vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed Transunion that I do no have a balance owed on XXXX XXXX XXXX, acct XXXX .... I submitted documentation to Transunion that I have sent certified mail via USPS to address on file with Transunion and creditor, XXXX XXXX REFUSED deliver usps tracking number XXXX. I then asked Transunion to delete item from my credit report as unverifiable, but Transunion replied Charged off as bad debt|Dispute resolved ; reported by grantor. I do not owe this creditor. The creditor is unwilling to verify any balances with me nor accept any correspondence from me attempting to do so. I also supplies Transunion with a letter from my attorney demanding that XXXX XXXX remove all negative reporting until we are able to verify account. Transunion blatantly ignored my request. I asked that Transunion provide me with how they are obtaining this verification from creditor and that too has been denied. This creditor updates my information randomly with inaccurate information effecting my daily credit scores. Most recently creditor updated file on XXXX/XXXX/2016 that I owed {$8500.00} an additional amount after verifying I supposedly owed {$8400.00} on XXXX/XXXX/2016 and XXXX on XXXX/XXXX/2016. This creditor is intentionally trying to destroy my credit by updating false information and Transunion is an accomplice to the act by refusing to accept my documentation that the debt does not exist or remove it until company is willing to provide documentation.

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 2016-04-04 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:
There is nothing FAIR in the federal Fair Credit Reporting Act if a consumer has to pay for their OWN credit score. Why does a consumer have to PAY for their own credit score? Anyone else seems to be able to obtain it, except the consumer. This is outrageous! 
Does n't this fall under the FOIA? Is there anything really " Federal '' about the federal FCRA? If so, why am I being addressed on the phone by someone in 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 2015-05-01 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:
I disputed information to be incorrect regarding dismissed bankruptcies. I have never been in court on such a matter and was told they verified this through a XXXX party called pacer. XXXX has no such files under my ss # and again I let them know that. Still they continue to report it even after submitting the proper theft report and affidavits si, ply stating there was no info on file. This is a violation of XXXX and other laws under FCRA and FACRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Transunion was hacked and my credit report file, a hacker set up an account using my SS # and was sent credit reports by Transunion with all my information. the hacker then opened various accounts and also opened several cell phone accounts with XXXX and we got the notice and welcoming packet from XXXX sent to me at my home address, this started us investigating and found the fraudulent account set up on Transunion ... ... ..they never contacted my wife to say that the account was set up.

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 2017-01-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I am a victim of identity theft and have been a victim of identity theft for over 10 years. I have some unauthorized and fraudulent credit inquiries listed on my Trans Union Credit Report. The following credit inquiries are fraudulent and unauthorized : XXXX, XX/XX/2017, XXXX, XX/XX/2017, XXXX, XX/XX/2017. Further, I have employment information that do n't belong to me. I have never been employed at 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 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have disputed multiple times the incorrect information being reported for an installment loan from XXXX Mortgage that 's has been continually reported as a mortgage loan and now I am unable to qualify for a first time home buyer loan due to this issue so I am unable to purchase a home and I am going to have nowhere to live due to the fact that my current lease is getting ready to expire.. PLEASE help me, I do n't know what else to do, myself and my son are in a very difficult situation and I need immediate assistance. 

I from the bottom of my heart appreciate your immediate assistance. 
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 2016-12-10 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:
Please be advised, this company was already put on notice and sent documentation I am a victim of identity theft. Transunion provided my personal credit information to companies without ANY PERMISSIBLE PURPOSE under FCRA 604. 

I have attempted to dispute several inquiries with Transunion and they refuse to investigate these fraudulent inquiries. I have contacted all creditors listed below directly and they have referred me back to Transunion, I 'm getting the run around. These inquiries into my credit file were not authorized. 

XXXX Requested On : XX/XX/2016, XX/XX/2016 XXXX XXXX Requested On : XX/XX/2016 XXXX Requested On : XX/XX/2016 XXXX Requested On : XX/XX/2016 I am requesting these inquiries be removed from my credit file as they had no permissible purpose to even access it. Per FCRA. 

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 non-monetary relief
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My Wife, XXXX XXXX, opened a checking account with XXXX and later applied for a credit card with them in her name only in XXXX. In XXXX of XXXX she requested that my name, XXXX XXXX be added as an authorized user to the card that was only in her name. Apparently USAA decided to add me as a joint account user on the account which I never gave permission to. This business was conducted over the phone and I expressly informed the representative on the phone that I was in no way to be responsible for her credit card account. I never received any correspondence regarding to the account nor did I receive any account statements regarding the account. I only found out that my name was associated with the account when I requested my Credit report in XXXX time frame of XXXX. XXXX, my wife filed for Bankrupt status In XXXX of XXXX after which I called numerous times to XXXX to try to resolve the situation and they basically ignored me and told me that my wife had added me as a joint account holder which never happened. I surmise that after her Bankrupt filing that they took it upon themselves to try and collect her debt form me. My wife has no Power of Attorney from me and I never signed anything or agreed by phone to be responsible for this credit card 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 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit bureau reporting unverified accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have filed a dispute with Transunion several times I have with through this Bureau of Consumer serveral times as well. Im at my wits in. I have disputed items on my credit report with Transunion I have had fraud alerts placed on my account it has been past 30-45 days since my dispute and yet nothing has been communicated back to me and according to the fair trade act it should be removed along with the XXXX hard inquires that are report from XX/XX/XXXX-XX/XX/XXXX. Please handle and resolve this once again

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 2016-02-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans union asked for the account # for the debt I paid, and then we got disconnected. I called back as I had found it not even 3 minutes later and an automated voice told me I was being investigated, so I could not speak to any one. The trans union worker on the phone wanted the account # of the account I paid. It is account # is XXXX and the amount paid was {$140.00}, with XXXX 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 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have inquires on my credit report that do not belong to me. I have not applied for loans or cards from these companies but I still have hard inquired on my credit report Here are a list of inquires that are NOT mine see below. 
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 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion has let XXXX XXXX XXXX report incorrect information on my credit report for months. The only way I have gotten some of it fixed was with multiple disputes, which then let XXXX XXXX XXXX refresh my collection as if it was a brand new trade line, which is incorrect. 

XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.

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 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I apply for a credit line with XXXX and I was approved. But on my credit report with Trans union appear a credit inquiry, like it was n't aproved. My dispute with Trans Union is, if I was aproved why I have the negative inquiry in my report. Thank you for taking care of this issue. 
I been working hard in rebuilding my credit. Please remove it 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 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. XXXX ( b ) Transunion is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.

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 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I disputed a credit discrepancy on my Transunion account against XXXX XXXX on XX/XX/2016 and by XX/XX/2016 the account was not removed in accordance with the law. I call the bureau and they still did not remove 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 2016-10-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section XXXX ( c ). 
It constitutes your agreement to compensate me for this predetermined sum of {$10000.00} per document. 
Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ XXXX XXXX. XXXX ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 

Sincerely, 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 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX claims I owed them money after I returned my leased vehicle 13 months early. I dispute I owe XXXX XXXX any money because of overcharges. XXXX XXXX agreed to adjust the amount owed and I paid the amount in full the following month. I still dispute I owe XXXX any money. XXXX ( XXXX ) agreed to have my credit scores fixed after paying off the adjusted amount. I paid the disputed amount so my credit scores would be fixed and I could refinance my home loan. My credit scores are still inaccurate because of XXXX XXXX not send the correct information to the credit companies.

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 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
All my hard inquiries were deleted and then added back

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 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently brought a new house in XXXX 2015. After buying the house throughXXXX XXXX XXXX XXXX they sold to mortgage to XXXX XXXX. 
However, XXXX is displaying on my credit report, so it shows that I 'm payingon over XXXX dollars in debt. The house cost {$220000.00} and it showstwice on my report. XXXX has sent an control number ( XXXX ) the XXXX and Trans Union andthey have yet to correct the error. Since I have gotten denied credit because itshows I have to much debt. I request to have Primary removed or correctedASAP! Please assist me with this issues as the agencies have had over 3months to correct this error

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is reporting a collection account for XXXX XXXX in the amount of {$79.00} account XXXX that was never validated. I have asked for a detailed explanation of the charges, a copy of the assignment and other information that they legally should provide before reporting an account according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )

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 2015-11-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: MD

Complaint narrative:
This is my 3rd complaint against this same " mortgage company '' I 've been trying to get this mortgage to honor the agreement that I had with XXXX XXXX XXXX for 2 years now. I mailed a certified letter on XX/XX/XXXX signed on XX/XX/XXXX to BSI Financial for the following documents to be sent to me. As of XXXX. I have not received ANY documents. The documents that I requested were my Hud-1 Settlement Statement, Copy of the Promissory Note, Deed of Trust, XXXX Uniform Loan Application, Truth in Lending Disclosure, Good Faith Estimate, Copy of XXXX ( XX/XX/XXXX ) ; Copy of tax credit, Copy of PMI/Title Policy. If this company is a legitimate company providing the requested documents should n't be a problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
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: IN

Complaint narrative:
Transunion has failed to give me investigation result.

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 2015-08-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Besides the HORRIBLE customer service. I was lied to. I spoke with a rep from Ally on XXXX who took a payment from me in the amount of {$740.00}. She informed me that the amount would cover my past due amount for XXXX XXXX payment along with the late fees assessed in the account. Since she could not take the payment via her system for a future dated payment, she informed me that I would need to go online to schedule the payment for the XXXX and provide her with the confirmation number. I did. I also doubled checked to make sure that this amount that was being paid was going to bring my account completely current along with no more late fees. She said YES. She said you will be completely current however I would be due for XXXX payment just in a few days on XXXX. She asked about hat payment and I advised her that I would be able to make it at the end of this month. She told me that as long as I paid by the end of the month, that I will be ok and not accessed a late fee. I receive a collections call on XXXX stating that I am past due a payment for XXXX and that my late fees were over {$500.00}. I did n't understand why I even still had late fees after I made the payment of {$740.00}. She explained to me that the payment posted to my principle balance and not to any of the late fees. I told her that had to be a mistake bc the rep told me AND online told me that my payment with late fees was {$740.00}. She told me that she was going to open up a research request and that someone would call me within 24-48 hours. No one ever called. So today, XXXX I called back to get a status update and the young lady told me that the research had been done and that there was no extra payment made. My payments are {$470.00} every month. She then went to tell me that the remaining was applied to my returned payments from XXXX and XXXX!? Although those payments were returned, they were made up! I made the payments for the month of XXXX and XXXX! Something is n't adding up. Ally could n't verbally explain to me what was going on so they just indicated to me they will send me a copy of the billing history. I do n't need a copy, I have my own via bank statements! All in all, I was lied to and mislead to believe that my payment was being made to cover my XXXX payment plus late fees from the rep and online. The reasoning they are giving does n't sound right! I feel like they are just telling me something and its really challenging my intelligence. Please take a look into this ... anything that is needed I will provide.

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