vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have a Federal tax lien that was released, reporting on XXXX and Transunion. According to everything I have read on the laws, released tax liens must be removed within 7 years of the filing date. I have disputed this with the bureaus, as the filing date was more than 10 years ago. XXXX removed it. XXXX and Trans Union have neglected to investigate it properly and remove it. The credit bureaus keep violating my rights as a consumer to have fair and accurate credit reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
State of GA placed a tax lien of for {$650.00} with a filing date of XXXX XXXX, XXXX stemming back to XXXX tax year Lien shows as paid in XXXX XXXX, XXXX I made several payments before and after this, my payments were applied to the wrong year Reference # XXXX was listed 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 2016-01-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Delbert Services
State: TX

Complaint narrative:
I closed an account with Delbert Services ( DBA XXXX ) on XXXX by authorizing payment to be made in full. The transaction is reflected in my checking account. On XXXX XXXX, 2016 I followed the XXXX guidelines for disputing an entry on my credit report. I sent the document via fax ( all receipts and confirmations available ) expressly requesting that the entry be disputed as their data as of XXXX of 2016 still showed an open account with a {$10000.00} balance. XXXX has refused to place the issue in dispute or make any changes. I am working to pay my bills but when XXXX and Delbert services throw roadblocks in my way and refuse to even communicate with me it makes it a lot harder.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Transunion seemingly did little to no investigation from what I can tell. It does not help that they add a character limit for explaining your complaint regarding an investigation. 

My account with XXXX Bank went from good standing to bad after this " investigation '' which is bad for the lawsuit that XXXX XXXX forced on me as what I perceived as intimidation due to the potential financial costs. 

I do n't see any inquiries by Transunion about the card being NEVER used, about XXXX Bank listing me as never having made a payment even though XXXX Bank lists a balance and upon calling Transunion the person I spoke with in XXXX was not able to help much other than offer a 37 day investigation for something I tried to correct him 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 2016-10-10 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: GA

Complaint narrative:
TransUnion has refused to issue a copy of my credit report ( free state report and free adverse action report ) after more than 16 requests. They have blocked my access to my report through their website at www.Transunion.com which instructs me to call their phone number. The phone call leads to several transfers and eventually I am dumped to a voicemail. Each time I am transferred I request a copy of my report and am told that my report is handled by either the " special handling department '' or the " priority department '' depending on who I am speaking to. I believe this is in direct retaliation of taking prior legal action against Transunion more than 1 year ago. This seems to be an intentional action that they take upon any person whom has filed any legal actions against the company, which is designed to confuse and frustrate consumers and make it overly burdensome and extremely difficult to obtain copies of consumer reports. Additionally, this action prevents any report from being free as mandated by Georgia State Law and the FCRA when postage, printing and paper costs are forced to become involved in the request. 

I have recordings of several phone calls demonstrating my request for my credit report multiple times before being sent to a voicemail. At this time I am not attaching a copy of those phone recordings due to privacy reasons, as they contain my giving personal identification information to the agents at transunion, but redacted copies may be available soon if needed.

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 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX my credit score went from XXXX to XXXX because XXXX XXXX submitted a late charge of {$12.00}. The card was closed on XXXX XXXX, XXXX with a {$0.00} balance. Almost 4 years later XXXX XXXX reflects on my credit report history indicating XXXX missed payments from XXXX XXXX to XXXX XXXX when the account was closed. I ensured that my balance was XXXX before closing the account. I never recieved any notice from XXXX XXXX that I had a {$12.00} balance. Attached you will find my Credit Report dated XXXX/XXXX/XXXX showing XXXX XXXX with a Balance of {$0.00} and the Pay Status as Current ; Paid or Paying as Agreed. I 've also included my most recent credit report showing XXXX missed payments from 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 2016-09-28 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:
XX/XX/XXXX and today, XX/XX/2016, it was brought to my attention that XXXX issues remain on my credit history that should have been removed at least several months ago and as far back as two years or more : XXXX and XXXX. It should be removed from my credit history because it has lowered my credit score tremendously. Why do these credit directories refuse to remove erroneous information 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 2016-04-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
Auto loan pay off reported on XXXX not on XXXX, called the creditor to ask reporting be updated on XXXX and was hung up on by associate at Ally Auto.

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 2016-02-09 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
They originally called stating that they were representatives of a federal agency and that my file was subject to a criminal complaint. They would call from different numbers and use different tactics to get me to think i was in trouble with the law. The debt remained on my credit report months after i paid it. I have disputed it and talked to the collection agency. They indicated that because i disputed the account, they had to send info on the amount i previous owed without stating that the account is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account is supposed to be {$0.00} balance, not {$180.00}. I attached Letterhead in the last complaint number XXXX when you stated you would update account to XXXX balance but you never did it. Now it is XX/XX/XXXX and you still have a balance that i know Child Support did not send to you. Child Support updated account every XXXX of the month. If the is nothing to report like XXXX balance nothing gets sent out. Please remove this account from my credit report, on XX/XX/XXXX, if there is something to report child support will send it to you.

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 2016-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I m so tire of dealing disputing with Trans union and XXXX looks they are the king of the system, it seems nobody can regulate them!, I dispute XXXX hard inquires they deleted right away,, but on XXXX XXXX then they reinstate all of them again, they suppose to let me know 5 days before they reinstate them since now I was in the middle of applying for a new loan you know. is very frustrated been in the process of been qualify then I got denied because they put back the XXXX i inquires back without letting me know why was the legal reason to do that, I need your help please..the names and addresses I circle in my attachment are not mine.Transunion and XXXX keep adding new address lately.

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 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously disputed, with TransUnion on XXXX XXXX, 2016, inaccurate information regarding my account with XXXX # XXXX. This information has caused me to be denied credit because of it lowers my credit scores. XXXX XXXX by and through the credit reporting agencies are reporting that I have missed a payment or was 30+ days past due in the month of XXXX 2016 is inaccurate. Please see my attached receipt for cash payment in the local branch office and through a teller at the window on XXXX XXXX, 2016. Additionally, it is being reported that my last date of payment was XXXX XXXX, 2016, when in fact, I made no payment on this account on XXXX XXXX, 2016. My receipt confirms the date and time of my payment.

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 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have made XXXX separate request for TransUnion to delete the late payment that was reported by XXXX XXXX aka XXXX XXXX and TranUnion has continue to report the late payment. I enclosed letters and emails received from XXXX XXXX on their company letterhead validating the company 's agreement to remove the reported late, however, TransUnion continues to report this inaccuracy although they have the document proof. I have continuously requested and provided written proof to TransUnion and yet they blatantly refuse to remove the reported late which is a violation of my rights under the FCRA. I am seeking the assistance of the CFPB to investigate the issue and I have attached proof of the agreement to delete letter.

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 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Several inquiries deleted and reinserted, customer service would not help take care of the negative inquiries reporting to my Trans Union credit report. 


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 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am at a loss of words. Long story short, I signed up with TransUnion to get on top of my credit. I then discovered that someone ( who i actually know ) took out a {$50000.00} loan in my name. Frantic, I call TransUnion, to get nowhere. I cant understand anyone. I asked multiple times to be transfered to a supervisor, and that just did not happen. The people here do not speak english. They are not equipped to handle these situations. They could barely understand me when I tried to give then my social security number, let alone tell the slightest bit of information about this XXXX loan in my name! I have XXXX questions, and the agents there and barely understand what I am saying. I need help. Please. There is fraudulent activity and I am a victim of identity theft. I do n't have any other numbers to call..who else do I go too? I am feeling like i got scammed all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Diagnosed with XXXX. Was placed on medical leave for XXXX., Unable to work consisted. Also please remove all discharged accounts from 2006 BK. Remove all duplicate accounts. Also Fraud investigation. XXXX, XXXX, AND ALL ACCOUNTS TO BE REVIEWED ANS REMOVED TIL INVESTIGATION IS DONE, OVER!! THANKS ... all documents are with attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 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:
Re : Unauthorized Credit Inquiry I did not authorized the following company to do a credit check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
After XXXX letters mailed to Transunion via certified mail they have not corrected the information that is being reported. Transunion has had well over 90 days and several letters containing correct information and they have not done any investigating or reinvestigating.

