vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This complaint is being made for several reasons ; I will be listing them below and will be making a separate complaint against each of the XXXX bureaus. I feel that I am a victim of abuse, handed out by these mega-companies that have no XXXX to hold them accountable to. I wrote the bureaus myself last month and listed my disputes in great detail, listing the reason why I felt my accounts are inaccurate. TransUnion has not investigated any of my accounts. I have contacted all of the companies on my credit file to inquiry whether the credit bureaus have contacted them and what documentation was used to substantiate the way they are reporting the item in question. I know my rights and I know that when I notify them of inaccuracies, they are required to provide an investigation into these items. If I do n't agree with their results, they are required not only to do another investigation, but to ascertain that the info they receive from the creditors is actually correct and accurate. To send me something stating they will not investigate AT ALL is completely ridiculous. They get paid to report information on my credit report so they have no incentive to remove these items. They think that by sending me a letter, I 'm going to accept it, shut up and go on with my life. I KNOW that my rights are being violated and I will get an attorney if I must to actually do something on my behalf. I know the accounts on my credit file that i have disputed are either inaccurate, unverified or incomplete. I would like to see the actual documents that were used to verify these items, I would like to know their method of verification and I would like to know why they are reporting items on my credit file that have not been legally verified. XXXX states that the only legal form of verification is firsthand knowledge ; that means they are required to have the actual proof in their possession to verify these items. If they do n't, they are not legally verified and must be removed. 
I 've included my XXXX and XXXX dispute letters which detail why they are 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 explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
XXXX XXXX - I never applied for any car loans with XXXX and this should be removed - I believe someone must be utilizing my credit info

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a credit reporting company on my XXXX report named XXXX XXXX XXXX for the amount of {$1500.00} from a XXXX which states it was opened XXXX XXXX, 2013. I have no idea what this charge is for and for whom, I have never received a bill on this charge/account. I have always had health insurance which for any procedure done would have been covered, this charge at this time is more than what my health coverage deductible would have been. This is a inaccurate charge that I am not responsible for and I never had a procedure during this time frame. 
I want this removed from my credit report, which is only reported with XXXX bureau inaccurately immediately. I have no knowledge of this account and it 's falsely reported.

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 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX reported incorrect payment history on my account. XXXX 2013 payment was not 30 days late. need payment history verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is a listing for a {$300.00} debt turned over to a collection agency ( XXXX ) but the debt was paid in full directly to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Out of the addresses listed on my credit report, XXXX of them is erroneous, and presents an unfortunate street name that not only does not exist, but that seems to be the result of an incorrect recording of an address by someone other than me. The address in question appears slanderous.

Company public response: Company 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: 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 any of my requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had XXXX different results from the XXXX credit bureau agencies ( XXXX, XXXX, and TransUnion ). It was in regards to a dispute filed in XX/XX/XXXX. I sent all XXXX agencies the same exact same information. The dispute was in regards to a 30 day late payment in XX/XX/XXXX ( the only XXXX in the entire history of my credit report ). 
XXXX resolved the issue, it was corrected and updated on my new credit report which they sent to me. 
XXXX results was " historical account information was deleted from this account. '' I am not quite sure what that means since I did not receive a new credit report. 
TransUnion results state " new information below '' but nothing was changed at all. 
I would like XXXX and TransUnion to correct and update the information in the exact same way that XXXX did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I made two extra payments for {$2000.00} and {$2100.00} to my car loan ( # XXXX ) with Ally on XX/XX/XXXX and XX/XX/XXXX respectively. When the payments posted to my account Ally charged me interest for each one. 

On XX/XX/XXXX I contacted XXXX separate Ally representatives ( XXXX and XXXX ) via Ally 's account chat feature to request that the extra payments be applied to principal only. The reps said they would apply the total amounts to principal. The XXXX representatives stated that any future extra payments that I want to make to principal only can be accomplished if I make a request after the payment by phone or chat and then they would adjust the payment to apply to principal only ( chat sessions attached ). 

On XX/XX/XXXX I viewed my account to make sure Ally had applied the extra payments to principal but instead they had added XXXX confusing transactions to my account and I could not determine if the amounts were applied to principal. Furthermore, there is no itemization on my account which shows how each of the transactions affected the principal amount. 

On XX/XX/XXXX I telephoned Ally and spoke to XXXX ( refused last name ) and she avoided my question multiple times when I asked her to explain why they created the XXXX additional confusing transactions for just XXXX payment adjustments. The descriptions for the transaction types vary greatly and they make no sense considering I only asked for XXXX simple payment adjustments. They include " online payment reversal, '' " unpaid balance reduction, '' " payment for check reversed, '' and " insurance payment. '' I then noticed that one of the interest charges ( {$3.00} ), for one of the extra payments, was credited and debited 5 times but in the end it was not reversed. XXXX, contradicting what the other XXXX reps told me, said Ally only applies extra payments to future payments, applies daily interest to the extra payment, which pushes back my payment due date. XXXX said that even if I request the extra payments be applied as principal only, interest will still be charged despite what the other XXXX reps told me. 

All the above actions by Ally are just a tactic to optimize the interest they earn on car loans. Furthermore, for XXXX Ally representatives to say principal only payments can occur and a third that says they ca n't is very suspicious.

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 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Transunion ( TU ) refuses to accept complete/comprehensive disputes on XXXX alleged XXXX accounts. ( " Gold '' # XXXX and " Blue '' # XXXX ). 
1. The alleged accounts were charged off at the same time, XXXX XXXX, XXXX though XXXX, or, TU is concealing the date of the " Gold '' account willfully and purposefully. 
2. Therefore the TU " deletion drop off date ( s ) '' is, correctly XXXX/XXXX/XXXX. 
3. The FCRA indicates a seven year reporting period for alleged debts. 
4. Yet TU shows a " deletion drop off date '' of XXXX XXXX, XXXX. 
5. TU is exceeding the " deletion drop off date '' by 8 months. 
I have challenged TU and XXXX to produce evidence of these alleged debts which contradicts these facts and they have refused to supply such documentation. Therefore, in compliance with the FCRA regulations I DEMAND both parties supply documentation ( etc. ) in support of their position ( s ). 
To show the disingenuous nature of the parties involved I attach a comparison of the wide variety of deletion dates for these accounts by the XXXX major Credit Reporting Agencies who all assert they have " checked with '' XXXX to determine the " facts ''. 
I continue to assert these alleged debts are only reportable, as collectable, for a period of 6 years per Colorado statute ( authority previously provided ) which is being willfully and purposefully violated by the false representations on my credit report - which in itself, is a violation of the FCRA. ( This is a separate dispute which now moves to litigation. )

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 2015-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hard inquiry on my account that I did not authorize.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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:
First of all, the furnisher of information, the original creditor is held to the XX/XX/XXXX Credit Card Act on XXXX acct XXXX, which was finally implemented in full force and effect XX/XX/XXXX.Also the credit reporting agency AND the furnisher is held to the FCRA. 
This acct. has been verified many times with inaccurate and incomplete information by Transunion.1 ) the balance owed and charge-off amount are fraudulent.The last use of the card was for XXXX XXXX XXXX in XXXX XXXX.They were instructed not to go over the limit and were given a XXXX credit card to handle any rental extensions which did occur. 
Unbeknownst to meI was not '' opted- in '' and XXXX should not have approved the over- the- limit charge asked for by the vendor and not by me.When I returned the car to the XXXX rep. I was told " my boss made me do it '' ... .. SO I AM NOT RESPONSIBLE, I WAS DEFRAUDED BY BOTH THE VENDOR AND XXXX ... ... ..THE CREDIT REPORT DOES NOT CONTAIN A DOFD OF XX/XX/XXXX AS REQUIRED BY FCRA THE PAYMENT TABLE IS ERRONEOUS,30 DAYS LATE ON XX/XX/XXXX,60 ON XX/XX/XXXX 90 0N XX/XX/XXXX,120 ON XX/XX/XXXX AND SO ON.THE LAST PYMT MADE ( THE MINIMUM ) IN THE AMT OF XXXX DOLLARS ON XXXX/XXXX/XXXX IS MISSING.THE FEES, PENALTY FEES, LATE FEES, OVER-THE-LIMIT FEES ARE GROSSLY LEGALLY EXCESSIVE ACCORDING TO THE XX/XX/XXXX CREDIT CARD ACT AND THE RESULT OF FRAUD. I WAS NOTABLY MUCH UNDER THE XXXX DOLLAR LIMIT WHEN I HANDED MY CARD TO XXXX AND THEN WAS FRAUDULENTLY OPTED IN BY XXXX AND VENDOR AND, WITH ME NOT PRESENT, AND AGAINST MY INSTRUCTIONS, CHARGED BY THE VENDOR XXXX. I PLAN TO CONTACT THE AG OF MY STATE AND THE XXXX AFTER THIS COMPLAINT CONCLUDES.I AM DAMAGED AND RETAIN MY RIGHTS TO LITIGATE AS LONG AS THIS CARD REPORTS.

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: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This XXXX XXXX Account does not belong to me. XXXX XXXX informed me that this account was charged off my XXXX XXXX XXXX XX/XX/2008. XXXX XXXX has not provided any documents in regards to this Account.Please ask Transunion to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does 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 2015-07-08 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 disputed an item TransUnion. Their results claim that the account was verified as correct. 
The account is with XXXX XXXX XXXX XXXX. $ XXXX XXXX bal. XXXX current balance {$630.00} payments $ XXXX monthThis does not make any sense if the original balance and the current balance are the same after 3 1/2 years. This is not my account and needs to be removed from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX bank this not mine # XXXX so please remove from all XXXX reports thank you.

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 2016-03-12 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:
There are accounts in my credit file that do not belong to me and Trans Union is n't responding to my requests to investigate and remove them from my credit 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 explanation
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: CA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I would like to file a compliant against TransUnion for reporting a collection account to my name that has been paid through my insurance in full and no longer owed. Beginning on XX/XX/XXXX I began my dispute process with Transunion, which has been one of the most tormenting experiences of my life. Initially they processed my dispute and quickly claimed it was verified to me. Then, I began sending them requests to know how these items were verified when my insurance had covered the balances completely through XXXX XXXX on XX/XX/XXXX. This Item was placed in collection by accident and was never overdue or owed. Transunion only claimed that they would no longer process any more disputes or letters from me on the matter and quickly shut me down with no evidence of an investigation, no results regarding how the invalid collection was verified and no answers on who verified it and when. The collection agency refuses to speak to me and they have, on numerous occasions, hung up the telephone while I was speaking and questioning their debt claims against me. I have also filed CFPB complaints against the collection company, XXXX XXXX in XXXX California, for illegally and fraudulently reporting onto my credit file with Transunion. Under FCRA guidelines I understand that as a consumer I have rights to dispute inaccurate and invalid items as needed and that my credit file must be reported with 100 % accuracy ; and this is absolutely in violation of that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 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: MI

Complaint narrative:
Transunion had a glitch in their system that violated the rights of 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 a violation and I am requesting that ALL inquiries be 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 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) IFAXFederal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX acct : 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 2016-02-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have told Ally Financial to stop calling me at least twice in writing, which there website automatically sends me a copy of from them. They continue to call over and over and now are calling my relatives. I just want them to stop harrassing 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 2017-02-28 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 contacted TransUnion twice regarding Inquiries on my account. On XX/XX/2016 someone was trying to open XXXX different credit accounts using my information. they were XXXX. XXXX XXXX XXXX and XXXX. I 've indicated to TransUnion that I 've been a victim of identify theft and that the alleged inquiries were not mine. I contacted the creditors and was told that I needed to contact the Credit Bureau and have them remove the inquiries. Apparently, they only removed one ( XXXX ) but are refusing to remove the other XXXX that are still on my report - bringing my credit score low. These inquiries were fraud, as they all occurred on XX/XX/XXXX. I 'm tired of contacting them and getting no results.

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 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion 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 well. No notice was given which is a further violation. I am requesting that the listed 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/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 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are XXXX names on my credit report that are not my correct name. XXXX mXXXX I believe is also one. I would like all XXXX removed and replaced with XXXX a space after the XXXX and a capital XXXX. 

Thank You

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