vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After having recently been denied credit based on a report from TransUnion, I requested a copy of my credit report, found several inaccuracies, submitted a request for the credit report to be corrected, and subsequently received an e-mail notification that " Your Investigation is Complete '' with partial results. 

The top of that results page read, " If you are not satisfied with the resolution or the updated report ... then you may print and complete a Request for Investigation form and return it by mail. '' The underlined text linked to the URL XXXX, which says at the top of the page ( apparently incorrectly ) that consumer options include " Initiate an investigation at XXXX '' even though that is not actually an option. Visiting that URL and authenticating my information I was just brought back to the results page from the previous investigation, without any opportunity to report or request correction of new errors introduced into the report as a result of that investigation, or questions that went unaddressed. This is also true of the URL linked to at the bottom of the updated credit report, dispute.transunion.com. 

Further, the bottom of the page with the results of the investigation stated in small type " Should you wish to contact TransUnion, you XXXX do so, By Mail : TransUnion Consumer Relations, XXXX, XXXX, PA XXXX ; By Phone : ( XXXX ) XXXX. '' This ZIP code differs from the ZIP code for what is otherwise the same address, printed on the Investigation Request PDF ( URL given above ; XXXX ). 

When calling the phone number during listed hours, I was told it was the wrong number to call and I had to instead call XXXX to reach the Fraud Victim Assistance Department and re-authenticate with all my personal information again, without any capability of transfer or ability to ask questions of the rep. who answered at the published phone number, and without any automated system being able to recognize from the file number I 'd entered where to properly direct the call. In my last call, there was a full minute of silence on the other end of the line after entering in my file number as requested, suggesting the call had been disconnected. This is another step effectively discouraging inquiries. 

The above paragraphs describe ways in which TransUnion makes it considerably harder than necessary for consumers to correct misinformation that they are reporting about their credit history, and further decreases confidence in their competence for accurate reporting or sensible policies. 

Please set or enforce regulations that allow customers to request the correction of incorrect information included in credit bureau 's reports about them without unnecessary difficulties added into the process.

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 2015-11-25 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
This is my XXXX day ... Went to TD Bank on XXXX and XXXX XXXX pa.. Walking in to try to speak with customer service. Mind you just to get a replacement card now as we speak I 've been here for 1hr and half.. Still have n't been seen they have multiple tellers but XXXX customer service rep and she acts like she does n't want to even be here. I do n't understand I 've been to a few of your branches pa, ny but this XXXX is XXXX of the worst I 've ever been to.. XXXX to say the fact I need my card to get my money but another day I will go with out XXXX or I will have to go out my way to go to another brand .. XXXXpeople just walked out and yesterday was the same I thought if u come early maybe it would be different well it 's not .. Someone needs to come really see the mess Thts here : /. Because it 's a lot of people in need of a job if they do n't want to work ..

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 — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have contacted Trans Union several times since early XX/XX/XXXX to remove information on my credit report that belongs to someone else. The other person 's information on my report died in XX/XX/XXXX and because his SSN is similar to mine, I can not get Trans Union to remove his death claim from my credit report, in spite of my repeated requests. I am being denied car insurance and cell phone service because of their error. Every time I call Trans Union I am told " the problem will be fixed in 5 days '' but it is never fixed and no one really looks into it to help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21 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:
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX. Also, by TransUnion Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made XXXX aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report please.

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 2015-08-08 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:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have a private loan with Navient that was formerly XXXX XXXX. I started paying in 2006 and I have never defaulted or been late on a payment. I have been on forbearance a couple of times. After making many, many payments my original total {$10000.00} the balance has gone down less than {$200.00} on the XXXX loans I have with them. 
In the beginning of my loan they added on " capitalized interest '' in varying amounts from $ XXXX- {$1200.00}. They added that to my balance so they effectively have been charging me interest on top of interest. My interest rates are 7.5 % on XXXX of the loans and 9.5. % on the XXXX. 
I think the way they applied my payments, guaranteed that my principal balance would never go down. In fact, if I came close, my payment due adjusted to a slightly smaller amount. 
I am frustrated and have been discouraged that after paying thousands of dollars on this {$10000.00} the balance has only gone down {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
TransUnion credit bureau denies receipt of a request for deletion of a collection account from XXXX XXXX XXXX. XXXX XXXX XXXX informed me they sent the request on XXXX/XXXX/16. Today, XXXX/XXXX/16, XXXX XXXX informed me they sent a request to all XXXX credit bureaus a total of 3 times. XXXX XXXX is a 3rd party vender for the city of XXXX XXXX, who issued me citations because a tenant failed to water the lawn. I paid the citations in early XXXX, 2016.

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 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XX/XX/2016, inquiries were removed from my Transunion credit file and several days later they were placed back on my credit file. These inquiries were added back to my file and I was not notified in writing by Transunion. Per the Fair Credit Reporting Act ( FRCA ), Section 611 ( 5 ) ( b ) ( 2 ), that is against the law. I have tried for several days to speak with someone at Transunion, however I have not been able to speak to a person, but placed on hold several times for extended periods of time each time I call.

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 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is reporting on my credit report I have a state tax lien in XXXX XXXX XXXX in the amount of {$58000.00}. I have no affiliation with anything or anybody in XXXX XXXX. My other credit reports do not show such information. I live in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 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:
TransUnion credit bureau is adding someone else 's credit inquiries which are not mine on to my account, contacted Transunion regarding the same they have suggested me to contact the creditors so i did, but none of those creditors are able to find any opened account or credit inquiry done on my Name or Social security number or Address.

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: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I had a state tax lien that was attached to my vehicle title in XXXX. This vehicle was being financed so the lien was a second lien. On XXXX/XXXX/XXXX the government lien was lifted from the vehicle. Ally has yet to send the title to the Indiana Bureau of Motor Vehicles to have the second lien removed. 
I contacted Ally by phone within 60 days of receiving the notice of the second lien being lifted yet not action was taken. On XXXX/XXXX/XXXX I used Ally 's online account messaging system to once again try to rectify this situation. To date I have not received any response.

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 2016-05-22 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Repeat ly calls 7 days a week 6 times a day for months this is my work ph and I asked to stop and they refuse and I am not even behind I have XXXX payments left

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 2017-01-03 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: GA

Complaint narrative:
I ca n't communicate with the credit reporting company. Every time I try they inform me the information I provided was incorrect. The information I provided is the only information I have on me, my name, my address, my SSN, and my date of birth. This information have n't changed in over 25 years. For them to tell me this information is incorrect leads me to believe, that, maybe the information they have is incorrect. If so, the information they are reporting on me is inaccurate. I 'm just trying to submit documents to conclude a 6 year battle I had with student loans.

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 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My equity line from XXXX XXXX ending in XXXX was reported XXXX XXXX late when it was paid and posted within 30 days. The XXXX reporting showed a statement that it was due on the XXXX of the month. Payment was made on the XXXX day. I have written all XXXX credit bureaus more than XXXX times for the same reason furnished statements and today even talked again with a " executive to the President '' person who called me after complaining about the bank on this site. The banker informed me today that indeed XXXX of those payments was received on the XXXX and processed on the XXXX so they were going to correct that reporting. However the same representative indicated that the payment had to post or be received on the XXXX not to be 30 days late. That same banker also indicated that the statement which I will attach has no meaning even if it indeed says payment was due on the XXXX of the month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I, XXXX XXXX XXXX give permission to work my credit case file to get resolution to this matter. I called TransUnion today to inform the credit agent to please submit my dispute to report the correct Account History field to read, " Debt included in Chapter XXXX Bankruptcy was filed, and reported to XXXX XXXX XXXX in XXXX XXXX! TransUnion continues to report incorrect information on my credit profile. TranUnion is not properly validating the true file date of my BK-XXXX to be XXXX XXXX to be reflected onto the ACCOUNT HISTORY field of my report, but keeps reporting the incorrect BK-XXXX date as XXXX XXXX, XXXX and is not true data. The credit agent is to see if my request can be validated and confirm the correct BK-XXXX file date to Regional Acceptance to show XXXX XXXX and NOT XXXX XXXX and not reflect any late payments prior to filing BK-XXXX is WHY its very important to change the Account History date field on my credit report. Please make the necessary corrections, for this is to stay on my file until XXXX XXXX, and I want the revision completed as soon as possible! I have submitted documents from their database to show the discrepancy and to fix it right away. I have also left a message ( XXXX ), for XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to make this correction and re-insert this account back onto my account that was not supposed to be deleted off of my TransUnion report # XXXX, dated XXXX/XXXX/XXXX. it 's not supposed to be removed off any of my credit reporting accounts, and is to stay on my report until XXXX XXXX. Why are these companies getting away with violating FCRA laws? I am tired of the deceit and unlawful credit reporting that is done behind my back! These credit reporting agencies and XXXX XXXX has created costly damages to my credit scores that I will not be able to regain nor recover from XXXX XXXX. According to their letter dated XXXX XXXX, XXXX, XXXX XXXX was to re-insert the trade line - it was not done and does not show in my TransUnion report at all ... ... Will you please assist me in this matter? Thank you.

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

Complaint narrative:
There are multiple credit inquiries that I did not approve. The only ones on here I did approve were XXXX, XXXX XXXX and 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 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/1968 ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY CHAPTER XXXX FOR XXXX XXXX XXXX THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS XXXX. Old address on page XXXX MUST BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE THEM ON MY REPORT. 

BANKRUTCY chapter XXXX for XXXX MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX XXXX NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA remove COAF INQUIRY ... DO NOT SAY VERIFIED I CALLED THEM AND THEY DO NOT KNOW WHO I AM AND HAVE NO PAPER TO SHOW I APPLYED FOR CREDIT. 
PER FCRA YOU MUST SHOW HOW YOU CORRECTED THE ITESM AND SHOW HOW YOU INVESTIGATED THE COURT ORDER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have a vehicle loan with Ally financial. XX/XX/XXXX, i became unemployed and called Ally to see what my options were. They offered me a two month deferment which was great. They kept saying I needed to sign some paperwork and that they could only mail it. Long story short, after about a XXXX phone calls saying I had n't received the paperwork I got the deferment done XX/XX/XXXX. Meanwhile the reported my account as 60 days late twice and 30 days late twice and it is DESTROYING my credit. I am trying to refinance my home and can not do it with these negative marks on it. I have called Ally frequently because I was assured all negative reports would be fixed. They are saying that the reports are accurate and that they can not verify I never received paperwork.

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 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Issue with Transunion. Trying to make necessary corrections to credit report. 
No one from Transunion speaks good XXXX or understands the questions. 
Unable to process online request and upload the documents for the investigation. 
I was transferred back and forth XXXX times and had to call in multiple times with no resolution. 
I was able to successfully process my requests on XXXX and XXXX with no issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief