vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Last 2009 when I was stationed in Georgia for the XXXX XXXX I bought a Nissan frontier through financing from a dealership there and I have no idea that they charged the sales tax under my name. And take Note the truck has already been paid off a long time ago.I called the Department of Revenue of the State of Georgia and they told me that it has already been Cancelled/Withdrawn, they gave me a copy of the Document and I will include the copy on this Complaint. I went to check of their site The Department of Revenue State of Georgia to check if my name is on their Delinquent Tax Payers List and i Screenshot the result of my search and i will too include it here. 
Now my concern is it is still showing on my credit reports with the XXXX, TransUnion and XXXX and it really affects my credit score. 
I hope you guys can help me sort out things regarding the matter.

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 2016-05-20 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: CA

Complaint narrative:
I paid {$5.00} [ XXXX card ] to " unfreeze '' my account with T-U using the T-U-issued PIN. I then went into T-U website via XXXX for my FREE annual report. T-U FRAUDULENTLY refused to permit me to get this by FALSELY asserting that I had " already '' received my FREE rerport. Unfreezing a file and getting a copy of that file is NOT the same thing. This is a pattern intentioinally SCHEMED by T-U. I demand my FREE report accessible on-line 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 2015-10-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have having trouble with Ally. They have called and harrassed me multiple times about my payment. Each time they call i explain to them the same situation. My ex and me are divorced and I travel for work. Also, that I am unable to log into my account online to make a payment or set up auto pay and I have requested them to help me multiple times. There solution is to pass me off to a third party payment call where i have to pay a fee for my convenience. They keep charging me late fees which is unacceptable when i have requested help. I have been harassed multiple times by them and each time i have stated the same thing. I do I have XXXX and sometimes i forget to cal, but when I make the same request over and over and it goes unanswered is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX and XXXX were included in my Chapter XXXX I was never late.

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 {$1000.00}.

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 2016-02-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I received a letter addressed from Ally financial services regarding an " inquiry '' based on information Ally Financial provided to credit reporting agencies. The letter also provides me with an account number and vehicle information for a XXXX Honda Accord including the VIN number. 
I have not purchased a car since XXXX and when I called Ally Financial information and attempted to get information from a representative named " XXXX, '' he acted very cagey on the phone with me and did not provide me any information. When I asked to speak to a manager/supervisor, someone then came on the line and I could not hear anything but static during the whole conversation. 
I am saking the CFPB to investigate this situation and please provide me with complete details regarding 1 ) to whom Ally Financial provided information ; 2 ) what type of information was provided ; 3 ) what inquiry are they claiming was made by me or someone on my behalf that resulted in any release of information ; 4 ) copy of car payment history in my name as referenced in the letter from Ally Financial 5 ) all information pertaining to how Ally Financial has my name and address on record in association with a XXXX Honda Accord with VIN # 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 2016-11-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally Bank charged an overdraft fee when, on my account, it is clearly stated that the deposit posted before the debit. They said there was a " hold '' placed on the deposit, but there is no record of it. When asked to refund the overdraft fee, they said no. This happened once before and they admitted their mistake and refunded the fee. 2nd time around? No refund. After going round and round with them, they STILL could n't tell me WHY I was charged the fee other than the " hold '' on the deposit- again- even though the deposit was posted AND time-stamped BEFORE the debit.

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 2016-11-11 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:
I have provided the attached documentation of identity theft to all XXXX Credit Bureaus regarding an identity theft and wrongful IRS Tax Lien being reported on my credit report. The IRS removed the claim, as have XXXX of the XXXX reporting agencies. TransUnion has said that I did not provide enough proof, even though it was sufficient for the other XXXX agencies. When I pressed a supervisor for what more information needed to be supplied the answer was 'I do n't know. ' This is unacceptable that a CRA can report obviously incorrect information on my credit report, and refuse to tell me what information I need to provide in order to have this fraudulent information removed. TransUnion in my opinion is making up their own rules, and is operating outside of the law with regards to credit reporting. I was a victim of identity theft, and TransUnion is continuing to victimize me by reporting false information after being provided sufficient evidence to support this. Additionally, they are causing me undue aggravation and duress by failing to comply with the law regarding removing false information from my credit report. I am requesting you take action against them, and let them know they are not above the law.

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 2016-06-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I do n't change my address. I 'm still live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. So last change my address is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
[ Case number : XXXX ], [ Case number : XXXX ] I am still receiving notices in wrong name this one with an extended alert for 7 years. I did not ask for that, I also received it on a post card vs in a letter which is unusual for a credit report co.

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 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report states that I owe {$400.00} to XXXX. I have n't had an account with XXXX in over 7 years, nor did I owe them money when the service was transfered to the new tenant in the building the service was being provided to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
On XXXX XXXX, XXXX my debit card was fraudulently used three times at a nearby ATM by someone who stole my card and pin numbers. I had never visited the ATM in question, and I notified Ally Bank within a few hours of the fraudulent transactions occurring on my checking account. Within a week, I had filed a police report with my local police station in XXXX, MA, and provided Ally with the police report on my transaction dispute forms. After a few more days, a detective at the police station called to let me know that they had a suspect that they believed had fraudulently used my cards. On XXXX XXXX Ally granted me a provisional credit for the entire disputed amount, and I believed the case was resolved. In early XXXX I received a letter from Ally stating that their research concluded that the disputed transactions were " authorized and correct '', and my provisional credit was reversed on XXXX XXXX, XXXX. Ally did not provide me with their research report, and indicated that they had not contacted the police department where I filed my report. I immediately followed up with the police department and the detective assigned to my case confirmed that they had not been contacted by Ally, and that they indeed had a suspect for my case. He also mentioned that it was part of a larger, multi-state FBI investigation. After many calls to Ally I was told that my transaction dispute had initially been escalated to the wrong department, and that my case would be re-opened. On XXXX XXXX, XXXX I re-sent my transaction dispute forms and police report to a different department at Ally. As of today, XXXX XXXX, XXXX, I have neither a provisional credit nor a timeline for resolution.

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 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX mastercard account in New York, opened XXXX XXXX. I did not open the account. Received the card in the mail on XXXX. Checked credit report with Trans Union and saw it was an open account. Called the issuing bank on XXXX and {$1400.00} had been charged to the account. Placed a Security Freeze with all XXXX credit reporting companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am currently waiting on approval on a home mortgage. Everything was looking great and the process was almost through until we came to a snag. My credit report had to be pulled up again and it currently shows that I have XXXX late payments in XXXX, XXXX and XXXX. However, I called and spoke with Ally Financial personally and they assured me that there was not a late payment for XXXX since the payment is not due until the XXXX. I am asking that you please retract not only the XXXX late payment that is showing up, but also the XXXX and XXXX as well. I have been a long time customer with Ally Financial and have never missed a payment. The reason for this recent delay in payment is because I have had to make improvements on the house for the inspection to pass and loan to go through XXXX new roof costing {$2700.00} XXXX .Please consider this request. Owning my XXXX home at age XXXX has been a dream of mine. I hope you can help me with this. In order for that to happen my credit score has to come up and this is the only way it can happy. Thank you in advance for your anticipated cooperation. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed several inaccuracies on my credit report. I have a asked for Debt to be validated and have not received proper validation.

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 2015-09-16 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:
my wallet was with all my property ; include my driver license, my social security card, my credit card. I had reported to the law enforcement. as I continue to say those charge that appear on my credit report are not belong to me I sent you the report you refused to make the necessary change according to law. if do n't think this not correct call them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX is not up to date, card have a credit balance not {$8700.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Premier Portfolio Group
State: ME

Complaint narrative:
Premier Portfolio Group has left several voice mails indictating that they have mailed documents to me ( nothing has ever been received ) and that I have a " pending complaint '' in their office. They have stated on my voice mail that they will garnish my wages if I do not call them back to make arrangements. At other times, they have stated that they have a bad check I attempted to pass along with my name, social security number, and routing number. I believe this is in reference to a payday loan that I paid back in full and then closed the checking account directly after the final payment as the collection practices of the original company were illegal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted Transunion to request they remove all of the hard inquiries to my credit report since I did not request them. They refused. 
Below is the list of hard inquiries. Some of the hard inquires were on my credit report multiple times. 

XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via 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 2016-03-16 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 my requests to investigate and remove accounts from my credit report that do not belong to me.

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 2015-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion Credit Reporting Agency showed XXXX ( XXXX ) Collection against me in XXXX 2015. I disputed them with a CFPB complaint, XXXX! The original Creditor, XXXX XXXX XXXX and the Debt Collector, XXXX XXXX XXXX XXXX responded and sent letters. I was told that there was an error in the reporting. I was told that the original creditor ( XXXX XXXX XXXX, XXXX XXXX ) instructed the Debt Collector to remove my name from the account ( s ). The Debt Collector ( XXXX XXXX ) told me that TransUnion would remove the Collections from my Credit Record in 30 Days. I waited 45 days and checked. It was still there. I filed a complaint with TransUnion and they never responded. So I am back again to you, CFPB! Please help me to resolve this issue as it is affecting my ability to refinance my home!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally financial has late payments fees and I understand that is just that they promise to waved the past month fees of XXXX dollars approximately and it 's been more than 25 days that they said that they would and they have n't done any changes to the account of that adjustment I am really mad because as I explained them the reason of my payment delay was because I had a family emergency and most of the time pay roll is something that is not on my behalf I just have to wait to get paid when my boss pays me I have no control for that it 's sad that this big company keeps telling me that I need to contact them thru the phone and they do n't seem to fix the issue. I keep telling them and repeated them my situation over and over and as they stated and promise that they would help me and adjusted nothing is yet waived after all those many times we spoke and after those secure messages that I sent thru the mobile app all they kept saying was I need to call ally financial to discuss that matter but why when we had already talk and they promise to waived the late fees of XXXX it 's not like I 've XXXX payments I have good relationship with them and I would want my relationship to be finished. I hope that they consider not playing with the customers since they had agreed to waived the fees and than not doing it after all. It upsets me so much.

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 2015-11-10 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
You have Ally bank listed twice on XXXX/XXXX/2015. I authorized 1 credit check, you do n't get to count it twice

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a medical collection on my credit. As of XXXX 2015, credit reporting agencies such as Trans Union are required to withhold reporting of the collection for a minimum of 180 days and a maximum of 9 months so the patient can receive and pay the bill. I have informed them of this, but they have not removed the collection 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 2015-08-13 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:
This is not my account. I never had a XXXX XXXX XXXX credit card to date. I especially have never had any credit card with a limit of {$17.00}, XXXX. This must be a case of mistaken identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Transunion refuses to remove a Chapter XXXX BK after it has been settled and closed even tho it is more than 7 years since the file date. Even tho according to their website it is to be removed " A completed ( discharged ) or dismissed Chapter XXXX remains on file for up to seven years from the date filed. " I have even send Transunion a copy of the BK Final Decree.

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