vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have been disputing a business account that is reporting to my personal credit profile by the credit provider, I have disputed this item for some time now and have not received any documentation from the credit provider or the credit bureaus regarding their investigation process or any documentation they reviewed regarding my dispute.

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 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
After looking for cars in last 6 months. I had a used car dealer run my credit XXXX times that I did not authorize. After seeing my credit report I was shocked to see how many inquiry 's were on my report. I did not authorize any inquiry 's. These inquiry 's should be removed from my report. I should not have to wait 2 years for these inquiry 's to be removed. They are negatively effecting my ability to use my credit. There should be more control of people who run citizens credit when it is so important. I have been told this happens a lot at car dealerships this is very upsetting.

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 2016-09-14 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:
XXXX XXXX XXXX, 2016 I checked my credit with XXXX XXXX and had a total of XXXX hard inquiries removed from my credit report. I checked my credit with XXXX XXXX on XXXX XXXX, 2016 and all XXXX hard inquiries were reinserted back on my credit report. Transunion never informed me that the XXXX inquiries would be reinserted. I did not receive any form of communication from Transunion as required by the FCRA section 611. I have been calling Transunion since XXXX XXXX and begging for someone to assist me. To no avail I have not received any assistance from them. I have requested to speak to a representative in the United States in the special handling or dispute department - received no assistance. Multiple agents have been belligerent, some have told me that they know there was a glitch but tough luck on me and I should file a complaint. As of yesterday, XXXX XXXX, I gave it a try again and still did not get any assistance.

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 2016-10-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
In reviewing the fraudulent truth in lending statement from Ally Finance, it appears that the lender was receiving kickbacks on the interest rate. Whomever was paying this enormous payment deserves some sort of restitution as Ally really raked them through the coals. Obviously, they did not pull my credit report because I had a fraud alert and freeze. I am wondering if they pulled anyone 's credit or simply stuck a unreasonable rate. They need to be held accountable. They have gotten away with so many dishonest things it 's ridiculous. The truth in lending states there is gap insurance on this automobile. Why would one need gap insurance on a brand new automobile if it were factory to dealer pricing unless the purchase price were jacked up? I am lucky this is not my loan. But whoever did take this deserves to be compensated because Ally totally charges them a massive rate and doubles the price of the vehicle. Who would agree to pay XXXX for a XXXX? you can have a XXXX for that amount of money. Ally financial are crooks and they better remove their fraudulent account from my report. If it is not fraudulent and if you did not know that, why wo n't you produce the documents. Because you know it is fraud. I never made payments to you and here you have quite an extensive payment history, Your reputation definitely has been earned.

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 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
There are XXXX student loan accounts for my Daughter that i was a co-signer on. Both of these account were in collection. The agency that serviced these accounts was XXXX and they had written off both accounts in XXXX XXXX. Fast XXXX on XXXX/XXXX/XXXX XXXX ( XXXX bank ) was settled in full thru XXXX Bank. The XXXX loan on XXXX/XXXX/XXXX XXXX was settled in full XXXX XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX contracted by XXXX XXXX XXXX XXXX XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. XXXX claims they have nothing to do with these accounts since they wrote them off in XXXX of XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. XXXX has done another wonderful thing and that is they have XXXX account number for both of those accounts, which is the account number for the XXXX loan, but the XXXX loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent XXXX letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. TransUnion even has gone as far as on the XXXX ( XXXX ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular TransUnion ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to XXXX they absolutely refuse to report these accounts as settled in full. XXXX says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the XXXX. As i said XXXX did a wonderful thing by listing both accounts under XXXX account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and XXXX and the credit agencies refuse to correct this. Your our last resort. 
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 non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently got notification on XX/XX/2017 that several inquiries and my collection had been removed from my report. Today I received notification that they all were placed back on report without notifying me properly. Would like all removed permanently.

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 2015-04-04 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I keep getting loan offers an cars approved loans tellamarketers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit report shows zero balance for XXXX Service Center in New Jersey. In reality, we owe well over {$400000.00}. The credit report also shows that we have not made any payments, in reality we have paid our mortgage in full every month. This erroneous information is preventing us from refinancing our current mortgage. We are told by XXXX that there is no one to speak to regarding this problem, all correspondence must be done through fax. We did file for Chapter XXXX in XXXX of 2010. 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 2016-05-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
This is now going on 3 years, XXXX has removed this debt, but TransUnion is still showing as an open 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 explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally Financial is reporting to the credit bureaus that I owe them {$6600.00} based upon an account that I has with them over 7 years ago. I disputed that balance with the credit bureaus, but the credit bureaus told me that Ally Financial said they think the debt they are reporting is legitimate. I firmly believe that I have no outstanding balance owed to Ally. I have contacted Ally Financial for some time now, requesting that they supply me with a detailed explanation of the charges they are reporting, which constitutes the {$6600.00} balance they are reporting that I owe. They refuse to send that information to me. I believe it is completely unfair for them to continue to report I have an outstanding debt without supplying any sort of explanation of where this balance came from.

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 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
At Transunion I spoke to a Supervisor named XXXX. I have approximately XXXX hard requests that are not mine. He told me he could not dispute them. I had to call them individually then make a police report for FRAUD. I called each XXXX they say they have no applications for me so then it was an error. I ca n't get letters so They will not take off my report. The police said they need to do there job. If there are no reports then there is no fraud.

