vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they XXXX ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not one of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted XXXX now its XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In reviewing my credit score online, I discovered a XXXX XXXX XXXX account that is not mine associated with my profile and a name and address that is also not mine associated with my profile. It seems as though someone else 's information has been associated with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX several occasion I have contacted TransUnion LLC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request on many occasion that this credit bureau validate the allege debts. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. TransUnion is reporting XXXX XXXX XXXX credit cards, XXXX XXXX bank XXXX credit card, XXXX XXXX XXXX, and a Bankruptcy as negative items or deragatory items on my credit report. On several occasion I have disputed these allege item and although TransUnion fail to provide me with require information that these allege debt are 100 percent accurate, TransUnion still reports these negative information on my credit report. I have receive letters from XXXX Bank XXXX stating that they cant provide me with validation on debt, I have letter recent as XXXX/XXXX/15. So if they are sending me these letters how is it that TransUnion is stating that allege debt has been verified. TransUnion needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. TransUnion is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. TransUnion never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. TransUnion is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have 100 percent verifiable proof. Now TransUnion continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on m y credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Over 30 days ago, I sent a dispute to TransUnion via certified mail, informing the credit bureau that several inquiries listed on my credit report are not my own and they refuse to remove them saying they are a fact of factual record and can not be removed. TransUnion is sharing my credit file without my authorization and telling me who they are giving my credit file to! I demand they delete the credit inquiries listed below OR provide the investigation results that prove that the inclusion of all these inquiries comply with federal law. I will not wait 30 days for TransUnion to " investigate '' since the credit buruea has already had more than 30 days to investigate.. Now I want the results to that investigation or I want you to delete the inquiries. 


XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On my Transunion Credit Report, the account " XXXX '' should totally be removed. It was already removed from XXXX but for some reason Transunion has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.

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 2016-08-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I SENT LETTER TO XXXX ON XX/XX/2015 AND NO 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 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am trying to resolve the issue with XXXX but they are not cooperating. I spoke with the collections and they show an amount but have no proof to accompany this non valid debt. My mother called on a product for my husband and I at a previous address. We decided to go with XXXX instead. XXXX sent us a wireless box which we never ordered and we immediately returned. We received bills on the product and called them, wrote letters disputing it but they did not remove it. This company is unethical and unprofessional and they can not show proof of anything other than saying it was disputed. I spoke with collections and they could not bring up any information and sent it back to billing. I am out of resources to remove this from my credit report as well as from my husbands.

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 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I 've sent 3 dispute letters to TransUnion. 
One on XXXX/XXXX/2016 the other a copy of the same dispute on XXXX/XXXX/2016 and now a third on XXXX/XXXX/2016. 
Since my first request ( over 260 days ago ) I have yet to see any investigation of any of my accounts in error or in question. 
Therefore, based on the bureaus blatant disregard of federal credit reporting laws, I would like all my account in error or question deleted 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 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP

Complaint narrative:
According to the report, I have XXXX accounts that were closed as derogatory which I have no knowledge of. I did n't open or close any of these accounts.

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

Complaint narrative:
XXXX, Trans Union, and XXXX are reporting XXXX XXXX account that was apart of Identity Fraud XX/XX/XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX-XX/XX/XXXX paid out a Identity Theft claim for the XXXX account for Identity Theft. I have know knowledge of this account being reported. Requested the XXXX Credit Bureaus to provide physical documentation mailed to me, to support this account without any documentation sent to me. I have to confirm the Credit Bureaus physical documentation with the XXXX claim documentation.

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 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Most recent address shows XXXX and I have never lived in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
In XXXX of 2015, I ( my son ) returned a Buick Enclave that i had leased in XXXX, Delaware at XXXX XXXX XXXX. Ally Financial was the banking organization utilized by the Dealership. 
The lease had expired in XXXX 2015. Turnover of the car to the dealership went well. The car was physically inspected by employees of the car dealership and found to be in acceptable condition-no damage. All financial aspects were found to be acceptable and no additional payments were due. 
Three months later the bank, Ally Financial, threatened to repossess the car since the lease payments had not been paid. We explained that the lease had terminated three months earlier and that the car had been with the dealer for the past three months. Lease charges were erroneous. However, now, after the dealer being in possession of the car for three months, it had been damaged- a scratch existed which Ally wanted fixed at my expense. Subsequently, the bank dropped the three month lease charge and now requested one month 's payment and payment for repair of the scratch appeared to be negotiable. The total charge, including repair of the scratch amounts to {$780.00}. 
I contacted Ally Financial to find more information such as why they considered the payment charge to be outstanding and to state that since the car was in the possession of the dealership for three months, after it had been accepted by the dealership as having no damage, the repair was the reponsibility of the dealership. 
The basis for the outstanding payment charge varied with respect to whom I spoke. XXXX claimed that the charge was for XXXX despite the car being returned in XXXX. The cost of the repair however, appeared to be open for discussion on their part-but not mine! 
All remained quiet until this XXXX when correspondence started to appear demanding the {$780.00}, with the standard threats of notification of the XXXX credit agencies, lawyers, etc. I contacted the Delaware State Regulating Authority who regulates Allys financial activity for the state, and they are presently investigating Ally Financial 's charges. Insofar as i am concerned, I can find no basis for their claims. And responses appear to be totally dependent upon the Ally Financial person to whom you speak. 
Finally, ALL Ally personnel refuse to discuss the issue with the XXXX XXXX XXXX for reasons they will not reveal. 
It is now close to a year since the lease expired. Ally has yet to present a factual basis for their charge of payment due, except for a " claim ''. In contrast, both myself and XXXX XXXX XXXX agree that all requiements have been met. This claim may just may be due to faulty record keeping, similar to other claims Ally Financial has made Under the current circumstances they have failed to provide any factual basis for the claim

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 2016-11-28 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: OR

Complaint narrative:
I have contacted Transunion online as part of my free credit report for the past XXXX years to obtain a copy of my report. Transunion says they can not accurately ensure my identity, and this year it says I have an open dispute so I can not get my report from them. Why can the other agencies give me my report XXXX and XXXX with the same information I provide to Transunion. Transunion is not releasing my report unless I give them money. I want a copy of my report from Transunion, so I can see what it says.

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 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I submitted an investigation back on XXXX XXXX, 2015, and was told that the investigation would be complete on XXXX XXXX, 2015. When I received the new version of my report, the information was still the same as before. When I called them, I was told that they extended the investigation another thirty days for the same item that was submitted back in XXXX. Now, it is taking them 60 days to update my report ...

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

Complaint narrative:
There are some inquires on my report that do not belong to me. I have fully viewed my report and there are XXXX total inquires that I did not authorized. There are listed below and also attached with the exact dates. 

1. XXXX XXXX XXXX, XXXX 2. XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX, XXXX 5. XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 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 am writing to dispute a fraudulent debt on my credit in the amount of {$7000.00}. I do not recall this debt. I am requesting that the debt is removed off my credit report with the XXXX bureaus XXXX, XXXX ( r ) and TransUnion ( r ) and any finance and other charges related to the fraudulent, as well. 

I have previously sent you a request to validate our debt under Texas Finance Code and all I received was an itemized list of the alleged charges you claim I owe you, which I do not. I did not receive a lease agreement showing my signature nor the required information by Texas financial code. This does not meet the Texas Financial Code guidelines of what constitutes proper debt validation and must be deleted. Please remove off credit reports for Transunion, XXXX, and XXXX. I am attaching a copy of the original DV letter with the Texas Code on it and will be contacting the Texas State Attorney General office on your non-compliance and better business bureau. I have listed below how you are not meeting the Texas Financial Code. 

Please note Transunion, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 

If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or TransUnion ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character National Credit is sending invalid information on behalf of the Merdian/UDR and this is completely fraudulent and not owed by me. Remove this from my credit, you have been reporting this fraudulent debt for 6 years. 

XXXX has stated they have no record of my information, yet they are reporting on my credit report. This needs to be 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 non-monetary relief
Consumer complaint received 2016-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I keep repeatedly reporting incorrect information to Transunion. I get the same results every single time. Transunion is not doing proper investigations. I was denied credit because my credit reports says I have major issues and I have nothing active as of now because of chapter XXXX and It reports I am 119 days late on current energy bill, I see reportings in XXXX saying a payment was received, no payment in XXXX but a payment was made XXXX and XXXX. I ca n't see where 119 days late comes into play. Transunion is reporting accounts from previous chapter XXXX bankruptcy as if were included in current bankruptcy, this account was a old We Energies account and has been discharged, they are reporting it as opened and XXXX missed payments. This account was discharged and closed plus XXXX payments were not missed. I ca n't access my credit report online with them because it states I have a dispute under investigation. I see accounts labeled closed-derogatory on many accounts listed. Transunion owes me XXXX credit reports in 6 months from the lawsuit they incurred and I ca n't seem to get one at all from them. I have been denied credit from insurance and other places because of these remarks yet they make it hard to get anything corrected. I have attached a picture of Transunion stating as of XXXX/XXXX/2016 I have no collection accounts but they have on my credit I am 119 days late for accounts.

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 2016-11-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Due to a divorce, I was late with my car payments from XXXX XXXX and my vehicle was repossessed. I spoke with a customer representative and paid the amount I was told needed to be paid ( {$2200.00} ) in order to get my vehicle back and make the account current. Once I was financially stable, I continued to make my monthly payment on time through EFT ( based on due date and grace period given by Ally Financial ). In XXXX XXXX, I noticed that my monthly statement started listing late fees and I called to inquire as to where these fees were coming from. I was so concerned that I actually made XXXX payments in XXXX XXXX and XXXX XXXX, to insure I was up to date with all my payments. After numerous attempts to get an answer, I sought out assistance through a financial counselor. The counselor also attempted to call and straighten the matter out and was first told that all my payments for the past 7 months were a month late and that is where the late fees were coming from. While looking at my current statement and the payment history the company had provided me, the counselor asked customer service about my XXXX XXXX payment and was told it was paid on time and in full ( which tracking back through my payments means I am not a month behind but current on all my payments ). Customer service has never been able to fully explain where the late fees originated and my monthly statement does not show that I am behind.

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 2015-10-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
THE COMPANT XXXX AUTO IN XXXX NEW MEXICO LET ME TEST DRIVE A AUTO TOOK MY LIC # AND SS # AND RAN A ILLEGAL REPORT TO ALL BUREAUS 16-TIMES ( INQUIRES ) WITHOUT SINGED PERMISSION.TRANS UNION HAS USED THIS TO DISCRIMINATE MY GOOD WORTHTHINESS, BECAUSE I 'M RETIRED.I HAE SENT IDENITY DOCUMENTS XXXX TIMES AND STILL NO REPORT TO DELETE THIS NO SIGNATURE PERMISSION FOR INQUIREIES ( 16 )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Trans Union keeps, maintains and reports fictitious information. I have contacted them 19 times. Have sent them all of the information they asked for 18 times and only keep getting more requests for the same personal info such as Birth certificate, utility bill, etc. 
I want this fictitious information removed.

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