vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I received another letter from XXXX aka XXXX XXXX XXXX dated XXXX XXXX as to why they refuse to withdraw my request to close the account. This one has different reasons from the first letter. Nothing about accounts being open too little of time. Because they kept pulling my information without my knowledge. That includes XXXX XXXX. Nobody told me they were going the report again. I am now below average due to too many request and a freeze will be put on the account. Again there was NO reason for them to pull my credit report and change the interest rate. The letter has one credit score my other credit card has a different score which lower

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 2015-12-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I paid off and closed account with XXXX XX/XX/XXXX. TransUnion did not report but other agencies did. I contacted XXXX and they stated that they had reported paid and closed to Transunion and I would have to contact them. XXXX also sent me a letter ( attached ). The investigation by TransUnion completed on XXXX/XXXX/2015 only shows payment into XX/XX/XXXX with a balance and open status. As I had paid off the loan but XXXX still took out a payment, I had to be mailed a check. ( Statement attached )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-24 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:
The open collections notice was never received previously but all of a sudden appeared on my credit report. 
I have not received any letter or notification regarding this balance or account. 
This account is not familiar to me and I wish to find out if my social security number has been misused or subject to identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I never opened any credit card with XXXX on XXXX XXXX and did n't know it 's been charge-off in XXXX until I received a credit report today.

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 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. 

Trans Union needs to report this account as settled, closed and remove the comment about it being in dispute.

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 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Sent certified letter of acct inaccuracy for XXXX XXXX XXXX in XXXX, followed up with faxed letter in XXXX of inaccuracy. Special Handling dept verified that they had received a certified letter and the fax, but they deleted a different XXXX acct that I had sent a notice of dispute on inaccurate payment history. I explained that they had deleted the wrong acct and the one that they did delete was my account but that they payment history was inaccurate. I was then told that they had applied the certified mail letter and the fax letter to this acct. I explained that I did not send a certified letter for the acct that had the inaccurate payment history only a fax that had that acct number on it. They refused to put my account back on even though I told them that I never disputed that it was not my acct as it was and that the payment history was what was being disputed as it was wrong. They left the inaccurate XXXX acct that should have been removed and deleted my XXXX acct that had the inaccurate payment history. According to my understanding of the Fair Credit Reporting Act, their duty as a creditor/reporting agency is to accurately report on all accounts and to correct any and all mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as dictated by FCRA, and removing the inaccurate acct immediately and remedy the acct that was deleted when only the payment history should have been remedied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
We purchased a 2014 XXXX. Later in that year, the wife and I were forced to retire, due to the funding expiring ( we both worked for the XXXX ). Completely unprepared to retire, we lost our home, and had to turn the car over to a XXXX, XXXX agency. Ally Bank got {$15000.00} at auction, we paid {$16000.00}. Ally insists we owe another {$8500.00} due to 5 yr payoff. We are paying {$50.00} a month to a collection agency. I am XXXX old..my wife is XXXX. In order to eliminate that debt, would we have to declare bankruptcy?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Every attempt has been made to have XXXX accounts removed from credit files. I have been informed that creditors has no say so in where accounts are reported. In the remarks block TRANSUNION continues to comment about bankruptcy, stating " Bankruptcy dismissed '' I met with my Bankruptcy Attorney and informed him that filing for Chapter XXXX Bankruptcy would not be in my best interest. I voluntarily requested Chapter XXXX Bankruptcy be dismissed. The Bankruptcy Courts of West Virginia honored my request and dismissed this Chapter XXXX Bankruptcy prior to any conclusions. There were no lists of creditors, no amounts reported, or frequency of income provided. The Bankruptcy Courts labeled this file as void ( without any contents, empty ) .This Dismissed Chapter XXXX Bankruptcy has been remove from TRANSUNION credit files, but continues to comment on bankruptcy on XXXX accounts. Data that has been reported by TRANSUNION does not warrant accounts being reported as adverse accounts. The other credit reporting agencies shows XXXX as accounts in good standings.

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 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was in contact with Transunion today XXXX/XXXX/2015, in an attempt to dispute hard inquiries currently showing on my credit file. I spoke to Customer Service Representative by the name of XXXX. He stated that I could not dispute inquiries, because they were factual. I needed to contact the company directly in writing. I have written and spoke to creditors, on the phone, only to be told that I needed to dispute with the credit bureaus. In the meantime, the discrepancies go unresolved, because the creditors and credit bureaus are not on the same page. I then asked to speak to a supervisor. After being placed on hold several times, I was connected to XXXX who stated he was a supervisor. I explained to him what I was trying to do. He, in turn, stated the same thing as the customer service rep. I then informed him that I was told by the CFPB that I had a right to dispute inquiries directly with the Credit Bureaus, as well as, obtain documentation used in the investigation. I currently have the following inquiries to be disputed : XXXX XXXX XXXX XXXX XXXX/XXXX/2015 and XXXX/XXXX/2015 XXXX XXXX via XXXX 's XXXX XXXX XXXX XXXX/XXXX/2015 XXXX via XXXX XXXX XXXX/XXXX/2015 I could not dispute the inquiries, because both the customer service representative and supervisor refused to initiate the investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is listing an account from XXXX XXXX XXXX. I disputed the account as invalid. I owe no money to anyone. Please delete this account ASAP.

Company public response: Company 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: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am unable to access my credit report because the information I have entered to receive my credit report does not match the information that the credit bureau has for my reported information. I know for sure that my information is correct because I have only ever had one address, and I have my social security card and driver 's license in front of me. I have no debt, assets, have never taken out a loan and have never gained credit, but I am getting calls from multiple debt collection agencies and I am worried I have been the victim of fraud or identity theft, but am unable to affirm or deny my fear because I can not access 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 2015-12-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed XXXX negative items on my credit and XXXX of the items I only disputed the late payments on. Instead of investigating the late payments, TransUnion removed the entire account when that was NOT what I had asked for. In addition to that, when I asked for them to reinsert the accounts, my letters were ignored. This is my XXXX letter that i am sending them. Not only that but XXXX account was disputed in error on my end and they removed it. Once I let them know about the error, they did not reinsert the account and refused to respond to my correspondence or reinsert the item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 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: NY

Complaint narrative:
I was reviewing my TransUnion credit report online, obtained through annualcreditreport.com and then, for no apparent reason, " your account has been temporarily suspended '' came up. I was unable to view the report after that. I complained to TransUnion and proceded to get the run-around calling several different phone numbers with no success. I tried to start over again but was blocked because I had already received the report. I have been the victim of ID theft in the last week. I also saw an incorrect entry on the TransUnion report, in the brief time I had to view it, but had no luck in getting it removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



AD ASTRA REC XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$1200.00} Account Details Last Reported XXXX XXXX, XXXX XXXX XXXX AD ASTRA REC Original Creditor XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX {$1200.00} High Balance {$1200.00} Remarks XXXX Item Results Result : XXXX, XXXX XXXX XXXX XXXX. 
Dispute Reason Ownership : XXXX. 
AD ASTRA RECOVERY SERVICES XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency AD ASTRA RECOVERY SERVICES Original Creditor XXXX XXXX TX Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- XXXX. 
Balance {$0.00} High Balance {$650.00} Remarks XXXX See something wrong? 
You could dispute an error with XXXX. 
Manage Your Collections Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 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:
Multiple wrong address information..on my XXXX, Trans Union and XXXX credit files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX../..XXXX XXXX XXXX XXXX, XXXX XXXX../. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX../.. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

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

Complaint narrative:
the credit agency XXXX and Transunion are reporting a Federal Tax Lien in XXXX County showing a balance of {$33000.00}. This Tax Lien is included in our Chapter! XXXX bankruptcy and has been discharged. It is not showing in discharged in bankruptcy with a zero balance.

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 2015-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I disputed XXXX tax liens placed by the Idaho XXXX XXXX XXXX for taxes that I did not owe. This is damaging my credit tremendously. I should not have to pay the price for the Idaho XXXX XXXX XXXX overly aggressive and abusive actions. Transunions investigation left the items as accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My wallet and checking information was stolen in a home burglary. XXXX XXXX agreed to remove those late marks from my credit report due to the fact I called them and spoke with them about having to set up new accounts. The late payments are still on my report. I have never paid my bill late. The balance was also less than XXXX at the time.

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

Complaint narrative:
I noticed on my credit report that there is an address that I have never heard of or lived at ever before in my life.I do n't know if this is a mistake or if maybe someone is using my information but I would like this address removed from my credit report.

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: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My name is on a account that is my ex girlfriends account, i stopped receiving the bill and even called on this issue and could not get it resolved due to the fact it is under her name. This put a negative XXXX on my credit score and i would like to resolve this NOW.

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 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have been trying since XXXX XXXX, 2015 to get a judgment off my report. I sued the company and the court and was granted a vacate of judgment on XXXX XXXX, 2015. I notified all the bureaus at the same time. XXXX and XXXX deleted the judgment within the last week. I called and talked with Transunion and was told it takes them a long time to verify the information. I received a letter yesterday from them and told it should be cleared up by XXXX XXXX, 2015. The bureaus put the judgment on my reports 5 days after it was filed and now Transunion is telling me it takes 90 days to get it off. I am trying to qualify to purchase a home and now I am a victim of their incompetence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.

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 2015-03-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Lease is up on vehicle, I inquired about purchase option with Ally Financial. They are not recognizing the purchase option amount in my contract ( equal to residual, with no fee for purchase option ). The amount they quoted was 2,500 higher than the residual value stated on my contract.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 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: CA

Complaint narrative:
I requested my annual free credit report from TransUnion but they refused the request because there is an open dispute. Is that within the regulations?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, there is incompetent unproven sloppy blunders, concerning this ongoing issue with a criminal slumlord, that tried to scam and cheat me with worthless unrentable property. THE facts and irrefutable proof is with the City of XXXX, CA Code Inspections DEPT. Took XXXX days and XXXX visits to get this imbecile accountable. XXXX XXXX. This fraudulent and stupid blunder stating the injured party ( myself and my wife ) was evicted by a bias retired judge is criminal and punitive. I have rented XXXX years never been evicted. I do n't start now because I met XXXX trying to scam me and obvious retaliatory ( illegal ) eviction. This incompetent idiot on the bench was reported to the California assigned judges program, PLUS this disgraceful XXXX of justice is now at the California XXXX XXXX XXXX for review of incompetent jurisprudence/bias. emphasis added. I 'm sure these same sloppy blunders are in my wifes credit file also. XXXX XXXX ( ALL ) XXXX credit agencies. These are all harmful, negative blunders. Contempt without investigation is a TORT violation in california.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation