vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
These companies, unknown to me, requested my personal credit and insurance information without my knowledge : XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX ON XXXX XXXXDBA : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MO XXXX XXXX on : XXXX/XXXX/2014

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have received the response below from Transunion. They send me another copy of my credit report apologizing that they made a mistake on the previous report they sent me. The phone number for the creditor is invalid., it is impossible for me to contact the creditor and verify the information that is reflected on my credit report. A representative from Transunion told me on a recorded line that the number was not working and that I should contact Transunion by mail. I am still waiting for the correct information from Transunion from the creditor. I have attached a copy of the most recent report I received from Transunion. 

TransUnion said : Explanation of closure In order to protect your privacy, we have mailed a courtesy copy of your TransUnion credit report to the current address we have on file for you. Please review and provide us with the exact information you believe to be inaccurate. You can expect to receive your report approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. 
Please visit XXXX for frequently asked questions about your credit report. 

Response After reviewing your complaint, we are unable to process your request because we were not able to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I have disputed the debt that XXXX wireless has on my credit report with all agency, XXXX has removed it after my dispute, yet it still remains on my transunion report. Also all the medical bills on XXXX still have NOT been removed, as they have been on trans union report, so my credit reports conflict XXXX another. I thank you for your prompt attention to this matter.. have a great day! Also I went and applied for a new car and the company assured me that it would not impact my credit score, they ran it XXXX times at XXXX different credit unions so I have a total of XXXX on my trans union report, can you please also look into this false information that XXXX XXXX XXXX gave me. Again ty

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 2016-01-23 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penncro Associates, Inc.
State: CA

Complaint narrative:
This bank is trying to collect from a vehicle they sold to a private party after denying my insurance claim in regards to loss of income, a benefit I had paid for 1 year. when it was time to use it they denied me. They are not reporting correct amount as a result I have spoken to an attorney however he has not been hired yet. I am considering hiring him soon. I have asked XXXX XXXX to remove this company from my credit report due to their insufficiency in regards to the amount. This debt collector has inquired more then 3 times in less then a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I requested the Bankruptcy record to be removed from my report. It has been more than 7 years since discharge, and by their own words, the record remains for 7 or up to 10 years.

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 2016-04-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
My FICO score had been rising steadily over the last two years due to my being quite responsible with the utilization of credit and immediately paying my credit card balance in full every month. A few months ago, my credit card company increased my credit limit. They did this WITHOUT asking me or getting my permission. Now because the ratio of my credit usage vs available credit has changed, the bureaus tanked my FICO by XXXX points! In other words, I 'm NOT in debt. I pay my balance in full and on time, but because my monthly charges are now XXXX % usage ( vs XXXX % ) against available credit, I get punished with a drop in my FICO? This is proof that the credit bureaus need to be investigated and sued. What they are doing is damaging to people NOT in debt. It 's almost as if they rather we accumulate massive debt, which makes no sense. PLEASE do something about this. Obviously their algorithm is broken.

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 2016-08-07 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Financial, their representative XXXX XXXX XXXX refused to validate ( their ) the alleged debt for an auto loan, prior to taking legal action. 
Prior to this, Ally Financial made false statements regarding this loan and the loan had been modified ( mutually ) : there was no record of this provided. 
Ally Financial refused to acknowledge any issues and upon request, sent inaccurate information in response.

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 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was married and we had a joint mortgage through XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I got divorced in XXXX 2013 and the house was refinanced by my ex husband IN HIS NAME ONLY in XXXX or XXXX of this year. I 've tired for 3 months to get the remaining balance of {$140000.00} OFF my credit report and the credit agencies keep telling me it is my responsibility even though the credit union shows no record of me on the account.

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 2015-07-21 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 do not know what what these bad accounts are. I have not had credit with XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because Transunion has ingnored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to '' promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. thank 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 2015-09-21 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 XXXX account on my credit report with XXXX that is not mine I 'm not an authorized person and nothing like that but it is appearing on my credit like they are mine so please take them off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
this not my account so please remove

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX Bank Account ending XXXX is showing past due for XXXX 2015. 
XXXX XXXX Bank Account ending XXXX is showing past due for XXXX and XXXX 2015I have been paying these monthly through XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Over the last 12 months I have sent multiple letters to Transunion stating XXXX wrote off this account for company tax purchases. It should not still be on my credit report because XXXX took the tax credit once this account was written off. 

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 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
While window shopping for a car deal, during my discussions with the car salesman and even the financial manager, I was specifically told that my credit report would not be pulled so that no hard inquiry would result. However, the very next day I checked my credit score and it had decreased because of XXXX hard inquiries by the car dealership. I never authorized them to pull my credit report. I have written a letter to the car dealership and have even placed a call to speak with XXXX of the financial managers. The financial manager with whom I spoke told me that he was going to investigate. It has been over a week and nothing has been resolved. The XXXX hard inquiries still show up on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit report lists my correct address and XXXX false address where I have never lived.

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: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
No person on the phone would help me resolve this issue. I called XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I tried to get my free credit report from Transunion at XXXX.com because I had identity theft. Transunion sent an online message saying I had already received my free credit report, but this is not true the person at the XXXX phone number confirmed this. I had only ordered from XXXX last year. So I was forced to pay {$18.00} for XXXX days on XXXX/XXXX/2015 which should be free for XXXX days. They will not refund that money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-08 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: FL

Complaint narrative:
Recently there have been changes to my Transunion Credit Report. I requested XXXX to mail me a new and up to date credit report. Transunion has failed to comply with my request. I am requesting XXXX to send me an up to date and current 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 2016-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On my credit reports they have me down as having a bankruptcy charge and it 's incorrect and because I was late on a couple of bills my name was put on the bad credit list! After paying them off I 'm still on the bad credit list and I paid them off on time in fact early. So what can I do to get my name off or fix this problem please help me. Thank you for your time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Under personal information- one of the names and address is incorrect

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 2016-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed XXXX XXXX XXXX with Transunion from the first time it showed up on my report. Because XXXX XXXX XXXX service can give Transunion just my name and address but no signed contract or documentation to support this, Transunion continue to accept this as sufficient documentation of my owing this debt. All documentation of me writings XXXX XXXX XXXX ( per Transunion request and me providing XXXX XXXX XXXX the information requested of me ), XXXX, and FTC along with supporting documentation of XXXX XXXX XXXX not responding to me and XXXX and FTC was sent each time by certified mail. I was information when dispute was made to speaker with their special handling division each time and they will dispute. I informed them that after a consist years of dispute and no proof provide. This need to be 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 2017-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Pacific Union Financial, LLC
State: OH

Complaint narrative:
I originally called on XXXX. to get a refi. started. I was told no loan officer w was there and I would receive a call back from XXXX in XXXX to 48 hours. I waited 3 days and call, so I called on that day. I was told yet again same thing. no one there and would get a call in XXXX to 48 hours. I said ive already waited and that I really need to get it started. I also asked to speak with a supervisor. not one available. it was on XXXX XXXX or XXXX I finally got a call from a loan officer, XXXX. got it started that day. it was on XXXX XXXX I got a call from a supervisor from my complaint 10 days later. I was hoping to get the refi completed soon because I was having some financial dificuties.during this time. I received phone call from their collections department on my making my payment. on. everytime I called to speak with someone for the refi it would go straight to collections. so I maid the payment so it did n't affect my credit. mean while there was little to no communications from our loan officer. XXXX XXXX. Now here wee are on XXXX XXXX just got a call from collections dept. today about my payment. when I have grace period until the XXXX. and I also had to pay XXXX for an appraisal as well. which was also a big set back. called XXXX today with no answer and call back. please help I feel like I have no where to turn to. I heard about CFPB through another mortage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 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:
The credit reporting agency, in spite of the fact that they have stated to the CFPB in response to another complaint that they have removed the incorrect information are in fact still falsely reporting that I have a Chapter XXXX bankruptcy. I never filed a Chapter XXXX bankruptcy. The public record shows one filing for a Chapter XXXX in XX/XX/XXXX that was successfully completed and discharged on XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hello, there is a 2012 Chapter XXXX Bankruptcy filing with docket number XXXX that was added on my score that I have been disputing for over 6 months to get this filing withdrawn. 

I have talked with with a lot of representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXX dispute in which I am currently awaiting results. 

I called and spoke with a manager and asked from TransUnion on how credit bureaus verify their public records. I want to know this information because the bankruptcy keeps coming back as verified every time. I had XXXX representatives tell me that the dispute is sent as a message to the courthouse XXXX. Once the court verifies it, the information is transmitted back to the credit bureau. 

To make sure the correct information was relayed, I contacted the court house and they instructed me that they do n't release any information via the credit bureaus. 

I decided to call TransUnion back to speak with another manager, but this time they advised that the information is given by the contractor who contacts the court house. 

I asked what information does the contractor give to the courthouse, and how & what kind of physical information does the contractor report to the credit bureaus. They could not answer that request and just said its a form that they send over to the courthouse. 

I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. 

TransUnion refuses to give my physical documentation that they use to verify this bankruptcy is mine and reporting accurately per the Fair Credit Reporting Act.

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 2015-12-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
At the end of my lease in 2014, I turned in my car to the dealership when I picked up my new car. After Ally Financial picked up the car from the dealership, they assessed lease-end fees of $ XXXX. I was able to settle with them for a lesser amount, which I paid in the time requested to settle the account. Due to a system error on Ally 's part, they reported that negotiated difference as outstanding and it was sent to collections. I was able to get this corrected with Ally, but my credit report still shows that as a serious delinquency, even after it was corrected.

Company public response: Company 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 — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to verify my XXXX tax lien that were withdrawal by state of Ca. 
Lien # XXXX Lien # XXXX both withdrawal by state of Ca FranchiseBoard Sac CA XXXX. Experian has been reporting it incorrectly for over 5 yearsas paid and Release. It is damaging my credit file. Experian needs to verfiy it XXXX both were withdrawal I paid XXXX .Please be advised this is my LastWRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Deleted both liens from my credit file.

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