vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Our vehicle is financed through Ally Financial. Ally is already known for giving higher interest rates to minorities. They have been under hot water for this act. Ally is now practicing the act of REPORTING FALSE CREDIT REPORT INFORMATION. We made a complaint through XXXX once before and the issue was resolved. After a few months the issue is happening again. They are reporting us being late before our payment is due. Example : Our payments are due at the end of the month XXXX XXXX ... ..Ally is already reporting XXXX late!!! How is that possible? It is XXXX XXXX! Each month it is the same thing. Is this because we are XXXX XXXX? 
Also XXXX people are on this loan ... ..Myself and my wife. There is different information being reported on XXXX credit reports. 
A review of our interest rate is need also. We should NOT have gotten a high interest rate because we are XXXX XXXX. That is unlawful!!

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 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Washington XXXX ) Is not mine, I have never lived in the state of Washington. That address belonged to my son XXXX XXXX when he was stationed there XXXX. Need to have it removed from my credit record as a past residence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Reporting adverse accounts with XXXX, which has completely failed to provide any transparency as to what these charges are for ( see attached )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion fails to remove the XXXX account. Transunion reports incorrectly this account is paid monthly. Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion reports incorrectly that I must bring this account current even though I received a XXXX XXXX XXXX XXXX Cancellation of Debt from XXXX. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2016-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My debt, which was an electric bill has been paid off for over a year I have called the electric company, national grid, and I have called the debt collector and still my debt has not been removed or marked as paid on my credit report. It is the only debt I have and it is stopping g me from moving forward. They have not helped me at all, so I was hoping you could.

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 2016-10-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I live in XXXX. I bought a XXXX XXXX van in XXXX online and had it shipped to XXXX. That was in XXXX 2016. Despite many hours on the phone and in person I have been unable to register my truck in Texas. Therefore I am paying for a truck I can not drive. It is financed thru Ally Financial. I need a copy of the original title to register in XXXX. I have made numerous requests. XXXX tax accessor has made numerous requests. The last time XXXX XXXX. Ally customer service has been rude. They never show that I have been calling. They refuse to send me a copy of the tittle which is now what XXXX is recommending. Ally claims no one has requested title. They did eventually send an " electronic title '' to XXXX on XXXX XXXX but this electronic title is not recognized by the state of XXXX. I have explained that many times. I do not know what to do. XXXX says they can not do anything else. Their phone calls have not been returned. It 's such a simple solution. Just send me, and or, the XXXX tax accessor 's office in XXXX a copy of the original title. Even the title company that Ally contracts with told me that they have the paper title from XXXX but Ally would not allow them to send it to me. In XXXX I have always had a copy of the paper title. It would show ally as the lein holder so I ca n't use it for anything other than to show ownership. 
Please help

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 2016-09-22 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
Auto Lease was written off in 2009 with XXXX. They recently reestablished the loan so they could re-enter the information on my credit report. Statute of limitations has expired per Colorado 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 non-monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received my credit report on XXXX on XXXX/XXXX/2016 and items was removed than added back on without a 5 day notice. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX, XXXX. Also, I asked them to send me information on how they did their investigation and a person name but never received and answer its have been over 60 days.

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 2015-10-22 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Delbert Services
State: NJ

Complaint narrative:
I have now XXXX companies, XXXX claiming to be a legal processing center ( goes by XXXX XXXX XXXX ) and the other claiming to be a pre-trial intervention company ( whose phone number appeared on XXXX ), both stating that they will submit my " case '' unless I pay them " restitution '' or I will face charges including theft by deception and fraud, stating that I 've gone against federal banking regulations for payday loans that I have received many years ago. They state that I must pay immediately or the case is leaving their office, for my district court house, that same day. Both offices have stated that they do not accept checks, due to bad check issues, nor do they give out and physical address, for safety concerns, and will only mail me something upon completion of payments. I have also done an online chat with a legitimate law office about this matter, that attempted to call their phone numbers and says that they are most likely a scam. i am not sure what to do or how to verify that they are both definitely a scam as the XXXX legal processing company has also contacted my family members, discussing this matter and have threatened my mother, stating that her name is on these documents. I was only able to obtain a XXXX XXXX number from the XXXX company, as neither has a website or any contact information other than a phone number. I feel that I was also victimized by the XXXX company 2 years ago in a similar scam regarding this same payday loan, which I did pay them for fear of legal charges, again from many years ago. This new pre-trial intervention, which only has the name XXXX XXXX, also yelled at me and hung up on me, after me questioning their valid existence. I have received nothing in writing or in the mail from either, they stated only the court summons or arrest warrants would serve as documentation, also this loan does not appear on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I called Transunion in ref to invalid inquries on my account that I did not authorized that were removed and then the reappeared on my account without notice. I referenced the glitch that they had and was not able to get any assistance because she stated hey were valid. I asked her to provide me proof of the information proving it was valid and she declined to provide.

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 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed XXXX public records of bankruptcies showing on my TransUnion credit report. TransUnion responded with investigation results of " verified, no change. '' California Federal Courts do not report bankruptcies to credit bureaus. An employee looking at their computer screen, seeing my name listed in an Internet database is NOT verification or validation of any alleged bankruptcy. TransUnion can not provide me with any viable evidence of verification or validation of these bankruptcies which is a violation of my rights under the FCRA.

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 2016-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After repeated dispute attempts to provide validation of debt in collections. Credit reporting agency has not validated debt information for the collections debt portion placed on my account.after i have disputed several times. I have not received validated proof of debt. Please help to resolve.

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 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX continue to harass me about a debt that I have no knowledge of. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this. Not only this, they called asking for my XXXX year old son and when I told them that my son was only XXXX the man replied " there 's no way that 's possible. I 'll find a better number to reach him at. '' They hung up on me and continued to call multiple times after that.

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 2015-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have tried to open a dispute with transunion online but it went nowhere. 
I had a collection account on my reports from " XXXX XXXX XXXX XXXX, XXXX ''. I paid them and on XXXX XXXX, 2015 they agreed to remove the accounts because there had been some issues with the reporting. I got this in writing as well in case there were any issues. XXXX and XXXX removed it quickly but 7 months later, it is still on transunion. I am attaching a copy of my letter from the collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I had a CitiBank platinum select card that had a yearly membership fee of {$95.00} XXXX. The terms of CitiBank states that the account can not be converted or closed until the full year has elapsed and after being charged the following year 's membership fee, you are then able to issue a conversion. After I have issued the conversion ; which was done two days after the fee processed, I was promised to have the full membership fee refunded after 60 days and after the conversion is fulfilled. After a period of 45 days, the account was then processed for a pro-rated refund. I called CitiBank and had spoken to XXXX and XXXX ( unique ID : XXXX ) of the Maryland office and they both provided me with false information stating that I would only receive a refund if I REQUESTED the conversion within XXXX / XXXX ( Differing answers between representatives ), which I did within two days. CitiBank has a conversion period of 45 days for any credit card and will promptly at this point, steal, a portion of the refund. With hundreds of thousands of credit card users, I believe that this is against the law, and that this bank is laundering funds. In essence, the process was as follows : Membership fee processed XXXX, Processed conversion XXXX and was informed of full refund within 60 days and that the conversion may take 2 weeks with a letter stating so, I have not received a letter nor the card I requested by XXXX I noticed a refund on my account processed XXXX. That is a span of 53 days that I was forced to wait and CitiBank processed a partial refund because I was " outside of the XXXX ( depending on the representative you speak to I assume ) period ''.

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 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX This account : 1. The Pay Status is Inaccurate, it should be Paid/Closed and XXXX Balance 2. Is missing the Payment History Data for the most of the time the account had been open a. This account was opened in XXXX, yet only XXXX of XXXX to XXXX is showing 3. Is missing the Balance History Data for the most of the time the account had been open a. This account was opened in XXXX, yet only XXXX of XXXX to XXXX is showing. 
4. Has Late Payments, when there is no Balance History to support this. 
a. Comments Say Late in XXXX and XXXX, but its flagged 3 times as late.

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 2015-11-16 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:
Hello ; I have been working diligently to improve my credit rating the last 2 years since I am one who likes to pay cash for everything cash. I realize in order to buy a home, I need open credit lines in good standing. I have opened a few credit accounts recently ( XXXX ) and have a spotless pay history with all of these accounts. My credit score has been reflecting a favorable number due to my positive efforts and managing my accounts. Just today, I get an alert from my XXXX XXXX XXXX XXXX letting me know of a change to my credit score and when I looked, there was suddenly some " XXXX '' company that popped up with a {$560.00} derogatory account ( out of nowhere ). I do not know who XXXX is and I do not have any delinquent or derogatory accounts with anyone in at least 7-8 years. How do I get this off my report? My score dropped XXXX points because of that fictitious entry on my bureau. VERY FRUSTRATING when you have done EVERYTHING right for 2 years and have made a serious effort to improve your rating only to have some XXXX company put some XXXX on your credit report. My credit score took a XXXX point hit and have n't done a thing to incur this. In fact, I make multiple payments monthly on all my accounts to gain a better rating and then this XXXX blind sides me today. Come on! PLEASE help. THANK YOU VERY MUCH!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent a letter to transunion saying that the company collection XXXX has not verified or validated my debt. So I sent a letter Transunion to remove coll recv sv tradelines. Transunion has declined to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been requesting verification of the following public records that TransUnion continues to report on my credit file : XXXX tax liens : Docket # : XXXX and Docket # : XXXX. TransUnion continues to fail to provide me with the documents and the name and contact information for the " vendor, '' " source, '' or " company '' that was used to " verify '' the information as I requested. 
TransUnion 's investigation results include the following statement and I quote : " the information was collected from public records sources by TransUnion or a " company '' we hired. '' Exactly what company did they hire and what source did they use? They fail to even include the " company 's '' information such as name, address, and contact number on the dispute results that I received. I did not authorize TransUnion to receive any information about me from the " unknown '' company that they claim to have hired for verification. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting on my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
XXXX XXXX XXXX, XXXX, XX/XX/2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' I request and demand that these XXXX tax liens : Docket # : XXXX and Docket # : XXXX are permanently deleted from my TransUnion credit file due to being unverified accounts IMMEDIATELY.

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 2016-07-16 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: MI

Complaint narrative:
I went to the website XXXX and completed all XXXX sections and when I got to the XXXX section to obtain the reports I received a message stating I would be unable to get the reports online I would have to mail in a request to obtain them. I do n't understand why the site would have me enter my personal information under the guise that I will receive the reports online and then tell me that I ca n't get them.

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 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These XXXX XXXX XXXX loan accounts are appearing incorrectly and in duplicate on my report. These XXXX accounts have been completely forgiven, and I have paperwork from XXXX XXXX to document this. They are no longer owed and have been 100 % discharged by XXXX XXXX and should no longer be appearing under my name ( unless it 's to report positively that these have been closed with a positive status ). After several disputes with XXXX XXXX directly, I was able to obtain documentation in writing that these loans had been discharged from my name. 

XXXX of the places these XXXX accounts appear on my report is correct. They are all reporting under slightly different company names/amounts/account numbers- but it was because XXXX XXXX had transferred the accounts to multiple departments and they reported as well. Transunion has allowed all to remain on my account, even though they are all clearly the same company. 

The other XXXX places these accounts appear are 100 % incorrect- resulting in XXXX negative charges to my report that should not be there, and are negatively affecting my score. I have sent in documentation and disputes to Transunion a number of times, including the letter from XXXX XXXX directly supporting my complaint- but I have received automated responses and no correction. We are planning to purchase a house in the near future, and this is negatively affecting my ability to do so.

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