vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX/15 I disputed this debt with Transunion as well as the collector claiming that I am no longer liable for the account. Debt Collector agency is XXXX which bought the account from the original creditor XXXX. The amount in question is {$750.00}. I closed my account with XXXX at the end of the service agreement period and I do not owe this money.

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 2015-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hello, I have a judgment appearing in the public records section of my credit report on TransUnion and XXXX. This item has been removed from my XXXX credit profile. My concern is that the date appearing on the item is different on my TransUnion and XXXX credit profiles. I 've disputed this a couple of times and never get a satisfactory response. I do not want this item to remain on my credit profile longer than it should be. At this time my dispute is not with the company that filed the judgment, but with XXXX and TransUnion for reflecting the wrong date. This judgment was filed against me in XX/XX/XXXX, so it should be up for removal in XX/XX/XXXX. I 've included a screenshot of what appears on my credit with all XXXX major Consumer Reporting Agencies, including how it reflected with XXXX prior to removal.

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: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXXXXXXXXXX is my email XXXX XXXX is my name TU took money off my card and I do n't know anything about it and I need help with 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 monetary relief
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: ID

Complaint narrative:
I sent them my FTC fraud affidavit package and told them that I did not get a payday loan, because I have been unemployed and getting VA benefits for many years now, and I never had a checking account since I was XXXX years old. I have no checking or savings accounts and no checks. I suspect that someone stole my I.D . sometime when I lost my ID many tines when I was homeless living on the streets. But, they said they do not believe me and will continue collecting and will file a lawsuit against me for writing bad checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is not responding to any of my requests to investigate and remove accounts from my credit file that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I would like the incorrect issue on my credit report removed showing a judgement as this was satisfied/paid in full a while ago. 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 explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am requesting that a lien to be removed from my car and title. I was never told when I financed the vehicle that there was a lien or that it was a rental car. After I received my title 3 months into my finance I noted a lienholder on my car. After further investigation from car faxes this lien is from the original owner and was taken back by Ally financial who Auctioned the car to the dealership I financed it from less than a month from my finance. I talked to the FDIC who stated I am not responsible for this lien and if after contacting both the lienholder who happens to also be the financial company of my used car finance and dealership that I could not get it removed, to contact you and make a complaint. The representative from FDIC I spoke with stated the seller is to satisfy the lien on the used car I purchased from them before I financed it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All of my inquiries were deleted from Transunion and then reappeared without me being informed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I have XXXX finance loans on my account for auto loans from XXXX XXXX that I never applied for or authorized. I never needed an auto loan because I purchased a used vehicle with cash. I have an inquiry from Ally Financial Inc that I never authorized. I have an inquiry from XXXX XXXX. I have an inquiry from XXXX XXXX that I did n't authorize. I have an inquiry from XXXX XXXX XXXX XXXX that I did n't authorize. I have an inquiry from XXXX XXXX XXXX that I never authorized. I have an inquiry from XXXX XXXX XXXX that I did n't authorize. I would like to dispute all the above names from these credit agencies as I did n't give any of them the permission to access my credit therefore putting these hard inquiries on my credit report which will damage 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 2016-11-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
last week recieved information the transunion has deleted incorrect information on my credit files from CFPB case number XXXX response from complaint, Relief We received your complaint about the XXXX # XXXX in your credit report, and apologize for any difficulty you may have experienced. This item identified in your complaint has been deleted. it was not deleted from all files

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 2015-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
A few days ago I received an alert from my credit monitoring system that an update had been added to my credit report and I contacted the transunion credit bureau to alert them of my situation. They did not comply due to my not completely confirming my identity. I decided to allow an attorney to submit the pertinent information of proof of identity. I also contacted the Consumer Financial Protection Agency to have a further investigation to remove this disqualified request of an overcharge on my XXXX account. The breakdown the charges of the bill and continued to submit different charges with each billing statement that was submitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion would not remove the TAX Lien I requested them to remove off of my credit report. They say I did n't furnish a police report. So now I have furnished the police report lets see what excuse they come up with now.

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 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have like XXXX different social security numbers showing up

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 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: NY

Complaint narrative:
I Received the following MOST FRUSTRATING! error message : '' Unable to Complete Request We are unable to complete your request. 
" What happened : You have already received your free Personal Credit Report from TransUnion ; therefore, you are not eligible to receive an additional TransUnion report at this time. " What to do : Return to annualcreditreport.com and visit the Frequently Asked Questions section for moreinformation Purchase a Personal Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 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:
I have an XXXX XXXX XXXX account on my report. i have submitted the correct paperwork provided by the XXXX XXXX XXXX. this account was fraud and should not be posted on my 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 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed this bankruptcy before several times with TransUnion & XXXX and the outcome of this bankruptcy was discharged which means it does not exist in the courts, XXXX has removed it from my report but TransUnion & XXXX has fail to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 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:
I ordered my TransUnion credit report on XXXX/XXXX/XXXX. I have suffered from continuous issues with TransUnion reporting misleading information that is very damaging to my character. I called TransUnion on XXXX/XXXX/XXXX at XXXX XXXX. and spoke with XXXX. I told him that the credit report shows an account at XXXX County CU # XXXX with a charged off account that was allegedly opened on XXXX/XXXX/XXXX and charged off on XXXX/XXXX/XXXX. I told him that this is absolutely incorrect because I have never had an account with that company opened on XXXX/XXXX/XXXX. XXXX told me that he is unsure of how the information is verified. He states that TransUnion is paid to report monthly information pertaining to consumers ' files and he does n't know if its accurate or not. He apologized and stated that there is nothing that he can do. I asked to be transferred to his supervisor, and he refused to transfer me to one. I asked for his supervisors ' name and he stated that he could not give me that information either. He kept placing me on hold several times, before he disconnected my call altogether. To say that I am shocked is an understatement. Our lively hood is being placed in the hands of consumer reporting agencies that do n't care about the affects of reporting erroneous information to our credit files. It seems as though we are being punished for things beyond our control, and there is nothing we can do about it. Who do we have to protect and stand up for our rights? Please help me, because I am so disappointed that I am being taken advantage of like 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 2016-10-30 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I requested verification of XXXX debts XXXX XXXX and XXXX ) held by Ad Astra Recovery via certified mail upon learning that they had entered into collection status. i received no notice of the collection activity from Ad Astra ; I only received a letter offering me a payment plan option. Upon receipt of this letter, I checked my credit report and requested verification of both debts. To date I have received no verification and the debts continue to show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I wrote to all XXXX reporting agencies. It a XXXX judgement that is paid in full to be taken off my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX This item does not belong to me, and it keeping me from getting a job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
ON MY TRANS UNION CREDIT REPORT I HAVE DISPUTED XXXX FOR A COUPLE OF MONTHS. ON MY CREDIT REPORT FILE THAT I HAVE INCLUDED IT SHOWS ON COUPLE OF CREDIT FILE NUMBER I AM MISSING MY LAST PAYMENT DATES. ON SOME I AM MISSING THE TRADELINE ON WHEN THE ACCOUNT WAS OPEN WHICH IT SHOULD SAY OKEY AS PAY AS AGREE FOR XXXX. THE LOAN PERIOD IS FOR 66 MONTHS. I HAVE MADE PAYMENTS FOR XXXX OF 2016, XXXX OF 2016, XXXX OF 2016 XXXX OF 2016 AND XXXX OF 2016. ON MY CREDIT REPORTS IT BOUNCES FROM MISSING XXXX PAYMENTS TO MISSING XXXX PAYMENTS. I HAVE DISPUTED THIS WITH THE CREDITOR XXXX AND THEY STATE THEY UPDATED MY CREDIT FILE. THEY HAVE PAYMENTS TO SHOW THAT I HAVE MADE FOR THE MONTHS IN QUESTION. THE BALANCE ON THE ACCOUNT IS WRONG. AS YOU SEE ON THE CREDIT FILE THE BALANCE GOES BACK IN FORTH. THE BALANCE THE CREDIT SENT ME IS ACCURATE. I WOULD LIKE TO HAVE THIS ACCOUNT UPDATED. SHOWING MY PAYMENTS CORRECTLY. MY XXXX THAT WHEN THE ACCOUNT WAS FIRST REPORTED AS PAY As agree ALSO MY XXXX XXXX XXXX XXXX AND XXXX PAYMENTS. THE BALANCE OWE IS XXXX. THAT THE CORRECT BALANCE. ON MY XXXX XXXX ACCOUNT. I AM MISSING MY XXXX AND MY XXXX PAYMENTS. THE BALANCE IS NOT CORRECT. I HAVE DOCUMENTS TO