vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is fraud and I have reported it to the company and debt collector and I have been ignored by both of them. I want my debts cleared and all my personal information kept private.

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 2017-02-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I informed my bank that I was having XXXX and had to pay over {$3500.00} and would not be able to make my payments until I was recovered. I called on XX/XX/2017, and after being told incorrect information several times while trying to pay {$800.00} of {$1400.00} owed, I was finally told I had to pay by XXXX which has a large fee. I asked if I could just pay the full amount on XX/XX/XXXX, they said that was fine & also said they would change my payment date from the XXXX to the XXXX. Then, they repossessed the vehicle on XX/XX/XXXX. I paid the full {$1400.00} plus {$400.00} in fees on XX/XX/XXXX - I called same day to confirm they received the XXXX. payment and to ask about the amount of fees and if my payment date was changed. On XX/XX/XXXX, I got my car back and called again because my online access to see my payment history was still cut off & I still did n't know breakdown of the repossession charges. They said payment would post soon, my payment would change to XXXX, I would get a letter with the breakdown of charges, and my online access would be restored. On XX/XX/XXXX, I got a call saying my payment was late, I said it should have been changed, they said they had no record, but the guy put in the request for the payment change on the phone, said it was granted. I asked how I would know for sure, so he gave me a confirmation number for the payment date change and said I could make the payment on the XXXX no problem. On the XXXX, they said my payment was late and I was being charged a late fee. I asked why my payment date was n't changed, they said it was only effective after I made the payment. I finally got the letter regarding the repossession fees charged in XXXX and gave a written response to the letter demanding a breakdown and receipt of the charges ( even though I had already requested one by phone ). I never received the breakdown of charges. On XX/XX/XXXX, Ally began calling me again saying my payment is late and when told about the CONFIRMATION number for the payment change, said they see nothing on file or saying that it was n't approved. My mom 's and my credit scores have dropped, I have had to pay fees that Ally Auto will not tell me what they are for or provide a breakdown despite sending me a letter quoting law which says I 'm entitled to that information. I have now paid nearly {$1000.00} in fees which Ally refuses to give an accounting for and if I do n't pay, they will repossess my vehicle again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Bank Checking Account : I recently deposited a check in my checking account on XXXX XXXX, 2016 electronically via my mobile device which was approved the following day. The funds show in my account under " current balance '' but are not available to me. I called the bank as I noticed my account was overdrafted by {$86.00} yet I just deposited a {$25000.00} check. The bank stated that the funds would not be available to me until the next 5 days as my account was flagged for frequent overdraft charges during the last 6months. However, instead of admitting this was an unfair practice, the bank instead is charging me additional overdraft fees during this period. Essentially they are blocking me from having funds available that would prevent these exact overdraft fees from being charged. This is pretty obvious to me they are exploiting a common practice in the industry which other banks were just fined for and this bank simply has just gotten away with it.

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 2017-02-26 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:
VICTIM OF INQUIRY ADD ON OF TRANSUNION. 
AND WOULD NOT REMOVE IT

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 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was informed that Trans Union had information on my credit report deleted. This information was inquiries. As to date, these inquiries are listed, therefore, Trans Union had this information re-listed on my credit report without any contact information to myself. This is a violation and, in return, these inquiries should be deleted off of my credit report on Trans Unions behalf. 

In accordance to these standards of the Fair Credit Reporting Act, Trans Union violated these standards and in effort, should have those such inquiries removed. 

Under the Fair Credit Reporting Act, Section 611, ( A ) ( 5 ) ( B ) : Requirements Relating to Reinsertion of Previously Deleted Material : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

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
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
cfpb I sent Transunion a copy of the Police report reguarding XXXX XXXX I have been asking Transunion to send the Original documents that they should have at the consumer Request But they have failed to do so Per the FCRA 609 & 611 ACT I HAVE EVERY RIGHT TO ASK FOR THIS INFORMATION BEING A VICTIM OF IDENTITY THEFT THE LAW CLEARLY STATES THAT THE REPORTING AGENCY HAS TO PROVIDE THIS INFO Transunion has totally broke the law I also ask for all information on the accounts in the previous dispute asap

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 2017-02-20 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:
Information such as 4 collections and 9 inquiries were deleted from my transunion credit profile on XXXX and were readded on XXXX. I tried disputing the incorrect info and transunion did not comply to any of my concerns 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 2016-09-07 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: NV

Complaint narrative:
I have been trying to obtain a copy of my credit report from TransUnion since XXXX of this year and I have yet to receive it. I have requested my report in writing 7 times and called them at least 2 times by phone to try to get them to update my information and send me a copy of the report. I have been unsuccessful in obtaining a disclosure of my credit information from 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 2016-04-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
After the car I had owned for ten years died I needed a new car. Went to XXXX XXXX in XXXX, Texas, on XXXX XXXX, XXXX, told the salesman I wanted a monthly note of {$200.00}. Found a car and then I was railroaded by the salesman at XXXX and Ally Financial into a nearly {$400.00} monthly car note. The salesman told me Ally was the only lender willing to give me a loan. On XXXX XXXX, I called Ally to tell them I did not want the loan. Ally 's representative told me if I did not take the loan, it would be listed on my credit record as a default on the loan. I felt trapped. How did I allow myself to get into this situation? I called the salesman at XXXX and told him I did not want the car and he told me I had to keep it for a month. Exactly one month later, I called XXXX back and the salesman no longer worked for them. I felt stuck. I had a job and so I just made the payments. I am unemployed now and can not make my car payments. I called Ally to renegotiate my loan so I can have smaller payments on XXXX XXXX, XXXX and they said I have to make MORE payments in order to reduce my monthly payments. I feel like Ally and XXXX XXXX conspired to entrap me in this endless cycle of high car payments. As an African-American I know that Ally and XXXX XXXX used my race as a way to enslave me with lies and deceit. In XXXX of XXXX I talked with XXXX regarding the lawsuit against Ally. And yes, I was listed as a victim of Ally, and the Settlement Agency was going to send me information. In XXXX of XXXX, I called the Settlement Agency and they said my information came back to them with a wrong address. Apparently, Ally forwarded the Settlement Agency an OLD address. I have been calling the Settlement Agency ever since until finally a supervisor got back to me and said the deadline had passed. I have never missed a payment with Ally. I have always personally called them when I moved. I have received monthly cay payment notices in the mail since I got the car. Funny how when it came to me being a part of this settlement, suddenly Ally provides an old address and not the address they have been sending my monthly car payment request to. I feel stupid for not doing certain things back on the day I bought the car. I should have walked away. I had no idea what I was up against. With that being said, Ally and XXXX XXXX railroaded me into this huge car note. XXXX did not do due diligence in ensuring I was included in the settlement and Ally refuses to re-negotiate a lower monthly car payment, and these are the reasons I am writing to you today : to ask for help. I have no where else to turn and I trust that this bureau investigate my situation further.

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 2016-01-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Unwanted charges and harassment and credit problems from transunion.com because of a social intelligence hacker looking for work and credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 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: NY

Complaint narrative:
credit discrimination i recently disputed XXXX debts that should have been taken off of my account, they credit bureau ( trans union ) is failing to remove the bad debts. There was XXXX creditor removed but I only received XXXX points added to an already XXXX. My credit score should not be this low because all of my debts have fallen off or have been removed. transunion is discriminating against those who either complain about their credit reports or XXXX. My credit score with equifax went up XXXX points with XXXX debtor removed. 
not sure if transunion knows the XXXX background of those they follow but this should be looked into.

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 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
A company called XXXX has reported to Transunion that they are trying to collect a bill from me. They say it is from XXXX XXXX XXXX. Several years ago when I had XXXX XXXX XXXX XXXX I had a procedure done at XXXX XXXX XXXX. It was covered under my insurance at that time. I spoke with someone at XXXX XXXX XXXX and they said they would work with my insurance company. They told me they it resolved and now several years later this XXXX pops up claiming that I owe money. Please help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 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:
Victim of Identity Theft

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 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 noticed that a credit card company reported my account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately. 

According to section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 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: NJ

Complaint narrative:
I received an email stating the investigation is complete ; however, when signing into the site I am prompted with the message : Error : XXXX-Your access to the TransUnion Online Investigation Service has expired. If you believe that information contained in your TransUnion Personal Credit Report is inaccurate and would like to request investigation or change of information, please visit www.transunion.com to learn how to submit your request by mail or by phone.

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: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
For several years I have not been able to get a FREE credit report from XXXX and Transunion. Every time I ask I get a different reason for not allowing me to see my credit report that they have on me. One of the reasons is that Transunion has false information that they will not divulge nor allow me to challange.

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

Complaint narrative:
I pulled my credit XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to TranUnion and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Credit Reports sent to potential creditors list SERIOUS DELINQUENCY. 
I have reports dating back XXXX7 years and there is no serious delinquency listed. 
I did try to call the reporting agencies, but they said there was no delinquency to dispute so nothing they could do.

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 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have noticed multiple inquiries on my credit card report even for my employment where I 've been for the past 4 years. These are fraudulent and I am requesting they be deleted immediately. There are 10 inquiries.

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 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is incorrectly reporting my XXXX XXXX XXXX account as late ; charged off. This account is PAID IN FULL. The reporting was correct and was recently erroneously changed.

Company public response: Company 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: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted my identity theft FTC affidavit along with dispute letters stating the Section 605 of the FCRA. TransUnion sent me this letter stating they ca n't do anything right now. They are required to comply with my Identity theft block within a week when a police report is submitted in addition to the identity theft block dispute letters notarized. I 've been a victim, and they are choosing not to do their job per the FCRA. I 've attached a photo of the letter they sent 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 2016-08-03 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:
Transunion has not removed a fraudulent XXXX account from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation