vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-18 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:
The XXXX 's rents Inc.that are on my credit report on transition and XXXX is not mine.those were husband accts.they never put meme on accts. cause they said I was n't working.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on my credit report for TransUnion, I do n't recognize one of the credit card with balance of {$600.00} I have XXXX other cards on the same financial institution but I do n't see this XXXX anywhere. plus i do n't see them in my other credit reports ( XXXX and XXXX ) please remove this XXXX from my report. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 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 or bills

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Trans union credit reporting agency i disputed bankruptcy thats reporting on my credit but this company cant provide me with accurate information showing it my case. I receive information from the court stating that they dont report to the credit bureau. so how can they report information on a file with out proper documents per Fair Credit Reporting Act section 609 the bureau provide me with accurate information it must be remove

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 2017-03-22 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:
In XXXX of 2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquire various accounts, namely a car loan with XXXX in XXXX, CA. They opened an auto loan with XXXX. Once this was brought to my attention I immediately contacted the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX and after a thorough investigation it was deemed by the General Manager, XXXX at XXXX as well as the detective with the XXXX Police Department that this was in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that Transunion remove the Charge Off showing under my name with XXXX and Transunion as well as XXXX are REFUSING to remove this Fraudulent information which is preventing me from qualifying for a home loan and any other type of credit.

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 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit score dropped XXXX points ... AGAIN due to an inaccurate reporting on this agency 's behalf. I have also, yet again, not experienced the same issue with either of the XXXX other reporting agencies ( my account balance is correct on each on, reflected a closed account with a {$0.00} balance. ) I recently refinanced my auto loan with XXXX, and they added the new account to my report which is fine. What was not okay, is that TransUnion reported the new information, but is still reporting that I owe the total of my previous loan payment with XXXX XXXX XXXX XXXX. This error, again, has drastically dropped my score due to the agency not reporting my balance as closed with {$0.00} balance as opposed to closed with a XXXX 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 non-monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
After canceling my service With XXXX attempted to pad my bill with false charges. Bill went from $XXXX to almost $XXXX. I was told at XXXX I had to pay an early termination fee but I reminded them that I was not under contract for over XXXX years or more. After months they finally corrected my bill and I paid them in XX/XX/2011. They call themselves making a settlement after high jacking my bill for much more than it was suppose to be. Never could explain what the extra charges was for. Never sent a paper bill at all only a letter stating what they would settle for in a full payment, which was still more than my last bill should be.

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

Complaint narrative:
TransUnion has refused to reflect all of my payments that I have made to XXXX XXXX car installment loan. On TransUnion reports dated XX/XX/2016, and XX/XX/2016, my XX/XX/XXXX payment was not included. Also, one of the officials stated that my low credit score would change after 3 months of payments on this car loan. It appears that TransUnion may have deliberately refused to reflect my timely payments. XXXX XXXX is sending me a letter stating that TransUnion was notified of my XX/XX/2016 payment in a timely manner. TransUnion without my request or permission chose to opt me out of promotional lists supplied by TransUnion without any expiration date. It is my position that for some reason unknown to me has maliciously sabotaged my credit report by these various uncalled for actions. This is a complaint totally different from the previous complaint with CFPB. These negative actions of TransUnion causing my credit score to be Grade XXXX even though I always make all payments in a timely manner and every account on my credit report states " paid as agreed ''. TransUnion is violating FCRA 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 non-monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Earlier this year I had no inqueries in trainsunion. As of today XXXX/XXXX/16 I have multiple inquiries that are not mine. It appear trainunuon placed old inquiries on 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 2016-10-20 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:
Tranunion re- inserted XXXX previously deleted information and according to law that within 5 days of re-inserting the company must contact me in which no communication was enacted.I will persue further legal actions if not removed.

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 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX XXXX I sent disputes to Transunion regarding credit reports that were n't validated and needing to be removed. They were removed on XXXX XXXX per XXXX just to be placed back on XXXX XXXX. I 'm reporting the following XXXX These are the XXXX that were removed on 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 2015-09-16 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: KS

Complaint narrative:
When using the www.annualcreditreport.com website, Transunion link only offers a " sign-up '' for {$1.00} for use of the website. 

Pasted web page ; TransUnionFree Credit Score & {$1.00} Report Unlimited updates to your TransUnion credit score and monitoring Email alerts of any critical changes to your TransUnion credit Personalized debt analysis and credit trending Up to {$1000000.00} in Identity Theft InsuranceGet my ScoreDo n't worry, checking your score wo n't lower it. 

Offer Details : Your FREE TransUnion Credit Score & {$1.00} Credit Report are available as part of a XXXX-day trial of our subscription-based credit monitoring service. You may cancel at any time during the trial period. At the end of your 7-day trial, you will be billed at the low cost of only {$17.00} per month ( plus tax for NY residents ). 

XXXX Get Your TransUnion Score 3 Achieve Your GoalsGet my Score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I 've been making {$100.00} payments since rolling over my XXXX XXXX to XXXX. I rolled over my account at 0 %. I received a call from XXXX, XXXX XXXX, to readjust a monthly fee from {$100.00} to {$220.00}. I told the representative I had to go over my finances. After hanging up, I made a {$50.00} payment. I checked my account on XXXX XXXX, XXXX transferred {$220.00} without my permission. They also falsely reported I had missed a payment ; which is fraudulent according to both of our record. This has adversely affected my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I reviewed my Trans Union credit report and I have XXXX credit inquiries from XXXX XXXX XXXX that are unauthorized and fraudulent credit inquiries. I am a victim of identity theft and been a victim of identity theft for over 7 years now. I want Trans Union to remove the credit inquiries 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 2015-11-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been denied credit on many occasions and have requested a copy of my Transunion credit report and have yet to receive XXXX. This issue has been going on for the last two or three years. I have never given any creditor or credit reporting agency no other address but the one I have lived @ for over thirteen years. I have notice every time a creditor request a copy of my files it is granted. I have even tried online to access my files, as I did today XXXX/XXXX/15, but was denied saying I have an on going dispute and ca n't access my files until the investigation is over. That dispute came through XXXX and I was only able to dispute XXXX item. I need full access to my files that I may be able to dispute all files that are incorrect. I was denied credit by XXXX banks over the last two days. Why ca n't I access my files? What sense does that make?. I have joined many free credit monitoring services just to see my files and credit score. The other major credit reporting agencies give access why ca n't Transunion. Please help me solve this issue. Thanks XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Trans Union shared credit information with an outside party after I froze the account.

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 2016-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i have another name on my account and i have other addresses that i dont live at anymore

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is a duplicate account being reported from XXXX as still open with XXXX collections agency, when the XXXX account was settled and settlement was paid off. 
XXXX is reporting the following : Account # XXXX $ XXXX XXXXOriginal Creditor $ XXXX BalanceMay XXXX, XXXX DateXX/XX/XXXX XXXX, XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNoteWhen XXXX is reporting the closed status : Account # XXXX $ XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilitySettled - less than full balanceRemarksNoteXXXX XXXX has reported the account closing to XXXX bureaus. 
This is clearly an error that needs to be reviewed. I have only had XXXX account with XXXX, and to further show proof that there has be to an error, the amounts shown as being owed are exactly the same. 

Please help, XXXX XXXX

Company public response: Company 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 — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I paid off a collection with XXXX XXXX and have proof of payment on record. Please update my credit report accordingly. I no longer owe this debt.

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 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
According to XXXX XXXX, XXXX accounts have been put into collections. 
These accounts were opened as a result of an emergency hospital visit by my son. 
We happen to have the same name except he is " the XXXX '' and I am XXXX Our birth years are XXXX years apart, His address is the same as mine because he lives in our house. 
He is an adult and responsible for his own debts. 
The credit reporting company did not thoroughly investigate the debtor 's information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally financial continues to call and harass me after I 've already spoken with them today and come to a 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 explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Contacted Ally Bank for Payoff of XXXX Chevy Equinox, I was quoted {$25000.00} on XXXX XXXX, XXXX ; which was good thru XXXX XXXX, XXXX. I made my XXXX XXXX car payment which was {$570.00} because I was not sure if my credit union would approve my refinance application. I was approved by my credit union I overnight mailed the payoff check for {$25000.00} on XXXX XXXX, XXXX. When I contacted Ally about the over payment they said my over payment was only {$29.00}, but the account is showing the next payment due is {$570.00} on XXXX XXXX, XXXX. I would like for Ally to refund the full over payment balance on this account. I also was concerned because I felt like they were charging me additional fees on this account and the payoff balance should of been closer to {$23000.00} that is why I refinanced the vehicle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CMG Financial Services, Inc.
State: NV

Complaint narrative:
I applied for assistance in saving my home with my servicer, CMG Financial, on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork. My attorney confirmed CMG Financial received my full and complete application and all financials on XXXX/XXXX/2015. My attorney called CMG Financial several times for an update after the submission ( actual dates XXXX/XXXX/2015 - told only option was to leave a message ; XXXX/XXXX/15 - told only option was to leave a message ). No calls were ever returned. CMG Financial never sent out any letters per RESPA Reg X ( XXXX ) that they received the application or that they denied the request. They say they have sent out letters, but they actually have not. To date I still do not have any letters of receipt of application/denial or approval. Then on XXXX/XXXX/2015 my attorney spoke with CMG Financial and they stated my loan modification request was denied on XXXX 2015 due to liens on my title. I was not given the opportunity to appeal my denial before the 30 days period after my denial because CMG Financial withheld the denial letter and would not accept calls and did not return messages during this time. It is apparent they did this on purpose solely to evade allowing me to appeal my denial. I have a valid appeal as I have cleared my title and I am certain I qualify for assistnace. I feel my servicer purposely withheld my denial letter, avoided taking calls from my attorney and did not advise me I was denied in order to evade allowing me the time appeal the decision before setting a sale date. If I had not received the Notice of Sale, I would have never even known I was denied or was even reviewed. I still do not have a denial letter. I wish to appeal the denial, however the servicer has now set a sale date. My attorney states this was done on purpose. This servicer evades even speaking with me or my attorney. I have to call in and not enter my loan number. If I enter my loan number it only goes to a voice mail that no one calls back. I feel this is wrong and they are purpose evading my requests to try and resolve my delinquent loan and are simply pushing me into foreclosure.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Friendly foot care submitted payment to the wrong insurance and XXXX XXXX of payment crossed in dates that were during a chsngebin insurance company 's and coverage. The date of services I was on indiana XXXX. I got married and then changed my insurance to my husband 's. They billed the new insurance then we 're denied because no coverage for the date of service. XXXX was bill led for this and denied due to the dates billed for services. Th I bill should not have happened I had insurance through XXXXvwhen this service was provided. I did try to explain to XXXX and the collections that this was not my responsibility but they continued to collections.

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