SHOW PROOF OF THE CORRECT BALANCE AND MY MISSING PAYMENTS ON THIS ACCOUNT. THIS ACCOUNT IS OPEN ACCOUNT NOT A CLOSE ACCOUNT. THIS ACCOUNT IS REPORTING DATE CLOSE XX/XX/2016. I SHOULD HAVE XXXX OPEN ACCOUNTS ON MY CREDIT REPORT. I AM DISPUTING ALL. I HAVE DOCUMENTS TO SUPPORT ALL OF WHAT I STATED. I AM DISPUTING MY XXXX BALANCE MY MISSING PAYMENTS HISTORY ON XXXX XXXX I AM DISPUTING THE BALANCE, MY MISSING PAYMENT HISTORY FOR XXXX AND XXXX AND I AM DISPUTING ON THE STAIC OF THE ACCOUNT. OPEN 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 non-monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX has been trying to collect a debt for over {$1400.00} for cell phone service that I am not responsible for. I have contacted them on many occasions to explain that this is a fraudulent account and have requested that it be cleared and removed from my credit report.I do not know the origin or the phone numbers associated with this account.I currently have an account with them that was opened AFTER this debt was incurred.They refuse to remove this debt as being my responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX most likely sold my defaulted credit card to XXXX XXXX XXXX who have been harrassing me for way too many years. I appeared in Court and provided financial information to them to document that I did not have the resources to repay the debt. They call and call and send letter after letter. I went thru a difficult divorce and have still not recovered from that period of time. BUT this debt should not be still be reported on my credit report as the default occurred @ 7 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I changed my address for my account at Ally bank to a local address in XXXX, WA. Ally bank once again locked me out of my account without even contacting me at all and are stating that they need verification that i live at that address. This address is for a food bank. I am homeless and therefore do not have any utility or other bills sent to this address. This is an ongoing problem with ally bank, but not a single XXXX of my other institutions. not XXXX, not XXXX, not higher XXXX ( my student aid bank ), not a single other financial institution has a problem with me or my addresses, but ally immediately shuts down my acct everytime i try to change my address with them. They even once changed my address against my will and without authorization, then tried to lock me out yet again. I am sorry that i do not have a permanent address like most people but surely there are other people this is happening to. my dad retired as a XXXX and had a XXXX for years and never had a single problem, but yet ally wants to give me problems all the time. This is discrimination against the homeless and i am sick and tired of it. this is like the XXXX or XXXX time ally has locked me out of my account and refused to allow me access to my own money. How are they allowed to repeatedly do this???!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Recently I disputed a bankruptcy with transunion that was verified as acurate. I disagree with the results. Although i have filed for bankruptcy in the past the date that transunion is reporting is incorrect my bankruptcy was filed XX/XX/XXXX and should have expired off my report XX/XX/XXXX. The bankruptcy is now only reflected on my transunion report and has long been gone from the other credit reporting agency 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Someone used my name and credit information to open a XXXX credit card at a XXXX ' in XXXX, LA at store XXXX on XXXX/XXXX/15. I called the fraud dept at XXXX and the card has been closed. I filed a police report in my town. I got in contact with the XXXX credit bureaus to put a XXXX fraud alert on my account. When I get the police report, I will extend this to 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MIDCOUNTRY FINANCIAL CORP
State: AE

Complaint narrative:
Pioneer services has a loan of ours which we stopped paying on because they cant send us proof of a signed contract. the time this loan was taken out our ID and SSN were stolen and a lot of drama came from it. For some of the stuff we actually thought it was us but turns out a lot of it was n't. Now they keep harassing my mom who I have n't talked to in a long time and calling her day in day out We are stationed overseas and do n't have any contact with her since my dad passed away. 

She is getting XXXX at us and we still do n't have papers showing a signature. 

We looked online and the papers on there do n't even have a signature. They have called her over 20 times now and its very tiring to hear from someone who we do n't even speak too!! 

They need to stop RIGHT AWAY with contacting her or any other person they think we might be related too. We do not live in Indiana nor will we ever and we are n't related to her in any way other then she was my dads wife while he was alive!!!! 

CEASE CONTACT WITH THEM ONLY CONTACT US DIRECTLY AND ALSO DO NOT CONTACT OUR EMPLOYERS!!! 

give me proof and I will gladly pay!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed