vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Disputed same errors on XXXX credit reports, XXXX bureau conducted the investigation and corrected the errors, the other bureau did not investigate anything however they did claim to have conducted an investigation, which is false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My Alabama state tax lien was paid and released in XXXX -- Income Tax Year : XXXX Case : XXXX Lien : XXXX However, it 's still showing up on XXXX of my credit reports ( XXXX and TransUnion ). The fact that it is still on my credit reports has caused me to be denied a loan and has also caused my FICO score to drop significantly. Other than this tax lien, my credit is PERFECT. 
I disputed this a couple of years ago but each of the credit bureaus told me that it has to stay on my credit reports for 10 years! 
You should also know that I was n't even aware that I owed the state of Alabama DOR any money. I did n't even know there was a tax lien until I noticed it on my credit reports! Needless to say, I paid it almost right away. 
I have worked very hard to maintain an excellent credit rating and have been a law-abiding and attentive consumer. Yet because of a ridiculous rule, I have to suffer this " punishment ''? When is someone going to start looking at these types of situations and realize that they only hinder the consumer? The whole credit reporting system has been messed up for years. 
I have attached a letter from the Alabama DOR stating that this tax lien has been " paid and released ''. How can I get XXXX and TransUnion to remove this negative item?

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 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I bought a ring from XXXX. I paid the ring off, and I applyed for a credit card and never received it. Although on my credit report showed I have a 90 day missed payment on my credit card account. Which I never received one bc they had my home address not my XXXX XXXX XXXX So I called XXXX claims and they said I have a balance off $ XXXXSo I do n't understand why my credit report says that I 'm XXXX days late. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The creditor is XXXX from XXXX, DE. I did default on this loan and it was charged-off. I did recently paid this debt in full at the full pay off amount of {$1300.00}. Prior to me paying this debt off, I found out this debt was being reported as the following : On my XXXX credit report, it shows as being charged-off, but the account name shows XXXX/XXXX. I never had a loan with XXXX XXXX. I 'm not sure why this is even listed. There 's no information showing on my XXXX credit report. On my Transunion credit report it shows the account as being open, with a 90 day past due status. If a creditor saw this they would think the account is still open. There is a lot of inaccurate information on my credit reports. Also, prior to me paying off this debt with XXXX I sent a certified letter to XXXX XXXX as that was listed on my credit reports ( I found out they handle lots of accounts including XXXX, again I signed a contract with XXXX, not XXXX XXXX ) wishing to settle this debt in return for possibly deletion of the negative information from my credit reports. I never got a written response from this company, so I called them, they stated they do not settle accounts and I ask if I would get something in writing and they said " No '' .So I contacted XXXX directly and just paid the debt. This is why I 'm contacting the Bureau of Consumer Financial Protection so I can be assured that I will get a response and update to my credit reporting issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I turned in my leased ATS Cadillac to the dealer on XXXX XXXX, 2016 at the end of the lease in impeccable shape. The inspection from Ally was done 3 weeks after I turned it in. I have gone around and around with Ally several times why I feel the charges are not accurate and request that a manager call me - which to this date has never happened. I want them to give me an explanation on what these charges are for and why they are refusing to dismiss - since the car was parked in the lot 3 weeks in a super tight lot - who knows who dinged the car in that time period. 

The car was sold at auction - and knowing that they are trying to make more money from me when they made their money ( and more ) from the auction dealer - is even more ludicrous and appalling. 

I am filing this complaint especially after seeing the XXXX dollar law suit that has been charged against them - and the unfair practices that they are known for.

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 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Trans Union had a glitch in there system that violated the rights of their consumbers under section 6.11. As a result, I have been gravely effected and my credit score is suffering as a result. No notice of was ever given which is also a violation. I am requesting that ALL inquiries be removed 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 Step XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **XXXX Apr 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 non-monetary relief
Consumer complaint received 2015-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This particular issue is with all XXXX credit unions. They have me exceeding the limit with XXXX XXXX however, this card has a XXXX balance. In fact all my credit cards are paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
# XXXX - XXXX 1. I took email, code to regions local bank 2. I did XXXX ATM DEBTs 3. A direct deposit more than {$500.00} was done Its say very clear, regions bank gives {$300.00} bonus, the major problem is were is the {$300.00}? 

