vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Per attached XX/XX/XXXX Transunion confirmation-File # XXXX, my credit File had an Extended Security Freeze with assigned PIN ( applies to all XXXX Bureaus ). XX/XX/XXXX I requested annual credit report and XX/XX/XXXX Transunion responded they had already provided to me. Transunion has 1 ) requested {$11.00} fee from me, which I do not owe since I never got my annual credit report, 2 ) violated my privacy releasing my ENTIRE credit report to an UNKNOWN PARTY without A ) ANY SECURITY FREEZE verification B ) not to MY ONLY VALID MAILING ADDRESS C ) nor to MY VALID EMAIL 3 ) Could be fraudulent reflecting data but unable to determine until I have my transunion report. At a minimum, I will require Lifetime Free Credit Monitoring be provided as I have police reports, etc. filed with XX/XX/XXXX letter ( all documents sent cert/return receipt. ) This is totally unacceptable and you can not speak to a human being regarding dispute & /or potential Fraud. How can this be ACCEPTABLE. 


, 3 ) violated Privacy and, which they had not. Transunion DID NOT follow their Security Freeze protocols and breached my privacy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 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 recently made a complaint to cfbt and was unable to login to see the response from the credit agency. However, Since then, the agency has taken steps to even further damage my credit score. I have done everything in my power to correct my past mistakes and continue to build a respectable history. I feel as though this agency, Transunion and its employees or reps are incorrectly reporting and I would go as far to say taking retaliatory actions on my report as they have once again lowered my score by XXXX points. My score now is even lower than it was when I initially began to attempt any corrections last year. I have retained a malpractice attorney and we are in process of a civil suit. I 'm not certain as to what this site does to attempt to help and protect the consumer because nothing positive has happened since I have taken the time to reach out for assistance. I am writing once again to make certain I have record of every single action this agency has taken as well as snap shots of every time this agency has negatively impacted my credit with no cause. Every action all showing the same drop in score from XXXX points per change. Please note once again that I have increased by credit line, paid all payments on time the last 9 months, paid off XXXX debt collection ( I have XXXX at the moment. ) All of these positive steps I have taken Clearly should have increase my score, it is plain as day to see it is retaliatory action.

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 2015-07-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
To Whom it May Concern, Enclosed is documentation regarding our dispute with Ally Bank. We had a 36 month lease agreement with Ally on automatic bill pay with our bank. Ally bank took {$99.00} out of our account for the last payment so we assumed that was the balance due. Then we got a bill claiming the balance due plus late fees which we paid. We tried to get them to waive the late fee. They refused. Then we received a bill for the XXXX ding in the windshield. We asked them for a receipt as our insurance company said they would pay it. They refused to give us a bill. Now they are adding late fees to the billAttached is the documentation. 
Thank you for any help you can give us, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I would like the words " Account in Dispute '' removed from all accounts on my credit reports from the XXXX credit bureaus where it 's listed. I am not disputing any accounts listed on my credit reports as of this writing.

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 2015-06-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have asked Trans union to remove this account for numerous reasons. Number XXXX, my social security is the account number. Number XXXX this same account is listed XXXX times on this credit agency and since XX/XX/XXXX. It needs to be removed. Please help me with this. 

XXXX # XXXX IXXXX XXXX, WI XXXX ( XXXX ) XXXXXXXXDate Opened : XXXX/XXXX/XXXXResponsibility : Individual AccountAccount Type : Installment AccountLoan Type : STUDENT LOANBalance : $ XXXXDate Updated : XXXX/XXXX/XXXXPayment Received : $ XXXXHigh Balance : $ XXXXXXXXPay Status : Current ; Paid or Paying as AgreedTerms : {$140.00} per month, paid MonthlyDate Closed : XXXX/XXXX/XXXX & gt ; Maximum Delinquency of 120 days in XXXX for {$980.00} and in XXXX for {$1000.00} & lt ; Remarks : TRANSFERRED TO ANOTHER OFFICEXXXX have asked for method of verification and never recieved. I will relieve this complaint if they remove this inaccurate entry. They have been very helpful in the past. Please ask them to help with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
This company sold or transferred auto loan to another company

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 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the FEDAL FAIR CREDIT REPORTING ACT consumer reporting agency may not report negative information that is more than seven years old from the fist date of that account being late.According to credit report file from XXXX/XXXX/XXXX and credit report file from XXXX/XXXX/XXXX show that the items is do for deletion

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 2017-02-08 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 NYS Department of Education has XXXX loans on my credit report. XXXX of the loans are correct and are mine but then the XXXX is for {$13000.00} and I never took out a student loan for {$13000.00}. And the XXXX loans I did receive were dismissed by the loan forgiveness program. The student loan for {$13000.00} is not mine and is on 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 2015-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Synergetic Communication Inc
State: PA

Complaint narrative:
I continued to be called incessantly and at all hours by various representatives of " Synergetic Communication, Inc '' with a " Settlement Offer '' of {$410.00} on a " Current Balance '' of {$740.00} with XXXX. I do NOT owe XXXX, " Synergetic Communication, Inc '' nor anyone connected with either firm ANYTHING!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Commercial Services, Inc
State: NC

Complaint narrative:
In XXXX I was the owner of a 1996 Jeep Cherokee. In XX/XX/XXXX my daughter totaled the vehicle and XXXX my insurance company paid full claim on the vehicle. I then purchased the vehicle totaled back from my insurance company for {$600.00}. 
The vehicle was sold to a XXXX XXXX, I signed the title over to him and removed my lic. tag from the vehicle. 
I was contacted in XXXX XXXX by a National Commercial Services , Inc., XXXX XXXX, stating that I owned {$3900.00} and if I did n't pay it my drivers license would be revoked, I would have a claim against my credit report and I would be sued. I informed XXXX XXXX that I did n't own the Jeep in XXXX. I had sold it way before that. He said he did n't care, that I was listed on the police report in XXXX XXXX NC and that I needed to pay. That the vehicle had hit another vehicle in the rear and the driver was XXXX XXXX, I was the owner. I again explained that was n't true. XXXX XXXX has harassed me, yelled at me in front of my employees at my bank on the phone and wo n't stop calling me. He says he is representing XXXX XXXX. I have tracked down XXXX XXXX and verified that she had the accident, was n't insured and that XXXX covered the claims because the woman she hit had XXXX. XXXX stated that she has been making payments on this same amount to National Commercial Services for six months. However they are trying to get the funds from both of us at the same time. 
I have lost time at work, personal time and have been harassed by this company. I have spoken to XXXX multiple times with no assistance. I have called the XXXX XXXX Police who stated that the info on the police report may have come from a old registration card in the car. The tag on the vehicle report was my old tag that I had long returned to DMV. 
Today at XXXX I was told my XXXX XXXX that they would remove my name from this claim because they talked to XXXX XXXX who took responsibility and said that the car was not mine but was titled in her name at the time of the wreck. Then at XXXX he called saying that XXXX would not allow him to remove my name. 
What I do n't understand is that the lady hit by the jeep was covered by uninsured motorist and it paid the claim. The claim is done and paid ... .who has the right to harass myself or XXXX XXXX for payment. 
The police report clearly states that the hit was at less than XXXX and that there was NO damage to either car. YET the people in the car hit has made claims of XXXX and XXXX of dollars for medical cost. 
I feel that there is fraud being committed here in many directions and I want this stopped. 
I should not have to take my time away from my job and family to get out of this ... it was not my car, not my wreck and not my fault. 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 2015-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Norwich Commercial Group, Inc.
State: CT

Complaint narrative:
I have had the same mortgage payment since purchasing my home in XX/XX/XXXX. In XX/XX/XXXX I received a mortgage payment statement increasing my payment by about {$300.00}. When I attempted to call the lender it took three days to get in touch with anyone. Finally I was notified by the lender that I was sent an escrow analysis ( which I did not receive by mail ) and they have found there was an error made and for the past two years they have been not charging me enough PMI and now I owe the difference for the past two years, therefore significantly increasing my monthly payment. I can understand small increases due to insurance or taxes, but because of an " error somewhere '' I am now unable to afford my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-26 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:
I requested TransUnion to investigate XXXX XXXX XXXX XXXX negative tradelines that have been reported on my credit report I reported that these tradelines do not belong to me. I sent a Dispute and Validation letter to the creditors listing the discharged debt on my credit report and filed dispute with TransUnion thirty days later in XXXX XXXX, 2016. 

I contended to TransUnion during my dispute that they morphed or duplicated negative credit information with a stranger who shares a similar social security number or surnames stating that they mixed the information of persons with the same last name and similar first names, and combined or mixing the credit files of persons with similar names living in the same city or zip code. 

I demanded full and detailed results of TransUnion 's investigation, including information on how they contacted the creditors listed in my disputed and a copy of their responses to TransUnion 's inquiries. I received neither, which is a violation under FCRA 623 ( a ) ( 1 ) ( A ) and under FCRA 623 ( a ) ( 1 ) ( C ).

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 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11 ''. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry 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 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: WA

Complaint narrative:
I was the victim of identity theft and started the path to both block the fraudulent information and correct it by alerting the Credit reporting agencies, Transunion being one of these agencies. 
I followed the Credit reporting agencies requirements ( Police report, affidavit, outline of data the result of identity theft, Identification ) to make this happen and the TransUnion Credit reporting agency has not followed the law. As a result, I am still suffering the effects of documented and filed identity theft against me that is being furthered by Transunion not adhering to the protections afforded me in this situation. I 've done everything they 've asked and provided all the documentation and they still have not blocked the fraudulent information from my credit file. 

Below is part of the copy of the letter I sent to them outlining my rights and their obligations under the law. In spite of all the documentation they requested that I sent, they had not and still have not blocked this information. 
Blocking Bad Credit Information from Credit Reports The law ( RCW 19.182.160 ) also provides a civil remedy for consumers. Under the law, a victim of identity theft can block any adverse credit reports resulting from the crime by filing the police report of the crime with the credit-reporting agency and supplying the agency with other proof of identification similar to those above. Provisions are made for denial and removal of the block in cases of fraud or error. The effect is that the victim 's credit record is restored to reflect only the victim 's true credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 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: OH

Complaint narrative:
These company 's make it to difficult to obtain a credit report with the questions they ask

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I HAVE A FRAUD ALERT ON ALL MY CREDIT REPORTS THAT INDICATES AND ALERTS CREDITORS TO CONTACT ME TO VERIFY MY IDENTITY BEFORE CONSIDERING, OPENING OR ESTABLISHING AN ACCOUNT IN MY NAME. I HAVE EXCELLENT CREDIT, HAVE {$00.00} BALANCES OWING, HAVE NOT USED MY CREDIT IN OVER 15 YEARS AND EARN WELL OVER $ XXXX OR MORE PER YEAR WITH VERY HIGH FICO SCORES OF XXXX, XXXX AND XXXX. XXXX BANK DELAWARE COMPLETELY IGNORED MY FRAUD ALERTS ON MY CREDIT REPORTS, ACCESSED MY TRANSUNION, CONTINUED TO ADVISE ME THAT THEY DID NOT HAVE AN APPLICATION FOR ME IN MY NAME FOR THEM TO DO NOTHING BUT SEND ME A DECLINATION LETTER 30 DAYS LATER SAYING THAT I DID NOT HAVE ENOUGH CREDIT WHEN I ACTUALLY DID. XXXX XXXX COMPLETELY VIOLATED MY CIVIL RIGHTS WHEN THEY REVIEWED AND PULLED MY TRANSUNION CREDIT REPORT. I EITHER WANT THE CREDIT CARD I APPLIED FOR AND THE INQUIRY DELETED OR I WILL BE CONTINUING TO REPORT XXXX XXXX FOR THEIR FAILURE TO COMPLY TO THE FRAUD ALERT POSTED ON MY CREDIT CARD. XXXX XXXX WAS OBLIGATED TO CALL ME TO VERIFY MY IDENTITY AND ASK SECURITY QUESTIONS AT LEAST ; AND INSTEAD THEY IGNORED THE FRAUD ALERT AND DECLINED ME PERIOD WITH POOR EXCUSES FOR DECLINATION GENERATED FROM A COMPUTER INSTEAD OF A HUMAN BEING TAKING A LOOK AT THE APPLICATION AND MY CREDIT REPORTS INSTEAD OF JUST TRANSUNION 'S CREDIT REPORT ALONE. 

I DID NOT DESERVE TO BE TREATED THIS WAY, IT 'S NOT PROFESSIONAL AND THE APPLICATION PROCESS AT XXXX IS NOTHING BUT A FLUKE AND NEEDS TO BE REVAMPED OR INVESTIGATED BECAUSE IT IS NOT AN ACCURATE PROCESSING VESSLE. I AM APOLLED AT THE MANNER IN WHICH XXXX XXXX DECLINED ME AND VIOLATED MY CIVIL RIGHTS WITH MY FRAUD ALERT ; AND I MAKING COMPLAINTS TO WAKE XXXX XXXX UP IN GENERAL SO THAT THEY CAN SEE THAT THEY MADE A MISTAKE IN THE MANNER IN WHICH MY APPLICATION WAS PROCESSED AND DECLINED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have called Transunion credit agency and asked why is my credit score so much lower than the XXXX other agencies. I was explained to by a Transunion Rep " that they are allowed to use a different scoring system than XXXX or XXXX ''. Transunion credit score is always lower therefore causing me to pay more for items I chose to purchase. 
Why is Transunion allowed to score much lower and different? Most creditors use Transunion for credit in my dealing. I asked if I could close my file with them the Rep said no. I paid over XXXX for my credit score back in XXXX 2016. I have not receive 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 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion 's initial web page does not provide a way to obtain a free credit report. Instead it provides a free credit score and a credit report for {$1.00}. You have to create an account with them in order to get either. Both are part of a 7 day trail. After 7 days you have to pay {$17.00} a month for their monitoring service. You can cancel within the 7 day trial period. This TransUnion web page came up on the www.freecreditreport.com site. I have no idea how to get my free credit report from this company. I do not feel I should be required to create an account with them in order to get my report. The other reporting companies do not require this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 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: NM

Complaint narrative:
I have been trying to receive my credit report and credit score for the past two years and all I receive is statements saying I am not the person or incorrect information. I have been denied my report from all XXXX credit bureaus and am confused on why.I have had my drivers license suspended and other issues I have reported and everyone does n't believe I am me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX My credit score has been effected by a XXXX card never issued to me. I was buying tires and needed them immediately. Considered opening an account but found out I would not receive the money on my purchase for 2 weeks, so I cancelled the transaction to receive the card. Brought my credit score below excellent!!

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