vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been trying to get fraudulent information originating from a collection agency that is trying to collect a debt from someone with a different name address and social security number removed from all of the reporting agencies. I mailed a dispute to Transunion and after XXXX days with no response I tried to use their web site to find out what is going on, unfortunately for me I am locked out of doing so due to my bad memory, several years ago I used Trans unions web site and set a password I can no longer remember with an email address I no longer use and a secret question I can not recall, They give a phone number to call but the barely audible person who answered insisted she can do nothing without the forgotten information. I have tried XXXX times to deal with the barely understandable phone support to fix this without result. I mailed my dispute XXXX days ago with absolutely no response from Transunion, I can not use their web site because there is no way for old people with bad memories to fix forgotten passwords. I have been economically harmed by the credit reporting agencies accepting information that even a child would recognize as not relating to me. A different name address phone number marital status and social security number with active accounts XXXX miles from where I live. How is it even possible for the collection agency to dump all of this completely different information into my report, I have lived at the same address for XXXX years, openly used only XXXX name, reported my income taxes using only XXXX social security number ( the one I was given XXXX years ago ). How can I suddenly live in XXXX and XXXX at the same time? Work in XXXX distant places at the same time? Buy groceries in XXXX and go out to dinner in XXXX at the very same time? That this is still not fixed shows the credit industry has no regard for the victims of their incompetence. I can not reset a forgotten password but a dishonest collection agency can give me a new name, a wife, possibly children, several new addresses, a new phone number, a new social security number and a complete credit history that takes place XXXX miles from where I live.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The company will be called XXXX XXXX in the morning. Report to XXXX XXXX XXXX 2015, for an account opened by the store that was not supposed to have been created. Have been on the phones with XXXX for three months about this account. Have received final response that account will not be closed. Account was opened for a second extended warranty on a dryer. The dryer was functional and needed no repair at the time of service for washer unit. Employees dropped dryer. This is in XXXX records. Store required a new warranty to be purchased. Two months later, an agent from XXXX advised I should not have been made to pay an additional warranty ( original was approximately {$400.00}, unit on sale at time of exchange reduced second account to approximately {$250.00} ) and created a service ticket. XXXX records show collection efforts were to halt until a decision was made. XXXX was advised in the event they can prove the contract I signed requires I be held liable for the employee negligence, I would simply close out warranty account ; this way no money is to be collected and there would be no debt. Issue not resolved as of XXXX XXXX, 2015. XXXX reported delinquent account despite open ticket on XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was a previous member of Costco while the primary card was still XXXX XXXX. I cancelled my Costco membership in XXXX 2016 and constantly checked my XXXX XXXX account to make sure that there was no remaining balance. I was unaware that my balance would be switched over to CitiBank and now I have accrued multiple late fees and interest which has also had a detrimental affect on my credit. I have never missed a single payment to Costco nor XXXX or any other credit card prior to this incident. If I was aware of the switch over of my balance to CitiBank I would have paid it off. I will gladly pay off the original amount I owe, but it is unacceptable to not be able to remove the accrued interest and fees. The CitiBank representative that I spoke to was XXXX, ID : XXXX. I am not okay with the service that was provided and I expect Costco and CitiBank to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously disputed an account reporting under the name of XXXX XXXX XXXX on my TransUnion credit file. I have sent several letters of dispute in addition to supporting documentation to CFPB and TransUnion. On XXXX/XXXX/2016, I received a response from CFPB that my dispute for case number : XXXX had been closed. The response included erroneous steps taken by TransUnion to investigate my dispute. On this same day, XXXX/XXXX/2016 I called and spoke with XXXX at XXXX XXXX XXXX XXXX, TransUnion reached out to his office on XXXX/XXXX/2016 and my account notes a dispute was received. I confirmed with XXXX at XXXX XXXX XXXX that I have a {$0.00} balance. This is a contradiction to what TransUnion is stating in their response to me. I requested a letter from XXXX XXXX XXXX on XXXX/XXXX/16 when I received TransUnion 's frivolous results in which I have attached for your review and reconsideration in reopening my dispute. I do not understand how a credit bureau can get away with reporting inaccurate information then be allowed to state in writing that they have conducted an investigation and confirmed the inaccuracies. I simply picked up the phone to validate what I knew was already correct. I have sent several disputes and received responses from TransUnion that their reporting is accurate when I have proven that it is NOT. I am requesting with this written notice that the inaccurate item be REMOVED from my credit report. This account is NOT correct and is causing me financial distress because of the derogatory information. If this FINAL request does not prompt you to conduct a proper investigation of the account in question, and send proof to me of said investigation, I will file a civil suit for damages. As previously stated, I take my credit very seriously and TransUnions lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I am requesting this account be removed immediately from my file. I reserve the right to sue TransUnion for violations of the FCRA and I believe I can prove that they did not use reasonable measures to insure the accuracy of my credit reports and now are stalling the process further. I want this removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DCS Financial, Inc.
State: WA

Complaint narrative:
Just received a letter from XXXX Service collecting for a local hospital. Debt is for a person with almost the same mane ( person that owes debt has different middle initial and living at a different address ). Also, some of the hospital visits are for a period when I was out of the country working for a company in XXXX XXXX. Just notified via mail. Individual is XXXX years younger than myself and has had trouble with the law in the past XXXX previous debt/restitution )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 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:
am not aware about this inquiries I send a letter to the XXXX credit bureau, I try to call the company and no answer ( some of them do not pick up the phone ) : Tansunion XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFFILIATED ACCEPTANCE CO # XXXXThis account has been reinserted. It was removed before and it is an account that was established due to ID Theft and Fraud. I was never a subscriber and I never lived in the XXXX of Colorado. The collection agency fails to validate and verify the debt but continues to report it even though it was previously removed. PLEASE DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit report contains my parents information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
In XXXX 2016, Ally Financial was contacted by the Consumer regarding intentional delayed credit reporting. The Consumer discovered on XXXX/XXXX/2016 Ally Financial did fraudulently and knowingly falsify consumer credit reporting by using inaccurate balance data and the date of reporting to distort credit score increase in favor of Consumer ; Example : On XXXX/XXXX/2016 Ally Financial claims on XXXX Credit Report, the report submission date was XXXX/XXXX/2016 and the consumer auto balance was {$37000.00} which is false data for XXXX/XXXX/2016, thereby proof that 60 calendar days had elapsed as the Consumer 's balance fell to {$37000.00} as result of a XXXX/XXXX/2016 payment. From XXXX/XXXX/2016 to XXXX/XXXX/2016 Ally Financial did fraudulently, willfully, and knowingly falsify the Consumer 's XXXX Credit Report by reporting a balance of {$38000.00} ( did not happen until XXXX/XXXX/2016 ) and skipping altogether a balance of {$37000.00} ( which happened on XXXX/XXXX/2016 ). Ally Financial has intentionally used false/delayed credit reporting tactics repeatedly against the Consumer in order to intentionally mislead/depress credit score increases that occur naturally with aging of account life and decrease of balance. Further, the reasoning for the above-mentioned illegal credit reporting tactics by Ally Financial serves to delay credit score increases whereby the Consumer could either refinance the auto loan at a lower interest rate or change to another more reputable lender altogether.

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 2015-09-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
When I started having problems with my vehicle payment to Ally Financial , Inc. due to being a XXXX and being forced to resign from my job because I was XXXX, I contacted the company and have worked with them during the past year or so and they have worked with me up until now because before I lost my job I had a good payment history with them. 
Recently, my account was about XXXX months delinquent and I scheduled XXXX payments online that I thought I could make. One was for {$400.00} and the other was for {$300.00}. 
On XXXX XXXX I realized that I was not going to be able to make those payments and I contacted Ally by phone and requested a XXXX month extension. I informed the representative that I spoke with about the pending payments and asked if I still needed to pay those and she said since the request had been made for the extension that I could cancel those payments. 
After getting off the phone I canceled the two scheduled online payments. 
I later received an approval letter from Ally for my XXXX month extension stating that I owed {$230.00} which must be paid within 20 days of the XXXX XXXX date of the letter. I paid {$300.00} on XXXX XXXX and thought everything was OK. 
However, on XXXX XXXX my vehicle was repossessed. When I contacted Ally about this I was told that the 2 month extension had been canceled because I canceled the two pending online payments. However, those payments were canceled before the 2 month extension was processed and there should not even have been any record of those payments in Ally 's system. They should not have factored into the calculation. I was never notified of a pending repossession or of the cancellation of the extension. 
I had to pay {$1600.00} to get my vehicle back, which was supposed to include all outstanding charges at that time, including late fees and repo charges, which I should not have had to pay anyway. Now, they are trying to make me pay the late charges ( {$190.00} ), Repo fees ( {$350.00} ) all over again and those charges are due immediately. 
No company should be able to arbitrarily do whatever they want just because they have the power to do so and negatively affect a person 's credit and cause undue XXXX and XXXX distress. I am asking for your assistance to resolve this matter because my vehicle should never have been towed in the first place, Ally reneged on their own agreement, and now they are trying to force me to pay for duplicate charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I received a written letter from XXXX XXXX XXXX , XXXX regarding an account with XXXX XXXX XXXX XXXX. The written letter offered the option to call XXXX XXXX XXXX , XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$500.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Transunion Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).

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 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Filed a dispute with the XXXX credit agencies ( Transunion, XXXX and XXXX ) about a current mortgage that was wrongly reported as a closed account- Chapter XXXX bankruptcy. Mortgage is a current account and is been paying on time during the last 12 months. Account was opened on XXXX XXXX and was never closed. On XXXX XXXX was transferred from the original bank to another bank as the original bank closed operations. Agencies closed and eliminate the account from my credit history. They claimed that bank is not reporting the current payment because mortgage was involved in a previous Chapter XXXX which has discharged positively on XXXX XXXX. Bank mistakenly claimed that they do n't have to inform that the account is current and been paying on time to the credit agencies because it was involved in a discharged Chapter 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 2016-05-04 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:
This credit derogatory mark is not 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 2016-09-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My privacy information and they have no right to share my information to another creditors and freeze my life and I been harassing every time I apply credit and they keep loosing my points they told me to verify only for credit score but is not in found out they freeze everything my identity after they check and I 'm a taxpayer and unable to get my credit report or credit score every month.

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: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Multiple inquiries are on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquiries are still there. The credit bureaus said invalid dispute or verified inquiry.

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 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Because of the retrieval constraints for my credit report, and then unauthorized " Security Freeze placed on my report by TransUnion, I am again electing to place this dispute through this channel - to eliminate the XXXX steps Trans Union, has placed in my path. 

XXXX, is and has been reporting inaccurately since XX/XX/2015. 

1. Currently - the account does not carry the payment history, as it should. It was deleted when XXXX converted to their new system in XX/XX/2015. 
2. The account balances and limits from XXXX through current, are NOT accurate. 

3. Please verify the account details with the owner, XXXX, and correct this incorrect and incomplete account, or DELETE this inaccurate trade line it.

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 2015-12-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Transunion was informed of incorrect reporting of student loan payment amount and current payment status. All loans are on forebereance. Loans are no on repayment. Transunion did not change the payment on loans. Loans are currently reporting a total of XXXX in monthly payments causing me to be denied other student loans. Some loans also have a zero balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX reported around 6 late payments while all my payments and current and no late since they approved my loan Modification. I have documents showing my loan commencement with XXXX XXXX XXXX XXXX. My first modified payment began XXXX/XXXX/2014 and others payments required by XXXX XXXX XXXX XXXX were done onXX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/2014 in the amount of {$1400.00} each month and on time

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 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is not a XXXX. 

I have tried to escalate this matter to TransUnion multiple times without success on XXXX XXXX. I have tried to get validation by the collection agent and received no response back from the collector. 

Tracking information : USPS Certified mail - XX/XX/XXXX - XXXXUSPS Certified mail - XX/XX/XXXX - XXXXXXXXI have tried bringing this to TransUnion multiple times notifying them that the Collector agent did not validate this account within the 30days required by the FDCPA and TransUnion repetitively delayed the process of removing this account ; responding that they performed researched and that " we verified that this item belongs to you '' Tracking information for TransUnionXXXXXX/XX/XXXX - XXXXXXXXXX/XX/XXXX - XXXXXXXXXX/XX/XXXX - XXXXThis account showed up on my credit report on XX/XX/XXXX for a balance of {$670.00}. This current TransUnion report on XX/XX/XXXX Confirmation XXXX and XX/XX/XXXX Confirmation XXXX both states a repetitive response that TransUnion verified this account to be a Rental/Leasing named " XXXX on XXXX XXXX ''. During this time period, I was living at XXXX XXXX XXXX up until XX/XX/XXXX. How could there be a collection for another rental/leasing for a different amount while I was living at XXXX XXXX XXXX? I have a copy of my lease which I 'm attaching. TransUnion allege investigation only verify my name, and information which is already on my credit report provided by the collector. 

Again, I have contacted the Collection Agent and did not receive any validation nor respond and the report on XX/XX/XXXX states that this is from another rental/leasing company. On XXXX, when I return my apartment I did a final walkthrough with the property management named XXXX, and there were no damages to the apartment and the apartment was returned in good standing and no money was owed. Also my monthly rent was not {$670.00}. 

This account does not belong to me. I have not received any validation from the collection agent, and this is mistakenly on my credit report. I 'm demanding that this be removed from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation