vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX account XXXX is reported twice on my Trans Union Credit Report. Once under XXXX ( accurate ) and again under revolving ( iduplicate ). If you look at the attached report you will see on page XXXX the reporting from all three credit agencies on the account under real estate. Then on page XXXX Trans Union ( not Experian or Equifax ) Reports the XXXX trade line a second time under revolving 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 non-monetary relief
Consumer complaint received 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. " This Is Not a Dispute '' Public Records-Judgements XXXX XXXX XXXX ( I never served with the appropriate paperwork informing me of these negative events reflecting on my CRA file. Please accurately report this information or delete from file. ) XXXX. Identification Number # XXXX Claim Amount {$0.00} I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g Section 609- Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed. Please communicate your intentions in writing. Regards, 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 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX financial is illegally reporting a line item on my credit, since they are REFUSING to accept payment. Any creditor listing a line item on a credit report, must offer a means of satisfying that debt, to the EXACT ENTITY name listed on the credit report. If they WANT A 3rd party to be paid, they must HAVE THE 3rd party list the line item, with the option to also list an ORIGINAL CREDITOR. It is illegal to not offer a solution or repayment method, while listing a line item on someone 's credit. I have attached a recorded audio file, of XXXX XXXX refusing my payment attempt.

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 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Account was paid but never updated to the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion is reporting the date of birth that belongs to someone else AS ( XX/XX/XXXX ), not mine ... .my birth date is ( XX/XX/XXXX ) Also Transunion is NOT reporting my current and true address of XXXX XXXX XXXX XXXX XXXX , TN XXXX. I have attached my photo ID with my current and true mailing address, please update my file, 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 non-monetary relief
Consumer complaint received 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
My credit report stated that i had loans that i never got.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I XXXX XXXX am a man and am currently engaged in a contract with ALLY .On XXXX/XXXX/15 I made the payment requested by Ally VIN : XXXX Most Recent Payment : $ XXXXReceived : XXXX/XXXX/2015. I was told this was the payment due with no explanation why .I assumed it was an voluntary corrective action because on the " enforcement '' action against them earlier.then I rec 'd this notification Next Payment : $ XXXXI contacted ally who said that the payment for XXXX/XXXX/15 was so much less because I had overpaid. they said that the overage went to the principle .I told them the payments made in the past were including the late fee 's ..then I rec 'd this notification Next Payment : $ XXXXDue On : XXXX/XXXX/2015 Past Due Amount : {$440.00} Due On : XX/XX/2015Additional Charges : $ XXXXnotice the difference between XXXX and the " additional charges " of XXXX. there were no " additional '' charges prior to XX/XX/XXXX. I believe these charges are retribution against me for having the " gall '' to question them. also because I stand to benefit from the enforcement action against them. notice in the payment history there are no '' other '' charges. I feel that this documentation proves that Ally has not dealt with me in good faith, that they have caused me damage due to their continuing discriminatory practices. I claim discrimination against me based on my race.

Company public response: Company 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: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion..this agency had many incorrect spellings of my name, XXXX extra social security number on my file, many addresses I never lived, and many derrogatories that did not belong to me. 
I placed a fraud alert on my file and began disputes. To my knowledge the above mentioned has been corrected. 
My complaint today is in the dispute processes..transunion deleted XXXX loans XXXX loans of my high credits, my truck pd off in XX/XX/2014.they also deleted all but XXXX of my positive XXXX loan reportings. They wiped out my positive reportings and high credit seemingly to keep my score below XXXX. 
The bank that originally reported my loans claim they no longer report to transunion. Because of these deletions I cant qualify for any credit, keeping my score very low. 
Im sending pictures of the accounts they deleted unwarranted.

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 2016-11-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I leased a XX/XX/2013 XXXX through Ally. At the end of the lease we returned this vehicle in excellent shape ... over XXXX miles below what the contract allowed for. I inspected the windshild myself and it showed where a pebble slightly grazed off the windshield but it did not have a GLASS - XXXX '' issue as Ally 's XXXX party inspector stated. It took the inspector several weeks to go and inspect the car and the condition of the windshield may have changed by the time ( sitting in direct sun or other incidents not under my control XXXX the inspection took place. This is not my fault ... the windshield was ok ( no XXXX '' crack as Ally is stating XXXX when the vehicle was returned. Even the experienced salesman ( XXXX ) that took in the vehicle at the dealership made no note on this. He said they may " ding '' me on the tires if anything. I 'm willing to settle for {$250.00}. Ally wants to charge me {$500.00} which is completely unfair considering the vehicle was returned in excellent shape and XXXX miles under the contract allowable mileage. I have called and spoke to them at least 8 times including a supervisor who was completely unwilling to compromise. Now I 've gotten a letter from Ally with " Notice of intent to report negative credit informaiton ''. I work hard to maintain my excellent credit rating and made all my payment to Ally months before they were due ... I always paid ahead! You would think they would try and work with me for future potential customer business. 

XXXX XXXX, XXXX, TX XXXX XXXX Ally account # XXXX XX/XX/2013 XXXX ATS VIN 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 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I 'm applying for a home loan and just found out there a negative posted on my credit report. 
The creditor is the XXXX XXXX in XXXX, Texas. I 've shared an apartment there in the past XXXX XXXX ). When I moved to California in XXXX, I 've ensured with the apartment that there is not what soever balance in my name and asked them to remove my name off the apartment. Now, I found out that they have posted a balance over {$3000.00} against my credit 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 explanation
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: IA

Complaint narrative:
I have been disputing accounts of my Trans Union credit file for over 6 months, and still get the same generic answer when the results are furnished. I want these accounts removed as they are not my 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 explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed inquires on my credit report with business that I have not done business with as a result these inquiries are affecting my credit score in a negative way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 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:
Transunion is reporting inaccurate information on my credit report. They are reporting a charge-off account from XXXX when i never had a XXXX account. By the FCRA unless they provide me supporting documentation with my wet signature they must delete the charge-off account from my credit report.Failure to do so will result in a lawsuit against both the creditor ad the credit bureau 's. I have sent documentation to my attorney also.

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 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint against Trans Union, because Trans Union has ignored my repeated request, to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that Trans Union has gone past the XXXX day mark and can not verify these items, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which can not be verified, that I have disputed. Please assist me in making Trans Union obey the law and delete this unverified information from my credit 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 explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Transunion 's online XXXX step credit dispute does not work. 
I could n't progress beyond page XXXX because it would n't accept my numerical address. 
It asked for an '' alpha numerical '' number? 
I 'm going to write them, snail mail. It will take less time. 
I need to report that someone from XXXX XXXX reported it as my phone #. 
Also someone from XXXX, XXXX XXXX reported it as my phone #.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Trans Union had a glitch in the system that violated the rights of their consumers under section 6.11. As a result I have been gravely effected and my credit score is suffering as a result. No notice of was never given to me which also is a violation. So I am requesting that these following items to be removed : XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX Also I am victim of identity theft which I sent in a VALID POLICE REPORT that was typed and sign along with a official police department stamp that was deem that valid by Trans Union.

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 2016-08-28 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:
I previously filed a complaint against credit reports from XXXX apartments for an amount they have put against my credit that I do not owe them. I attached many pages of backup, but want to attach these XXXX pages from them XXXX states at the bottom of the letter- " Federal law gives you 30 days after you receive this notice to dispute the validity of the debt or any portion of it. '' " If you dispute the validity of the debt or any portion of it in writing within 30 days from this notice, we will obtain and mail to you proof of the debt. '' Do THEY not have to comply with Federal law also? I disputed in writing several times. I was told I would receive receipts and pictures, which I never received. Since they did not comply with Federal law within 30 days, I believe this claim should be null and void. I will not be blackmailed into sending them money I do n't owe them and this erroneous entry on my credit report will prevent me from being able to rent in the future, unless it is removed.