4. Is it fake? 
5. Is it good for all bank customers? 
6. Does a bank have the right to have false claims?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i was asked questions to verify that it was me and none of the questions were even clos ei believe im a victim of identity theft, it wont let me view 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 non-monetary relief
Consumer complaint received 2015-10-23 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:
They have received no response. I can not logon online to enter dispute due to incorrect information about a mortgage on my credit file. Transunion has incorrect information on my file and is now making it very difficult to report it. The following information is incorrect and not mine, so unless proof of my signature is provided it must be removed from mu report. 
1- XXXX XXXX XXXX # XXXX - DO NOT KNOW OF THIS2 - XXXX # XXXX AND # XXXX THESE ARE NOT MINE AND SHOULD BE REMOVED FROM MY REPORT. 
3 - XXXX XXXX XXXX # XXXX - THIS IS NOT MINE AND NEEDS TO BE REMOVED FROM MY FILE AND REPORT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX PA,XXXX XXXX Account # XXXX No contract or no signature

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 2016-02-18 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: CT

Complaint narrative:
I have been trying to get my annual free credit report from all the agency so that i can dispute whats on their and every time they keep telling me i have to pay to get a report from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The account is XXXX in which I was a authorized user on my mothers account ; The account was not closed and is still active. I am just removed as authorized user because I applied and received my own account with XXXX. Regardless this states that the account was terminated by credit grantor and it was not. Please update your records to reflect these changes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
After review my credit report i founded my old auto loan from XXXX XXXX which this financial agency was closed and given to another financial bank Ally Bank. In 2011, the Ally Bank sent a tax form XXXX Forgive Debt to me and i submitted a copy of this form to all credit agencies to removed this account from credit bureau but this account still showing with no action taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Late XXXX, I sent out a letter to Transunion to dispute inaccurate reporting. In my letter I requested that all NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD BE REMOVED. Transunion did not remove those inquiries. Also, I called Transunion to have RE-INSERTED inquiries removed that were deleted from my report during the system wide glitch. I made Transunion aware that I was not notified within 5 days of re-insertion.

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 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Account # XXXX no contract and no signature

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 2015-09-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have had an auto loan with Ally Financial since XX/XX/XXXX. 
Never has a payment been over 30 days late during this timeperiod. In XX/XX/XXXX I informed the company by phonethat the car was in the process of being sold and received apayoff amount. I was told that this information would benoted to my account. The car was sold to XXXX during theXX/XX/XXXX and I was told the check would besent to Ally the following day. 
According to Ally, the payment was received on XX/XX/XXXX,3 days after the 30-day late timeframe and the payment wasreported late to the credit bureau. I contacted Allyimmediately on XX/XX/XXXX to rectify the situation due to thefact that the payment has never been late and there weredelays with the dealership sending the check on time. Iasked that my the reporting be deleted as I am in theprocess of buying my first home and financing will fallthrough if the negative credit reporting is not deleted. Irequested the review be expedited as I am expectedto close in the next 2 weeks. I have not heard from Ally andcontinue to get conflicting answers over the phone. This ishorrible customer service. The company was informed thatthe car was being paid off well before the due date. It canbe reflected on the check that the car was sold and thecheck sent well before the account exceeded 30 dayspast due. If I am unable to remove this negative reportfrom my credit, I will no longer be approved for my newlyconstructed home and lose thousands of dollars. Mypayment history will show that I have never been 30 dayslate on this loan. I should not be penalized for the lag inprocessing my payment received from the dealership onAlly 's end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Where do i start. I called ally spoke to XXXX people before actually speaking to a rude supervisor- After asking XXXX XXXX is her employee number she claimed to be a supervisor- When i asked her why her employees put me on a hold for more than 15 mins after advising me they will be back in 1 minute. They are already violating. I will be placing a compliant to the cfpb for poor collection practices. I was on the phone for over 1 hour. One person in the company is saying i am past due on my account. They transfer me to collections i wait another 10 mins i speak with the collections representative she says she ca n't help me my account is 40 days ahead.. CAN SOMEONE GIVE ME AN ANSwer.. I ask to speak with a manager and i tell her what is going on she DIDNT SEEM TO CARE- Her response was Just YEA i asked her what do you mean yea.. NO ONE HELPED ME can some investigate this companies policy on customer service and they way they place people on hold- They had 1 working supervisor for the whole company she said and she was the only one taking calls. How can 1 supervisor run a call center.. They reported my credit late. I want this 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 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a letter to XXXX regarding this school claiming I owed money on a balance. I received student loans for the semester a class was dropped before the drop deadline and the school added a balance. Per the school 's own policies and procedures this bill is invalid. I stated this to the school, XXXX, and the collection agency. They refuse to validate the debt I requested this on numerous occasions via email and through mail never responded. According to the law if a company refuses to validate a debt the debt is invalid and has to be removed from your credit report. I stated this to Transunion in my complaint they did nothing to fix the error.

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 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX and receive XXXX. 
Four years ago, while living in Florida, my doctor advised me to go directly to the XXXX XXXX at XXXX XXXX Hospital. At the time I was awaiting my XXXX determination and was covered under XXXX XXXX, XXXX and the XXXX program with the XXXX XXXX XXXX. I have never had any unpaid medical bills prior to that. While checking my credit report I found that a company called XXXX XXXX had placed XXXX items on my credit report. The largest from XXXX Hospital is almost {$3300.00} from XX/XX/2013 which was sold to collections just as the 4 year limit of statutes expired. XXXX XXXX did the same for {$990.00} for what has to be the same visit to XXXX XXXX XXXX. They have made my credit suffer and these accounts had to have been paid by the State programs put in place or else XXXX but no one has that information stating the debt is too old, yet they just added it to 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 non-monetary relief
Consumer complaint received 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I mail a certified letter to Transunion 3 times asking to send me validation of proof of this public record chapter XXXX bankruptcy. Transunion has verified they received all three letters but transunion continues to send me a letter stating verified. I asked for the letter of verification be sent to me on courthouse letter head etc a sample letter is attached Transunion continues to put this matter in dispute why?? Transunion then turn around and send me a credit report stating verified that 's not what Im asking for Im asking for proof of validation and transunion been playing games Im done playing games this is a serious matter and needs to be taking seriously. Attached documents are Letter from XXXX XXXX, Certified letter receipt, transunion validation on credit report, etc Transunion has no proof and I want this deleted off my account this is my final step and being that I followed protocol my next step is to take them to smalls claims court Im done plating games. 

Regards 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 2015-06-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I payed off my car loan through Ally Auto on Saturday XXXX XXXX. The payoff amount was taken out of my account on XXXX XXXX 2015. I called on Wednesday XXXX XXXX to see when I can expect my lien release. The response was 10 days for the money to clear ( although my car loan account listed XXXX balance and the pay off monies was taken out of my checking account ). I then explained that that was ok but at the 10 days I would need to have the lien release note as I sold the car and the buyer only has 14 days to get the title into her name. Ally then told me the paperwork would be mailed to me after the 10 days and it would take 5 to 7 business days. Again I discussed the unsatisfactory time frame. I was told I could request a fax copy after the 10 day money clear timeframe but the fax would then have a 48 hour hold on it after I request it. This hold happens over a weekend so in reality the title will still be over the 14 day mark set by the State of Michigan. I was not informed in my loan paperwork that this event would take up to 17 days to complete if I chose to sell my vehicle before the loan was payed off.

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

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. I have been trying for the last couple of months to settle a dispute on my Transunion credit report. On my report it shows that I have a mortgage with XXXX XXXX XXXX, inc. ( XXXX ). This account ( XXXX ) was not mine and my social security number ( XXXX ) was incorrectly and illegally tied to that account. I tried to bring this to Transunion 's attention in XX/XX/XXXX and XX/XX/2016 but nothing happened. 

I have communicated with XXXX and now have the issue with them resolved. However, the account still shows up on my credit report. This is stopping me from future loans/mortgages. 

This needs to be taken off my credit report due to it not being my account. As I believe it, XXXX have sent this information to Transunion. I have also tried several times to report this to Transunion. 

Attached is a letter from XXXX stating that they have resolved the issue and reported it to Transunion.

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