vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I contacted Transunion Regarding negative inquiries and they refused to help me were very passive and short. Not helpful at all and this was not resolved. I contacted them regarding the following negative inquiries : -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XX/XX/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 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
We did a refi with XXXX on XX/XX/2015 did the closing on XX/XX/XXXX and it did not get to our old mortgage co until XX/XX/XXXX.now the old mortgage.co is reporting us 30 days late for our XX/XX/XXXX payment.I have talked to everyone and no help, everybody at the time assured us that it would be there on time.We have never been late and my husband is a XXXX on XXXX and turning XXXX this coming year .can you please help

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 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a State tax liens that have been paid and filed as released. I want it removed from my public record. 
Ref number XXXX Filed XXXX XXXX, XXXX, XXXX XXXX XXXX Released Amount {$3500.00} Contact details XXXX XXXX County RECOR XXXX, CA 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 2015-11-16 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I am disputing the estimate for 2015 property taxes from Ally Financial on a leased vehicle. I have contacted the XXXX XXXX XXXX MO tax office and they do not agree with the 2015 estimate that Ally has provided me. Additionally, these funds have not been paid yet by Ally to XXXX XXXX XXXX. So not only is Ally attempting to collect an incorrect estimate, they are attempting to collect a debt that they have not incurred on their end and they are not contractually allowed to collect. I have disputed this in writing, yet they continue to call my cell and office number.

Company public response: Company 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: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Inquires were removed and re-inserted without any notice or reasoning : 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 explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All XXXX agencies are still reporting this entry that was once included in abankruptcy case in XX/XX/XXXX-XX/XX/XXXX. This account is beyond the time limitation. 
Furthermore it was sold to another creditor and now in and good standing. 
This account should be deleted because of this is the same account since XX/XX/XXXX. The XXXX XXXX XXXX. XXXX. I am now with another companytrying to pay my loan and they also have negative entry to the account. Ihave disputed this account with Experian, XXXX and XXXXover a year about this entry but they refuse to delete this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was a vcitim of the trans Union Inquiry issue. I contacted customer service and they would not help me delete my inquiries which are 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 2015-04-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
This complaint concerns XXXX XXXX XXXX Trans-Union credit bureau 's limitation of customer access to telephone calls ; and XXXX XXXX XXXX billing I did not authorize. 

There is no e-mail capability, secure or otherwise, or mailing address for letters. 

Although Trans-Union offers XXXX or XXXX toll-free telephone numbers, I am overseas and when dialed from here XXXX toll-free numbers are not free, but are billed at international commercial rates. 

When I opened a Trans-Union account on XXXX XXXX 2015 to obtain a copy of my credit report, engage a credit lock an establish credit monitoring, I was obliged to telephone Trans-Union at considerable expense to me to overcome password problems and activate the account. Given my overseas location I requested a collect-call telephone number, but was told in knee-jerk fashion to use the toll-free numbers. 

When I asked for an e-mail address I was told none is available. 

When I asked for a mailing address I was told again to use the toll-free numbers -- I found that failure to pay attention appalling and the demonstrated overall mindless inflexibility inexcusable. 

The restricted access is now an acute problem. That 's because I found that on XXXX XXXX 2015 Trans-Union charged my credit card {$17.00} for a product called " transition from TU alerts to XXXX alerts. '' I have no memory or record of authorizing purchase of " transition from TU alerts to XXXX alerts. '' I should be able to contact Trans-Union at no expense to me, just as U.S.-based customers do, to discuss and hopefully resolve the questionable charge. 

I would appreciate any assistance you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I am asking for your assistance with this matter of relinquishing me from this loan for this leased vehicle. 
Please understand, I was coerced in this process. Being in an abusive situation for four years I did n't have any rights or choices for myself. There was no option for me to say no I am not co- signing, I chose to LIVE as the option when I signed my name. Now that I 'm free from my abuser I still am unfortunately binded in a situation with coerced debt. I have never driven the car, do not have a key, the car is not in my possession, I ca n't make any transactions with XXXX XXXX, collaborate or consult with him, because I fear for my life. 
I would like my name to removed from the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My XXXX XXXX account is showing 41 % credit utilization there is less than 10 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 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:
I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : 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 explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I want that charge off amount of {$300.00} to be taken off of my account with XXXX XXXX. I have paid up in full my monies due from the balance due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have sent letters to all XXXX credit reporting company regarding a bankruptcy that is listing on my report. all XXXX as saying that they have verified this but after contracting the bankruptcy court the stated that they do not report, nor with they verify any inquiries regarding bankruptcy due to privacy. since this ca n't be verified i want it to be removed from all XXXX credit reporting companies, transunion, XXXX, and 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 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
AES/SUNTRUST # XXXX Date Opened : XXXX/XXXX/XXXX Date Closed : XXXX/XXXX/XXXX Original Loan Amount : {$4000.00} I was in a FORBEARANCE from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. 
As of XXXX XXXX I had the loan payments deferred. There is no way that this account should be reporting as 60-120 days past due. This incorrect reporting has a negative impact on my credit and I 'd like this incorrect reporting corrected. They are also reporting this account with a current status of paid/current when in fact the account is PAID/CLOSED as of XXXX/XXXX/XXXX This account needs to be corrected and updated immediately Current reporting by Transunion XXXX status : paid as agreed/current ( the account was PAID/CLOSED on XXXX/XXXX/XXXX XXXX XXXX ok XX/XX/XXXX 60 days ( how did it jump from ok/current to 60 days in 1 month? ) - I was in Forbearance XX/XX/XXXX 90 days - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance

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 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to ... " promptly delete all information that can not be verified '' that I have disputed. Please resolve this matter as soon as possible.

