vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-14 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: CA

Complaint narrative:
dealing with my bank on a new line of credit. they received a negative credit report. when contacting credit reporting company I was referred to another site for a free report, the problem the response would take up to 2 weeks. and due to the time constraints placed on me by the bank, that was n't going to work. my only option was to be come a member of that credit agency. 
after paying the fees, what I got was a report with only numbers. no company names or contact phone numbers. I called the credit agency 4 times trying correct this problem to no avail.during this time I had purchased {$1.00} seven day service. to get a corrected report it cost {$29.00}, and still did n't get a corrected report they also have a 7 day cancellation. I canceled within 3 days. I was sent an email from this company asking if I really wanted cancel. meantime I received a letter from the bank I was working with telling me my line of credit was denied because of the negative credit report. they gave me an XXXX number if I wanted to see the information the credit agency had gathered. I call the number gave them all the information they requested. 2 days later I got a letter from this company claiming the information I had given then on phone was not correct and had to submit additional paper and pay a {$10.00} fee. I was certain I saw a credit on the visa web site from this agency. checked the same visa web site the credit was gone. called visa, the rep I spoke to said she could get this company on the call and we could work this issue out. the person from the the credit agency said she could not refund my money that a supervisor would need to do that, told her, fine put your supervisor on the line. in the transfer process naturally I was disconnected. trying to get a credit report from this agency at best is horrific and worst a nightmare. I do n't have any documentation to backup my story, because when I thought I saw the credit on the vise site from this agency I deleted all the emails

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 2016-07-27 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/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$500.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national 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 explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Transunion has failed ( as usual ) to adhere to proper procedures and credit laws. A XXXX account is on my credit report and needs to be deleted immediately XXXX correctly removed this account that is reporting incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
File Number : XXXX I have a a unverified accounts from the following : COMENITY CAPITAL/HSN # XXXX Please Delete no record found. 
SPRINGLEAF # XXXX The account not verified please delete. 
XXXX. XXXX This account is a XXXX violation please delete. 
XXXX XXXX, # XXXX, # XXXX XXXX accounts has never been verified error please delete. 
XXXX # XXXX Never done busines with this company please delete. 



XXXX - XXXX XXXX {$2200.00}. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I dispute the validity of the debt they purport I owe. I request that these companies Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2015-07-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
# 1. on XXXX/XXXX/2011 i purchased a vehicle from The " XXXX XXXX XXXX group, i was not made aware of the minimum A.P.R. offered by the finance company " ALLY ''. I 've contacted Ally requesting the initial APR offered by them to purchase my loan and they have refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To whom it may concern : I am writing because under my credit report, I am reported as married to XXXX. I am not married and this is an error, as I was married to this person but the marriage was annulled due to fraud. I need my report to show my accurate marriage status, which is single. 

Also, I legally changed my name because the credit reporting agencies continued to link my accounts with those of my mother 's and sisters but now it seems they are mixing up my names. I was born, XXXX XXXX, my mother later XXXX by adding her last name, changing it to XXXX XXXX. Due to all the issues with our linking accounts I removed my mothers last name and changed my first name. My legal name is XXXX XXXX, and I need my report to report the correct information under my legal name and not past ones, that I no longer use. The XXXX report shows my previous name as XXXX XXXX, but my XXXX XXXX report only shows XXXX XXXX under my names used in the past and I am very concerned that since the reports provide different information, when they show my past names, that they think they are dealing with XXXX or XXXX different people. Thank you for your attention in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I received several alerts from XXXX that I had several new inquiries on my Trans Union credit report however, I had not made any inquiries. So, I contacted Trans Union and spoke to representative XXXX and then her supervisor XXXX/XXXX who both admitted to me that they were aware of a system issue that was causing this and they are currently investigating this issue but do not have a timeline on when it would be fixed, however, they denied to remove the negative inquiries from my report. They are fully aware that they have system issues and that they are illegally adding credit inquires to individual 's reports but refuse to correct their mistakes. I would like the credit inquiries removed immediately in which some are showing 2 or more times. The illegally added inquiries are as follows : XXXX - REMOVED AND ADDED 3 TIMES XXXX XXXX - REMOVED AND ADDED BACK 3 TIMES XXXX - REMOVED AND ADDED BACK 7 TIMES XXXX - REMOVED AND ADDED BACK 3 TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union has admitted wrongdoing but refuses to correct the issue that their system has caused.

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

Complaint narrative:
I had my inquiries removed off of my Credit report and when I checked my credit report today they were back 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 non-monetary relief
Consumer complaint received 2016-04-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is still showing incorrect name related to me. I am XXXX XXXX XXXX and they show either XXXX XXXX XXXX and they also show 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 explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This is written notice to Transunion that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the inaccurate, invalidated, disputed accounts information in which have been illegally displayed on my credit file, be VALIDATED, and if VALIDATION can not be made within the 30 day time frame allowed to TRANSUNION by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( TRANSUNION has now legally exceeded the time frame allowed by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes. 
The law requires compliance with the terms and conditions of the Fair Credit Reporting Act ( FCRA ), within 30 days or a complete withdrawal in writing of any claim. TRANSUNION has failed to remove these INACCURATE, INVALIDATED, DISPUTED accounts outlined in my original disputes. This inaccurate accounts information should not be associated with my credit report and TRANSUNION has failed to legally VALIDATE these accounts information in the time frame allowed to them by law.

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 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I wrote to Transunion in regards to an entry listed on my credit report which I previously disputed and requested to have removed. After disputing the public record, I was told that the public record was accurate and verified and it is still listed on my credit report. I wrote to Transunion and asked them how did they verify the bankruptcy public record on my credit report to make sure that it is accurate if the XXXX District of Pennsylvania Bankruptcy Court stated that they do not report or verify to credit reporting agencies with any information relating to any bankruptcy cases. If that is the case, then where did they get the information from? If they did not get the information from the BANKRUPTCY COURT, then the information on my report is inaccurate, false and should be removed from my report. I enclosed a copy of the letter I received back from the XXXX District of Pennsylvania Bankruptcy Court supporting my position. I asked Transunion to remove the bankruptcy public record from my credit report file immediately because the public record could NOT have been verified since there is no way to verify it.

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 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I contacted original creditor XXXX XXXX XXXX XXXX times in which they verified paid in full with a zero balance. They ca n't find me as a customer anymore when explained they said they would contact the collection agency and get it removed. They did n't Enhanced recovery then told me a month later they never received anything from XXXX XXXX. The XXXX call a gentleman gave me an authorization number XXXX showing paid may XXXX/XXXX/15 it 's now XXXX/XXXX/15 and they are still reporting delinquent. Account number with XXXX is XXXXContact info for XXXX which I have sent the statement from my checking showing I paid in full {$170.00} is XXXX FL XXXX. This is really hurting my credit which is why I paid it to begin with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01 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 my request to investigate and remove some accounts from my credit report 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 2015-05-15 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:
For the past 8 months I have tried to have fraudulent information that was once removed from my credit readded by Transunion. I have supplied them with a valid police report that was stamped and signed by the police office and to date they have done nothing but ignore me. 
The fraudulent accounts that were once removed and re-added to my credit are as follows XXXX XXXX XXXX XXXX XXXX Tax Lien ref # XXXX judgment ref # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX accounts in collections were paid in full, but still showing as open/unpaid on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a Chapter XXXX Bankruptsy filed on XX/XX/XXXX and XXXX on XX/XX/XXXX. Transunion does not report the XXXX date, so I disputed this item and sent a copy of the Discharge to Transunion. Transunion did an investigation ( Confirmation # XXXX ) and upon completion still does not list the Discharge date and also now is reporting " Date Unpaid as XX/XX/XXXX '', which is NOT correct, there is no " date unpaid '' with a Chapter XXXX Bankruptcy. I disputed this XXXX times without resolution.

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 2016-07-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have an auto loan with Ally Financial and I got behind on my payment, but never by more that 30-days, but still outside of the 15-day grace period. Most months I receive automatic calls from Ally regard my account, but no one is on the phone when I pickup. I complained about this issue for several months. However, each time I inform Ally collections or customer service staff of the problem and tell them to notate my account with the fact that I have made this compliant, the next time I call no note is added to my account and nothing is done. I asked the customer service person that took my last complaint on XXXX XXXX, 2016 at XXXX what would be done regarding this complaint. She stated that she would just note it in my account. I asked to speak with the manager and XXXX, manager of collections, stated that this is what happens when the automatic caller calls someone. I asked what would be done to ensure that when the automatic caller calls a borrowers there is someone there to respond. XXXX, manager of collections, simple stated that he would note the account, he did not seem to care. Finally after I pressed him about the issue he stated that he would notify the automatic dialer team. This is my fifth month calling regarding this issue and I have yet to hear of a resolution.

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 2016-12-12 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Receiving calls everyday and sometimes up to XXXX or five times a day! I explain over and over payment set up already on their system! I have never missed a month but they call if you are three days late! I feel they need to review their processes because it is harassment as much as they are calling and their workers or not notating call!! 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 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I mailed out a letter and followed the instructions precisely ; included a copy of my drivers license, proof of my social security number, and proof of my address, along with my letter asking for an investigation into numerous issues. That was two months ago. They have not responded 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 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
someone has been using my identity ssn since 2011 til present and there has been XXXX or more inquiries on my credit was hit hard and also XXXX school I do n't owe anything to them I would like that removed cause its showing that I owe when I dont owe XXXX any money its zero I would like the all the inquiries since 2011 off my records immediatelyXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I received a copy of my TransUnion Credit Report File # XXXX, XXXX issued XXXX/XXXX/2016 and am disputing some items that need to be corrected. I have numbered these disputed items. The reasons why some of these items are inaccurate, outdated information and should be corrected are indicated below. I am requesting the name to be corrected and records removed or deleted : The name XXXX XXXX is spelled incorrectly on the form 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