vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
On XX/XX/2016 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the 1st bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! We decided to just go ahead with it. When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. We thanked them for their time, and were about to walk out when they had to adjust the selling price to get us approved by the bank at the lower interest rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through 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 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Finally, received the corrected report from TransUnion dated XXXX/XXXX/16, file number XXXX, per the response from TransUnion, the authorized user accounts were supposedly removed. However, XXXX authorized user accounts exist still on the report that I am not contractually liable for- the following accounts should be removed : XXXX XXXX XXXX # XXXX authorized user- not liable for account. XXXX XXXX # XXXX authorized user- not liable for account. NXXXX # XXXX authorized user- not liable for 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 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried several times to get Transunion to remove the public record stating that I had XXXX delinquent state tax liens ( for which I do not have ), with no success. I was told that " the state has verified the information. '' However, when I contacted the XXXX of XXXX Department of Revenue, they stated that they do n't verify such information with the credit bureaus. To compound the issue, the liens that are be reported have a report date of XX/XX/XXXX, XX/XX/XXXX respectively. On my Transunion credit report it states that " liens may remain for XXXX years '', but further on my report it states that these XXXX particular liens " will not be removed until XX/XX/XXXX. '' I was directed by the XXXX Department XXXX XXXX to refer the credit bureau to the state website to verify the liens but the bureaus either refused to do so or stated that the information had been verified. Communicating with Transunion is difficult at best, but trying to get all parties involved on the same page is impossible. This seems like a simple fix but the credit bureau has made it complicated. As one can imagine this has caused considerable issues for me financially.

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 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have opened an Identity theft case with the Federal Trade Commission Case FTC - XXXX. I also have a police report ( XXXX Police department XXXX ). Both reports contains all of the details of all the fraud, identity theft and harm that has been caused to me. I have been struggling to clear the damages with friction from TransUnion. I was guided by the Federal Trade Commission to open a new case with the CFPB to resolve this matter. 

I had written the Collection Agency XXXX XXXX for an allege debt for XXXX XXXX account XXXX ... XXXX Tracking XXXX on XXXX XXXX, 2015 requesting validation for this allege account and received no response from the collection agency. It is now past 30 days and according to the FDCPA this account needs to be deleted. 

I have brought the fraud as well as this matter to TransUnion XXXX times, ( XXXX Tracking XXXX received XXXX/XXXX/15 ), ( XXXX Tracking XXXX received XXXX/XXXX/15 ) as well as ( XXXX XXXX received XX/XX/2015 ) on the lack of validation by the collection agency and requesting to delete this account from my credit file. 

TransUnion repetitively delay the process by doing an investigation and responded on report number XXXX with NEW INFORMATION BELOW. If the collection agency can not validate the account within the require 30 days, following the FDCPA it needs to be deleted from my credit file. Upon escalating this to TransUnion, and the delaying of correcting the reporting of this account, this is now a violation of the FCRA and this account needs to be deleted. 

I have been a victim of identity theft which has caused a lot of harm to me and my family. I have been trying to clear up the damages with a lot of friction from TransUnion. 



Attached : copy of the debt validation lettercopy of the debt invoice by XXXX to TranUnionTransUnion reporttracking informationpolice case reportFederal Trade Commision case

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is reporting an account an account that I had filed bankruptcy on as a collection account. XXXX XXXX XXXX report this account to all the XXXX credit report companies. Please investigate

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion updated an old account ( XXXX XXXX CR XXXX # XXXX ) that was never late to 30 days past due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I currently have a judgment from Civil court that is reporting on Transunion and XXXX. I have XXXX situations with this judgment and have disputed this information for months and I desperately, need help. First this suit was brought against me for back rent by my rental management named XXXX XXXX XXXX. I had a court date for XXXX and was told by the management office not to go because I had paid my rent in full and there was a XXXX balance. However, a default judgment was made against me because I did not go to court. I would have gone to avoid this. Secondly, this judgment was included in Bankruptcy that was filed on XXXX/XXXX/15 and has since been discharged on XXXX/XXXX/15. I have explained these XXXX situations to the credit reporting agency and the information has not been deleted. This judgment will affect my future for many years to come and it is not my fault. Please help. As of XXXX XXXX 2015 i had already paid a partial rent payment for XXXX so there is no way I was behind to have a judgement against me. I have attached copies of canceled checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 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 am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that were disputed. Since they have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- They are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 
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
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been contacting Trans Union for several months now about the XXXX that is showing on account for XXXX on my credit report. The account remarks are stating Chapter XXXX but I never filed bankruptcy. I contacted Trans Union and they sent me a letter that the remarks were not showing but they were. I even contacted the XXXX and asked them did they send this information to the bureaus and they sent a response letter stating no and often times the credit bureaus report inaccurate information and I should reach out to the governing authorities about the situation. I have the letters attached.

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

Complaint narrative:
I have disputed this problem with the XXXX major credit bureaus and they have not compliedI have a Bankruuptcy Case # XXXX and it was dismissed but the XXXX major credit bureaus will not remove this item from my report. I am seeking the assistance from the CFPB to help with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Trans Union is reporting information that was submitted with an identity theft report and police report. These fraudulent accounts/debts should no longer report on my credit file. 

