vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-12 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:
Through CFPB, XXXX XXXX XXXX XXXX XXXX closed this account. 
Explanation of closure : " Terminated collection efforts and notified the bureaus to delete our trade line. '' Case # XXXX XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
It still showing open and it supposed to be closed /showing in collection./ Ally financial, the vehicle was burned up, my ex wife had it done XXXX..so she is liable for this

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 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint about transunion. I have XXXX accounts on my credit report ( XXXX and XXXX ). XXXX accounts are listed on my report as negative with a deragtory remark ... I contacted the bank who holds these XXXX accounts and received additional supporting information that the accounts should be listed as accounts in good standing and the deragtory remark removed. I upload these letters to transunion but it was rejected. I sent in via mail now the copies of the letters. I also tried to re-dispute this information so when they receive a response from the XXXX creditors they will receive the letter and fix my credit report. Transunion will not let me re-dispute this information. I also have an account on my credit report ( XXXX ) that is a fraudulant account. I spoke with XXXX in fraud investigation dept at XXXX and was told this account will be removed from all XXXX credit reports. I am still seeing reporting on my credit report. I am submitting this complaint because I have been spending countless hours and days trying to contact all XXXX credit reporting companies and I am getting nowhere. This is very fustrating because it is having a negative impact on my credit score.

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 2016-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report says a account was charged off as bad debt, when in fact I paid account in full, I disputed information and the reporting agency did not correct the issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Shows i had a bankruptcy in the remarks section and this is false never had bankruptcy, just check my personal info. XXXX refuses to remove this and says they did n't report 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 non-monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I tried to dispute several credit inquiries with the XXXX major credit bureaus. They informed me I must contact the source of the inquire to dispute. I sent a certified letter to each creditor at they address they chose to list on their inquire. I explained I do not recall applying for credit at their place of business, I explained however if they found I was in remiss to send any and all supporting documents to me so I could review. I did not receive a response from XXXX of the creditors listed. I provided all credit bureaus with a copy of the letter I sent to the creditors and the page showing they signed for said letter, which reflected their thirty days had transpired to respond. The credit agencies are still refusing to delete, I did everything I am required to do by law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Commercial Services, Inc
State: CA

Complaint narrative:
National Commercial Services continues to attempt to extort money that is not owed. They have not, and can not provide any evidence that any money is owed, yet continue trying to collect and have even reported a delinquent debt to the credit agencies. Their client was paid all that was owed. They can not supply any agreement or contract that supports a claim for any payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-21 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: WA

Complaint narrative:
XXXX is not allowing me access to my once a year free credit score that XXXX passed a law in XXXX stating that we are allowed XXXX free credit report and score each year by law. XXXX nor Transunion, nor XXXX are allowing this to occur. I guess paying XXXX dollars in fines has not even phased them whatsoever. Why is it the that nobody is doing anything about this behavior. Why do they continuously get away with ripping off the XXXX people that built this country and free Democracy. Enough is enough with this behavior. Somebody needs to stand up and actually do something about it once and for all. I 'm getting tired of people turning their backs on the XXXX people do the right thing and make a change.

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 2016-04-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent certified mail to transunion requesting them to respond to my METHOD OF VERIFICATION FORM. I will attach a copy of the method of verification form. Transunion did not verify any of the accounts I have disputed but sent me results saying either they " UPDATED, NEW INFORMATION '' well if there is new information who did you verbally talk to too get this new information? No documentation was mailed to me explaining who transunion contacted. XXXX is not the form of verification that I requested by law transunion has to honor my method of verification request and they have not done so. This is a copy of what the results look like : Investigation Results Current File File Number XXXX Report Date XXXX/XXXX/2016 Dispute Open Date XXXX/XXXX/2016 Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, OH XXXX Completion Date XXXX/XXXX/2016 Account information ITEM DESCRIPTION RESULTS XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX # XXXX DELETED XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX XXXX # XXXX NEW INFORMATION XXXX # XXXX XXXX INFORMATION XXXX XXXX # XXXX DELETED XXXX XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX XXXX XXXX NEW INFORMATION When you see the method of verification form you will see why I am filing this last complaint before seeking legal action. This is my LAST attempt to resolve these issues. XXXX now do not even return calls so I know they was n't verified. XXXX and XXXX sent me fraud forms to fill out which I sent back already. XXXX and XXXX have not provided me with documentation with my signature on there as well so how is it that transunion have all this new information?????? I have contacted an attorney who is on standby until this last attempt is done. method of verification per FCRA Section 611 ( a ) ( 7 ) is what I requested.

