vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
My bank is charging overdraft fees on the exact same days that they are posting my deposits on my account. I DO NOT HAVE NEGATIVE BALANCES ON MY ACCOUNT. I called and complained to the bank representative about this issue. He CONFIRMED that the bank was charging overdraft fees on the days that they post my direct deposits. KNOWING THIS, he refused to refund the fees.

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 2015-09-22 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 some accounts on my credit report that are not mines. I can not dispute online per Trans union. Trans union is not questioning these accounts just saying they are mines. I have a lot of inquiries I have disputed they wont remove but yet put a fraud alert on credit report. 
Account XXXX XXXX, shows on credit report as a charge off not XXXX but XXXX. Both accounts should be deleted. Both are wrong. 
Account XXXX XXXX XXXX, opened in 2006 should have been deleted due to age of account more than 8 years old and information is incorrect. This account was deleted by XXXX. 
Account XXXX XXXX, this is not my account. 
Account XXXX XXXX, account on this report should be deleted. I have a XXXX for them. ( attached ) Account XXXX XXXX, This account is paid in full not a charge off. 
Account XXXX XXXX XXXX, account not mines and has been deleted by XXXX .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 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:
Transunion has ignored my request to provide me with the documents that their company has on file that was used to validate and verify the accuracy of the payment history on the accounts that I disputed. Since this has been in dispute since XXXX, well past the 30 days permitted and they can not verify the accuracy of their reporting they are required to " ... promptly delete all information which can not be verified '' per FCRA Section 611 ( XXXX ) ( A ). Please resolve this matter immediately. Thanks in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union says even tho bills are paid and court has dismissed the bankruptcy/chp.XXXX. Trans Union has to report the Bankruptcy for the next seven years. Which keeps me from borrowing money or opening new accts. This is false information and against my civil rights. 
I dropped the chp.XXXX and opted to pay off bills instead of continuing the bankruptcy, but Trans Union says it must state that I am still in Bankruptcy. Help Me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
On XX/XX/2013 I took out a payday loan for {$4800.00}. This company is reporting {$5300.00} on my credit report. This account is in a collection agency. 
How can the report an incorrect amount? Under the Fair debt reporting act they are in violation and should delete this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX Transunion Consumer Relations XXXX XXXX XXXX XXXX, XXXX XXXX File # XXXX SSN # XXXX RE : Reappearing Removed item XXXX XXXX Account # XXXX Past due 30 days XX/XX/XXXX has been removed since XX/XX/XXXX ( Credit Report attached ) and XX/XX/XXXX again reappearing as a adverse account. ( Credit Report attached ) Please be good enough to removed that item as soon as possible Thanks XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
1. My address has no apartment # XXXX XXXX XXXX is all. 
2. I have never resided in XXXX, NJ. Please remove this. It was ex husband 's address who has been deceased for 14 years. 
Thank you for your attention to these corrections. 

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 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Be advised that this is the third time I have filed this report and at present received no answer also so you have a problem with your system just last week i talked with XXXX your reps she was going to file for me and I was to send additional items thru the mail which i did heard nothing so i called could not get to my account, after talking with her we quitand i proceeded to try again final got thru to my account and what was there was XX/XX/XXXXnothing new including what was sent thru the mail and to top that off i was told that you allwould send me tracking numbers that never happened so again I will explain what i sent, all XXXX Credit bureaus are reporting what was filed under BK instead of reporting BKwhich we were under the impression that BK was to be the only thing reported instead they are reporting what occurred before BK I have talked with them sent letters to no availthey dont give a XXXX about customers, Having been a Federal Officers and and XXXX Speclist for over 37 years Im beginning to think that CFPB is a joke so what doyou think Im sending this this date of XXXX hoping that somweone in your offices see the light and do some processing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I cancelled my membership with XXXX who changed name to XXXX. My account was closed when it was XXXX and I do not owe a balance. I require the account to be removed completely 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 2015-09-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
A car dealership took my XXXX on trade and sold me a XXXX at XXXX {$31000.00} I did not qualify for the loan because I did n't have the income. The car salesman falsified income documentation and put down that I had military retirement income of {$1500.00}. per month, when in fact, I was never in the military. 
and my only income is {$920.00}. / month XXXX income. I bought the car in XXXX XXXX, but I live across the river in XXXX, so they did not tag & title the car. 
I ca n't afford the {$650.00}. to register the vehicle. I never should have been put this car. 
It bothered me that I bought it ... .I 'm typing this complaint on my neighbors computer because he insisted I contact you about this, because he feels they most definatly committed a fraud and do n't care about sticking me with this vehicle, only thatI keep it long enough where they would not have to buy it back from the lender, which is exactly what should happen because I 'm XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 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: AZ

Complaint narrative:
I went used the link on the consumer finance website for the annual free credit report. I filled out all the required information and choose the XXXX reports I wanted. Once I submitted this information I was taken to a XXXX page which makes me sign up for a credit monitoring services and gives me no option to opt out of this. I thought these credit bureaus were not supposed to do that?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 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:
XXXX Bank is reporting an account that does not belong to me on my credit report. I initially contacted the credit bureaus believing that it should be easy to clear up. Incredibly, XXXX did not correct the error, so I called XXXX and spoke to XXXX in Security. Naturally when they asked for my social security number and contact information, it did not match what they have for the account. When they provided the last XXXX digits of a phone number, it sounded like my parents phone number, and it appeared that the account belongs to my father. Certainly, that should have been tne end of my problem, but instead, XXXX left the account on my credit report. It is stunning to me that the credit bureaus and credit providers operated without any regard for accuracy or the people that they impact.

