vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since your last update on XXXX XXXX, XXXX, XXXX inquiries have been added to your credit report. 
Lender Industry Inquiry Date Reported By XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX Miscellaneous XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion FRIENDLY XXXX XX/XX/XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX Credit CardsXXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion

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 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" consumer debts that did not arise from a contract or other agreement by the consumer to pay '' are no longer supposed to be derogatory marks on credit reports as of the new fair credit reporting laws. 

i joined XXXX last year and saw this mysterious mark on my credit that said XXXX '. i had loaned someone who lives in XXXX my car for a month to help them - but they had never told me my car got a ticket and i had moved so i assume i just never got it in the mail. i wrote the company and said i knew nothing about this fine and that i refused to agree that it was a true debt but that i would be willing to pay the full amount ( plus XXXX $ ) in full if they removed it from my credit report because i would rather not fight about it. they simply then sent me a bill in return - the first i had seen - and tried to up the amount of money they claim i owe without agreeing to remove the stain from my report so i did nothing. 

i just was sent an article recently claiming that credit companies now have to remove such bad marks as parking tickets since as in my case it was not a contract where i agreed to pay and did not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I had XXXX accounts disputed and they were removed from my report now a new company reported my old debt back on 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 non-monetary relief
Consumer complaint received 2016-03-02 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: TX

Complaint narrative:
they saying my current add is not on their file, and wont sent report. I know they lying cause Transunion has my current add on file.

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 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been disputed XXXX with Transunion for a while now. They sent me the results stating that it came back verified. I requested that they provide me with a copy of their method of verification, they have not been able to do so. I contacted the alleged company myself and they did not receive any investigation request from Transunion. So how were they able to verify this alleged account?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are a couple medical debts listed which I do not owe. This information was confirmed with the actual collection agencies them self. The items still appear to be listed on my credit file and with balances. What happen to " Credit Bureaus offer relief to consumers with medical debt '' For example, existing medical debt defaults that finally get paid -- whether by the insurer or the patient -- will be deleted. 
The accounts in question areXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX and XXXX XXXX which is not a medical debt but a violation as I do not owe this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 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:
My inquiries fell off but then they were reinserted and I never got the five day notice ( which is as FCRA violation ). The inquires are as follows : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX 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 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX after calling Trans Union to dispute XXXX entries on public records to agent that XXXX XXXX XXXX for the amount of {$4600.00} and XXXX XXXX County Court {$520.00} should be removed like all other creditors in chapter XXXX bankruptcy ( see attach XXXX ) and XXXX sold account to other collection agency which resubmitted my closed account on my credit report as " open '' when it was discharged also in bankruptcy. ( see attach 6 ) After calling about these complaints for dispute my account was locked by agent ( see attachs 10-14 ). I had explained to agent that I had answer all the security questions correctly and it was wrong in their system ( Trans Union ). I explained to agent I could proved that " grandfather name '' I was given was correct, but the agent did not accept my information and request he only way for my account to be unlock " I must send in picture ID ''. I explained to agent that I did not feel comfortable sending picture ID due to on going identity thief and other major reasons. 
I truly feel the standard for Trans Union to make " only request to verify my identity is with a picture ID '' is open to discriminated any future dispute against me because of my race, sex or religion. Their are other ways for verification a person identity other than picture ID. Some example I can list from other vendors who verified a person identity : SSN card, current utilities or cable bills with name and address, payroll check studs. 
The method Trans Union is enforcing requesting a picture ID is largely open to discrimination with an individual to denied any dispute or not updating credit files that can damage a person credit rating base on race, sex or religion. 
I am pleading with the CFPB to look into the method Trans Union is using for verifying an individual identify. I know my account was locked after making a dispute claim which, now Trans Union is requesting a picture ID to unlock my account. 
With my account locked by Trans Union I am unable to check if any inaccurate information has been posted to my credit that can damage my credit rating. 
Also this is a way for Trans Union supporting creditors who are conducting improper illegal actions with false information posted to an individual credit with problematic to discriminate against the debtor credit report. 
Also requesting XXXX derogatory remarks to be removed from my credit report 1 ) XXXX XXXX XXXX open XX/XX/XXXX should not of been open. Account closed in bankruptcy XX/XX/XXXX from XXXX XXXX. 
2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) for {$4600.00} removed like other accounts in bankruptcy XX/XX/XXXX 3 ) XXXX XXXX County ( XXXX XXXX ) for {$520.00} lien for sewer bill and not a tax lien in bankruptcy 2014

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 2015-10-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
XXXX and XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXX # XXXX XXXX XXXX

Company public response: Company 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: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In XXXX of 2015 I contacted TransUnion LLC to request the investigation and removal of incorrect information on my credit file. Over several months I received the generic automatic letter that they send all consumers who disputed their credit file. I took legal action and obtain a default judgment against the company reporting the inaccurate information on my credit file in XXXX of 2015. I forwarded a copy of the judgment to Transunion over the last three months and they still have not removed this inaccurate information from my credit file. Transunion keeps sending me the same letter stating that they have verified the account belongs to me and that I should contact the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 2016-05-21 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: MacDowell & Associates, Ltd.
State: CA

Complaint narrative:
I already paid them and they still are sending me letter that I did pay when in fact I did in this noticed I will be providing the receipts of payments done to them every month

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 2015-07-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My car was repossessed XXXX XXXX, 2015 and i had an amount due of XXXX including past due charges finance charges as well as the repossession fee of XXXX. I had a month to do so it took Ally Financial 5 days to give me information on redeeming my vehicle. When i finally received the information i started gathering my funds. They gave me a month to pay the XXXX in FULL, they were not taking partial payments. I up called the tow yard to see how much a day was the fee and they stated " For ally we do not charge for storage fee '' Ally tried adding on XXXX $ of storage fee onto the top of the XXXX. Every time i called i had to explain to them the place my car was held had no storage fee some representatives refused to remove the fee. I ended up redeeming my vehicle paying XXXX in FULL on XXXX XXXX, 2015 i did receive an 7 day extension to redeem my vehicle. After bringing my account down to XXXX $ they added a hidden fee of XXXX on my account a couple days later which is adding late charges to my account. Its now XXXX XXXX, 2015 I 've been calling Ally explaining my situation for 3 weeks now and they have still done nothing, all the of reps claim they will note my account and they note very little leaving me a whole story to explain they told me i have to talk to redemption and i did call them as well as the tow yard and redemption states " we did not put any charges on your account because we would n't have released the vehicle if there were remaining charges left, you have to pay the amount owed before redeeming your vehicle ''. So i then called the storage company and they states " There are no charges left pending for that car ''. So that leaves me to believe they added some random charges to my account and they are trying to cover their selves. I spoke with a lady in Texas and she told me that i probably wont be able to dispute the charges because its something i owe. When state law states all charges must be paid in full before redeeming your vehicle. Im paying my care note on time and trying to refinance my car and i cant because of charges on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My child 's identity has been stolen, it shows a XXXX 's credit at XXXX TX, he 's social security number has been used by this person since 2010, I have reported this issue to XXXX. and nobody has seem to help me and my child in this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have an alleged XXXX account for XXXX on my Transunion credit report.I have disputed this account several times with Transunion as I have not received notice of debt or notification of my right to dispute. Furthermore, the information reported on the Transunion credit file regarding date of first delinquency varies from the other reports. I have attached copies of each report to support this claim. 
XXXX DOFD - XXXX DOFD - XX/XX/XXXXTransunion DOFD - XX/XX/XXXXThe FCRA requires that accurate information be reported to each Bureau and that each Bureau reports accurately. At this point it is clear Transunion is allowing this inaccurate and damaging information to be reported on my file when obviously it is not correct. The date of first delinquency is a single, historical point an account first came delinquent and can not vary between bureaus. At this point I hold Transunion responsible for reporting this information and for removing it from my credit file. My legal rights as a consumer entitle me to compensation for any damages caused by this information reflecting on my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
XXXX is reporting negatively on my credit report even though the debt was sold to AD ASTRA RECOVERY SERVICE in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
On XXXX/XXXX/2015, I utilized the trial membership that Transunion offered for a seven day period. I notified Transunion through email that I am not interested in utilizing there product. I also notified Transunion verbally on XXXX/XXXX/2015 that I am not interested in this product due to information was not reporting accurately or being updated in a timely manner. In which I received email confirmation on XXXX/XXXX/2015 and XXXX/XXXX/2015. That the cancellation was received. on XXXX/XXXX/2015, a charge for XXXX was drafted from my checking account. In which I contacted Transunion on XXXX/XXXX/2015 or XXXX/XXXX/2015 and requested a refund. ( the reason for the delay in noticing this matter is My job transferred and I moved XXXX hours away ) So my focus was on packing and moving. So on XXXX/XXXX/2015 or XXXX/XXXX/2015, I called and spoke with a representative regarding my concerns. The representative stated that the proceeds would be credited back to my account within 5 business days. I contacted Transunion on XXXX/XXXX/2015 regarding the same issue, and the representative ( XXXX? ) was rude, unprofessional, and argumentative. I immediately escalated this matter to a manager. The manager advised me that it takes XXXX days for my proceeds to be refunded and acknowledged that I did submit my cancellation. I advised the manager today is XXXX/XXXX/2015, I believe the 30 day window has passed. The manager stated that I should contact my bank, I advised the manager that I will be filing a complaint, because it not the issue of XXXX, its the matter of me complying with the terms and conditions of the trial period and Transunion took it upon themselves to take money out of my checking account after it was communicated in writing that no authorization has been granted to take money out of my account. Also that Transunion acknowledged the cancellation and proceeded to withdraw proceeds out of my account. This is not a banking issue, this is just wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
ally financial gave me a 18 % interest rate ofnmy auto loan and i also put down XXXX to get financed I believe everything was based off of ethnicity.

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: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
TransUnion refuses to update the status of all the accounts that were a part of my CH XXXX bankruptcy that was discharged 15 months ago, XXXX 2015!!!! The accounts are still reporting Late and on Payment Plan. This information is false. Compare to XXXX. XXXX updated alll my information in a timely manner and responded correctly to all of ny disputes.

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