If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )

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 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
i disputed this file on XXXX/XXXX/XXXX on XXXX/XXXX/XXXX the file was deleted XXXX was the original creditor.. On XXXX XXXX i requested a copy of my credit report i noticed a company call XXXX after doing some research this is the same account that was deleted on XXXX/XXXX/XXXX i have supporting documents to my claim also that i never open an account with XXXX on 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 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access ( to credit file XXXX XXXX XXXX ) has been given in writing. No validation of Debts has been given at all by XXXX XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries by XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I 'm a victim of identity theft and someone try opening up account in my name so there are a lot of inquiry on my report with TransUnion and XXXX, XXXX XXXX/XXXX/2016 I already have an account with them, XXXX XXXX/XXXX/2016 never open any account with them, XXXX XXXX and XXXX XXXX XXXX XXXX/XXXX/2016

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 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Reported date incorrect original disputed with XXXX XXXX for reporting to Trans Union Credit Agency twice XX/XX/XXXX and XX/XX/XXXX. With this reporting I was unable to obtain an apartment due to the two yr rule here in XXXX Texas and asked to pay an extra deposit of {$800.00} for an apartment. This debt was scheduled to be removed off my credit XX/XX/XXXX, then the XX/XX/XXXX date showed up and prolonged it. I do n't feel it 's fair I would like to have this debt 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 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Transunion, I disputed XXXX as my XXXX account was paid in full. Two days later, their investigation was complete with " No Change ''. Quick response, I questioned if they even checked the account. I then called Transunion and disputed it again. Result, " No Change ''. So, I contacted XXXX & faxed a document to Transunion that showed two XXXX ) " If I did not pay in full, I would be subject to collections ''. 2 ) My balance with XXXX was {$1000.00}, this same document showed {$1000.00} was paid in full. Result, " No Change ''!!! I call Transunion asking what more can I do to get this issue corrected? They proceed to tell me that I should send in more documents! I asked, " What more is there to send in when I had already sent in the receipt showing this account was paid ''? He told me it was up to XXXX to correct this issue. I asked him " Why is it that whatever XXXX XXXX says, it 's the gospel truth ''? Where are my rights as a consumer? My XXXX account was paid in full. All my payments were paid to XXXX. Once again, I was told to send more documents in. I gave up at this point. This has kept me from refinancing my car to a lower interest rate. I am so frustrated!!! Thank you for your assistance. Sincerely, 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 2016-08-15 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: MI

Complaint narrative:
This was reported to the credit agencies without an attempt to validate the debt and despite numerous attempts to get them to rectify after I was made aware of it on my report, they refuse to correct their records. 

I requested documentation to verify the debt and the documents submitted are fraudulent and do not address my issue of validation of the debt. 

The documents do not bear my signature and I did not obtain this loan. The address used is my old address and I did not live at this address when they are claiming the account was open. 

The bank account listed on these documents is not mine and the documents do not bear my signature. 

They continue to report this on my credit despite the numerous requests to validate. I am also opening up a case with Consumer Protection. 

I need this removed from credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My concern is something I do not believe this agency addresses but needs to. I have no late payments. None! I pay my credit cards off XXXX, for years. I earn in excess of $ XXXX per year. My house is almost paid for and I have another home that has no mortgage that my parents live in. I present no credit risk what so ever. My debt to income ratio should be extremely low. Yet, XXXX credit agency, Transunion, has my score at XXXX. Why? The other XXXX agencies have me as high at XXXX and I think those scores are low. As a consumer, I have no way of understanding their computation and getting an answer from those people is not possible. In no way are these agencies focused on consumer protection. That is why the cfpb exist in part. It seems to me the credit rating agencies assess risk as related to credit payment history, income, ( it should reflect total net worth ) and other factors. If I am ( including all liquid assets ) in fact debt free, why are my scores so low? This cost me money. Is this all some sort of scam? A way for lenders to charge higher interest rates to consumers that are worthy of premium rates? Is there collusion between lenders and XXXX or more credit reporting agencies? Maybe the government turns a blind eye to this? I am by no means a conspiracy theorist but the amount of money that could be generated by falsifying or intentionally degrading peoples credit scores, must be massive. I will start a lobbying effort surrounding this and demand congressional hearings to get to the bottom of this. I assure you this letter/electronic communication will be part of the record, including you, the person reading it. I hope you have the integrity to work this issue to completion including escalating this issue as is appropriate. Any other action should be considered full involvement in a cover up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I really need help because I have been disputing a few accounts on my file for a few months and I am getting no where with the bureaus. I asked for their assistance and I did not receive it. I asked for them to put a temporary fraud alert on my file and they did n't. I asked for the documents that were used to " verify '' these accounts and they did not provide them. this is my last resort and I have already consulted an attorney in regards to bringing a lawsuit against them. why are they making this so difficult to remove these inaccuracies when that is their job to make sure this stuff is actually accurate? They did not investigate these accounts and if they did, they would have the documentation to validate these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief