vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-08 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:
On my credit report it shows that I have an open credit card with XXXX. That is not the case. I only possess XXXX credit cards, XXXX through XXXX Bank and XXXX through XXXX XXXX Bank. My father whose name is XXXX XXXX has the XXXX card in his name. My name is XXXX XXXX XXXX. We are not the same people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX bank did not comply with the Fair Credit Reporting Act, section 611. I submitted a judgement ( attached ) regarding the disputed amount on XXXX XXXX, 2015, and they failed to respond within the statutory 5 business day period, even when I had provided my email and requested to be notified via email to expedite the process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have had a car loan through Ally Financial Inc. for three years. I have had many issue 's with this company starting soon after. There have been a total of at least XXXX checks that have been " lost '' by this company. Forcing me to reissue the check. The call center for this company is located off-shore. The individuals working in the call center do not speak clear, concise English. They are unable or unwilling to help. Though they have no trouble in using many different bully tactics to intimidate and threaten. I have received up to 10 calls in a day. These calls are robo-dialed, when I answer the phone, I have had to hold on for up to 3-5 minutes to waiting on XXXX of these individuals to come onto the phone. The calls can come every 15 minutes, or every two hours. This company states they may record calls for quality assurance and/or training purposes. However, if told that they are being recorded, they state that they can NOT be recorded. I attempted to be nice in the beginning. I have now become just as rude and mean to these individuals in the same manner as they are to me over the phone. Ally encourages and condones the questionable business tactics used by these call centers. The one time that I did speak to an individual who was located in Texas. I was called " racist '' for having the utter audacity to complain about the inability of the off-shore call center to speak clearly and their inability to answer the most simple of questions. Now, for the first time, my loan has went past the 30 days, due to the fact, yet another payment has been lost, not received or not posted in a timely manner. Which adds another late fee, in addition to being reported to the credit bureau ( s ). I have resorted to sending payment with a delivery confirmation, which is an additional expense of XXXX-XXXX dollars, when I am able to. It is my firm believe that this company is conveniently loosing my payment in retaliation for my not quietly accepting the treatment by the associates, agents, employee and/or representatives of this company. The bully tactics, harassment, intimidation and threats, which are both express and implied, are going to have to stop. If this company expects respect then they need to show a little respect. The added stress that is directly related to Ally and their less than professional business tactics have started to affect my health. I would like for an investigation to be conducted concerning this business. This business needs to supply the requested documentation. I do not believe that a company can loose XXXX or more payments in three years. The bullying and revenge/retaliation tactics need to stop. I am considering bringing a legal suit against this company and will include the mental and emotional distress caused by this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TRANSUNION has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that TRANSUNION HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - TRANSUNION are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. TRANSUNION is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX Bank has added a duplicate Credit Account that was either previously recorded or previously removed from my Credit Report. This is according to XXXX 's records. Per the attached screenshot, XXXX added this duplicate record on XXXX XXXX, 2016. I would like the record removed. 

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 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I asked Transunion why the dropped my XXXX score by XXXX points, of course they just could n't answer the question, so they said the account listed below is the reason listing " new information '' this is totally false and inaccurate, I have made all payments on time more over I have paid XXXX to creditors sins this report, I have researched this extensively and my XXXX score should be going up by leaps and bounds as I have played XXXX to creditors and have not missed XXXX payment. Listed below is the fair crdit act which they are in violation of. 

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 2017-03-06 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:
Dear Credit Bureau, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail and fax for purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages. Identity Theft Report FCRA Section 605B law Please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 
XXXX {$1700.00} TransUnion ACCOUNT XXXX {$1200.00} TransUnion XXXX XXXX FL {$1200.00} TransUnion ERC 11 XXXX {$800.00} TransUnion XXXX 11 XXXX {$800.00} TransUnion XXXX XXXX FL {$750.00} TransUnion XXXX XXXX C {$550.00} TransUnion XXXX {$440.00} TransUnion XXXX XXXX FL {$170.00} TransUnion Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL 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 2016-07-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have an account with XXXX XXXX, A Secured credit card, I paid the balance, and I have resolved the account and they still would not remove the tradeline. I called sent emails and contacted the company and I 'm not getting any positive responses, after they said they would remove after payment. I have attached a letter from the collection company stating its paid and i have no debt with them so they should remove the tradeline.

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 2016-08-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I could not continue making payments to XXXX XXXX XXXX XXXX XXXX NE XXXX in XXXX XXXX. I called them and made arrangements for the vehicle to be returned. XXXX XXXX XXXX reported a " charge off '' of {$11000.00} to TransUnion. XXXX then sold the debt to a third party ( XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. ) In XXXX XXXX I contacted XXXX to pay off the debt. XXXX referred me to a third party collector XXXX XXXX XXXX ( XXXX ). I contacted XXXX and we agreed upon {$7700.00} to settle the debt, and I overnight mailed XXXX a cashier 's check. 

Now the problem : I obtained copies of my credit reports from all XXXX credit bureaus and the debt remains showing as a " charge off. '' XXXX says they wo n't report this account as " paid '' to TransUnion, that it is XXXX 's responsibility even though XXXX is mentioned on the credit report under XXXX 's Name. XXXX says they wo n't change the status. I have disputed it with TransUnion three times and submitted proof of settlement and payment, but TransUnion refuses to accurately update the credit report. 

I submit that : one, when XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX, the debt ceased to be a charge off and that XXXX should have changed to status from " charge off '' to " debt sold '' ; two, once XXXX was informed by XXXX that the debt was paid/settled, that XXXX must change the status on the credit report to " paid/settlement '' ; three, that since proof of payment has been provided to TransUnion three times and that this inaccurate information on my credit report has been disputed three times ( and that XXXX and XXXX both acknowledge that the debt is paid, ) that TransUnion must change the credit report status from " charge off '' to " paid '' or " settlement. ''

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 2016-12-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Unfair, deceptive, and abusive sales practices. Formal complaint against Ally Financial and XXXX XXXX XXXX. - I purchased a XXXX XXXX XXXX on XX/XX/2016 at XXXX XXXX XXXX in XXXX, Florida 5 days after the death of my mother. The dealer and the bank took advantage of my vulnerable state of mind and sold/financed a vehicle that has an existing lien from the prior owner without providing me with this information. The dealer showed me a clean XXXX report demonstrating the vehicle had no reported accidents, but neither Ally Financial, nor the dealer advised me that the vehicle could not be legally sold to me while it has an outstanding lien from the prior owner. At the time of purchase, I paid {$4000.00} down and financed the remaining balance of {$23000.00} with Ally Financial ( account XXXX ). At the time of purchase the dealer was unable to provide a registration for the vehicle ; I was advised that I could use my expired tag that I was transferring to the vehicle until the DMV sent me the registration within 30 days. Subsequently, after making multiple complaints, the dealer provided me with a dealer tag to use on the vehicle that I had purchased, yet still failed to explain what the issue was with the registration for the vehicle. On XX/XX/2016, I received a call from the dealer informing me that I needed to contact XXXX XXXX because they have an insurance hold on the vehicle for an existing lien. During the conversation, I learned that the lien is for the prior owner of the vehicle. On XX/XX/2016, I contacted Ally Financial to make a complaint of this unfair, deceptive, and abusive act that involves the dealer as well as the bank. The dealer illegally sold me a vehicle with an existing lien, and Ally Financial proceeded to finance the vehicle and received payment for a vehicle in which they have no rights to. I also ran a XXXX report, and verified that the vehicle ( Title # XXXX, VIN # XXXX ) was registered as a personal vehicle with a loan or lien reported on XX/XX/2016. I have already invested {$5400.00}, and suffered a major impact to my credit score from the excessive hard inquiries, yet I am still not the rightful owne, nor would I be able to make any other major purchases at this time based on how this has impacted my credit score. I would ask that the CFPB intervene in this matter on my behalf. Thank you in advance for your assistance with this matter.

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 2015-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: CA

Complaint narrative:
I have contacted my mortgage company now XXXX times to request an assistance packet. XXXX by phone and XXXX via there online " contact us ''. In my initial call to my servicer, I was told by a collector that I am a first payment default and that this was worse than a bankruptcy on my credit. He proceeded to tell me that a modification in NOT an option. My loan is not even a first payment default. The XXXX time I called I was again quoted a 24hr turnaround time to receive the packet. Which as of this date, I still DO not have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 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:
Checked my report in XXXX 2016 all my inquiries showed deleted. Never received a notice. Check my report now the inquiries are back.

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 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to express my sense of disgust with these XXXX credit reporting bureaus which abuse the consumers by posting inaccurate and unfounded facts on the reports causing an adverse financial injuries to consumer. 
1- These XXXX bureaus have mixed up my social security number with probably my cousins, or other family members and have caused that I have not been able to receive loans with proper rates. 
2- The parasitic companies like XXXX, XXXX which thrive on ripping off people have filed that I had late payments or I owe them. I have letters from them that I owe nothing and the information should have not been there. XXXX erroneously had applied my payments to another account causing late recording on my account. They promised to fix it and notify these XXXX disgusting credit report agencies ( Trans/etc. ) to remove the errors. It is still there and with impunity they have kept it there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XXXX/XXXX/2014, I requested a wire transfer from my savings/brokerage account at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, to my Ally Bank, XXXX. XXXX XXXX, XXXX XXXX, PA XXXX individual checking account in the amount of {$3000.00}. The funds were drafted and I was charged a wire transfer fee of {$25.00} on the same day. The wire reference number was XXXX. I confirmed the XXXX and routing number to be the correct values with both institutions. XXXX claims that the funds were accepted, Ally Bank claims that they never received them. XXXX claims that they can not recall funds after they have been sent, Ally claims that they can not credit funds without a wire transfer receipt. I am at the end of my rope, and would appreciate any guidance that you could provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has reported misinformation concerning possibly auto loan and mortgage loan.

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 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I filled out a request on-line to Transunion in XXXX, 2015 to investigate a fraudulent reporting on my credit report. The request for investigation was for a line item on my credit report from XXXX XXXX, # XXXX, for a collection of {$410.00} that was from the XXXX XXXX XXXX XXXX in New Hampshire. I explained to Transunion that I did not bring my animals to that veterinarian, and further explained that when I called the vet to dispute the charge, the vet said the bill was for the animal " Willow ''. I explained that the animal in question was my x-wifes cat that she purchased years after our divorce. The vet also stated that the address on the account was my x-wifes, as well as the phone number on the account. Only the name was mine. Therefore, the vet removed my name from the bill but they did not remove the amount from collections. Therefore, I was disputing this amount on the collections with Transunion. Unfortunately, I never heard back from Transunion. When I called back in XXXX of 2015, they stated that they could see the request on-line, but the request never made it to the correct office to investigate my complaint. I then gave a second complaint over the phone, explaining all of the above. Transunion completed their investigation and came back with the result " VERIFIED, NO CHANGE ''. Therefore, I would like to file a complaint against Transunion for 1, not acting on my original request for an investigation into a fraudulent reporting on my credit report. But also 2, for completing the second request and coming back with a " VERFIED, NO CHANGE '' finding with all of the evidence clearly exists to show that this is a fraudulent charge.

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

Complaint narrative:
personal names are not mine. I am XXXX XXXX XXXX. No other names should be listed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I had a student loan on my credit report from XXXX AND IT WAS REPORTING IN CORRECTLY. I HAVE DISPUTED THIS WITH TRANS UNION AND RECENTLY THE ACCOUNT WAS DELETE OFF OF MY CREDIT FILE. THIS ACCOUNT IS NOT DUE TO COME OFF ANYTIME SOON. THIS ACCOUNT IS A CLOSE ACCOUNT PAY AS AGREE STATUS. WHEN I DISPUTED THIS I WANT THE HISTORY TO BE UPDATED FROM XX/XX/XXXX TILL IT WAS TRANSFER IN XX/XX/XXXX. IT WAS REPORTING IN ACCURATE DAtes SO I CONTACT XXXX AND THEY SENT ME A PAYMENT HISTORY THAT SHOWS THE CORRECT INFORMATION. A COUPLE OF DAYS LATER IT WAS DELETE. I WANT THIS ACCOUNT PUT BACK ON MY CREDIT REPORT AND XXXX FROM XXXX STATED SHE SENT ALL OF THE CREDIT BUREAU ALL CORRECT INFORMATION REGADING 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 non-monetary relief