vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion, to date, I have not received the results of your investigation regarding my disputes dated XXXX XXXX, 2016 & XXXX XXXX, 2016. I did receive a notice from you dated XXXX XXXX 2016, explaining to me what an " inquiry '' is ( I know what an inquiry is ), but this did not satisfy your obligation, by law, to investigate and correct inaccurate information which appears on my credit report. As the 30-day clock has already lapsed, your only course of action here can be to delete the disputed items from my credit report.Inquiries are not a statement of fact. The inquiries I have listed did not have my authorization nor a permissible purpose to obtain my credit history. The law makes no distinction here, by placing the responsibility to confirm this information with you. Inquiries hurt a credit score, and are a part of the report. You are not exempt from following the law, simply because these entries are not tradelines. The FCRA clearly places this responsibility on you. The information you are reporting is incorrect in the way I have explained.

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 2016-09-07 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have a 60 day late notice on my credit score from ally financial. I had arranged for a payment to be pushed to the back end of my car loan while starting a new job. I made payments as scheduled in respect to this arrangement. 
This debt was moved- it not late. It should be removed from collections as it dropped my credit score over XXXX points.

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 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Account that should be closed, but is reported as open in my XXXX report, in error : XXXX XXXX. 
StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXXAccounts that are current, but are reported as missing payments in my Equifax report XXXX although they are current and receiving {$330.00} dollars a month : XXXX XXXX - STUD StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXX XXXX - STUD StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXXDP of Education Past Due $ XXXXDP of Education Past Due $ XXXXDP of Educatoin XXXX Due $ XXXXDP of Education Past Due $ XXXXDP of Education Past Due $ XXXXAll these loans above are part of the DEPT OF ED/XXXX loan and need to be closed, as they are now part of the XXXX total sum, which is {$45000.00} dollars. These loans have all been consolidated into XXXX loan serviced by XXXX shown below : DEPT OF ED/XXXX StudentXX/XX/XXXXOpen - CurrentNo Missed Payments {$45000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account was paid in full and was deleted but was reinserted.

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 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion inserted several inquires in to my credit report. I was never notified and did not apply for credit. 
inquires below listed are in error : XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX, personal 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 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I just received the highest credit score ( XXXX ) ever report by TRANSUNION on XXXX XXXX, XXXX. It also showed the number of inquires as XXXX. Credit report of XXXX XXXX, XXXX showed a score of ( XXXX ) and only XXXX inquiry. Why has TRANSUNION removed inquiries and turn around and re-enter. 
Credit scores are based on Credit history and payment pattern. These scores are used to assist lender in determining whether one will obtain a loan and/or what interest rates may be offered on mortgage or even a credit card. During a recent research into my credit files, it had been revealed that the credit bureaus reported a XXXX payment history, excellent rating on number of accounts, good rating on age of accounts, just to name a few categories. 
Scores are based on the information contained in your credit report. Confirming that the credit information on your report is accurate will ensure that the score is correct regardless of the model used. This I understand. 
TRANSUNION stated that these Adverse Key Factors will not be deleted from my credit report. I find TRANSUNIONS action totally absurd and completely inaccurate. 
TRANSUNION appear to categorize accounts under specific Key Factors, without specifying any account/s Customer being unable to determine what accounts are categorized under any reported adverse key factors affecting ones credit scores.has no chose but to dispute these adverse key factors. For example TRANSUNION reports delinquent accounts ( adverse key factor ) to creditors. who in turn forwards to customer. recommending to review credit files.Upon reviewing credit files, you find no delinquent accounts.If you find no delinquent accounts and TRANSUNION does not specify any account, then TRANSUNION is reporting incorrect data. Research has revealed that TRANSUNION did not provide sufficient data to support these adverse key factors and must remove these adverse key factors. 
Attached are letters and disclosures which state the identical adverse key factors that had been reported XX/XX/XXXX. No changes in verbage. Looks like these adverse key factors may have been copied and pasted. 
TRANSUNION stated that the customer must confirm that the credit information on your report is accurate. These Adverse Key Factors not being deleted from credit reports are totally inaccurate.

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 2016-06-10 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: TX

Complaint narrative:
I am unable to change my address and phone number on credit report, nor will TransUnion provide access. 
My address is wrong as well as my number. I have been denied auto loan and rental application due to this. 

XXXX Texas XXXX XXXX home phone XXXX Work

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 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The XXXX continues to report that I owe them money. I have called, and emailed them to no avail. They took the money years ago on a treasury off set, deducted from my tax return.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Delbert Services
State: MT

Complaint narrative:
I borrowed {$10000.00} on XXXX XXXX, 2013 from Western Sky Financial. They then charged a {$75.00} doc fee out of the loan amount. Then I made payments of {$740.00} for 15 months and borrowed money from my mother to payoff the loan, the payoff was {$10000.00}. I made XXXX payments and the payoff was still more than the original loan. The interest was 89.68 % if the loan had been paid in full the total amount would have been {$62000.00}. I was just informed that Western Sky has been sued for this exact type of loan in multiple states claiming the interest rates far exceed many state and federal interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have settled with XXXX XXXX XXXX over 5 years ago to an amount that was less than owed to them. They have received payments up to the total settled. XXXX XXXX XXXX never sent me a letter stating that the account was settled. I do n't know why they keep these figures on my report. 
I have contacted them on many occasions and they are ignoring my requests. As far as I can say, I have fulfilled the terms of the agreement. They say that the person working the arrangements, XXXX, does n't work there anymore. How is that my fault if the employee handling the account is gone. This does n't speak were highly of a multimillion dollars corporation.In the meantime they are messing up my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I made a dispute on XXXX accounts from XXXX XXXX XXXX through Transunion. The XXXXaccounts were generated on the same day, XX/XX/2013. These accounts were completely paid off ; XXXX account was removed and the other XXXX remains on my credit report. I have written several letters to XXXX XXXX XXXX and Transunion, requesting the other XXXX accounts to be removed also. I have been unsuccessful at getting a legitimate answer for my requests.

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 2015-03-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I filed a complaint against Ally regarding my car loan earlier today however I finally was able to speak with an agent and learned why I have had so many issues during the four years. When Ally credits a payment they credit the payment to next or current car payment but do not credit any of the funds to any amount that may be " in arrears ''. When the next payment comes in they continue to credit the entire amount to the next payment regardless if there is a late fee or shortage in the previous/current month on the account. This keeps the customers account in a constant shortage which then incurs additional late charges and sets the customer up for reporting to the credit bureau. This is what has been happening to me since I became an Ally customer over 4 years ago. I have complained several times to Ally but they deny doing anything wrong. Today " XXXX '' told me how Ally credits payments which explains why/how Ally has been overcharging me for the last 4 years. Per " XXXX '' this form of accounting is perfectly acceptable. If this is the way a bank/credit union is suppose to credit payments then I have several other accounts to file complaints because none of my other lender do this underhanded accounting. I make more than XXXX payment per month so instead of Ally crediting my payments to current month or any arearage they are crediting payments to potentially future payments and leaving me with multiple late fees. When I make a payment I expect the money will be credited to what I owe - late fees, current monthly payment if additional to principle. I expect this every month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
The public record in question has been reporting with an incorrect filing date. The judgement was paid in full when I was surprised with a document via Certified Mail. I contacted the collection agency ( XXXX XXXX XXXX XXXX ) immediately and they told me the debt was from a hospital. I had been getting the run around from the hospital and my insurance company about this debt and then it got kicked to the collection agency. I would like to state that I paid off the judgement in full immediately after receiving the documents. The dates differ from each collection agency to the next as far as the filing date of XXXX/XXXX/10 to XXXX/XXXX/10 for the civil judgment. The dates simply do n't match up. It 's also frustrating when the original debt from the hospital was from years before that. This needs to be removed. This whole ordeal was a messy and heart-wrenching one for me years ago. I had a health problem so I went to get healthcare and the insurance and hospital billing were n't seeing eye to eye and I was n't being kept in loop. It gets sent to collections and I get a surprise judgment against me and I had to scramble to pay it in full. Anyways, that 's my personal story. I 've grown wiser. The whole deal was a fly by the pants operation and it gets reported wrong to the collection agencies. Thank you for reading this. I do appreciate it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 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:
After reviewing my credit report I found several inaccurate XXXX XXXX accounts. I have sent several request to Transunion requesting validation of debt including history and origination thinking these accounts were mix-ups or something that a complete history could resolve and after several letters sent via certified mail and close to 90 days I have received no information. Just the exact same computer print out without any additional documentation.

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 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please correct my Social Security Number which was recorded wrong ( XXXX ) in the Credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21 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:
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Oil And National Credit Cards I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run 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 2016-10-04 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:
I 'm a victim of Identity Theft. I submitted a Victims FTC Affidavit ( XXXX ) along with a Police Report ( XXXX Police Dept - Report Number ( XXXX, Officer XXXX - Badge # XXXX ) and spoke with Supervisor XXXX XXXX with TransUnion who stated that he could not accept my information because there was payment history made on fraudulent accounts. I stated that some of the accounts that were being investigated had large balances : For instance there are XXXX child support cases with balances of XXXX, XXXX and XXXX equaling {$190000.00} so how in the world does this show positive payment history. I also explained that my son and father also share the same name. In closing per the FTC if a victim of identity theft submits and affidavit and police report that the Credit Reporting agency must comply and block those accounts within 4 days. Transunion is refusing to follow the laws put in place to protect consumer rights.

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 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I had requested my credit report from Trans Union after a mortgage company claimed that all XXXX of my reports were very negative. Since I had a score in the XXXX just a month ago, I knew there was a problem and wanted to find out what was going on. I had to pay {$1.00} to Trans Unionand I saw the report and my FICO score online ( which was in the XXXX ). The next day, I received an e-mail from then stating that the {$1.00} enroled me into a credit monitoring service and if I did n't opt out in XXXX days they would deduct {$17.00} from my checking every month! I had reported a similar problem with XXXX, and they let me opt out. However, with Trans Union, there is no way to contact them to stop the payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
take the excessive hard inquiries from XXXX XXXX 2015 off credit report. only XXXX authorized was XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XXXX XXXX, my wife and I asked Trans Union to investigate mistakes on our credit report. My wife received her response in a timely manner, but I have yet to receive my response. We have sent follow-up letters to Trans Union, but we have yet to get an explanation on why my wife received a completed investigation, but they have been unable to provide one for me. The request was made at the same time.

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 2015-04-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
After filing Chapter XXXX Bankruptcy in XX/XX/XXXX, I made payments to Ally Financial through the court trustee. The plan was completed and discharged by the court in XX/XX/XXXX, and the ENTIRE AMOUNT OF THEIR CLAIM WAS PAID IN FULL WITH INTEREST. However, while Ally acknowledged the amount paid through the wage earner plan, they are refusing to correct the account balance to {$0.00} as my other creditors did. I disputed this information with the credit bureau, and received confirmation from XXXX that the account information had been deleted and the matter resolved. However, I later discovered that rather than making the correction, Ally instead reported this tradeline as a NEW balance, dramatically impacting my credit score. I then contacted Ally directly to discuss the problem. Their representative, named " XXXX '' ( she refused to give a last name ), was extremely rude and made no attempt to be helpful, insisting that since there was interest that had not been paid, Ally would not report the account as a {$0.00} balance. I demanded to speak to her supervisor, XXXX XXXX ( not sure of spelling ), for whom I left a voice mail message. As of this report, I have not received a return phone call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX reports {$420.00} charge off. This is not my account. It is reported open in XX/XX/XXXX. XXXX reports it closed in XX/XX/XXXX. They both report it as a joint account with my husband. 
XXXX XXXX not my account and reporting a charge off of {$210.00}. 
XXXX XXXX not my account and reporting a collection of {$210.00}.

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 2015-12-18 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: NJ

Complaint narrative:
I have filed lawsuits against TransUnion and XXXX. A s a result, these credit bureaus will not supply the required annual report for unknown reasons.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief