vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I responded on XXXX/XXXX/15 for reinvestigation and have not received response back from TransUnion case # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, I tried to get Internet for my family and was told that there is a fraud alert on one of my credit reports. I am not sure which one, but I did n't not make any oh one call placing this on my credit report. Please contact me on how to resolve this issue. I am also in the procks of trying to purchase a new home. Effect would be greatly appreciated. A Transunion credit report investigation is being requested at this time. 

Thank you, 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 2016-06-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Back on Sunday XXXX XXXX XXXX our leased auto was totaled in a car accident. Our insurance company paid the monies owed on the lease. According to an investigation by the State of New Jersey Department of Insurance Division of Insurance Consumer Protection Services Dated XXXX XXXX XXXX. " The driver of the vehicle that pulled out directly in front of us was found to be XXXX liable for the accident and damages sustained due to his failure to yield the right of way of traffic. '' It also appears that you have GAP insurance on your lease so you would not have incurred any additional fees. '' On XXXX XXXX XXXX ALLY FINANCIAL closed the account as Latest Status : Collection/Charge-Off with a balance of {$690.00} Closed - Derogatory We have sent several certified letters to ALLY Financial disputing this balance along with placed disputes with XXXX and XXXX. We would like this claimed balance owed to be removed from all credit reports and closed with paid as agreed.

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 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have an employer from 2008 that is listed on my credit report that I was never aware of. I was employed for only 2 months with this employer and have no idea why they would be on my credit report. I have never signed anything from this employer that would warrant them to be on this report and it has been almost 8 years that this has affected my credit. I would like this removed. This was unjust and would please like a response. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-03 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:
XXXX XXXX XXXX is reporting that I had an account written off for {$780.00}. TransUnion refuses to remove this false information. This account was my adult son 's account. I use to allow him to use my credit card to pay his bill. My name was never on the account ( which was through XXXX ). I was not present when he opened the account ; and I did not sign any paperwork. I simply paid some of his bills, so they are illegally reporting this as MY debt. In addition, the " last date of activity '' is listed as XX/XX/2014. I applied for XXXX XXXX XXXX XXXX cable services then. This is false as well. I am currently a customer of XXXX XXXX XXXX for the cable services I applied for. I do not believe that TransUnion has investigated the validity of my liability for this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Went to lease a new Toyota Prius. The dealership made a deal without checking my credit report. They advertise XXXX+ FICO credit rating. My credit cards free FICO report showed XXXX+ on my statements, so I was n't worried. After transferring insurance and making the down payment, a person from the finance department showed up and said, we have a problem, my credit rating is less than XXXX. I asked ; which credit FICO or Vantage? His answer was ; Your XXXX. That is your credit, if you want the car the payment will be {$65.00} more.Being my insurance already transferred at that time, I decided I can pay for the new amount, but I still do n't think that is the right amount or that was the right way to make the deal. Also, I have a feeling they use, Instead of FICO, the Vintage credit score wich in most cases much lower, again Toyota advertises FICO!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have tried to reach TransUnion to no avail ... they are NOT responsive. 
They have me listed as a " delinquent account '' with XXXX XXXX XXXX which is totally inaccurate. I charged a recliner with XXXX in XXXX XXXX ( or XXXX ) for $ XXXX with XXXX XXXX XXXX. I paid monthly for a year and totally paid it off! Then I considered buying a bedroom set with XXXX ( XXXX?? ) and the salesman noted that I already had an account with XXXX XXXX. However, I DID NOT BUY THE BEDROOM SET! But ever since then TransUnion has reported me as having an account and being delinquent which is totally INACCURATE. They have messed up my credit score unfairly and this issue needs to be resolved once and for all. There is NO account with XXXX XXXX XXXX. ( I have receipt for recliner but do n't know how to attach 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 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed inquires from XXXX XXXX to XXXX XXXX because they were unauthorized, They sent me a letter telling me to contact the company, when i did contact the companies they did not respond either. I sent another letter telling transunion that and they sent another letter saying that all inquires are accurate to contact the creditor. I called transunion and they removed them only to add them back on my report 2 weeks later without a notice. A car loan from XXXX i disputed because i never agreed to a car note. I contacted the people who had the car and they told me that there was nothing i could do even though i was not liable for that account. When i disputed the account they told me they got information that it was my account. I asked them to send me information that helped them reach that answer and was told they couldnt sent that information to me it was against the law. 
The collection account listed is not reporting right, i asked them to remove the inaccurate account and i never got a result letter in the mail. for 2 years i have been disputing the negative accounts because they were inaccurate to only get the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Transunion removed all my inquiries and then added them right back without 5 days notice which is the law on putting items removed back on the report. Also removed my negative accounts and collections then added them back also without the 5 days prior notice. With this being done it dropped my score significantly. I 'm not the only one this has happen to.

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 2015-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
They have multiple entries on my credit report which is hurting my score. This account was never validated and has supposedly been removed from trans union. This was a debt that by women s hospital their policy is to pay for services before they are rendered. This account was paid before service were rendered. This account needs to be removed from all XXXX credit agencies due to fraud as well as multiple incorrect entries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX placed a collection tradeline on my credit report some years back. The account was settled and paid XX/XX/XXXX. The account was removed from my transunion credit report XX/XX/XXXX/XX/XX/XXXX. XX/XX/XXXX/XX/XX/XXXX it was reinserted on my credit report after it was already paid and previously removed. I disputed it with the credit reporting agency and they failed to remove it. I disputed it with XXXX and they 've also refused to remove it. 

