vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE ASKED TRANS UNION TO CORRECT MANY MANY ERRORS IN MY CREDIT REPORT. AFTER THAT I NEVER GOT A RESPONSE. SO I ASKED TO SEND ME THE CORRECTED REPORT. THEN ASKED MY ALL KIND OF DOCUMENTS TO HARASS ME. I SENT THOSE DOCUMENTS ( DMV AND BILL ) NOTARIZED. TRANS UNION WANTS SAME AGAIN AND AGAIN. AT SOME POINT I WANT TRANS UNION TO STOP HARASSING ME TO GET A CORRECTED CREDIT REPORT. TRANS UNION NEVER SENDS CREDIT REPORT WITHOUT HARASSING ME FIVE TO SIX TIMES. I AM SICK AND TIRED OF THIS HARASSMENT - THERE IS NO REASON FOR ME TO NOT TO GET A CORRECTED REPORT, AFTER DISPUTED VARIOUS ELEMENTS IN THE CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The credit reporting agencies are incorrectly reporting my current account status as 60-120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
We have received phone calls to our business from Ally Financial ph # XXXX repeatedly for two weeks and every time I pick up, they hang up on me. I called them on XXXX XXXX and asked them not to call because the previous owner they are trying to collect money from does not have that same number anymore. They assured me that our number would be removed from their list. We have received four more calls since the day I called.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
I set up a car payment with Ally auto for XXXX XXXX, 2015. I then decided to reschedule that payment for XXXX XXXX to wait for my payday. I went back into my account and saw that I still had the option to cancel the payment, so I did. The payment said it was cancelled on my end. I then proceeded to set up a new payment to come out on my payday. On XXXX XXXX, ally auto deducted {$410.00} from my bank account, and then deducted another {$410.00} from my bank account on XXXX XXXX. I called both the bank and the auto finance company to explain the situation, that I was double charged, and set up a dispute. My dispute was denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion should not be allowed to " Rubber Stamp '' my dispute with the company 's response. Of course, the mortgage company is going to say they are correct. I provided payment history to Transunion for the entire loan showing my payments were made and not 30 days late. This issue started with a minor dispute of my escrow account that XXXX XXXX ignored and they did not provide communication or statements. I contacted them numerous time by phone. This MINOR correction snowballed as XXXX was charging enormous and erroneous charges to my account. These were not even allowed if you read my loan contract. XXXX XXXX probably owes me $ XXXX. I went through proper channels with XXXX to no avail even though their President acknowledged their mistakes. They started foreclosure proceedings doing monthly inspections even though they received payment each and every month as well as I was in contact with them by email and telephone several times per month. They did not send anything in writing stating they were beginning these proceedings - also against the RESPA laws. Transunion has documentation from XXXX 's President saying they would reverse charges. I expressly inquired to XXXX if they had corrected my credit. They did not and should have. I have had bank mortgage personnel review my payments to XXXX and they were so messed up, confusing and convoluted the PROFESSIONALS could not reconcile my loan!!! WOW! 
Transunion 's response to my dispute - " We have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, XXXX XXXX XXXX # XXXX was notified of your disputes. In response to the investigations, the disputed information was verified Mortgage Loan Number Loan # XXXX have contacted XXXX XXXX XXXX at XXXX and spoke with XXXX XXXX. According to their records, the late payment history reflecting for XXXX XXXX - XXXX XXXX is accurately reporting for XXXX XXXX XXXX # XXXX. '' XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX My original dispute to Transunion " XXXX XXXX has erroneously reported my credit 30 days late for nine months beginning XXXX, XXXX through XXXX, XXXX ( sold house XXXX, XXXX ). '' I disputed this directly with XXXX XXXX numerous times over the past two years, and I also contacted Transunion to dispute this information. Transunion 's response was " XXXX, XXXX XXXX ''. 
XXXX Mortgage even had their attorney send me correspondence telling me to quit contacting them or anyone else regarding my credit reporting, after I have them a bad review on Oklahoma 's XXXX site. Really? That is XXXX. XXXX XXXX, in my opinion, is a group of " Thieves ''. I have seen numerous other disputes from their customers similar to mine.

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 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On Friday XXXX XXXX, 2016 I called Transunion and XXXX to let them know that they were inaccurately reporting personal information, specifically addresses on my credit report. XXXX agreed to delete inaccurate addresses that I am no longer associated with specifically the address : XXXX XXXX ca XXXX - Transunion added this address to my credit file and i have NEVER been associated with this address. This address can not be verified by any means as i have never been associated with this residence. They also added XXXX XXXX XXXX XXXX an old address i am no longer associated with. Reporting these addresses on my file inaccurately is putting me at a high risk for identity theft.

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 2015-10-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed.Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified. '' that I have disputed.Please resolve this manner as soon as possible.Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My bankruptcy was XXXX/XXXX/09. Should n't this now be off of my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I just recently reviewed my credit report and noticed a negative account from XXXX which i have no idea where it came from or how it suddenly appeared on the report. Years ago i had a fraudulent / bogus charge from XXXX which, when challenged was removed from my credit history. I have had no dealings at all with XXXX since around 2009, and the account was closed in good standing as far as i knew. I never received any bills or anything at all from anybody regarding owing XXXX anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Civil judgement was vacated. Case was dismissed without prejudice. Forwarded copy of the order from the court to transunion via fax on XXXX/XXXX/2015. On XXXX/XXXX/2015 their " investigation '' was closed and the item was " verified as accurate '' which is impossible, because it is incorrect. After spending several hours on the phone today being transferred and disconnected over and over again, it is clear that they have no intention of fixing this error. They claim to have never received my document and asked me to fax it again. When I asked them to verify receipt of the fax, they said that they could not. 

This is a never ending cycle of incompetence coupled with the inability to easily communicate with anyone due to the language barrier of the operators. I speak English. My initial call, I was transferred to a supervisor and disconnected. The second call I was transferred 3 times to XXXX different supervisors, then disconnected while being transferred to the XXXX. The XXXX call, I was disconnected by the first operator while he was attempting to transfer me. 

This is not a matter of he said/she said. It is indisputable fact that no one is arguing except for transunion. The court will confirm that the judgement was vacated and the case has been dismissed. The original plaintiff will confirm that the judgement has been vacated and the case has been dismissed. I have hard evidence proving that the judgement was vacated. Transunion just really wants to keep this on my report for no apparent reason. 

They categorically refuse to remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have informed Tranunion that the following addresses are not mine or never was mine : XXXX XXXX and XXXX Please have these addresses removed from my credit file.

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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am a victim of identity theft and have an unauthorized and fraudulent credit inquiry listed on my Trans Union credit report that do n't belong to me. I made a police report with XXXX XXXX Police Department and sent a copy of the police report to Trans Union a few weeks ago in regards to the unauthorized and fraudulent credit inquiry. The police report case number is : XXXX. The following unauthorized and fraudulent credit inquiry do n't belong to me : XXXX XXXX XXXX, XXXX/XXXX/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 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The account has been paid in full but not removed from my credit report in Georgia.

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 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have filed numerous disputes with all XXXX credit bureaus about information on my report, either too old, closed/pay as agreed, or insurance company paid bill. They have refused to investigate or remove the items from my reports. 

In XXXX, for example, I had a work related injury. I had to file a worker 's compensation suit against my employer 's insurance company. After the judge awarded me both financial and medical compensation, my attorney advised all medical bills be paid by their insurance company. There are at least XXXX items still showing on my reports that were never taken off from that injury and the judge 's decision. 

I have contacted Transunion, XXXX, and XXXX about these reports and not one of them had even investigated these. They are refusing to delete any reports and refusing to investigate said disputes. I filed the disputes not long after the judge 's decision in XXXX, but they are still there showing unpaid/collections with the remark " consumer disputes ''

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 2016-12-14 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:
I disputed items on my report that were due to fraud and identity theft. The items were deleted and reinstated by a new collection agency months later after investigation concluded.

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 2016-02-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is reporting a XXXX XXXX on my credit report. This transaction was not initiated by myself it was a towed vehicle that was sold by myself. 

Transunion and finex group have no standing in reporting anything on my credit report since this was not initiated by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Draper and Kramer Mortgage Corp.
State: IL

Complaint narrative:
Regarding complaint XXXX : Following my earlier response, the company forwarded the attached information to evidence the matter had been resolved and title to my home was now correct. However, upon reviewing the attached, it indicated that the home was now owned 75 % by my wife 's trust and 25 % by my trust. The home was transferred to both of our trusts 50/50 in 2000. Please see attached evidence. This issue has NOT been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
all public liens were paid

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reported a dispute with trans union over my adress.

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 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX has been reporting my account as late for over 90 days, back in XXXX I contacted them about my name change. They lost my files and never changed my name, from my marital last name to my maiden name. In XXXX my family went through a hard time and I contacted a debt management XXXX to help make sure that everyone still received payments including XXXX. XXXX denied my request yet accepted the payment from the debt management claiming that the last names did not match, however reported me to the credit bureau as late 30 day. I called to find out why were they able to accept a payment under a different last name same social security number but deny a proposal based on last name which i submitted back in XXXX. They reported through social which is on a totally different last name. Every month they received a payment from the XXXX XXXX company yet report me as being late for XXXX days, ruining my credit significantly. I contacted them only to be rudely answered by customer service. I am in the process of buying a house and they are the only company who have significantly ruined my credit with the late payments. I have stayed in constant contact with XXXX never missed a payment to the day that my family went into financial difficulty and still i ensured that they received a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I provided Tranunion a affidavit of fraud and a XXXX XXXX Police report. I received a letter stating they would not do an identity block because I did not provide a valid law enforcement report. So, it could not be accepted. This is a valid report issued by XXXX XXXX police department and all the information can be verified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 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 sent a letter to TransUnion letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. TransUnion did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX 2016, XXXX 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and XXXX request to be investigated have been ignored.

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: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I joined the XXXX and reported on my XXXX birthday. My unit began to process my security clearance and the Trans Union report comes back with XXXX line items that were fraudlently applied to my social security number by my biological mother. In order to continue security clearnance processing I need correspondence from Trans Union to show that they are investigating the fraudelent line items. They indicated that they are investigating the line items, but refused to send me written confirmation of this action. I spent over XXXX hour on the phone being transferred through multiple " supervisors '' that were unwilling or unable to complete this task. The reason varied stating words to the effect of, " We will not do that '', " We can not do that '', " Our system is n't working, you must call back tomorrow '', or " We can not talk to you ''. They attempted to change my address to the temporary Military training address I am using while in XXXX Missouri. I will need it sent to the Military installation I am training at, and not my home of record that is associated with my social security number. 

All I need is correspondence from Trans Union stating that the fraudelent line items are being investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, the XXXX XXXX XXXX company in XXXX XXXX, MO placed a collection on my credit report stating that I owe {$480.00} from XX/XX/XXXX. This company called me XXXX and when I asked for documentation about the collection, they decided to place this collection on my credit report without further notification.

Company public response: Company 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 — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I 've been gravely affected and credit score is affected as a result of it. No notice was ever given and that 's 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/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