vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I am co signer of an automobile account. The payment in question was XXXX 2015. It was paid online and due to insufficient funds in the primary owner 's account, the payment was returned. I learned of this from the primary owner about 30 days after the fact. I was Never contacted by ALLY -the lien holder that this account was past due, and unpaid. If you review my credit report, I pay my debts on time. This XXXX and only delinquency has caused my credit score to drop by XXXX points. I work very hard to maintain a good score and would have gladly made this payment on time if I had been notified by the lien holder. I did not receive a letter/ phone call/email from them stating this account was past due. I dispute this delinquent report because I was not informed of its delinquency. As the second account holder, I should have been notified. I would appreciate any help you can provide to get this matter reversed. Thank you for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is a XXXX XXXX XXXX credit card on my report that is mine. This account was paid and closed in 2013. There is a balance of {$18.00} showing on my report with a past due amount of {$17.00}. I have contacted XXXX XXXX XXXX and they have said that the account is closed and there is not an outstanding balance even thou I have showed them the report. I would like to resolve this balance but have no idea how I can when XXXX XXXX XXXX insists on the phone that there is n't a balance owed. The info reported by XXXX XXXX XXXX is showing me as past due and this is having a negative effect on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
During XX/XX/XXXX-XX/XX/XXXX, my personal information was compromised. Ally financial attached an account on my credit report that is in collection and this is a fraudulent account. Ally is alleging that I made payments on said vehicle for a period of time which is a lie wherever the payments came from it was not me. They have no payment history showing I ever paid anything and I had XXXX bank account with no transactions to Ally financial. At any rate, they are claiming there is a balance due. I do not know what this balance is for. I never received any correspondence in reference to said vehicle. I have no idea where it is. This needs to be deleted from my credit report immediately as I am attempting to correct the wrongdoing. I spoke to Ally customer service who told me they have red flags in place for this type of thing. I was asked to fax over a police report and filing with the FTC which I did. I do not know why they are telling false stories and making up payment histories. They can not provide any documents in regards to this. If this were my account, I would have an idea of where the car is, what happened to it. I would like to know their method of verification. They need to delete this from my credit immediately as it is having a negative affect. I am desperately attempting to repair my life after such a stressful ordeal. Ally is flat out lying. There were never payments made by me. I have heard they have done this to other consumers in the past.

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 2017-03-13 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:
Trans union refuses to investigate XXXX credit inquires not authorized 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 2016-11-01 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:
Please see the attached documents. Trans Union has failed to show my signature on a chapter XXXX bankruptcy. I have sent XXXX good will letters to them and they have stated they have verified them. This is not correct. Under the FCRA 623 ( a ) ( 3 ) they have not investigated. I am asking that the chapter XXXX Bankruptcy be removed immediately.

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 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have not applied for any credit, but XXXX did a hard pull XXXX/XXXX/16, reducing my credit score. I 've seen several complaints about XXXX, and was advised to start my dispute here.

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 2016-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a XXXX XXXX XXXX a creditor 's validation letter to inform me about the collection they have in their office under my name. Accordingly to the FDCPA they had 30 days to respond back to me but they fail to do so. They were supposed to contact TransUnion Credit Reporting Agency in order to remove the debt from my credit report. Below are the documents I sent and the tracking 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 with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am trying to refinance my home mortgage. When my broker tried to pull the loan, there was an account from a company called Department of education ( # XXXX ) and ( # XXXX ) showing 90 days plus late on Transunion and XXXX. This account should not be late because I have made all my payments since my loan was consolidated. I called the department of education and their database has my account as current and they are not reporting me as late to the credit bureau. This should not be listed on my credit as late because I am current. I have tried to challenge this account on several occasions but was told by the department of education department representative my account is current and they are not reporting me to the credit bureau and there is nothing to update. I do not understand how an account that is current is being reported to the credit bureau

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed for Chapter XXXX Bankruptcy in 2009 and it was dismissed ( never granted ). As such, I do n't feel that it should appear on my credit report. I am badly in need of a new roof and can not qualify for a loan as long as this appears.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit reporting agency will not remove paid tax lien from credit report even though documentation states that it is " paid, satisfied, and cancelled from the record. ''

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 2016-10-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Since XX/XX/2016, I have been trying to communicate with XXXX to verify and validate my debts successfully with a contract bearing my signature and they have been unsuccessful in doing so. Note, today is XX/XX/2016 so six months have passed with only a bill statement to show. Recently, i initiated an online dispute with Transunion regarding this debt and they said that the debt was " validated ''. How has the debt been verified and validated? Under the FCRA, a contract bearing my signature has to be supplied, and XXXX does NOT have a contract with me regarding this debt.

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 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion is reporting a delinquent account that should not appear on my credit report and they have reduced my FICO and credit score based on an account that has been closed since XX/XX/XXXX which has recently shown up on my credit report as unpaid. The account shows that it was opened XX/XX/XXXX with XXXX but I have not had an account with XXXX and I do not owe them for past services. 
XXXX has billed me {$480.00} for an account they claim was opened on XX/XX/XXXX. I have not been a Direct TV customer since XX/XX/XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted DirectTV but they have not been able or willing to resolve this issue. I am asking the CFBP to exercise it 's rights and duties under the authority of the Congress and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. 

I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. 

