vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, my wife and I received written acknowledgement that our IRS XXXX XXXX XXXX had been officially withdrawn. IRS Forms XXXX and XXXX " Withdrawal of Filed Notice of Federal Tax Lien after Release '' was sent to the XXXX County, XXXX Recorders Office and subsequently recorded which was verified by written notice from the XXXX County Recorder on XXXX XXXX, XXXX. My wife and I have made five ( 5 ) attempts to have the tax lien removed from our reports including two on-line disputes ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) with TransUnion which were both denied. Then a phone call on XXXX/XXXX/XXXX to inquire about the dispute directed us to send a fax with all of the aforementioned paperwork which was sent the same day with a confirmation of fax receipt to their Consumer Contact Department ( Fax # XXXX ) which they subsequently claimed was not received. We contacted TransUnion again on XXXX XXXX, XXXX and were informed that the lien would remain so we mailed in copies of all of the aforementioned documents the same day to TransUnion at XXXX XXXX XXXX, XXXX, XXXX XXXX in order to make an additional dispute request and have the item removed from both of our credit files. 

We have made similar request of XXXX who has refused to update our credit files and they remain as a negative there as well. We are currently in the process of applying for a home loan and are being told that our credit scores will result in a much higher interest rate as a result of the tax lien which should have been removed. We have no other negatives in either of our credit files for the past 10 years. 

XXXX is the only credit reporting agency which timely removed the withdrawn tax lien from both of our records. To date the disputed item remains on our report with TransUnion and 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 2016-12-28 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:
XXXX account is not supposed to be on my account. I disputed this account not mine

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 2017-01-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
Bought XXXX cars through Ally financial..payments made are not credited to the proper account or are missing completely. Attempts to rectify this are met with hang ups, or dead end emails and faxes. No one seems to want to actually be responsible.Only XXXX payments made have actually appeared on the correct account. Multiple phone calls lead no where.

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 2015-10-16 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/2014 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 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 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: FL

Complaint narrative:
I recently pulled a copy of my credit report and noticed the following information are in error, I never authorized these inquires. I sent letters to all XXXX credit bureaus and they still not delete them. 
1. XXXX XXXX - on XX/XX/XXXX 2. XXXX XXXX - on XX/XX/XXXX 3. XXXX XXXX - on XX/XX/XXXX 4. XXXX XXXX XXXX - on XX/XX/XXXX 5. XXXX XXXX - on XX/XX/XXXX 6. XXXX - on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX -on XX/XX/XXXX 9. XXXX XXXX XXXX - on XX/XX/XXXX 10. XXXX XXXX XXXX - on XX/XX/XXXX 11. XXXX XXXX XXXX - on XX/XX/XXXX 12. XXXX XXXX XXXX - on XX/XX/XXXX 13. XXXX - on XX/XX/XXXX 14. XXXX - on XX/XX/XXXX 15. XXXX - on XX/XX/XXXX 16. XXXX - on XX/XX/XXXX 17. XXXX XXXX - on XX/XX/XXXX 18. XXXX XXXX on XX/XX/XXXX 19. XXXX - on XX/XX/XXXX 20. XXXX XXXX - on XX/XX/XXXX None of them were done by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 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: IA

Complaint narrative:
I tried to obtain FREE credit report via 'www.annualcreditreport.com '. I elected to get my current report from TRANSUNION. However, when I submitted my personal information I was directed to a screen on my computer that would not let me proceed until I signed up for their 'credit score ' ( for {$1.00} ) and a membership for credit monitoring in which they would bill me monthly for this service. There was no way around this, so I was forced to request my FREE annual credit report from XXXX of the other XXXX companies. TRANSUNION is pulling a scam. Why is n't something being done about this??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed XXXX XXXX for the amount of {$320.00} & {$520.00} on my credit report as I paid the original creditor XXXX XXXX XXXX XXXX and it should have never went to collections. I contacted original creditor XXXX XXXX XXXX XXXX who had reported it to check cashing agency XXXX. Once I contacted XXXX, they agreed and had XXXX remove from my file and reinstate my check cashing privileges ( see Attached ). I contacted trans-union to have them remove from my credit report stating that I paid the original creditor and it should have never went to collection agency. Trans union sent letter stating that XXXX XXXX will not delete and says information is correct. I contacted XXXX XXXX and told them I had paid original creditor and this should be removed from my credit report. XXXX said that XXXX was the one that reported it and they were working on their behalf. I called XXXX and they sent me a letter stating it had been resolved and removed from my file. I sent letter to Trans-union and XXXX. ( see attached ) Trans-union just informed me that XXXX will not remove because it states now that trident bought it from another agency, XXXX that is not on my credit report and new to me. XXXX also sent me a letter stating that they bought this account from another agency. They are reporting false information and I have proof that the checks were paid and resolved according to XXXX. ( see attached ) I have no knowlege of another agency because the XXXX said they only report to XXXX. This trident agency is a scam because I paid these checks already and they are refusing to delete it off my file. It is not my fault if they bought an account that had already been paid for, I should not have to pay twice for there mistake!!!

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 2015-10-16 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/2014 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 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 I disputed. Being that they have gone past the 30 day mark and can not 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 manner 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 explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I co-signed on a car loan with my son and he purchased full coverage on the vehicle including gap insurance. He was involved in an accident and the car was totaled per geico insurance company. The bank was named as additional insured and at all times was kept in the loop.As you know insurance companys take time to process claims and it was taking longer than usual and the bank was not co-operating with the insurance comapny which my son should have taken care of this and he didnt. To make a long story short the insurance company paid the bank and the gap insurance company requested information from the bank which they did not to my knowledge provide to them so they may pay the balance of what the insurance company did not pay.The bank has falsely reported to the credit reporting agencies that this is a voluntary repossession which is not true or correct. They were paid in full according to the insurance company. This is affecting my credit standing.

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 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I 'm XXXX XXXX, I 've been trying to solve this problem going on a year now, since I 've filed Bankruptcy 2014 and nothing is cleared off my Credit File, I filed a Chapter XXXX and it was discharge nothing has been remove from my Credit File, all XXXX Credit Bureau keep transferring my information to each other NOT deleting, I also request to have the fraud alert remove from my Credit File and it has NOT happened, I 'm I 'm filing this complaint because I 'm getting the run around

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 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX XXXX, 2016, I checked my credit report, all of my inquires were deleted from my credit report. I logged in today and there back on there. As a result my score went down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally has reported XXXX late payments on my credit report. I paid onetime every month using their online payment system. I paid 5 days late one month and was hit with a late charge. called in and spoke with rep that stated she would waive the onetime late fee as a courtesy and to make the regular payment. The fee was never waived and rolled over for months causing it to look like i was late for 8 months. I 've spoken to several reps that stated they would remove the late payment off of my report due to the error but it has not been done yet. I know the calls are monitored and asked for a supervisor to listen to the promise by the rep but i keep getting the run around. my credit is being impacted due to a rep that lied. i made the payments but the fee that was told would be removed was not and now i am being punished due to lack of customer service and responsibility. the information being reported is incorrect.

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 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have notified Transunion of the XXXX XXXX - Acct # XXXX that is reporting on my credit file. This account is either not mine or is inaccurately statused as included in bankruptcy. Please remove this account 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 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I opened a XXXX XXXX account on XX/XX/XXXX. I fell behind in XXXX. The total amount was {$2500.00}. On XX/XX/XXXX I contacted XXXX XXXX on account # *****************.We entered a settlement agreement for {$2000.00} which was paid in two installments of {$340.00} and {$1700.00} on XX/XX/XXXX. XXXX XXXX now wants an additional {$880.00}. The new agreement supercedes the previous agreement. The balance is XXXX. Paid. I would like the credit bureas to delete the record. No payments have been reported by XXXX XXXX. I have forwarded the cancelled checks and the letter that the account is settled to no avail. Advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My wife and I were involved in a XXXX accident on XXXX XXXX, XXXX in which our leased vehicle, a XXXX XXXX XXXX was a total loss. We contacted XXXX Insurance on XXXX XXXX, XXXX after spending approximately 8 hours in the Regional Medical Center, XXXX XXXX XXXX XXXX, XXXXXXXX Phone # XXXX where my wife was treated in their Emergency Dept and released. Since that date, XXXX XXXX, XXXX, we have been in constant contact with the named insurance company and more importantly, ALLY who financed the transaction with XXXX XXXX of XXXX XXXXXXXX 
I was in contact with the insurer through a XXXX XXXX, Adjuster with XXXX Insurance in their offices at XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone # XXXX, Extension XXXX under claim # XXXX on numerous occasions up to this date, XXXX XXXX, XXXX. My complaint is this : ALLY has continually contacted me by phone as early as XXXX on Sunday Mornings and later in the same day dunning me for payment. XXXX XXXX with XXXX Insurance has stated to me, and verified the payment by ALLY on numerous phone calls they have received payment in the amount of {$22000.00} a figure that XXXX Insurance deemed the total loss value of the vehicle along with a payment I made of $ XXXX " after the accident in question '' to insure my credit rating. ALLY continues to harass me with telephone calls at least 3 times weekly where their Total Loss Department of the same company, ALLY, tells me not to send any more money -- let me interject here for a second -- I just received another phone call from ALLY while I am writing this complaint from someone named, XXXX. This is beyond comprehension. I do n't know what else to add to this complaint, I am at wits end.

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 — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Out of the XXXX major credit reporting agencies, TransUnion is the only agency that is reporting erroneous information in which I am complaining about. Report date XXXX/XXXX/15, file number XXXX, with this file number TransUnion has my report split into XXXX sections. First, it has page XXXX of XXXX, with page XXXX listing my reported name as XXXX XXXX XXXX XXXX, see my attached scan copy of my original social security card, it only has XXXX XXXX XXXX. Than, TransUnion, has a second part of the report page XXXX of XXXX, with page XXXX listing reported name as XXXX XXXX XXXX. Also, TransUnion has XXXX different reported phone numbers listed for me- most of these numbers are not even recognizable 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 non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX are accusing me of a medical debt that was paid by insurance. I was never given instruction that I would be charged, or that my insurance was not accepted, or that I would owe anything outside of what the insurance company already paid. I also have never received any written communication of any documents that I have signed regarding this and was never contacted stating that I owe any amounts of money.

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

Complaint narrative:
I have XXXX accounts reporting from XXXX XXXX XXXX ( XXXX and XXXX mortgage ). As these are not my accounts, I have an open investigation with the CFPB - case # XXXX. I have contacted XXXX, XXXX and Trans Union on several occasions to have these accounts removed, but have been refused any action. These accounts suddenly appeared on my credit reports in XX/XX/XXXX as 180 days late ( no mortgage reported since XX/XX/XXXX ). I am asking for removal of these accounts at the very least until the CFPB concludes their investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I am the co-signer on my daughter 's auto loan. She says that she is making payments although she may be slightly behind. I understand that it is affecting my credit if she is behind, but she has a decent job and she will make the payments. I just want the dozen or so calls I get per day to stop. I have no more information to give them.

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 2015-04-14 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:
There is a collection on my TransUnion report from XXXX which is not mine. I have never had XXXX service and believe this to be identity theft. I am in the process of notifying TransUnion and reporting the fraud as well as placing a security freeze, but the site is bogged down and does not work properly. I also do not believe that the site itself is as secure as it should be. In addition, when I try to request a free copy of my report, it says that I have already gotten it, and I have NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed Chapter XXXX. I received a XXXX settlement and filed a dismissal that was voluntary. They continue to show wage earner plan and this is not accurate. I have filed several disputes and still same run around. I have XXXX mortgages XXXX XXXX XXXX and XXXX XXXX as creditors. They show paid but wage earner plan this ie not accurate. I sent my HUD Settlement where the house sold and both we paid by wiring funds directly to them. They have all documents and still refuse to correct and show sold they show payments made through wage earner plan All their information is wrong and I am being affected by my score and they continue to report errouneous info.

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