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 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
transunion said the debt was verified, no change ... .but i never received verification of this debt being mine, i have no knowledge of this debt being sent to collections, and never had a chance to dispute this account before being reported to my credit 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 explanation
Consumer complaint received 2015-11-21 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: MN

Complaint narrative:
Attempted to access free credit reports from the XXXX main providers on the " annualcredit report.com '' website. Process only worked for XXXX. I could not complete ordering of reports with Transunion and XXXX. XXXX kept telling me to call a phone number which went nowhere. Never able to talk to an agent. Transunion would only allow access if I agreed to pay for a " credit score ''. Upon returning to XXXX, I was informed that I had received these reports, which did not happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/XXXX ESCALATE THIS TO YOUR XXXX DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX SYSTEM YOU MUST READ ALL DOCS 1. Old address on page MUST BE REMOVED 2. OLD AND CLOSED ACCOUTS DO NOT HAVE HIGH BALANCE SEE XXXX FOR HIGH BALANCE OF XXXX AND PAYMENTS OF XXXX MUST BE REMOVED. MUST BE DELETED VIA COURT ORDER PAGE XXXX CHAPTER XXXX XXXX. XXXX XXXX BALANCE IS INCORRECT 4. XXXX BANK BALANCE IS INCORRECT 5. XXXX BANK BALANCE IS INCORRECT XXXX XXXX IS A CLOSED ACCOUNT MUST DELETE HIGH BALACE AAND PAYMENTS 7 XXXX CHAPTER XXXX SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER 8. XXXX XXXX MUST BE REOVED DO NOT SAY VERIFIED NOT AUTHERIZED 9. XXXX BANK INQUIRY MUS BE REMOVED 10. XXXX MUST BE REMOVED DO NOT DSAY VERIFYED DO NOT PLACE FRAUD ALERT ON 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 2016-03-08 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:
XXXX XXXX XXXX was disputed and they do n't own the debt anymore. So, by law they have no more right to even report anything to the credit bureaus. They left a wrongful dispute on my credit report. The account number is as followed : XXXX XXXX XXXX XXXX sold the debt to another company. But they want give me the proper contact information inside XXXX to talk with someone about the debt. They all ways transfer me to a department and the number hangs up after 5 minutes of waiting. I am given XXXX XXXX ( XXXX ) XXXX email XXXXXXXXXXXX full authority to speak on my behalf please make notes on this case number that will be provided by the CFPB.

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 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I requested a credit card from XXXX on XXXX XXXX 2016. TransUnion, credit reporting agency deducted XXXX points from my credit score. I called TransUnion but the Supervisor would not give me any information why - XXXX points were deducted instead normal XXXX to XXXX points for hard inquiry. I filed a dispute to TransUnion on XXXX XXXX 2016 but I have not received a response.

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 reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I sent a copy of a letter submit XXXX to transunion that state that transunion must delete the account submitted to them back on 2011 for the amount of XXXX .and transunion refused to deleted that account from my credit report while XXXX did. Transunion have the copy of the letter .i call them to know why they said that have to investigate it. Reason why I am filling to complaint again transunion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Georgia Tax liens are incorrect. I have disputed these issues with all XXXX bureaus but have only been successful at removing incorrect information from my XXXX Credit file. I have also contacted the GA Department of Revenue to remove this information to only receive a letter back from them the following message stating " I am writing with regard to your letter concerning the above reference state tax. This department does not release tax lien information to credit reporting agencies, nor do we govern items listed on credit reports ''. This response basically stated to me that they ( GA Department of Revenue ) did not report this incorrect information and will not assist me in getting it removed form the credit bureaus. These liens should not be reporting on my credit files and need to be removed from both my Transunion and XXXX reports immediately. I have attached a copy of the Georgia Department of Revenue Delinquent Taxpayer List that confirms that the liens reporting in my credit files are incorrect.

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