vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-25 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:
Incorrect information of inquiry by XXXX XXXX XXXX/XXXX/2015 and XXXX XXXX XXXX/XXXX/2015. 
They said they would not make a credit check on us. They said they would do a soft credit check that would not appear on our credit record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
At lease end, I turned in my leased XXXX XXXX XXXX, through Ally Bank, to the XXXX dealer. It was a 39 month lease and the car was was is very good condition with leads than XXXX miles on it. Prior to turn in the dealer manager and I throuroughly examined it and estimated repair costs for scratches and I decided to turn it in as is. 
When Ally sent the the repair bill, it included a dent that myself nor the body shop manager saw, I washed waxed and went over the car with extreme care and there was no dent. I called Ally to complain and was told a rep would ( and did ) contact me. The rep said the car was at auction and I would be informed of sale price. That never happened. I returned the last bill with an explanation about this and said I was not going to pay for a non existant dent, and continue to receive the same bill and no info about auction sale.it has been 2 months since turn in. Ally leasing has a policy that gives the leaser no way to dispute the inspection.i want the charge for the non existant dent removed from the bill.

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 monetary relief
Consumer complaint received 2016-04-19 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 am filling this complaint because Transunion has ignored my request to provide me with 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 accounts, under section XXXX ( XXXX ) ( XXXX ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 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 disputed this numerous times with Transunion and every time they " update '' my dispute by vaguely adjusting a filed in the tradeline. It is ridiculous on how they break the law on disputes. Well a XXXX XXXX XXXX account was finally removed a a few months ago and then they added it back to my file last month. Never received any letter stating they would add it back. I am in a mortgage review and this is crucial and I am in a sense of urgency. I have submitted a ton of letters and reports and they never directly handle my request concerns. This needs to stop because it is dramatically affecting my credit score. I have attached my last dispute letter and faxed over all credit reports including the one from them showing the tradeline gone.

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 2015-10-06 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 having an issue with XXXX XXXX XXXX Improperly reporting late payments for a collection they agreed to terms of partial payments in the amount of {$10.00} on top of our monthly usage bill to service continuing. I feel as i was improperly informed that they would keep reporting every month that the account was 180 days late. Myself and XXXX XXXX cames to terms of agreement that I could pay the past due balance as partial payment thinking my credit would not be affected by this and I could continue services with the company. At the time of agreement XXXX XXXX did not disclose any credit reporting in this matter they simply exclaimed i could not recieve services unless I paid the balance in full or paid in partial payments. I noticed they reported 180 days late for 46 consecutive months. I have never been 30 days late or more on this agreement or my monthly bill. Since I have paid the balance completely off in full on XXXX XXXX 2015. My account is active and still in good standings. My wife and I have contacted XXXX XXXX on several occasions and all they tell me is this is part of my history for the account. My problem is I do not feel these late remarks should not be on my credit report due to the fact I have paid our agreement and my bill on time all of those 46 months. I also feel as if I was decieved by them not fully disclosing any information on them even reporting to the credit bureaus. I feel as if this is an unfair business practice. I have talked to them on several occasions and they do not wish to work toward a resolution. They keep giving me different information everytime and transerring me to different represenatives with no solution for the matter. I 've also tried to get a letter of full debt payoff or paid in full letter and they also exclaimed they do not do that. But the main issue is unfairly reporting 180 days late for 46 consecutive months and it has devastated my credit report. I have decided to come here with this matter to see if we can get a resolution. Thank you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed a chapter XXXX bankruptcy and Transunion in the public records section of my credit report has an amount listed.No amount can show in a discharged account by federal law no amount is showing on my XXXX account under the same category.I tried to dispute on Transunions site but for some reason it kept timing out.This is for 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 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a chapter XXXX Bankruptcy on my credit bureau that does not belong to me. I have disputed the incorrect information several times and each time the credit bureau responds that it is verified. How can they verify something that is not correct? Apparently the law does not state how they are allowed to verify a bankruptcy and because the court does not verify they can use any 3rd party service they want to so called verify it. This is according to the credit bureau themselves, so not that they care its wrong as long as they verify it from some hack third party verification service that has it wrong. This misinformation has haunted my credit bureau for almost 7 years and I cant believe that a credit bureau has this much power and makes it so hard to get incorrect information off a report. The law needs to change and bureaus held accountable.

