer protection act but also the FTC ( XXXX ) rules. I feel this company has taken advantage of me and I would like for them to return my money back as they failed to help me with my mortgage and securing me a loan modification.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/XXXX I requested trans union to correct the following account-XXXX-account number-XXXX, status and remove the incorrect remarks, the correct status-paid/closed, the remarks was totally wrong, no other company paid for this account, I paid it in full XX/XX/XXXX.when it was charged off.my XXXX form showed that.the reply back XX/XX/XXXX file number XXXX has the same information on it.All I want is a correct credit report, from this credit reporting company

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 2017-02-26 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I had recieved a copy of a background check from a prospective employer, and it had wrong info on it, so I looked up the XXXX credit agencies online to get my free report from each XXXX. Transunion had the advertisement of XXXX a full report free online, i clicked on it and it didnt give me the free info, said that it was a {$1.00} to get the full report and to be able to continue to check my credit with them. So i entered my debit card info, but three months later, I was check my bank ststements for a bill charge I had paid, to see if it went thru, and noticed i had been charged by transunion 4diff times, over three months, and that I had incrued overdraft charges on my account the same days, due to not being aware that they were actually charging me for the " {$1.00} '' service. I went online to complain that i never signed up for anything other than their XXXX {$1.00} program, so i could check my history, there wasnt a way to do it online, i had to call, and the guy i spoke to said i had enrolled in a program to have acess to my credit info with them all the time, i said no, it was the program for a {$1.00}, and that they had charges me {$16.00} for the past three months and that i got overdraft charges on my bank account because of them. He stated they had nothing to do with that that i would have to talk to my bank. I said that they needed to refund the charges to me, and he said he could not, i said i wished to cancel, and he started saying all this stuff about how their program was vital to make sure i didnt get identity theft and to make sure it was 100 % accurate, i said i just wanted to cancel, he had me on the phone for about XXXX telling me all the " great and wonderful '' aspects of their program. Finally, he transferred me so i could cancel the program. I spent about 1 1/2 hours on the phone, disputing the charges and trying to cancel. After I got off the phone I called my bank, and told them that transunion was only supose to have only charged me for {$1.00}. My bank refunded the first {$16.00} charge. But i had already paid the overdraft fees, so I left it at that. But, seeing the info on your site, I figured I would put in a complaint, because it really wasnt clear that they were enrolling me in another program, and that they would be able to charge my bank account for other amounts than what i had authorized. And i think that they should pay people back for the overdraft charges if the charges were incrured because people werent aware of the additional fees they charged.

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 — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Inquiries from indentity theft and they refuse to remove with clearly they notice and recognize my situation please help me just the them removed.the company is transunion 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 2015-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has several systemic issues in addressing consumer complaints. :1 ) If new information or documentation is provided regarding a dispute, TU automatically claims the dispute is frivolous as the " account '' has already been verified. 

2 ) While TU may not be required to investigate information from judgments/public records, they should at least make certain the information matches the public records! 
3 ) TU is not considering the original date of delinquency to establish the date the item will be removed. 

I have included the public records that clearly states the " filing date '' of a judgment is XX/XX/XXXX and the filing date on my TU report ( also included ) states XX/XX/XXXX. The other CRAs immediately removed this item when I brought it to their attention. After XXXX dispute attempts with TU ( most recent dispute attached ), I have decided filing a complaint is my best course of action. 

This error on my TU report is preventing me from purchasing property. This is unfair and is in violation of the FCRA. 

Thank you for your consideration, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
TransUnion has deleted and corrected my credit report and then reinserted these inaccurate items that they previous deletions without any warning and are causing me to losing my financing.

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: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have disputed these accounts several times. The accounts have been deleted for years and placed back on my report. Here is a listing of the following accounts : XXXX - I have never been late for these accounts ; the accounts were drafted from my account XXXX- Because I was out of work, the insurance that I paid for covered my payments on this account. I filed a claim and had to wait for the claim to process. The company manager and XXXX XXXX Insurance Company Informed this company of the process. I was still charged late fees. 
XXXX XXXX XXXX XXXX -- My car was totaled because of his accident. My insurance company, XXXX XXXX paid XXXX XXXX XXXX XXXX the money owed and the title was provided XXXX. 
XXXX XXXX Account was opened fraudulently. I am not aware of this account number. 
Bank XXXX The account was removed and placed back on my credit report. This account was opened fraudulently. A letter was provided to all credit reporting agencies and I am still fighting for the account to be removed from TransUnion. 
In the State of South Carolina, there is a State of Limitations. The credit reporting agencies are not following the statute of limitation law set forth in this state.

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