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 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit bureau is in direct violation of FDCPA and FCRA, and has n't validated/verified negative accounts 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 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts for XXXX XXXX XXXX Bank shows a balance for {$620.00}. The account was settled and closed. The balance should show XXXX. a XXXX & XXXX, the original creditor : XXXX XXXX XXXX has a balance of {$290.00}. We have paid the balance off and should have a XXXX balance on the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

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

Complaint narrative:
TransUnion re-inserted previously deleted information regarding a collection item from XXXX XXXX of {$300.00} originally from XXXX XXXX, which is NOT a valid collection item as it was discharged in chapter XXXX bankruptcy in 2011. 
XXXX and XXXX have removed the XXXX XXXX. TransUnion removed XXXX XXXX item and then added it back.

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 2016-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This company XXXX just bought my loan in the past six months. Company is reporting false information. I 've never been late with them.

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 — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have contacted each credit company at least 4 times and provided all of the proof that I have to verify my address as well as to make them aware that someone has been using my identity. I lost my phone which was in a carry case that included my Id, social and debit card. I canceled my card and replace the other items. I was not aware that my identity was being used until I received a statement from XXXX. I had never applied for an account with this bank. I called as soon as I got the statement and told them the account was fraudulent and they closed the account while I was on the call. From there I ordered a report only to discover countless inquires as well as a pay day loan that was not authorized by me. This has been a stressful process and I 'm trying my best to fix this situation. I keep getting the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
They would remove the inquiries then they would put them back on, I do n't know why they would do that, only Trans union and Equifax are the ones that keep doing it. I have some letters from some of the creditors letting me know that they have requested that the inquiry be removed. I let them know that I did not apply for credit for any vehicle at any XXXX XXXX they ran my credit 17 times in one day, at one time I had worked to hard to build my credit no way would I consent to this. They are all on XXXX XXXX, 2014 with XXXX on XXXX XXXX, 2014 I have asked them to remove them I have written all the creditors as well as the credit bureaus and still they do the same thing please help me I am at a lost here. If the other creditors know this was not me then they should to I have written all of them.

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 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i have XXXX hard inquiries on my credit report from XXXX company that i never applied for and im having a hard time getting these inquires as the credit bureaus are giving me a hard time about removing them

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 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have XXXX companies that are reporting incorrectly on my credit report due in whole because trans union refuses to investigate the said companies XXXX Nissian infinity this is reporting incorrect information XXXX XXXX bank this is also reporting incorrect information on my report XXXX federal bankruptcy this is also being reported incorrectly 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 2015-12-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX XXXX, 2016, Transunion Credit Bureau was issued an order for deletion through the XXXX system used by XXXX. Transunion still refuges to remove both debts from my credit report. I have spoke to them 30 times even XXXX faxed deletion control numbers to them. Please help me get these XXXX debts removed : XXXX for XXXX for {$17000.00} and {$550.00}.

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 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion credit bureau has had an account on my report listed as " in dispute '' status for over XXXX months. Because of this I have been unable to secure a mortgage as the lender will not issue a mortgage to anyone who an account shown as " in dispute ''. They have been unable to tell me why it remains in that status and show no inclination to change it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed a collection account through XXXX XXXX in XXXX that I found on my credit report that was not mine. The original creditor was XXXX XXXX XXXX account name was XXXX XXXX XXXX in the amount of {$660.00}. The investigation was completed on XXXX XXXX stating that Transunion and XXXX had removed the collection account from my credit file. I look at my credit report today and it is back on with a different creditor name XXXX XXXX XXXX with account name of XXXX XXXX XXXX. I contacted this company and they said it was sold to them on XXXX XXXX after it had already been removed from my collection report with the other investigation. I told them I do n't know anything about this account and that it was already disputed and removed from my credit report and they told me the debt was valid. It is also now back on the XXXX report under XXXX XXXX XXXX for the same account showing opened XXXX XXXX. I was also never notified by either Transunion or XXXX that this was on my report again nor from any creditor the only way I saw this was due to me going back on XXXX XXXX and seeing it today, XXXX XXXX, 2016. It was not on my credit report from XXXX through XXXX as it was 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 non-monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
We went in to look at the cost of a vehicle and filled out paper work to see if we were able to get a loan from one company. At the first denial we decided not to continue with the dealership but the dealership kept sending out loan request even after we no longer stated we were no longer interested and no longer wanted to deal with the dealership. 
The inquiries were all done on XXXX XXXX 2013, the original and approved inquiry was on XXXX XXXX, 2013.

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