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: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have previously disputed this credit card account from XXXX with both Transunion and XXXX. I have disputed the account several times and each time receive a different response from Transunion. The updates/responses I have received are- no payment information provided on my report or incorrect payment information reported on my account. I have also written to XXXX asking them to provide me with the payment history on the account and to verify the accuracy. I continue to get the same form letter from them which is attached as a file below. 
This account was charged off in XX/XX/2009, it has been charged off for more than seven years and should be deleted from my Transunion credit report. I have experienced re-aging on this account multiple times. And seen from the screenshot below there is no payment information attached to the account right now just a last payment date which is not accurate. 
Please delete the XXXX credit card account from my Transunion 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 2016-10-03 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:
All of my inquires with TransUnion were removed and the illegally added them back, without my knowledge. This violated my consumer protection rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18 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: NY

Complaint narrative:
I have requested my credit report from all XXXX agencies. The first time, I tried to do it online and I experienced computer errors, the 2nd time, I called in and followed the pronts. I only got XXXX of the XXXX and when I asked Transunion again, they said they alreadyeady sent me a report. I do not have a report from Transunion and I advised them of that and they still have not sent me my free annual credit report.

Company public response: Company 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:
Transunion is currently reporting XXXX closed XXXX loans with a current status XXXX 120 days past due date XXXX when the accounts were PAID/CLOSED in XXXX 2014. 

also these accounts were never late they were always in the deferred status with no payment due but they are reporting them as 120 days past due XXXX # XXXX {$17000.00} XXXX # XXXX {$19000.00}

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 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX department store reported me late for payment XX/XX/XXXX and XX/XX/XXXX but did pay in full interest, late fee and payment XX/XX/XXXX and XX/XX/XXXX. contacted XXXX XXXX to have them remove late payment notived with all XXXX credit reporting agencies but XXXX XXXX department store is willing even though ful payment was payed including late fee, interest and balance. this late payment reporting by XXXX XXXX to all credit reporting agencies has lwered my credid score resulting in my husband NOt qualifying for thet op tier 30 year home refinance of 4 % but rather qualifying for 4.25 % 30 year. ALL because i was lateyes twice but also did pay the late fee, interest and balance to XXXX XXXX department store