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 2015-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have like XXXX or XXXX credit cards on my credit report that when I applied the terms where unclear so I cut them up and never used them now they are trying to use up front fee 's as a balance that I owe even thou as soon as I received the cards I called them and canceled them and never used them for instance a XXXX card that when I received they had already charged the card XXXX for processing fees I canceled them as soon as I got them and read the terms now they are adding interest and making derogatory marks on my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I attempted to go through the dispute process with Transunion regarding an erroneous item on my credit report allegedly involving XXXX XXXX. The amount being claimed is {$2500.00}. This item originally was brought by XXXX XXXX XXXX. I complained. I subsequently tried to have my credit cleared. It was then pursued by XXXX XXXX XXXX XXXX after I went through the TransUnion dispute process. The only cellular phone services I ever used were XXXX XXXX and my current carrier, XXXX. I never had a XXXX account. I am also concerned about the fact that the item appears as " open '' anew once a new collection firm acquires the matter. This is very unfair. I feel that as a consumer, I am being abused by TransUnion. They conduct themselves in a manner that is biased against the consumer and favorable to corporate interests. In this instance, it is harder for a consumer to get an erroneous matter off of a credit report than it is for the private entity to place an erroneous item on a consumer 's report. I kindly request help with this matter.

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 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have asked several times that they send me documentation proving that account belongs to me and they have not. Signatures/dob/ etc

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing as a last ditch effort to gain some assistance and hopefully you will be receptive to my issue. I am in the process of purchasing my first home. I have a serious barrier that I am facing which are XXXX Paid/Release Georgia State Income Tax Liens on my credit report. When I first received these liens I was XXXX years old and going through a divorce which caused me to suffer financially as I was also attending XXXX at XXXX XXXX at the time, while working full-time as well. Since then I have been working hard by myself to repair the damage this divorce caused me so that I can purchase my first home on my own. Georgia, unlike the IRS XXXX XXXX Program and several other state agencies, does not have a process for withdrawing paid state tax liens from individuals credit and will also not withdraw/expunge the paid tax liens based off goodwill. Rather, even though they are paid and uncontested, they remain punitive towards myself. Even though I am a first time home-buyer, due to my single status with no children and my income I am ineligible for any down payment assistance programs. So any help to improve my credit score is extremely appreciated so that I can qualify for a good mortgage program with my credit union and receive a good interest rate. I am writing in hopes that your office can help me along with other individuals who face this same issue. Georgia State Tax lien laws are very archaic in nature and really need to be reviewed. I have taken this up with several state agencies in Georgia along with my local representative who never responded to me. Paid tax liens should not continue to be punitive in nature as so many thing rely on credit these days and circumstances vary extensively. I thank you in advance for your time. Below I have provided the Book numbers for the tax liens I am referring to. Also attached showing they are reporting on all three of the major credit bureaus and the paid and released tax liens. 

XXXX has already agreed to and completely removed these items from my credit report ( seen attached from my most recent credit report. ) 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 2016-10-29 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:
I have disputed the information to Trans Union and have requested the method of verification and Trans Union has never submitted the information regarding how and whom they spoke with to determine how the inaccurate / erroneous information was verified. I understand that they had 15 days to verify stating that I made a last payment XX/XX/XXXX Trans Union has verified this inaccurate / erroneous information and then have ignored my requests for the method of verification as provided under the Fair Credit Reaporting Act.This inaccurate INFORMATION SHOULD BE REMOVED FROM MY CREDIT REPORT 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 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Reviewing my credit report, I found that I have an account for collection from some agency. The original debt was from XXXX XXXX XXXX for {$87.00} and was posted for collection on my credit report on XXXX XXXX, 2015. I 've never done any business with XXXX XXXX and called them to inquire about this, they helped me out looking for any account opened in my name for the past year and they did n't find anything. I do n't know what else to do because I want to clean that bad report from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I co signed a car loan with my husband XXXX XXXX. He died XXXX XXXX they had repossessed the vehicle XXXX XXXX we both get a cancellation of that for XXXX that 's what we owed on the vehicle. if we were to file that it would be XXXX. i thought they were supposed to sell the vehicle and we would be responsible for the remaining balance, i sent XXXX of the XXXX 's but i could n't find the other XXXX in the same amount to 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 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX under transunion has stated I owe money to " XXXX '' for a total of XXXX, that is not the name of my health provider, and I have insurance that covers my entire doctor visits and prescriptions, and all the company info that has been posted in my credit report is n't correct at all

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Last year we had an issue with Transunion not updating loan information. I disputed it and finally had to file a complaint with Consumer Finance. The issue was corrected, however, it is a joint account and we have noticed that the information did not get corrected on my husband 's Transunion report. I 've contacted both, Transunion as well as the bank. Transunion stated that they did n't change information on reports and the bank stated that the information being reported correctly on mine is the same information being reported on my husband 's 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