vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-02 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:
On XXXX XXXX 2016 XXXX took a fraudulent application for credit and ran it anyway through the transunion bureau. Transunion had a credit freeze due to fraud on the account but permitted this to go through anyway. I called today to dispute this and was told that it was not transunion problem, but if i paid them money they would put a lock on my account. also transunion also stated that even though they placed a freeze on my account there was no phone number listed on it. needless to say, i have a hard inquiry that should not be there, transunion tells me that i should call XXXX XXXX ( but the number that is listed on the credit report does not work and when you XXXX the number you need an account number ) so there is no way for me to get in touch with the company. when i told this to the rep they became loud and yelled at me, they told me that it is my problem and that i should dispute this elsewhere since its not their problem

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 2016-06-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I purchased a Truck from XXXX XXXX XXXX in XXXX XXXX ... they procured my financing through Ally financial. I have never heard of this company and their logo is purple so getting a call from an unknown company asking you for {$800.00} you would be a little wary. Calling XXXX XXXX various times only left me with numerous " I 'll let you know who your loan is through '' not real answers ... not an actual name, account number, nothing. I sent {$250.00} to test the company first. Seemed to check out so I sent the remaining payment. They break down payments as the following : Date Payment Amount Description for Payment Type Code Finance Charges Late Charges Other Charges Total Paid XXXX/XXXX/2016 {$310.00} Outside Bill Pay {$98.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$280.00} Outside Bill Pay {$120.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$360.00} Outside Bill Pay {$48.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$490.00} Online payment {$67.00} {$0.00} {$0.00} {$560.00} XXXX/XXXX/2016 {$0.00} Outside Bill Pay {$250.00} {$0.00} {$0.00} {$250.00} Their Finance Charges as you can see change daily!? 
I agreed to no higher than 6 % interest and the way they creatively have this set up I 'll end up paying $ XXXX for a $ XXXX truck. 
I looked into refinancing, thinking please XXXX XXXX save me ... They pulled my information and let me know that they have been reporting me late on my payments ( even though I have not been ). Now they lowered my score so I 'm stuck with them. What a scam. I have never agreed to this! I never signed paperwork with this company the last thing I was told through XXXX XXXX was I was dealing with XXXX XXXX for a loan ( my own bank ). I called on XX/XX/XXXX16 and talked with XXXX asking for any explanation and a review of the credit reporting. I 'm sure they will say it was late the first month or they will have some creative excuse, but I can not pay a bill I had never received, to a bank I have never heard of, with an account I did n't know I had. I am livid. They charge daily interest so if I pay a month in advance will I not have this? Its worse than " late fees '' XXXX forbid if it will actually be late. There a significant difference in their fees and it is not what I agreed to. I still have n't received a paper statement once. ( I was informed that they send me email ones. ) I feel like this is the biggest regret of my life. I can not afford 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 explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There is a federal tax lien on my credit report that needs to be removed. The lien has been paid and released as you will see in the documentation provided. I have contacted the credit bureau to have this removed and they will not. I have asked for the reporting person or entity that put this on my record and they will not provide me with anything other that the XXXX County Recorder of Deeds office. I have contacted this office to see if they would remove it from my credit report and they informed me that they did not report it to any of the credit bureaus nor do they ever. They only file it as a public record. When I informed the credit bureau of this they insist that they communicate electronically with the reporting entity and they are waiting for a response. I then asked " well if you communicate electronically with the reporting entity, who is the person on the other end that will answer you? '' They said that it was an employee with the XXXX County court system and that they would respond. I asked once again who that was and they refused to provide me with a name. I then did some more investigating and actually talked with the XXXX County Commissioner ( XXXX XXXX phone number XXXX ) and he did some research for me. He states that the Court case number and the docket number provided to me by the credit bureau belongs to XXXX County and that the Federal tax lien does not show up in their records for me. He further stated that neither him nor any department in the XXXX Count Court system reports anything to any of the credit bureaus. I also spoke with the IRS who had the court place the lien on me and they told me that they were not the ones who reported to the credit bureau. Like the court system they say that they never report tax liens to the credit bureaus. I can not get any information from the credit bureaus so that I can contact someone to try and get this removed. With everything else that is on my credit report I have contact information of someone that I can contact to try and resolve the situation and resolve the matter. I do not have that same opportunity with my tax lien as the information being given to me by the credit bureau is false.

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 2015-11-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I sent TransUnion a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. TransUnion received this letter on XXXX/XXXX/2015 ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:XXXX XXXX Collections Account # : XXXX. XXXX Collections Account # : XXXXAccording to FCRA XXXX XXXX XXXX XXXX sub-paragraph ( a ) ( XXXX ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA XXXX XXXX XXXX XXXX Sub-paragraph ( a ) XXXX ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion via XXXX used wrong info.regarding purchasing manufacture house. I was denied mortgage. I do not have foreclosure, and/orbankruptcy. XXXX, XXXX y.o. 
Some credit card problems due to companies sold it to third parties, changing frequently. 
also, medical bills arranged payment with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Serious medical problems, unable to make the copay payments. 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 2017-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
AD Astra has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/2017 and XX/XX/2017 with an improper response validating this account, but no proper validation has been received. I have requested that AD Astra verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If XXXX is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. AD Astra also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. The numbers are as follows, but are not limited to, because I have a very extensive call log from AD Astra : ( XXXX ) XXXX XX/XX/2017 @ XXXX, XXXX, XXXX, XXXX, XXXXXXXX ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 @ XXXX XX/XX/2017 @ XXXX @ XXXX @ XXXX ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 @ XXXX XX/XX/2017 This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue. Phone calls from AD Astra needs to immediately cease and this account needs to be properly verified as requested above or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 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:
This issue is with TranUnion. I originally requested my annual free credit report from all XXXX agencies, XXXX requested additional identification, so I sent a copy of my social security card, my New York XXXX ID card and New York XXXX Medicaid card. With Trans Union I have also send a copy of my Veterans Medical Picture ID card. 
TransUnion has been the only one that has denied to send my credit report three times. 
I have no more id 's to send them. 
There are many incorrect credit items in my other reports and TransUnion is preventing my from correcting them. 
Can you please help me get my credit report from TransUnion? 
thank youXXXXXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB : I would like to thank your office for the swift response to my initial inquiry concerning the XXXX major credit bureaus and their validation methods. I would firstly like to thank this agencies fight for consumer financial protection, and credit accountability. 

I contacted XXXX, XXXX, and EXP. via phone and certified mail requesting the removal of a fraudulent Tax Liens, incurred by my ex-husband he filed taxes under my name as a married couple long after we had been divorced. 
The XXXX granted me INNOCENT SPOUSE RELIEF, SEPRERATION OF LIABILITYI sent the attached docs. To each bureau and gave them the 30 days allotted by the FCRA and FDCPA it has been over 60 days and they have not responded, which is a violation of my civil rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX Fl XXXX TransUnion LLC XXXX, PA XXXX XXXX Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX and XXXX XXXX account on my credit report. On XXXX/XXXX/XXXX I have file complain to the CFPB I sent a letter explaining the situation. 

All this accounts have been process and closed in XXXX not in to XXXX and the discharge date was XXXX not XXXX. 

In addition it has been 8 years seen this Loan were reported to the Credit Bureau. 

My Understanding was that Art institute took XXXX loans and the XXXX of XXXX Paid and clears this loan in XXXX. However on my credit Report it appears XXXX loans from different agencies. 

I 'm requesting this loan to be remove from my credit report. 

I have enclosed copies of all my records correspondence. 

I look forward to your reply and resolution to my problems. Thank you for the opportunity to clarified this issued. 


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 explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX items on my credit report are listed 2 times each. XXXX XXXX Credit Card, XXXX XXXX XXXX XXXX XXXX are listed as write offs. These accounts were purchased by XXXX XXXX XXXX in full and should not be listed as Write Offs any more. I 've paid XXXX of these in full , XXXX XXXX and XXXX XXXX. These are also listed negatively on all XXXX credit reports as Write Offs and Collections. That 's like Double Jeopardy. I 'm being held accountable 2 times on each account and all are reporting negative even though XXXX are paid in full. I have good credit from other resources that are the same installment payments on merchandise and cash loans that all XXXX credit bureaus refuse to report. These would boost my credit ratings. The reporting of my report from XXXX is completely different from Transunion and XXXX. All XXXX have refused to change any information or add or adjust credit as payments are made and on time as well. I was told by Transunion to contact my congressman here in Mississippi, I did, and now, you 're it. Sincerely, XXXX A. 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 — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I ve lived in a shelter for the past XXXX years and i have house mortages in my name and car insurances in my name also.somebody is staling my account information and thats fraudulant my name is XXXX XXXX i never owned a car orlived in my own home i also never gave my info out though it couldve been stolen by someone the person who is using my info.i want to start an immediate investigation and criminal and federal charges pending the party of fuaud ( s ) .i do have an finance account i cant acess because i didnt get my account number .please can you or a relating company give me any assistance.thank you. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
XXXX XXXX, XXXX, my husband and I went to XXXX XXXX, XXXX IN to look at vehicles. We thought we had purchased a XXXX Ford Edge. Ally financial was the finance company who was financing the vehicle. We took the vehicle home that same night. I put insurance on it but I was never able to register the vehicle. I received a letter of denial from Ally date XXXX XXXX, XXXX stating they could not finance the vehicle. I called Ally and I called XXXX in regards to the letter of denial. Ally said I should contact XXXX. I returned the car on XXXX XXXX, XXXX. I could not get anywhere with XXXX. Ally processed the loan anyway even though I had returned the car. The car was sold at auction some time around XX/XX/XXXX. Then they claimed that I still owed them {$8800.00}. This is a charge off. I do not owe them anything. There was never any agreement to the modified terms of the contract. I never signed any additional papers. There was no meeting of the minds. And once you make changes to the original contract that voids the deal. Which is what happened. I have supporting documents to prove my case.

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 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a Tax lien on my credit report that should n't be on there.

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 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
TransUnion shows on my credit report the amount {$860.00} past due to XXXX University. I have spoken with multiple people at XXXX and they all tell me I do n't owe any more money to the school and my accounts were paid in full XXXX of 2015. 
Trans Union is ruining my life and since their website is garbage, I ca n't file a complaint there.

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 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My HOA in Virginia changed management companies, and my payments were never credited to my account, so the HOA said it would file a lien against the property. In effect, it filed a collection that became a default judgment. I hired an attorney to set this aside ; she failed to do so, even when I paid all the payments they said I owe. The HOA attorney actually filed a removal of the lien. My attorney did nothing. ( I dispute that I owed the total, but I was more concerned with my credit report so paid even when in effect I XXXX the HOA. ) To date, this " judgment '' is still on my credit report, even though it should have been removed. I 'm attaching the " removal of judgment lien. '' My question now is whether I have to hire another attorney to set aside this default judgment and have this stain removed from my credit report, or will this " removal of judgment lien '' suffice? No one is answering my queries on the matter. I even disputed this with Transunion but they did not allow uploading of info so it 'll likely go nowhere. Thank you for whatever help you can offer.

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 — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This data was deleted from my credit report, and reinserted. 
This was a fraudulent 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 2015-12-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi, I request a credit increase from my XXXX XXXX XXXX & I consider there will be a soft Copy of my credit report, but they did a hard copy without mentioning on line on this regards, therefore I lost some point on my credit Fico Score by Trans union, which is not Fair, they should notice me that before my request on that regards, my other Credit card they do increase on line with no effect on my credit Score ( Soft Credit inquiry ) Please consider my request to remove this hard copy from my Credit report on XXXX/XXXX/15 Thank you for concern & Happy holidays XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union is reporting unverified accounts on my credit report. This is in violation of Section 609 of the Fair Credit Reporting Act. which states that all account contracts need to be verified.

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