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Here is what I sent : Dear Sir : You need take all of the following off my credit report. It is required by law to eliminate after 6 years ( Colorado ). Needs to be removed from credit report / much misinformation as shown below / 6 years past communication with creditor per Colorado statute : XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX All payment stopped / never made - XX/XX/XXXX ( Past 6 years ) XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Payment stopped XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Missed payment / XXXX XXXX XXXX Past 6 years ) XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Payment stopped XXXX XXXX XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX All payments stopped XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Missed payments All Payment stopped XXXX XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX, XXXX XXXX Missed payments All payments stopped XXXX XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missed payments All payments stopped XXXX XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missed payment All payments stopped as of XXXX XXXX, XXXX XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Missed payments All payments stopped as of XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX, XXXX XXXX Missed payments All Payments stopped as of XXXX XXXX, XXXX ( past 6 years ) This is the second request. Respond to my request. 
Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX , XXXX XXXX, Co XXXXPrevious address : XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXXMost if not all of this issue is 7 years or older. Also live in Colorado and I understand it is 6 years for things to be removed. I have not talked to or made any agreements with any bank or organization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I was involved in a small fender bender while driving a rented car from enterprise leasing while I was back in between XXXX in XXXX. It was just a small fender bender and no one was hurt and only small scratches to the bumper as confirmed by the police report. I had purchased the rental insurance at the time of renting the auto and I had my own personal insurance through XXXX as well. The accident happened XX/XX/XXXX. I went back oversees on tour and while away I was sent a collection letter from a company named XXXX claiming I owed {$28000.00} dated XX/XX/XXXX. I did not see the letter till I returned and was shocked. I called and explained that I didnt owe them anything I had insurance and they didnt care. I called XXXX and they said they couldnt find any record of anything and then I contacted XXXX. XXXX looked into it and they were sent the claim. They refused to pay the claim becasue they said it was too high and frivolous. They claimed that if I was served or sued they would pay the claim but thats it. I consulted an attorney and they were unable to do anything. I went back for another tour and just figured I would have to wait and see if they served me. When I got back nothing had happened. So I went to get approved to buy a home and when they pulled my credit I was shocked to find that the collection was showing from XXXX on my transunion credit report. It wasnt on any of the others but none the less it was keeping me from getting a mortgage and buying a home. I disputed the account through transunion twice sending the proof that I didnt owe anyone because I had insurance. They just verified the information both times and I still cant get approved on the mortgage. I had to end up renting again and paying more than I was going to pay for buying a home. Please help me get this off my credit report it is not fair and shouldnt be on there. It has nothing to do with me not paying a loan and its clear that I dont owe it because insurance should have already paid it. Lastly they did all of this to me while I was XXXX. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I did not request credit from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I found out I had a collection placed on my credit report around XXXX 2015, information appears to be related to an apartment rental at an address that I am not associated with and I disputed as fraud and the credit bureau refuses to remove. I was sent a copy of a lease from the collection agency, but it is not for an address that I have ever lived at and does not appear on my credit report. I have notified the credit bureau of possible identity theft, but the collection has remained on my file. I was never notified by the collection agency prior to this being placed on my credit report, but disputed as fraud and they continue to 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 2016-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I legally changed my last name to my maiden name, and I have the court order. I sent the court order to Trans Union and up to date, they still show my old last name. Trans Union claims that my creditors report me with my last name which is not accurate since I notified ALL and the name was in fact changed. I changed my SS, XXXX, Driver 's license, however, Trans Union will not change my last name. This is causing me a huge burden as I had no choice than to freeze 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 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The item XXXX, Account number XXXX classified as an individual, utility company account was opened on XXXX/XXXX/2015 and maintained in good faith to be paid in full, every charge which was relayed to the XXXX residence. The date of delinquency first reported was XXXX. This is the same date as the final payment which was provided immediately upon notification of a delinquency in the amount of {$97.00}. The item XXXX is delinquent because, I changed the address on file from XXXX Address to Second Address to which they failed to send notification of an outstanding balance. We received no correspondence indicating an outstanding balance before it was sent to a collection agency and reported to you. Upon notification from the collection agency of an outstanding balance to our new residence we paid the balance IMMEDIATELY in full, which was to include a late charge. Because of this administrative failure by the XXXX Company my family has a now tarnished perfect credit report history, which is to say we have never missed a payment of any kind. I request an investigation to be performed to include any position which might dispute my claim. I attempted to contact the XXXX management to view my previous account and was told that this function was not possible. I also tried to verify phone transcripts and was told this was also not possible. If no proof can be found which invalidates my claim OR if my since closed account payment transcripts are not available I respectfully request that pursuant under the Annotated Code of Maryland XXXX XXXX, et seq and under Common Law basis XXXX my credit report is updated by the item XXXX being removed from a delinquent position to accurately reflect this truth.

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 2017-03-03 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:
TRANSUNION STATES INQUIRIES ARE FACTUAL DATA AND CAN NOT BE DISPUTED. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD E DELETED 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 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have been on a debt mgt program since XX/XX/2016 yet some of the credit card companies have been reporting me late. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I noticed several inquiries that had been deleted reappear on my credit report and double report. I called transunion customer service and explained several inquiries are showing up on credit report that were gone. After she explained she could not help me i asked for a supervisor and after a long hold was disconnected.

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