vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I signed up for a " free trial '' transunion credit monitoring service and I was charged {$19.00}! 
Upon contacting them, I spoke to XXXX who said I could NOT get a refund. She gave me a confirmation number relating to our conversation XXXX. She canceled my membership but refused to issue a refund.

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 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was seeking XXXX of my free credit reports and so I went to the FTC website at XXXX I followed the recommended link to XXXX I filled everything out and selected TransUnion. I filled more forms out for them, eventually it came time to access my credit report and they required me to fill out a card number form. I thought this was part of the process of getting my free credit report. Nowhere did it say they were going to charge me {$1.00} or sign me up for any services, there was no agreement or information regarding this. I gave them my card number to access my credit score and received an email about a charge that they had made for {$1.00}, which I did not authorize. I contacted my bank and they said that I would be charged again as part of a service if I did not cancel. This was news to me. I immediately canceled. I called TransUnion to get a refund, but they asked me for my social security number and my credit card number. I can not trust this company and do not want to interact with them regarding personal information. I simply want them to refund my money, I provided them an order number which should be enough. I am disappointed that a .gov website sent me to a finance company that is capable of such a fraudulent scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hi I stayed In XXXX XXXX apartment and after 16 months and I had a lease for six months which got expired in the month of XXXX 2015. I did not renew the lease and My landlarod agreed to extent the lease for 2 month but he did not sent any renewal lease papers .In the month of XXXX dated XX/XX/2015 he sent me notice to vacate the apartment. I vacated the apartment as per dead line and hand over the keys. Now he is asking to pay the rent for three months even did not return even my deposit. I am enclosing the Notice and letter sent by my Attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$3500.00}.

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 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a Home Equity Mortgage Loan that originated XX/XX/XXXX, I was XXXX XX/XX/XXXX and Requested the SCRA Protection on my XXXX Account, it had a Adjustable Rate that was a 10.99 % APR at the time. The Account was closed a few months after I was on XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX and it was reported that my payments were delinquent several times to all of the credit reporting Agencies, and that I had stopped making the Payments in XXXX of XXXX, but that was because I had paid the XXXX account off in full. I continued to make payments on the other account until I had realized that I had made so many payments that had been said to be late, while I was XXXX that I had paid the account 8 months in advance. The account had been attached to my XXXX checking account, and was the over draft protection before it had been closed, but was still being withdrawn from after I closed my checking account. I 'm going to provided the XXXX account statements and the checking account statements since both of the accounts have been closed for over 5 years. The XXXX account has been reported as charged off in XXXX XXXX, but I was recently informed that a Certificate of Satisfaction was filed in the Deeds of Records Office XX/XX/XXXX for the XXXX Loan. I was never informed of this information by XXXX XXXX XXXX, but a Settlement Waiver was mailed to my old address dated XX/XX/XXXX, regarding the XXXX Mortgage account and it said it was in response to the XX/XX/XXXX Mortgage Settlement for SCRA Violations with the CFPB and the Department of Justice, which is news to me. I was XXXX from XX/XX/XXXX until XX/XX/XXXX on back to back XXXX, but my Clearance was Adjudicated while I was in XXXX and the XXXX account was one of great interest, since I had filed a law suit about the account and been providing documents to the Adjudicators for the past 10 years claiming to be a victim of the SCRA cases that had been settled, but my credit report had n't seemed to be effected. I have saved my documents for all of my accounts, but I had n't been contacted until recently.

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 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wrote a letter to trans union asking them to remove my Bankruptcy from there file. I did this back on XXXX/XXXX/XXXX. I got a letter from them dated XXXX/XXXX/XXXX telling me that it has been verified. Keep in mind the Texas Federal Courts DO NOT report anything to the various credit bureaus, nor do they verify the information reported is accurate.

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 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are things on my report that are not correct. Balance s that are incorrect. Things that are XXXX years old that should have dropped off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have sent Trans Union requests to investigate and remove unauthorized inquiries from my credit report/file that were not initiated by me and they are not responding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 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:
I have filed multiple disputes about an aged out student loan delinquency on my report. I have never received any findings from transunion. When I log back in, i see that the date the delinquency is constantly moved back so that it never falls off. I have called and reported this and Transunion tells me that there is nothing they can do about it. No matter how many times I report it, nothing is ever done. All of the other agencies have taken care of it, but they refuse to do anything about it and are rude when approached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-19 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:
Dear sir. 
I HAVE DISPUTED THE FOLLOWING NAMES AND ADDRESSES FROM MY CREDIT REPORTFOR SO MANY TIME, BUT TRANSUNION AND XXXX NEVER ACKNOWLEDGE THE FACT BEHIND THE DISPUTE. 
I attached a copy containing the names and addressesI also attached a copy my utility bill as a proof of my name and address

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
transUnion told me that they will not reinvestigate a public record that 's not mine because they tell me they have information saying that it 's correct but they will not provide the proof they supposedly got about the public record

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 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
An address I do not recognize has appeared on my credit report. I have never lived or worked at the following address : XXXX XXXX XXXX XXXX XXXX, NY XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's 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 2015-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Last ReportedXX/XX/XXXX XXXX XX/XX/XXXXCollection AgencyXXXX XXXXOriginal CreditorXXXX XXXX NEVADA XXXX XXXXStatusOpenOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXClosed Date -- ResponsibilityIndividualBalance $ XXXXHigh Balance $ XXXXRemarksPlaced for collectionXXXX has sent me correspondence offering me to pay XXXX but i wont becausethe highest credit line i had with them was XXXX and my last bill was not that muchalso wasted my time i wanted higher limit and after 6 months would not do soi had to pay to enroll credit card and pay yearly feesi would offer to pay in installments past due amount before all these crazy fees minus enrollment fees and yearly fees due to not honoring the credit limit increase waste of time in trying to build credit

Company public response: Company 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: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion has placed false and misleading information on my credit report that led to me being turned down for credit ( {$130.00} to XXXX XXXX XXXX of Virginia and {$51.00} to XXXX XXXX XXXX of Virginia was 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 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I closed this account by turning in the mobile phone on time and they added another payment to the account when the account was closed. I would not pay it and they sent it to collections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 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: PA

Complaint narrative:
Ive tried numerous times in writing and phone calls to retrieve my free annual credit report to no avail..the information they have is incorrect such as ..i had bought a house ..i cant get past the questions to retrieve my report..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is not responding to investigate numerous fraudulent inquiries in my credit file that were not initiated by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have a bill in collections from XXXX and it is because my initial bill was on a payment plan which was agreed to by the original creditor as they set me up on the plan. I received a letter on XXXX/XXXX/XXXX stating as of XXXX/XXXX/XXXX that I was being placed in collections. I called the original creditor the bill was with and they stated it was an error on behalf of the XXXX party and they were just supposed to be handling the bill. They looked and confirmed the bill was up to date and never late and my final payment was to be paid XXXX/XXXX/XXXX. I received a confirmation email that I paid the bill in full once the final installment was paid. Suddenly in XXXX XXXX I received a notice on my credit report that I was turned into collections. I then called the original creditor XXXX/XXXX/XXXX and asked them why they did this. They called the debt collector and said it was straightened out but they said there was no guarantee it could be taken off my credit report. In essence I was turned into a collection agency in a fraudulent manner. I then disputed the ding on my credit with Transunion and XXXX, with Transunion showing as it being open and outstanding and XXXX showing that the bill was paid and closed but still in collections. XXXX went ahead and deleted the blemish from my credit report but transition changed their status to paid and closed but in collections. They also resported the information in an inconsistent manner. I have emails about the payment plan and proof through my bank statements that the payment was taken out each month for several months on the agreed dates. I truly feel that I was wronged in this matter and I am extremely dissatisfied with the initial creditor, the collections company, as well as transunion. I am in the process of eliminating my debts and trying to purchase a house and now I have a collection listed on my credit and I will go to any length to have this removed from my Transunion report and have the correct information reflecting on my credit report. If I would have known this blunder would have occurred I would have just suffered a bit more and paid the bill in full. I want my credit report to go back to the way it was. If I am not able to get a proper resolution I will likely see about taking the original medical creditor and the debt collector to small claims court, or possibly even seek a lawyer to take legal action against them. The original creditor was XXXX and the collection company is XXXX The date of service was in the XXXX of XXXX XXXX a hospital in XXXX, colorado.

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 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your Company XXXX, GA XXXX. 
for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously harmed my credit. I have Consider class action Law suit against the Credit Reporting Agency XXXX. claimed that XXXX violated the FCRA by the company XXXX allegedly erroneous reporting of XXXX XXXX XXXX on credit file.

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 2015-10-01 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have filed for Chapter XXXX and was granted a discharge of all debts, including an Auto loan from Ally Financial. They are still reporting this loan as delinquent to a number of credit reporting agencies. Did send them a letter to stop reporting on this debt, but they will not comply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submit a identity theft Affidavit to Trans union by certified mail they received it XXXX XXXX that the should block the fraudulent acc that on my credit. I called sever times to speak to supervisor the said they filled out a form for someone to call me back. they will not follow the laws.

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 2016-02-10 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
When I log into my Ally Bank account, it used to always send me a one-time login code to my email address. I always check 'this is a public computer ' so they will always require the code, as I sometimes have guests and would rather not have reason to suspect a guest if somebody hacks into my account. I also occasionally access my account from the public library. Recently, the last few times I 've logged in, it has NOT sent me a one-time login code to my email address, thereby increasing the chance that a guest, or somebody at the library, could hack into my account. I have contacted Ally several times, asking that they re-set my default login to requiring the one-time login code for my security. " do not EVER allow anyone including me to access my account without sending a confirmation email to my XXXXXXXXXXXX email address. I am on a public computer and will hold Ally responsible if there is any misuse of my account. This is the second time I am contacting Ally about this. If it happens again I will file a complaint with the CFPB. '' They responded that " we can not comply with this email verification process ''. Which is XXXX. Ally has previously required such email verification, and other online banks require it. There is no reason that Ally - an exclusively online bank, which should be at the forefront of internet security - can not do this ; they 've been requiring an emailed one-time verification code for as long as I 've been a customer there except for the past month or XXXX. Please encourage Ally to be more proactive in internet security and more responsive to customer needs by requiring such a code to be entered when I log in. 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 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My Trans Union Credit Report Shows A balance After My Chapter XXXX Bankruptcy Was Discharged. 
Reference Number XXXX Court Circuit Court Date XXXX XXXX, 2012 Status Discharged in Bankruptcy Amount {$13000.00} Classification Legal Item Type legal items

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 status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I disputed the XXXX account on my Trans Union Bureau as paid in full. I sent them a copy of the paid letter attached. They did not remove the balance.

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 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
IRS sent a notice of a tax lien. Upon the same date of making payment, XXXX/XXXX/2010, I learned that a tax lien was filed. Have not been able to get any help from IRS or credit bureaus as to why a lien was filed on the same day it was paid.

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