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 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I made a FDCPA formal inquiry into XXXX XXXX XXXX XXXX as well as XXXX. My formal request for the information that is due to me ( by law ) was sent via certified mail. After no response for more than 30 Days, I submitted this information to all XXXX credit bureaus, as The information was on my credit report illegally according to the Fair Debt Collections Practices Act. I sent copies of the formal requests for information AND copies of the certified mail receipts. I will attach those documents to this report as well. At this time i would like to know if Transunion is depriving me of my consumer rights under the Fair Credit Reporting Act. And I have received no communication from Transunion regarding the reasons behind their incorrect and unfair findings in this matter ; so can you please investigate this as well. If these companies are found in violation I believe I am due {$1000.00} per occurrence. Thank you very much for your time and diligence in this matter. These ILLEGAL negative items on my credit are creating financial hardship - I am a XXXX Veteran and I am on a fixed income. I would like Transunion held accountable if indeed I am correct.

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 2016-11-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I contacted Ally about my auto loan being rewritten. At that time I was informed if I rewrote the loan my next payment would not be due until XX/XX/XXXX. I received no collection calls. Therefore I was under the impression that my loan was in a rewrite status. Ally reported my payment as late while they rewrote the loan, requested info from me by XXXX, and completed the loan process. When all was finalized I found out the credit reports were made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I leased my car from Ally Bank for 39 months and fulfilled the terms. When I was purchasing this same vehicle, I noticed a discrepancy on the lease agreement between the residual price and the purchase price of my car ( {$2500.00} ). I was at my dealership with my husband to purchase the vehicle and we questioned this discrepancy. My salesman called Ally Bank & after several phone calls ( we got disconnect once ) and transferred several times, we finally got someone who could answer our question. He ( XXXX XXXX, I believe ) told us that the fee of {$2500.00} was because we had to pay for all of the " bad '' leases in the past but they stopped doing that in XXXX. ( I leased my car in XXXX ). Furthermore, I fulfilled my lease and why should I pay for someone else 's bad debt. We then asked for a supervisor. She XXXX XXXX who spoke with a slight foreign accent ) told us that it was non-negotiable and that out of the {$2500.00}, {$2000.00} going to Ally and {$500.00} was going to the dealership, which my salesman & finance manager denied. She actually got a bit irate at XXXX point when speaking with my husband as she thought that she was speaking with the salesman. However, my husband introduced himself by his name as the XXXX. Our salesman confirmed this with her. The residual value was the number that they worked from to get my lease terms and what the car '' s purchase price should have been at the end of the lease. So they charged us, {$2500.00} more than the car 's residual value and of course, financed it for us. We are already upside down on the value of our car. We love everything about this dealership, they are professional in every way! Let this complaint be no reflection on them. Their hands were tied. It 's Ally Bank that did n't do the right thing. We feel cheated & taken advantage of. This happened Saturday, XXXX XXXX, XXXX between the hours of XXXX XXXX and XXXX XXXX eastern standard time. Please see the attached lease agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Transunion conceals customer service hotline on company website. I had to go to a consumer info sharing site to get the number. I am convinced the number does not appear at all on their own site.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
HAVE BEEN AN ACTIVE MEMBER OF TRANSUNION INTERACTIVE INC. FOR OVER A YEAR AND HAVE USED THE SERVICE TO MAKE FINANCIAL DECISIONS. INFORMATION GIVEN THROUGH THIS COMPANY IS INACCURATE AND COULD NOT GAIN RESOLUTION OVER THE PHONE. ASSOCIATES REFUSE TO ANSWER QUESTIONS REGARDING INFORMATION DISCREPANCIES. I HAVE MADE FINANCIAL DECISIONS BASED ON THE INFORMATION PROVIDED BY TRANSUNION INTERACTIVE INC WHICH HAVE FURTHERED HARMED MY CREDIT AS WELL AS CHARGED ME {$17.00} MONTHLY AS WELL AS ON SEVERAL OTHER OCCASIONS FOR MISINFORMATION. I HAVE MADE SEVERAL ATTEMPTS TO HAVE MY INFORMATION REFLECT ACCURATELY BUT WITH NO SUCCESS. I THEN REQUESTED A FULL REFUND BUT I WAS TRANSFERRED SEVERAL TIMES WITH OUT BEING GIVEN PROPER GUIDANCE OR SERVICE. THIS MATTER REMAINS UNSOLVED AS I CAN NOT SPEAK TO ANYONE THAT WILL HELP. I AM SEEKING A FULL REFUND OF ALL MONEYS PAYED I INTO TRANSUNION INTERACTIVE INC IN THE TOTAL AMOUNT OF {$310.00}.

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