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 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion and XXXX has not completed by dispute correctly. I have XXXX account that shows in the remaks that it was included in bankruptcy. It was not and I even have a letter from that account to reflect it. But they still continue to leave that in the comments or remarks. I do n't know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09 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 've had some fraudulent activity show on my credit report and have been working hard to clear it off. TransUnion is reporting a TAX LIEN for $ XXXX?! /? and it 's not mine. They still are reporting it and wo n't remove it. It 's with a court in CA and when I go to that court 's website you ca n't pull up any records showing this. I 've never owed any taxes like that in my life. Someone used my information to either run a business into the ground and that 's why their 's taxes.. i do n't know. Please assist me to have transunion conduct their process. Also there is XXXX collections but the tax lien was the main problem.

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 2016-04-20 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
During yhese numerous phone calls they are extremely rude but I have asked them on numerous occasions to send me copy of the bill so I can pay it and they have yet to do that. They just want me to give them my bank info over the phone and they get real nasty when I wo n't. I do n't know for sure if phone call is really who they say they are.

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 2016-10-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I have a hard inquiry on my credit report that I did not authorize. I did send them a letter but it came back undeliverable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 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: LA

Complaint narrative:
I have not been able to resolve my credit score issue with Transunion. I have been working with them since XXXX XXXX to resolve correcting my SSN # and DOB on my credit report. TU has mixed up my brother 's and my credit report which caused me not to be able to close on my home in time. I recieved the run around. I have called MULTIPLE times with no resolution and no call back from a supervisor. Their latest excuse is that it is a " computer issue. '' Because of Transunion 's error, my bank is unable to pull a credit report. The credit report has my brother 's information on it causing my score to be falsely low.

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 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have sent a hand written letter to dispute the false 30 day late report via certified mail. I have disputed to Transunion and XXXX. I have written a complaint to attorney general and various other agencies to help me resolve this matter, I have never been 30 days late and in XXXX 2015 I had spoke with a XXXX XXXX XXXX XXXX that had promised me a arrangement due to unemployment. That I could make the regular car payment and that if paid late would accrue fee however, I would never be reported due to late fees for not paying on time. So fast forward 8 months and arrangement was kept on there end. I made the payment for XXXX 29 days late due to financial struggle and they reported me as 30 days late. I wrote a letter in regards to the FRCA 611 ( a ) act that this was indeed false report and I have been hounded in regards to payment that I have always paid. The collection department refused to work with me and where so rude and I feel like I have no control of being bullied in this matter. I need help as XXXX is lieing and holding to keeping this false information active so they do n't get in trouble. They are reporting falsely and I am paying for this emotionally and it is got me so distraught that they continue to bully me in this matter. I can provide documentation however want to make sure it is taken care of to protect my identity. Please if you can help me in any way. I await your response, thankfully yours. 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 2015-11-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I leased a Regal Buick XX/XX/XXXX, 3 years ago through Ally. The term of the lease was 36 months with XXXX miles per year. I returned the car 2 months ago ( XX/XX/XXXX ) with only XXXX miles. I had still 2 months to terminate the lease and I was aware that I had to paid the remaining lease months, and I did. I left the car in an excellent condition with the normal use/ware of 3 years or XXXX miles. Ally did the inspection and determine that I had to pay for the tires. I paid on time all the lease payments and took very good care of that car, I consider an abuse from Ally to request that I pay them for new tires ( {$940.00} ) when I even under use the car ( XXXX miles less that the contract ) and was return in spotless condition.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
North star locations services had been constantly calling my phone and sometimes even my mother 's phone early in the morning claiming I owe money to them. My car got picked up XX/XX/XXXX. About two days after I sent my payment through XXXX XXXX sent a repo truck to come pick up my vehicle. About a month later, the north star location services phone calls started. The first call from them thru told me my vat had been sold through an auction. I did not receive any documentation about this matter. Ever since then they have been calling me early in the morning while me and my XXXX are still sleeping. I just want the phone calls to stop because I just about had 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 2017-03-09 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Delbert Services
State: AR

Complaint narrative:
I received a called from wertern sky stating I have a default loan from XX/XX/XXXX of XXXX which is now XXXX. 
I did n't take the loan out with WS but with XXXX. WS had made several calls to relative and friends giving out by social number and threating to send legal documents for me for court. I have n't heard from WS nor XXXX in 5 years. It 's my understanding that CFPP filed a lawsuit for unlicensed loans XX/XX/XXXX. 
The representative who called was very rude not only to me but to the others who they called looking for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My wallet was stolen on XXXX XXXX 2016 with all my information social security, debit and credit cards, Drivers license. The perps have used my social to open credit card accounts under my name I 've reported the situation to the credit bureaus I 've placed a fraud alert and only transunion has deleted the fraudulent inquiries I 've had about XXXX inquiries since XXXX XXXX and XXXX account was opened. I 've reported this to the FTC and my local police I 'm a victim of identity fraud and I need help. The perpetrators address has been added to my own credit report as if it 's mine.

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 2016-06-27 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 disputed accounts listed on my Transunion credit file. Transunion has ignored my request to provide me with the documents that they have on file that were used to verify the accounts. Transunion has exceeded 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 which can not be verified '' that I have disputed. Please resolve this matter promptly.

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 2015-04-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Since Ally Financial has taken over both my car loan and my husbands, we have had nothing but problems. When they took over for GMAC, I had no late fees on my account and then suddenlty with ALLY I continually have late fees. I have written them time and time again but to no avail. They now call all the time either for my husband and myself or just for my husband on my personal phone. I have sent them proof of payment any number of times but am continually harrassed with phone calls. They even attemped to have my car repossessed even though I had proof of payments. Now my husband has not received a statement from them since XXXX and now I am not receiving any statements for several months. Enough is enough. Almost every day I have to block their calls. 
Some agency needs to take a look at these poor financial practices by Ally. We never had problems with GMAC. I am sure that with all the late fees they tack on, my credit will be hurt. When I send them proof of payment, they never acknowledge anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
I successfully disputed inaccurate derogatory information reported on my credit report by Transunion. The account was reported by Transunion as deleted deleted on XXXX/XXXX/XXXX. The report was electronic and I have retained a screenshot of the report of deletion. 

At a later date, the disputed account was reinserted by Transunion, with an altered closed date of XXXX/XXXX/XXXX, after six years of inactivity and with no change in status. The original reported closed date was XXXX/XXXX/XXXX, six years earlier. 

I called Transunion to dispute the reinserted account on XXXX/XXXX/XXXX, the date of discovery. I had been regularly checking my credit report and the reinserted information did not appear until this past month apparently, at an unknown date. 

I spoke with XXXX representatives of Transunion who indicated ( 1 ) no letter notifying me of reinsertion was sent to me and ( 2 ) Transunion has a policy of not notifying persons of reinsertions of accounts. The Fair Credit Reporting Act requires a credit reporting to notify a person of a reinsertion of a previously deleted account within five ( 5 ) days of the rejnsertion. In this case at least five ( 5 ) days have passed, and no notice has been sent or received. 

Transunion has indicated that they will not delete the reinserted information if the creditor claims it is accurate, even if the information contained in the report is inconsistent with the previous report of the account. Transunion has additionally stated they have and will continue to violate the FCRA. I wish to have the reinserted account deleted, and to receive a letter admitting wrongdoing and confirming that the account will not be reinserted in the future.

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 2016-07-06 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: FL

Complaint narrative:
I have tried to get the free credit report from TransUnion but their website has indicated it will not send it to me and gives me no option for addressing or resolving their decision. Additionally the site would give it to me no problem if I pay them {$22.00}. Is n't this a violation of the requirement for these bureaus to give the report free?

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