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 2015-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: NY

Complaint narrative:
On multiple occasions, emails and phone calls were placed re the modification review. No regard or courtesy acknowledgment was received regarding the status update. The medication review was denied. 
XX/XX/XXXX2015 : Faxed the Modification Package XXXX. Confirmation of receipt of XXXX pages was emailed XXXXXX/XX/2015 XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Successfully SentXX/XX/XXXX2015 : Emailed XXXX requesting confirmation of receipt and status update of the modification review. No ResponseXX/XX/XXXX : Faxed the Modification Package to Selene Finance XXXX. Confirmation of receipt below : XX/XX/XXXX2015 XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Successfully Sent XX/XX/2015 XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Successfully SentXX/XX/2015 : Left voice message ( XXXX XXXX XXXX regarding the modification review. No follow up call returnedXX/XX/2015 : Left voice message XXXX requesting update on the modification review. No follow up call returned. 
XXXX/XXXX/2015 : Emailed XXXX XXXX requesting update on the modification review. No response returned. 
XXXX : Spoke XXXX, he stated he has n't heard from your client, he will follow up with them and get back to me. Sent a follow up email XXXXXX/XX/2015 : Sent email XXXX notifying them of the numerous calls and emails sent to their attention. Not one courtesy email or call was returned. 
XXXX/XXXX/2015 : Received modification denial letter advising case was closed out due to no or lack of documentsAt one point, during the modification review, your firm was under the impression that our client, XXXX was applying for a short sale! Please explain. 
XXXX/XXXX/2015 : Spoke XXXX- discussed the lack of communication and empathy during the course of the modification review. Per XXXX request, I emailed the denial letter for his review. Currently waiting for update ... 
XXXX/XXXX/2015 : Sent an email XXXX re the concerns of the denial letter. Requested status updateXX/XX/2015 : Faxed Appeal letter to XXXX. Emailed the appeal letter XXXX. 
XX/XX/2015 XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX Successfully SentXX/XX/2105 : XXXX confirmed receipt of the attached appeal letterXX/XX/2015 : XXXX XXXX emailed the same denial letter in question. No update on the modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have previously written to the credit agencies and to the collection agencies regarding XXXX collections that is showing up on all XXXX of my credit reports to no avail have I been able to obtain proof/verification that these belong to me. They were previously deleted and then reinserted, which I think is of fair for me. I would like to solve this issue without any further obligation. 

1. XXXX {$680.00} 2. XXXX {$330.00} 3. XXXX XXXX XXXX {$330.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried to open an account with XXXX and I was told that I already have an account open with my phone number. Then the day that I was supposed to get the installation I got a few calls from the company. I was told that I had a debt with them for $ 270+. This is impossible, because I 've never been with XXXX before. I 've only inquired about offers with them. On my credit report I 've seen bills for emergency medical resources. I 've got insurance that covers all my medical bills, so I do n't know where that came from. I 've even seen something for XXXX on there within the past year. I 've been with XXXX XXXX XXXX since XX/XX/XXXX I know that is n't me. I even saw something for XXXX that has the date of XXXX XX/XX/XXXX

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 — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The account information being reported to credit bureaus is inaccurate and misleading.

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 2016-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I was offered a credit card from XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX. I sent in the application and never received the card. On researching, the bank of mailboxes that supplies our house was broken into and mail stolen. We called XXXX XXXX XXXX and reported we never got the card. The card was apparently used at a XXXX in XXXX Colorado shortly thereafter. and the police were to lazy to look at the security camera video and apprehend the thief. I have called XXXX XXXX XXXX 5 ( five ) times since and each time been told that the realized that this was the case and that they would erase any charges and close the account, and each time continued to receive bills until the 5th time. Apparently they then reported adversely on my credit. The last time I talked to them was over a year ago. Apparently No matter how many times I call them they can not get it right so I thought I would go to this website to get action. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Colorado 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 2015-12-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There have been several request made for information to be researched and validated with Experian. The problem is the companies that I am listing would not respond directly to my request for validation or any type of information so how is Experian able to validate or verify anything? The below accounts need to be removed ASAP. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bank XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
now I understand why the FCRA was made because these companies are full of abuse and only want to make money off of inaccurate information! I disputed twice with all XXXX bureaus and I had a few deletions but then they were reinserted on my file and I was never notified and they have to do it within 5 business days of reinsertion. Are they willing to sign an affidavit swearing under oath they sent me something? I get all of my mail and I received all the mail from them except for that. they did n't send me anything and by law they must remove it. not only that, but they did n't send me the procedure they used to verify these items and seeing my name on a screen does not qualify as verification. I asked for the documentation and they did n't provide it. they have a job to make certain that the information on my report is correct and not only that, they have to make sure that the info they receive from the creditors is correct and they did n't. I do n't know what this bankruyptcy is either and the only response is that it stays on my file XXXX10 years. did I ask how long it stays on? No I did n't. I have already complained to the XXXX for my state and I will make a press release. they are treating me unfairly and are breaking the law! 

Experian reinsertion : 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 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested my credit report from at XXXX and on the report from Experian there are many creditors that I do not recognize and also there are several adressess that do not match mi personal data. The other reports that I received from XXXX and XXXX are correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reported XXXX accounts that are showing up on my credit report with Experian. Both accounts were investigate by Experian with a final notice posted on my credit report for XXXX public records as : This item remained unchanged from our processing of your dispute in XXXX 2017. 

I would like to know the method of validation Experian is using for these XXXX public records, including the name of the company and person they are confirming this information with. They are not taking the necessary lengths to verify inaccurate information on my credit report and it is causing me financial harm.

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 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are several inquires on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Experian. Experian has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Experian to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Experian have failed to provide me proof that I authorized these inquires. Experian has also failed to remove these inquires from my report as they were not authorized by and are now FRAUD inquires. 
XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX XXXX Date : XXXX XXXX, XXXX XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief