vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XXXX XXXX, 2016 I checked my XXXX account and had a total of XXXX hard inquiries removed from my credit report. Once again I checked my XXXX account on XXXX XXXX, 2016 and all XXXX hard inquiries were re-inserted back onto my credit report. I did not receive written notification about this re-insertion according to the FCRA section XXXX. I have been calling Transunion about this matter, and keep getting very rude individuals who barely speak english. I ask repeatedly to be transferred to a manager, or the department handling this. Each time I am told they can not transfer the call, and hang up on me. I keep getting told that there was a glitch in the system, and that they will not fix this for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I had a vehicle that was totaled in an accident. The after the insurance paid and the warranty refund was received by Ally, they filed for the Gap Insurance payment to cover the balance. I received a paid in full letter on XX/XX/2017. After that on XX/XX/2017, I received a second letter demanding {$370.00} that they said I owed as a balance. I contacted them immediately and spoke to XXXX ( ref # XXXX ) and disputed the claim - letting them know that they filed GAP and provided a paid in full letter. She agreed and said she would investigate and contact me back within 24-48 hours. No one ever called me back. In the meantime, I am purchasing a home and have a mortgage approved based on the pay off of this loan. My credit report reflected the XXXX balance but on XX/XX/2017, Ally falsely reported that I now owed {$29000.00} on this same account. I called them ( today XX/XX/2017 ) and spoke to XXXX XXXX reference # XXXX XXXX. He stated he was sorry for the issue and agreed that I did not owe Ally {$29000.00} on this or any other loan. However, he stated he would need to look into and will get back to me. He had no explanation for why XXXX did not contact me. At this point, it must be removed from my credit report or I could lose my approved mortgage loan on my new home. This is a clear violation of the FDCA. I 'm livid that they can do this to someone - especially when we cooperated fully after the car was totaled and all payments to them were timely. Please help me! I have copies of both letters from them - the paid in full and then subsequent demand - along with a copy of the portion of my credit report that shows they falsely reported an amount due on this account that is NOT due.

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 monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Yes I have filied a identity theft to the XXXX credit reporting companys. I got XXXX response to XXXX, the other XXXX have not been able to due to not getting right address from them when I call. That is my one complaint that they do not answer or report the right information. My 2nd complaint is there is a report on my husband report and they told me at the county office that the credit reporting companies hire someone to go in and get info and report back to them. They do n't look at birthday or SS to make sure they have the right person or not. They reported on my Husband when it was my Son 's debt just cause they have the same name just one is a XXXX the XXXX. They told me its our job to look at our credit report and dispute something that is not ours if we see something wrong. I told her what about our credit score? It takes your companies 3 months to fix and the damage done what

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 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX was disputed on TransUnion 's credit report. I received a new credit report XXXX " in collection ''. This bill is from XXXX XXXX XXXX & has been satisfied as of XXXX/XXXX/16. This payment has also never been listed on my credit report. I will be sending XXXX documents in the mail RE : " paid in full '' from XXXX XXXX XXXX & a copy of my money order.

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 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
unauthorized inquiries on XXXX XXXX, 2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 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:
I have dispute XXXX XXXX XXXX accounts on my credit report XXXX times, twice via online, and twice via mail. Each time I have submitted a receipt from the creditor showing that the accounts are paid in full and are to be removed from my reported. Transunion continues to say that the accounts are active collections despite documentation.

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 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX pulled my credit report on XX/XX/XXXX. 
I have had a freeze on my reports since XX/XX/XXXX. 
This company had no authority to pull my credit-I had no account with them, no business relationship, I did not apply for credit etc. 
They should have not been able to gain access to my report. 
This keeps happening despite the freeze being placed long ago and yet every time I call TU they refuse to do anything about it or to investigate.

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: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called transition and XXXX to take off hard inquiry 's off my report from XXXX XXXX 2016 I went for XXXX car loan now I have XXXX inquiries on my credit report I gave no authorization for this and I want them off of 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 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On all XXXX of my credit reports there is XXXX XXXX XXXX # XXXX which is shown in Adverse Accounts. I included this in my Bankruptcy which was filed XXXX/XXXX/15. That fact is not shown on none of the Credit Reports and I wish to change that on all 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 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently my bank XXXX XXXX XXXX check my credit report in order to give mea loan for a house and appear in the report a bankruptcy.I never declared bankruptcy

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I went to school for the year XX/XX/XXXX, in which I am listed as having a " XXXX day late '' in XX/XX/XXXX. 

My school sent letters to the CRA. There was no investigation. There was no response from anyone. Although this is not about the student loan itself, but of the investigative CRA process that never occurred, XXXX even admitted to me over the phone they see this happen " all the time '' with XXXX students, and is a computer glitch. They refused to do anything but insist I have my school send a letter documenting enrollment, I sent said letter, and the CRA never once acknowledged much more than the fraudulent listing. On multiple currencies. Since XX/XX/XXXX. This ai n't cool, bro. 

This is woefully inadequate, arbitrary, and capricious. Yet most of all, this ai n't cool, bro. I had in-school forebeafance, and the CRA 's all knew that. All list XXXX trade lines on my account. XXXX admitted it was systemic issue at XXXX. Yet again, this is a CRA investigation matter. 

So, the CRA 's know about it. And, they do n't question it. No investigation took place. This is CRA fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed with the credit burea regarding an inaccurate public record ( Bankruptcy ) being reported on my credit report. I never file for bankruptcy. I contact the BK courthouse, and they agree, they do not report to the credit agencies, and they are not responsible for inaccurate records being held at third party companies. I have also sent a copy of my dispute letter to the Transunion XXXX XXXX CEO. I never filed bankruptcy and Transunion is in violation of the Fair Credit Reporting Act 623 ( a ) ( 3 ) My next step is to file suite against Transunion, they have never verified and validated with the BK courthouse, like they claim, I know this, because the BK court house does n't communicate to the credit bureaus. They are getting information from thrid parties, which there information most of the time is not accurate.

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 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is violating Section 609 ( a ) ( 1 ) ( A ) Accounts posted on my credit report without verifications of signed consumer contracts. 
UNDER FCRA, unverified accounts must be removed unless copies of verified proof is provided.

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 2016-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
After having multiple inquiries about loan options, I received a copy of my credit report and see that my credit score has dropped severely. At no point in time has anybody representing the company with which I checked about a loan warned me about the negative impact of a simple lookup of credit. I 'm now unable to qualify for a much needed home loan, and I 'm told that it will take at least 2 years to fix this issue. My dispute is that these inquiries were not made in a fair manner and should be removed from my credit history.

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 my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
For the past several, years I have gone on line to try to obtain free report and have been unable due to not be able to enter the jungle of numbers/laters OR not seeming to get the numbers things correct such as today about XXXX to XXXX question related to XXXX and all were not related to me or my history,. they were on a mortgage and I have XXXX not since 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 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In trying to lift a credit freeze from Transunion, I submitted what I thought was a request to control that freeze process. It turns out, though, that this was a credit *monitoring and alert* service. I gave them a credit card number for payment. However, the site had nothing to do with my credit freeze, which required a separate log-in and payment schema. Then I started receiving {$20.00} charges each month from Transunion for this service. Apparently I had signed up for a trial period and the regular payments started. Exceptionally frustrating and shady.

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 2017-03-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
Timeline of Events Tuesday, XX/XX/2017 : My daughter wrecked her XXXX XXXX XXXX. 
Tuesday, XX/XX/2017 : XXXX XXXX declared the car as a total loss. 
Friday, XX/XX/2017 : The information needed to settle the claim was sent to XXXX. 
Tuesday, XX/XX/2017 : XXXX, the XXXX Insurance adjuster, contacted XXXX to request that he attempt to contact Ally Bank, due to the fact that Ally Bank had been negligent in their contact with XXXX, specifically as it concerned sending the letter of guarantee. XXXX made the call, spent a considerable amount of time on hold and being transferred, and was then cut-off. He called the main branch and was finally redirected to someone who took his complaint. That evening, at XXXX, the letter of guarantee ( attached ) was emailed to XXXX. 
Wednesday, XX/XX/2017 : XXXX XXXX contacted XXXX to alert him that the letter of guarantee was received the prior evening. The insurance adjuster, XXXX, forwarded the email to XXXX, and upon examination, XXXX observed that the net payoff that Ally stated should be remitted in order to secure the title, {$20000.00}, was much more than his records indicated. According to the document ( attached ) provided by Ally 's online account management system, the net payoff at that time was {$11000.00}. Due to the nature of both his and XXXX 's experiences with Ally, XXXX instructed XXXX not to release the funds, due to the fear instigated by the misrepresentative, possibly fraudulent, nature of this correspondence. Additionally, the issues that had been encountered in the prior weeks when trying to contact Ally Bank to secure necessary documents made XXXX wary that there would be significant delays in receiving the borrower 's proceeds. 
Thursday, XX/XX/2017 : XXXX and his wife, XXXX, who is the borrower, penned a letter ( attached ) to Ally Bank, describing their qualms with the bank 's actions. As to the present date, Ally Bank has not responded to our complaint. In the meantime, we have had to continue making payments ( attached ). Furthermore, with each day that passes, we are also incurring interest charges that we must pay. For a more detailed description of our complaints, please see the letter ( attached ) that we emailed to Ally Bank.

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 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have been receiving harassing, threatening and XXXX threats telephone calls from creditors in regards to accounts and debts I do not owe. I am a victim of identity theft. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, U.S. Department of Education

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 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Someone stole my personal information and identity to open up unauthorized and fraudulent accounts in my name. I have received harassing and threatening telephone calls and death threats from various creditors. The following accounts are unauthorized and fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX. The following inquiries are unauthorized and fraudulent : 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 explanation
Consumer complaint received 2016-05-16 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: CA

Complaint narrative:
I applied for a credit card ( XXXX XXXX ) and they denied me because my credit was unavailable from the XXXX scores. I checked my credit score on XXXX XXXX and it also said my scores where unavailable, so I 'm just wondering what is going on?

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 2017-03-19 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:
There is a unauthorized hard inquiry from XXXX on XXXX XXXX, 2017 on my transunion credit report. I 'd like it removed.

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 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.

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 2017-04-04 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Ad Astra Recovery and XXXX XXXX sent in a collection that is not mine. My SS and my daughter SS was taken. I never was verified in writing of this debt and needs to taken off the report XXXX XXXX XXXX I was called a man name XXXX XXXX stating he was coming to my home and serving me in XXXX XXXX. He used abuse language and he was coming to my home. I called the police. This is also an illegal and possible civil suit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX - {$170.00} Account was not verified as according to law, no documents were sent.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency have in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XXXX/XXXX/2016 please remove accounts 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