vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After carefully reviewing my credit file XXXX has placed a debt onto my report in the amount of {$1000.00}. XXXX has the last reported payment on XXXX XXXX, 2015. XXXX failed to report the other payments made to this account. I would like for XXXX to remove this item off of my credit report due to XXXX placing me on a monthly shut off protection plan and XXXX failed to report payments made. This affects my credit report dramatically. I do not feel that it is fair for XXXX to place collection on account but not report payments 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 non-monetary relief
Consumer complaint received 2015-06-25 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: TX

Complaint narrative:
None of the XXXX bureaus were able to provide me with a report. They say the information I entered does n't match what they have on file. However, I know a little more : a while back, I was looking into a car loan with my local bank, and the loan officer who ran my credit check ( who knows my dad ) came back saying that while he could n't approve me, he noticed that my dad 's credit history was mixed in with mine for some reason. We do n't have the same name ; how can I get all three of them to fix this error?

Company public response: Company 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 — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello I am writing with a severe cmplaint. There are a number of erros and collection files on my report that dpo not belong to me. They need to be removed ASAP. 
** XXXX XXXX - {$520.00} ** XXXX XXXX - {$430.00} ( Acct # XXXX & XXXX ) ** MEDICAL - {$75.00}, {$69.00} and {$59.00} ** XXXX XXXX XXXX - {$95.00} I have previously demanded the CRA remove these entries under my name or show just proof that they belong to me. I have never had an account with any of these companies and am again demanding that these entries be removed asap.

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: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RR Resource-Recovery
State: NY

Complaint narrative:
A medical debt was reported to my Equifax profile on XX/XX/XXXX for a {$15.00} medical bill that I am unaware of, by an attorney 's office named Law Office of XXXX XXXX XXXX XXXX. When I called the number a man answered stating " RR Resource Recovery ''. The man did not identify himself. He asked me for my name, which I provided, and he immediately stated that I owed {$15.00}. I advised that I did not recall getting a letter with this information. He did not provide his name, nor the original creditor name, nor disclose that he was a debt collector, nor did he state the Mini Miranda disclosure to me. I felt that I was speaking to an attorney due to the credit reporting, so I paid via credit card the {$15.00} balance + a {$5.00} fee which the man stated would be added to a phone payment. He provided a confirmation # of XXXX and the call ended. 

I was misled by this company into paying a bill that I am unaware of and had the right to dispute, but was not offered that right. 
1 ) The collector did not identify himself2 ) The collector did not disclose to me that he was a debt collector3 ) The debt collector did not state the original creditor name despite me telling him that I did not receive an initial notice4 ) The collector stated that my XXXX XXXX credit report was wrong and that XXXX reports are " never right '' 5 ) The collector did not explain why he was charging me a {$5.00} fee for making a phone payment6 ) The company 's entity name is R R RESOURCE RECOVERY, LLC ; however, they have reported debt to my XXXX credit report using the name LAW OFFICE OF XXXX XXXX XXXX XXXX, XXXX - which is an inactive company due to dissolution on XX/XX/XXXX. 

How can a debt collector report to a credit bureau using the name of a dissolved attorney 's office?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Between XXXX XXXX, became a victim of ID Theft. My purse was stolen in XXXX and in XXXX, I was informed by XXXX that they had a breach in security which compromised my personal information and that someone had purchased a mobile phone from XXXX and opened an account. In XXXX XXXX I requested my credit report and I found the following items that do not belong to me and should not be reporting against me. 
I informed Trans Union credit bureau of the accounts and the circumstances. I submitted a complaint to the FTC regarding the ID Theft ; submitted the FTC complaint to the creditors and the Credit Bureau in XXXX XXXX with a letter outlining my circumstances again. I made further contact with the bureau in XXXX XXXX and asked that the accounts be deleted. As per the consumer Act, it has past 30 days in fact, it has been over 120 days since I requested full validation and written documentation to show Contractual Agreement and where the accounts were opened in order to verify that these accounts are not mine. 
XXXX XXXX XXXX Credit Card Acct # XXXX {$850.00} XXXX XXXX XXXX XXXX Acct # XXXX {$1700.00} XXXX Acct # XXXX {$700.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed a account with all XXXX credit bureaus for XXXX. The first time it was deleted. Then it appeared again under another company. I have been disputing it since and I have requested documentation with my signature to verify the account and to this day I have received nothing but somehow it keeps coming back verified when I dispute it. I would like this item deleted off 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 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My TransUnion credit report dated XXXX/XXXX/2016 reflects XXXX hard inquiries for credit facilities for which I DID NOT apply : XXXX XXXX on XXXX/XXXX/16 and XXXX XXXX on XXXX/XXXX/16. I suspect identiy theft and have put fraud alerts on my credit reports. In the meantime, these inquiries need to be removed from my report as they were fraudulent.

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 2017-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion continues to report information that is inaccurate even though I 've disputed it several times. Transunion has not verified the information since XX/XX/XXXX and XX/XX/XXXX therefore it should be removed. I am being discriminated against by Transunion.

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 2017-03-14 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: MO

Complaint narrative:
Total frustration! Apparently, annualcreditreport.com does not request enough information from users for the credit reporting agencies to process the requests. XXXX was the only agency that would furnish an online 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 2016-10-16 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:
on XXXX XXXX I checked my credit report, because I would like to buy a home soon and all of my inquires where off. and I went back to look again and now they are back which has dropped my score down

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Today XXXX XXXX I received my updated credit report from TransUnion stating that new information was updated on my credit report with XXXX XXXX XXXX acct # XXXX. I see no changes to this account nor my report. I disputed this account over and over again TransUnion seems to be the only XXXX reporting this account XXXX has removed this account due to the inaccuratcy that this company has displayed over the 5 years and XXXX investigation is due to be concluded by Satuurday XXXX XXXX company has n't responded to their dispute as of yet. Please help me to get this issue resolved. Please find that I have included my TransUnion Report, XXXX removal of this 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 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX # XXXX Date Opened : XXXX/XXXX/XXXX Date Closed : XXXX/XXXX/XXXX Original Loan Amount : {$3500.00} I was in a 6 month FORBEARANCE from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. 
As of XXXX XXXX I had the loan payments deferred. There is no way that this account should be reporting as 60-120 days past due. This incorrect reporting has a negative impact on my credit and I 'd like this incorrect reporting corrected. They are also reporting this account with a current status of paid/current when in fact the account is PAID/CLOSED as of XXXX/XXXX/XXXX This account needs to be corrected and updated immediately Current reporting by Transunion Current status : paid as agreed/current ( the account was PAID/CLOSED on XXXX/XXXX/XXXX ) XX/XX/XXXX ok XX/XX/XXXX 60 days ( how did it jump from ok/current to 60 days in 1 month? ) - I was in Forbearance XX/XX/XXXX 90 days - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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 contacted Transunion after checking my credit report and saw a list of inquiries on my account that I did not authorized. I was informed by a rep their was nothing I could do but speak to those companies and after calling XXXX the advised I was not in their system. So I contacted XXXX and again was told I have to wait two years for them to fall off, I do not believe this is fair as they are not mines. I am listing the inquires which I show on my account. It scares me to see this incorrect information and not getting any help, this is my personal information and affects my livelihood. 
XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
cars was total loss in XXXX 2016 and to date they have yet to complete the claim. my XXXX insurance has attempted to work with them and do to there delay in processing held the payment up costing me more in intrest. now the agency that is handling the claim has advise me they are a third party and can not seem to give me an exact total off funds of hich i should pay to pay off loan.

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 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is reporting XXXX incorrect addresses. This is not or never have been my addresses. Please remove the following addresses, immediately : XXXX XXXX XXXX and XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Each year, I review my free annual credit report to make sure all information is correct. However, I first noticed on my TransUnion credit report where one of the accounts had the remarks, BANKRUPTCY DISMISSED ; PLACED FOR COLLECTION. I immediately filed a dispute and waited a month later on XX/XX/2016 for the investigation to be complete. On the dispute, I explained I had never filed bankruptcy ( or attorney for that matter ) and I wanted the remark to be deleted for accuracy. When the dispute was finish the same information is listed on my credit report. I became frustrated that not only FICO score dropped on all three credit reporting agencies and I followed the instructions of the customer representatives and no one listened or resolved matter. I need help - I can not buy a car or anything because my credit is affected. My report contain error that have harmed my ability to obtain credit. 
TransUnion provided no straightforward way for me as a consumer to correct erroneous blemishes affecting my credit. When I filed a dispute, TransUnion reflexively finds in favor of the debt collector that reported the debt. In this case, the debt collector was XXXX. TransUnion has failed my trust to maintain accurate credit reports and its refusal to investigate consumer disputes after I pleaded for help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account was closed by me in the year 2009 it is over 7 years old.. It has a {$0.00} balance I have disputed it several time to be removed from my credit history ... Saying it is past 7 years and a {$0.00} balance and they still will not remove the account. Something need to be done please. 
They are doing this with multiple account on my credit history.. This is just few example. Another is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Closed in 2009 XXXX Closed in 2009

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 2016-04-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Did not close account! This account is past the 7 year mark and want it removed! Trans union and XXXX Opened Date XX/XX/2009 XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed XXXX items on my credit report via letter dated and certified mailed on XXXX XXXX, 2016. The investigation took longer than the 30 days allotted by FCRA. However, the items disputed were not removed from my credit report. On XXXX XXXX, 2016, I certified mailed a 30 day no response letter informing TransUnion on their investigation delinquency and respectfully requested that the items in dispute be removed from my credit report. Both letters were ignored and only XXXX of the XXXX items disputed have not been removed from my credit report. 
According to FCRA, I respectfully request that all XXXX items I disputed in my letter dated and mailed on XXXX XXXX, 2016 ( see attached ) be removed from my credit report. My original letter was received by TransUnion on XXXX XXXX, 2016 ( see attached ). Thus, I was to receive a response from TransUnion via mail on XXXX XXXX, 2016. However, the TransUnion response letter was postmarked XXXX XXXX, 2016 ( see attached ), and I received TransUnion 's response via mail on XXXX XXXX, 2016. Thus, TransUnion 's investigation was in excess of the 30 days allotted by the FCRA. 
My 30-day no response letter was dated and mailed XXXX XXXX, 2016 ( see attached ) and received by TransUnion on XXXX XXXX, 2016 ( see attached ). 
The Fair Credit Reporting Act, FCRA Section XXXX ( b ), and FCRA Section XXXX ( a ) ( XXXX ) requires you to : 1 ) investigate any items that I feel are inaccurate, obsolete or outdated 2 ) Investigate and respond within 30 days and 3 ) promptly delete that item of information from the file of the consumer. 

According to FCRA, I respectfully request that all XXXX items I disputed in my letter dated and mailed on XXXX XXXX, 2016 ( see attached ) be removed from 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 2017-01-05 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Bank currently has XXXX Raise Your Rate CD products - a XXXX CD that allows you to raise your rate once during the life of the product and a XXXX CD that allows you to raise the XXXX twice during the life of the product. Currently, the initial rates for the XXXX and XXXX -yr are XXXX and XXXX, respectively. The reason consumers went into these products was so they did n't get stuck when interest rates started to rise - just as the product was marketed by Ally. Now that interest rates have started to increase neither of these rates has budged. Ally is not being competitive with these rates. Per XXXX, the rate they offer for a XXXX is XXXX best and the rate for their XXXX is XXXX best among banks. What 's most telling is that if I wanted to put {$25000.00} in a XXXX with Ally today they 'd pay me a rate of XXXX for XXXX, but only XXXX for XXXX. From a bank 's perspective, I would think that 's counter-intuitive, but it reflects their rates as of today. Even though the XXXX bond market has a normal yield curve, Ally 's in inverted. I believe they wo n't move the rate on the XXXX and XXXX because customers would exercise their option to increase the rate and Ally does n't want to pay up. They should eliminate this deceptive product. If consumers knew that they never intended, in good faith, to budge on these rates, they would have opted to go for a straight CD that paid a little more, rather than paying for the Raise Your XXXX XXXX option - an option that appears worthless. Take their rates today on the XXXX straight CD, which is XXXX. I get XXXX basis points more for a XXXX shorter term CD than the XXXX CD paying XXXX. If past is prologue, I would n't expect Ally to move the XXXX rate. It does n't appear that they are under any obligation to do so, yet the product exists.

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 2016-11-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TX

Complaint narrative:
I purchased a home with a mortgage loan through XXXX XXXX Loans in XXXX of XXXX. My loan was assumed by Franklin American Mortgage shortly thereafter. On XXXX XXXX, XXXX, I was notified by mail of an escrow shortage of which included a {$3400.00} in late fees which were labeled as " taxes '' on the statement. Further investigation on my part determined this late fee was assessed by the XXXX XXXX ( XXXX, TX ) Appraisal District because they had not been notified by FAMC of the loan servicing transfer. I understand that I am responsible for taxes but not a late fee caused by FAMC 's failure to notify the tax office. 

After months of calls and discussions with FAMC, I 'm unable to reach a resolution, even after the XXXX XXXX XXXX XXXX explained what happened to FAMC. I ca n't believe that I 'm the only customer this has happened to. Please help! It 's sad that customers have to spend this much time resolving an issue. Why has n't the lender been proactive?

Company response to consumer: Closed with explanation