Your prompt, thorough and corrective response is greatly appreciated and much needed, 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 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Recently XXXX inquires were removed from my credit report with Transunion as of XXXX XXXX 2016 I had XXXX inquires with a credit score of XXXX on XXXX XXXX 2016 they added XXXX inquires on my report I have not inquired recently about anything until today which should have been XXXX inquiy to XXXX. Also I filed a dispute about XXXX and the report was removed for my file as XXXX bal paid as agreed. It was just again recently added back to my account after fighting with these accounts for sometime. It has been well over 30 days the results show expired and others show that nothing was never done. I have received no notification of any kind in over XXXX days

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 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed several accounts in XXXX with Transunion and failed to receive proper update on credit report after investigation was completed. I asked for validation of debt and did not receive. I am requesting validation of debt belongs to me due to recent fraud/identity theft. If unable to provide the accounts should then be deleted from my credit file as previously requested. The accounts are listed below : XXXX XXXX- Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX- XXXX BANKRUPTCY- REF # XXXX Please ensure that debt has been validated otherwise under the FCRA please remove 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 non-monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There is a discharged Chapter XXXX Bankruptcy that is on my Transunion Credit Reports that does not belong to me. I have disputed several times with the credit Transunion and XXXX and they both verify. I have inquired to both for the verification information and they both have failed to supply this to me. After looking up the Bankruptcy that is reporting on my file, it looks like it is someone with a similar name. I have never lived, nor do I know anything about the address that is associated to the Bankruptcy. If they are using other means to verify, I need to be informed so I can show proof that this public record 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 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have XXXX paid collection accounts on my Transunion report. XXXX regarding XXXX XXXX XXXX from XXXX XXXX for {$180.00}. I submitted paid receipts to Transunion and they have not removed it from my report. They sent me a letter stating the nature of my request was illegible. I followed the Transunion customer service representatives instructions who I clearly reported the issue to over the phone and sent them the requested proof by fax. If XXXX removed it because it was closed why wo n't Transunion? 
The second case is a paid in full account with XXXX XXXX XXXX bank ( XXXX ) and their collection agency, XXXX XXXX XXXX , XXXX. The collection agency has submitted a letter to the credit bureau absolving me of this debt but Transunion still has not removed the account or reported it paid. I have proof from XXXX XXXX XXXX , XXXX absolving me of the debt stating it is paid but they still will not remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 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:
ACCOUNT IS INCORRECT JUST NEED TO PD {$100.00} 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 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX, I 'm writing because in XX/XX/XXXX, a state tax lien was removed from TransUnion, XXXX and XXXX Credit Reports. However, two weeks ago it reappeared on my TransUnion and XXXX reports. I never received any notification with TransUnion or XXXX that they were adding a State Tax Lien. I 've attached a copy of my paid state tax lien and a copy of my Experian credit report showing no Public Records on XX/XX/XXXX. I 'm requesting TransUnion remove this state tax lien because they violated the law when they did not notify me in 5 days of reinserting tax lien.

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 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Disputed final bill amount with XXXX XXXX, for a service activated in XXXX 2015 and cancelled at the end of XXXX 2015 for not providing the services that were promised. This was simply 'bait and switch ' tactic!! 
Contacted XXXX on social media to settle the account. Also sent email to technician that set up the account. XXXX sent a general response but no follow up. 
Supplied evidence to XXXX collection agency on XXXX XXXX with email/ complaint on social media etc. advising them the account was in dispute. 
Supplied evidence of dispute to XXXX collection agency on XXXX XXXX. Agreeing to pay what I considered a fair amount for services used. That was rejected. 
This is unfair and I should not be penalized for services not provided. I am still willing to resolve this matter. I will not pay for the services not provided to me. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have closed accounts still on my report hard inquiries on my report that I did not approve. I want them removed immediately I have contacted all XXXX credit places no responses from any of them

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: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Law Office of Charles G. McCarthy Jr. & Assoc.
State: SC

Complaint narrative:
The office of Charles G McCarthy collections agency representative XXXX XXXX has called on numerous occasions advising I owe a debt to XXXX XXXX. I sent a letter of cancellation 30 days notice by mail as advised by contract to the gym but he said if it was not signed for it is not legal. He has threaten me on several occasions with saying it was an attorney. He called my daughters phone and when she called the number back and said she was not me he call her a lair and she advised that she would called the police. I am going to send a certified letter to the company and advised them to stop contacting me. I have the voice mail and taped conversations where he tried to intimidate me on the phone. This I feel is unfair practices on the debt collections agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion indicates I have a late payment that supposedly occurred 5 months ago, but that is not true. I have disputed other credit reporting issues recently, and it was only after I did so that my credit score dropped dramatically for no apparent reason. I would like Transunion to provide proof as to which particular account ( accounts ) I paid late within the past 12 months.

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 2016-10-13 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I borrowed a short term loan in 2015 from XXXX XXXX in the amount of XXXX. I made payments of {$140.00} every 2 weeks for almost a year for a total of {$2100.00}. It turns out NONE of the fees went to pay down the loan or toward interest and it just turned into one long vicious cycle. Now they are harassing me sending threatening emails trying to make me lose my job. They say in the emails that a court case was filed but the court said none existed. I received a text from them recently that said be at my house at XXXX to be served papers. No one came to my house. I am very frightened of their tactics and not sure if they are sending someone to threaten me in person. Then I received two letters from a couple weeks apart with one backdated to XX/XX/XXXX and another dated XX/XX/XXXX. The XX/XX/XXXX letter references a letter a never received and the XXXX said I had run out of time to validate the debt which is a violation of the 30 days allowed under FDCPA Section 809. I think they have done this as a form of harassment. I feel as if they are loan sharks capable of doing whatever they want to me.

Company response to consumer: Closed with explanation