vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was in a car accident in XXXX and my car was totaled. the insurance company, XXXX, issued full payoff in XXXX. XXXX XXXX XXXX XXXX reported XXXX more on time payments and then late payments and charge off / collections for more than XXXX years after. i disputed the account in transunion and they will not accept the letter from the insurance company that acknowledges the payoff. i can not get anyone to fix this mistake. the account was not a charge off and how can there be XXXX on time payments after the final payment date.\?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I 'm complaining against this company for many reasons : # 1 I can clearly see that there has been no investigation into any of the accounts that I disputed which is a violation of section 1681 - Congress states that once I notify the CRA 's that there are inaccuracies, they are required to investigate and provide results within 30 days. I continue to receive this same statement even though I clearly list my disputes and label what I is not accurate # 3 There are accounts that have had no updates since 2015 which clearly shows that there have been no investigations whatsoever # 4 I 've requested the documents that they are using to verify these accounts as allowed under section 609 - Consumer disclosures - all documents contained in my files - Congress states that the bureaus are required to have these documents prior to reporting the accounts to ascertain that this information is valid, accurate and complete which means that there should be NO problem sending this information to me. Congress also states that the only legal form of verification is firsthand knowledge - that means that they must either be the actual creditor themselves or have the physical documentation - I require this information immediately to pass on to my attorney

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 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate credit information on my credit report.I am totally distressed that I have negative information noted below in my credit profile due to its damaging effects on my good credit standing.XXXX Account XXXX I never received any late notification on this account. XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Disputing a listing with the Original Creditor There is no doubt I am aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a XXXX which was highly embarrassing and has negatively impacted my lifestyle.XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] With the proof I 'm attaching to this letter, I 'm sure you 'll agree that the inaccurate information is harmful to me and, thus, needs to be removed ASAP.

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 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have XXXX loans from XX/XX/XXXX that were transferred for refinance XX/XX/XXXX which are showing on my credit reports as each having 2 missed payments, which never happened. I contacted the original lender XXXX XXXX XXXX XXXX, which was XXXX XXXX now XXXX and they stated they are not reporting. I would like these removed from my all XXXX credit reporting bureaus as this is both inaccurate and over 10 years old.

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 2016-08-31 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XX/XX/XXXX, I submitted a letter to close my account with Ally Bank. XX/XX/XXXX, having not yet received a check, I called to understand status on XXXX XXXX, 2016. They said they mailed the check and would need to reissue a new check. Given the amount ( over {$190000.00} ), I asked them to expedite whatever paperwork was necessary. On XXXX XXXX, I had still not received any paperwork, so again called. They said they had not done anything as a result of my original request, but would send paperwork via email. Since I was traveling, I did not have access to a printer and the paperwork " expired '' after 8 hours. The access to the paperwork was laborious at best as it was sent through a secured site. On XXXX XXXX, I called Ally Bank again ( spend another 30 minutes on the phone ) and they again indicated they would send out paperwork which would need to be notarized. They also indicated they had not yet cancelled the check. A few questions : 1 ) Why did they not immediately cancel the check on XXXX XXXX when I originally notifified them the check had been lost? 
2 ) Why did they not send out the paperwork after the XXXX XXXX call? 
3 ) Why does the paperwork expire after 8 hours so the consumer can not get access to their funds. Since I was traveling, this delayed me yet another 2 weeks? 
4 ) Why does the paperwork have to be notarized and why does it have to be sent through a secured site. On XXXX XXXX, the check had not been cashed, so I do not understand why this level of difficulty in getting access to my funds. 
5 ) Are they making the process inordinately difficult in order to keep my funds, in hopes XXXX XXXX not be relentless enough to spend hours on the phone, find a notary, decode a difficult and confusing software to access the paperwork and hope that they expedite my check and actually deliver it this time. 
I work in financial services, and take the CFPB very seriously. I have never made a complaint, but this situation has been so aggregious and so consumer unfriendly, I thought it important to bring it to your attention. I would appreciate any help you can give me to expedite this matter to a close for me and as importantly to provide Ally guidance on how to treat consumers in the future.

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 2016-03-16 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:
Numerous requests over the years to remove credit card information from my profile with no results. I have a Superior Court Judge judgement from 1989 attached, showing I 'm not responsible for this account and they will not remove and impacts my ability to get the best rates.

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 2017-01-11 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: IL

Complaint narrative:
TransUnion ( TU ) is NOT providing electronic copies of credit reports via www.annualcreditreport.com. XXXX & XXXX process reqeusts correctly & generate immediate electronic credit reports. TU generates an error message. If customers submit email documenting error to www.annualcreditreport.com, TU claims to mail a paper copy to customer, but is NOT willing to make requested electronic version available. I do not want a paper copy, as I want an electronic report for my records. 

Please advise whether CFPB is able to force TU to provide requested electronic report, as I believe is intended by www.annualcreditreport.com. 

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 2015-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Address I never lived at

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion sent a disrespectful letter answering to some disputes on my credit report telling me that my dispute is frivolous. What kind of company they are?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I contacted Ally Financial on XXXX/XXXX/XXXX about the fact they were reporting ( 2 ) 30 day lates on my XXXX and XXXX Report dated XXXX and XXXX yet they were reporting XXXX 30 day late on my XXXX Report dated XXXX. I never had a 30 day late on the account from XXXX when opened until XXXX when traded and paid off. I was told by Ally that it would take them XXXX 5 days to get it corrected. I called them back on XXXX/XXXX/XXXX and they stated I was told incorrectly and that it would take at least 30 days to get a response. They changed the XXXX Bureau on XXXX/XXXX/XXXX to reflect XXXX late payment in XXXX but under status it still showed ( XXXX ) 30 day lates plus they updated the XXXX to XXXX so it brought my score down and they are still reporting it incorrectly. I contacted them again today and was told it would take another 30 days to look into it but that I did have ( XXXX ) 30 day lates in XXXX and XXXX I had all of my notes, dates when I called in and bank statements and the lady stated that the account was in a deferment in XXXX and that it was deferred in XXXX yet I made a payment on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. They said they did not have a record of where they changed the due date on the account at any point and the contract due date was the XXXX yet they mailed me a confirmation that it was changed to the XXXX of each month. They stated they did not have access to my XXXX/XXXX/XXXX phone conversation. Basically they are reporting erroneous information on all XXXX bureaus and they want me to wait another 30 days for them to correct it despite telling them i was in the process of trying to save our home and refinance it and they keep getting the information more messed up. I want all the late 's removed from all XXXX credit bureau files immediately and for the bureaus to reflect paid as agreed and never late as it should. I should n't be penalized for there errors.

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 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion reinserTed an account on my credit file by portfolio recovery services thay has been deleted from my credit report. The original creditor was XXXX XXXX XXXX in which was reported by XXXX recovery services, this account was deleted from myncredit.file in 2015.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XXXX/XXXX/2016 I received an alert that Transunion had decreased my scores by XXXX points. I called and spoke with them and they said that I had negative items an my report. I told him that these negative items carried zero balances and the only recent activity on my report was an inquiry and that did n't amount to a XXXX point decrease. They also removed an account earlier from my report that I 'm still making payments on. I have n't seen that account on my report since XXXX. Why would they remove accounts from report that is active and timely payments are being made on this 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 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. Review the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at the time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the Consumer Protection Agency. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster Relief program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have XXXX names on my credit report same peron just XXXX different names ... also weong address reciently moved maybe 4 months ago ... and also it says i have no employment info but i work full time and have been for the past few years

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 2015-04-07 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:
THIS CREDIT REPORTING AGENCY TRANSUNION WAS TOLD IN A WRITTEN COMPLAINT THAT AN ITEM THAT JUST APPEARED ON MY TRANUNION CREDIT FILE ON XXXX/XXXX/2015 THAT THE ITEM WAS NOT MINE AND I DEMAND IT BE TAKING OFF AT ONCE AND THEY HAVE REFUSED TO REMOVE IT I REQUESTED THEM TO SEND ME THE ORIGINAL PAPERWORK TO PROVE THE ITEM IS MINE AS PER THE FCRA RULES AND THEY HAVE REFUSED THAT AS WELL THEY ARE IN VIOLATION OF FCRA RULES AND REGULATIONS AND I DEMAND THATHIS ITEM FROM A COMPANY XXXX FOR {$1700.00} THIS ITEM IS NOT MINE AND WANT IT REMOVED AT ONCE ... IT TAKES THEM XXXX DAYS TO REMOVE AN ITEM BUT ABOUT XXXX SECONDS TO PUT AN ITEM ON ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Bank locked out my account. Despite my submitting all the required documents they still have locked all access to my account for over 24 hours

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
There is an acct. Listed as being " open and in collection '' on my credit report. The collection company is XXXX most and they list the original creditor as XXXX XXXX dvd. I have never done business of any sort with XXXX XXXX dvd, in fact I have never even owned a dvd player. The claim that I owe them money is completely erroneous and should be removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 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:
Transunion is reporting a bankruptcy from XXXX, Colorado on my credit report. First off, I have never filed for bankruptcy. Second, I 've never lived in or been to Colorado. I disputed the report. They came back after30 days and said they did n't find enough evidence to remove it. I called Transunion and was told I was wasting their time. I contacted the court where I supposedly filed the bankruptcy. They did not have my social security number or birthday associated with my name on file. I do n't know what to do from here.

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 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was alerted that on XXXX XXXX a hard inquiry was placed on my credit report with Transunion by XXXX. I did not apply for any credit with XXXX and someone applied for this credit without my authorization. XXXX acknowledged that a application for credit was filed but denied because not enough correct information was supplied with the application. I sent a letter to XXXX saying this was without my authorization and fraudulent and XXXX responded back that they are unable to remove the inquiry and that I should dispute this inquiry with Equifax.

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 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I never lived at the XXXX PA address. This is not or never has been my address. Please remove 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 non-monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have informed you that the XXXX account that is reporting as a collection on my credit file do not belong to me. This account is a result of identity theft. Please remove from my credit file, immediately. Please find police report attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-18 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:
TransUnion is reporting XXXX XXXX XXXX accounts the do not belong to me. I filed a police report and sent it to them as well as sent them a notarized affidavit along with Section 605 ( b ) which requires them to block all documented fraudulent items. They refused to remove those fraudulent items. I contacted XXXX XXXX they told me that they released those items and to see TransUnion about it. TransUnion continues to ignore my request.

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 2017-01-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX XXXX prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX and they have failed to do so.

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