I want it removed from not only Transunion but from all three credit bureaus

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 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TRANSUNION IS CONTINUOUSLY ALLOWING DEBT PURCHASING COMPANIES TO PLACE DEBT ON MY REPORT WITH NO PROOF OR SIGNATURES OR VERIFICATION. i HAVE BEEN FIGHTING FOR THE PAST FIVE YEARS AND XXXX CLASS ACTION SUITS AGAINST THEM AND XXXX. I HAVE BEEN UNABLE TO PURCHASE HOME BEING KEPT IN BONDAGE OF RENTING AND HIGH INTEREST RATES FOR CREDIT!! I WANT THOSE OLD XXXX CARD AND XXXX DEBTS REMOVED. THE IRS IS ALSO CHARGING ME IM FIGHTING THE SAME ALLEGATION AND IT WAS CHARGED OFF AS WAGES FOR XXXX. I NEVER EVER HAD XXXX DOLLARS WORTH OF DEBT BEFORE THIS ALLEGATION ASIDE OF MY CAR. I ONLY WANT TO ACHIEVE THE AMERICAN DREAM BEFORE I DIE AS A RENTER!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion deleted all inquiries and also added them back on which is against FCRA. I would like them all removed for good. With no addition later

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 2016-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have several duplicate hard inquiries on my credit report from XXXX that were supposed to be removed but they are still there and affecting my ability to close on a house in 30 days. I am not working with this mortgage company. They should not be allowed to make multiple inquiries. I never game them permission to make multiple inquiries. 
The inquiries are as follows on Transunion, XXXX, and XXXX XXXX, XXXX inquiries on 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 2015-03-23 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:
After looking at my credit report, I saw a collection account that does not belong to me. This false information is ruining my credit and knowing full well this people did not do their job and allow people to just post false accounts on my report. They need to delete this information immediately and do a proper investigation as this information is not mine. The account is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
XXXX has refused to stop allowing an collection agency to report incorrect information on my credit report. XXXX receivedan email from the reporting student loan company that they had the wrong person. XXXX was made aware of the email and the fact that the student loan told XXXX that they had the wrong person in writing. XXXX has denied me the right to good credit with this incorrect information. This is affecting my life and my kids life. I 'm a homeless mother trying to buy a house. I ca n't with the fact that XXXX is ruining my life and any chance of financial help due to misleading information that is placed on my credit report. I 've filed a lawsuit against XXXX because of how I was treated by them and the lack of concern that was givven to my identity theft case and proof that the company admitted that they had the wrong person. They said they did n't care do what I had to do so that 's exactly what I did.

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 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed this with all XXXX agencies and requested the documentation used to verify this is my account. I have requested the name address that they used to validate this information and provide me with copies of any documentation associated with this account, bearing my signature. I have requested the name, address, phone number of who they verified this account with and they have ignored XXXX of my previous requests for a description of the investigation procedure. I have contact the number they have provided with no other information and spoke to the agency they have listed and was advised that they have not verified any account because they do not verify accounts or records they hold.

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 2016-12-29 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NH

Complaint narrative:
Ally Auto has reported a XXXX day late payment for the XX/XX/2016 payment. The payment was made online XX/XX/2016 on the XX/XX/XXXX day. I have asked Ally to review and correct and had no response. Below is the online confirmation of the payment made XX/XX/2016 : print View details : Make a Payment Account Account Number Login Date/Time Requested By Transaction Date/Time ( ET ) XXXX XXXX XXXX/XXXX/2016, XXXX am thomasgirard XX/XX/2016, XXXX am Note : Transaction Date/Time shown is Eastern Time Zone Payment Confirmation Number : XXXX Payment Type : online Total Amount Paid : {$370.00} Payment Date : XX/XX/2016 Payment Account Number : XXXX Payment Account Routing Number : 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 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
IRS removed some federal tax liens ( from the XXXX County Clerks office ) that do not exist there and are not public record since they do n't exist. Transunion continues to list it as public record in 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 2016-04-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I called Ally auto and inquiry about their ally grant program which is for individuals with low income. They did not tell me anything about the grant but other options. I wanted to find out why the grant organization did not tell me about the grant.

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 2015-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Personal Information Errors : Wrong name listed and Address I 've never lived at or used as a mailing address : XXXX, XXXX, XXXX and XXXX XXXX XXXX is the wrong name listedXXXX XXXX XXXX XXXX XXXX, TX XXXX is the address I 've never lived at or used as a mailing address. 

Personal Information Errors : Wrong name listed and Address I 've never lived at or used as a mailing address. 
This information is on my credit report and it is incorrect. That is not my name and it never has been and I have never used that name. The address is incorret as well, I have never lived or been to that address. I have never lived in XXXX tx.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The below address is not mine. I have never lived at that address. 
XXXX GA 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 2016-09-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Delbert Services
State: TN

Complaint narrative:
Obtained loan from Western Sky in XXXX XXXX immediately sold to XXXX ( loan officer said loan was with Western Sky but would be serviced by XXXX ). XXXX name on paperwork and all documentation in the mail. Paid for almost one year without any reduction in the loan principal. Did an amortization schedule to determine my 5 year loan would take 10 to repay. Called company because I could n't afford that and was not disclosed. Company agreed to lower interest to 89 % but this only shortened amortization to 7.5 years when my loan docs said 5. I quit paying. 
Several lawsuits and ban on Western Sky and XXXX. Was informed I would not have to repay a predatory lender. 
Now I am being harassed by a collection agency ( legal locator service ) that I am about to be sued for way more than I owed unless I can pay {$740.00} within 2 days.

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 2016-12-17 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from Ad Astra I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Ad Astra in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX has never been my account identity theft, fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing this complaint because XXXX, Transunion, XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these 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