vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-15 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 would like to continue my fight against Transunion reporting XXXX to my credit report against the law. I recently checked my XXXX XXXX monitoring service and noticed that XXXX # XXXX is still illegally reporting against me and affecting my credit score and hindering my credit report. I have repeatedly asked to be provided with proof that aligns me, XXXX XXXX, to this inaccurate account and I have received nothing of use nor any correspondence from them. This is not fair. When someone requests all descriptions and procedures they should be noted and supplied, that is according to FCRA guidelines. This account is not an account that I have ever held and it can not be reflected on my report. I have disputed all of the information and found it very suspicious and weird that they deleted all of the payment history and changed the dates to newer and more recent dates. I can not fight this uphill battle if they keep changing the game. This is not my account, I have no proof nor any knowledge of this and would like it removed immediately from my credit report XXXX. Please. I have always held XXXX XXXX Loan and you can check my report and see that it is with, and only with, XXXX XXXX XXXX. That is a GOVERNMENT AGENCY! Not XXXX! This may be an account held by another student in my building. I am not sure, but I dispute it and ask it to be deleted. It is Old and Not relevant to me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Pacific Union Financial, LLC
State: FL

Complaint narrative:
I am finding the 3 day disclosure rule for a refinance not very effective, first of all there is a 3 day right of recission so why do we have a 3 day disclosure as well, getting this orchestrated and the timing correct delayed my closing so many times it took several months to work it out. 
Then on my purchase I am not sure since my contract CLEARLY STATES the seller is paying my title insurance why does it have to be charged to me then credited and why is the loan amount disclosed at promulgated rate when I 'm paying reissue credit. This is so confusing and I have a financial background, I ca n't imagine how confused consumers with no financial background are navigating this new CD. I think you need to rethink this CD or at least how you disclose, just stick to the facts, if seller is paying allow seller to pay, if simultaneous issue rate put that on be upfront.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My loan from XXXX for {$36000.00} is no longer my responsibility. My truck was stolen from me and the loan is going to be paid shortly

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I am behind a payment. I contacted Ally to make arrangements, they told me that they could defer XX/XX/XXXX and move XX/XX/XXXX to the end of the note and that my next payment would be XX/XX/XXXX, provided that I make the XX/XX/XXXX payment. This payment was made and all was well. In the first week or so in XX/XX/XXXX I received a call and was told that the agreement was not for XX/XX/XXXX/XX/XX/XXXX but for XX/XX/XXXX/XX/XX/XXXX and that I was late. I told them that I took the opportunity to pay off other commitments in order to avoid this in the future and that payment would have to wait until XX/XX/XXXX. ( both XX/XX/XXXX and XX/XX/XXXX would be paid then ) since then I have received daily phone calls. They state that they need information but I have given them the same information every time. It is clear that this is no longer about communicating but about harassing me. Arrangements have been made in good faith, even after they change the original agreement without my knowledge.

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 2015-12-21 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: WA

Complaint narrative:
I attempted to get my free annual credit report online from the TransUnion website, and due to some error on their end, I was unable to do so. I tried a second time and got the same result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2016 I disputed an inaccurately reported account with all XXXX credit bureaus, TransUnionXXXX via online and also with the creditor via US Mail on XXXX XXXX, 2016, with XXXX XXXX. It has been more than 30 days and it was just reported today, XXXX XXXX, 2016 as still derogatory. It previously stated that it was being reinvestigated and I never seen any results of the said investigation. I believe that XXXX broke the law by not properly reporting their findings to me, the consumer, yet they did to the Credit Bureaus. This company is notorious for not responding within the 30 day time frame.

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 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A bank account I had opened with XXXX BANK over 10 years ago had reported on my credit that I owe them {$300.00} and the account has now gone into collections and has been reported on my credit. I have never received any bills, payment options, a fee schedule, or ANY type of notice that I owed this money, or that it was in any way outstanding. I check my credit once a year, and considering this account was closed over 10 years ago, I think it 's ludicrous I 'm just seeing it on my credit now, and as " in collections ''. I was NEVER notified that I owed this money, or that I had occurred any fees. I still even have the card in my possession. I believe the bank is committing fraud toward this account, because i was NEVER notified in writing of owing anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I had an vehicle loan through Wells Fargo Dealer Services ( WFDS ) which I recently paid off ( XX/XX/XXXX ). Upon closure of the account, WFDS added a line to my account that said " Consumer Disputes After Resolution Closed Or Paid Account / XXXX Balance '' to my Credit Report. 

This is inaccurate - at no point have a disputed anything related to this account, and it has negatively affected my credit score, over XXXX points for TransUnion. I have sent a fax to the Wells Fargo Credit Dispute department asking for them to remove the line, and they have been wholly unresponsive after a month. 

I did write a Goodwill Letter to them this summer, asking if they would remove a 30 day late payment from XX/XX/XXXX, however I have never disputed the late payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX Account reporting with a a balance of {$500.00}, a past due of {$330.00}. That information is incorrect, my balance is {$460.00} with a minimum balance of {$0.00} and monthly minimum payment of {$35.00}. I have attached a screenshot of my account as of XXXX/XXXX/2016. Both Transunion and XXXX have updated it however equifax claims that they have verified this false information. I have also attached the letter straight from XXXX XXXX. 

I would like the remarks " Dispute resolved ; customer disagrees '' for XXXX and XXXX because i no longer dispute or disagree also would like the " Dispute resolved ; reported by grantor '' by 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 2017-03-24 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:
Contact Transunion about a glitch that they had in XXXX they deleted my collection and inquiries and then 2 days later they were reinserted without proper notification representative was fully aware of glitch they had back n XXXX he replied that they had an issue with XXXX but it is fixed right now that my credit score was not hurt with this issue and I told the representative that I do n't have XXXX I have XXXX which is a company that I pay {$15.00} dollars a month that monitors my XXXX credit bureaus along with the fico score and that I called them first to see what went wrong why they put the collection and inquiries back and they told me that there is nothing wrong with their website that they only report what XXXX, TRANSUNION AND XXXX report to them and that my score, collection and inquiries remained the same for XXXX and XXXX that the only issue was with Transunion and XXXX is from XXXX so that 's why I called Transunion and the representative did not wanted to help me he told me that he could n't help me about it that everything is back to normal I explained to customer care that they did not follow the proper procedures sending notifications in writing to customers about this issue that I was demanding for the items to be delete due to not receiving any notification from Transunion customer care replied sorry but he could n't do anything that it is not a Transunion issue. 
The following are the inquiries that were deleted 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 , ,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 XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX ... 
XXXX Account # XXXX Account Type Collection services Balance {$270.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

We requested " description of reinvestigation procedure '' multiple times. The not only did n't respond within 15 days of receipt but they simply ignored the request entirely. See attached letter and certified receipts. 

Accounts in question are : 1. XXXX XXXX XXXX ( creditcard ) - First date of delinquency is 7 years 2. XXXX - First Date of delinquency is 7 years Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 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: CT

Complaint narrative:
I have been trying to get my free credit report from them and each time they telling me i have to pay to get the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Ally Financial has made it extremely difficult to close my deceased grandparent 's account. I have the death certificate information for both grandparents but they request a medallion signed document that each banking institution had said is unnecessary. There has been a lot of back and forth and they have not been helpful with concluding 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 2016-06-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
yes i have a car loan out with ally.on my credit reports does not show im makng on time car payments??? like too know whynot???? should show on XXXX reports

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 2015-10-11 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 do not have XXXX nor have i ever had XXXX service

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 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 called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a Indira in the XXXX XXXX Post Judgment Team - who confirms that the court records reflect XXXX XXXX the plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to XXXX, TransUnion, and XXXX has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all three credit agencies to include TransUnion. The Transunion website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The transunion online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a XXXX - the reason I was even in the aforementioned rental property - and I am trying to run my XXXX. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. XXXX just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And XXXX states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question.

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 2015-09-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Thrive National Corporation
State: FL

Complaint narrative:
Creditor called at XXXX from XXXX claiming to be with " National Fitness '', only revealing they were with a collection agency 5 minutes into the phone call. I explained to them I canceled the gym membership and did not owe anything. They then asked me did I get this cancellation in writing, I said no, I spoke with the gym employee at the front desk and they said they would take care of the cancellation. Apparently, the gym employee never did this. I told the agent it was therefore illegal for them to to still be charging me. The collection agent then got belligerent, so I told them not to call my phone anymore and hung up. The same agent then called again at XXXX from XXXX, again stating they were with " National Fitness '', and began reading my credit card number aloud, at which point I hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have previously submitted a certified letter on XXXX and XXXX requesting that a dispute be initiated for a XXXX # XXXX account which is reporting inaccurate information on my Credit Report. The following is a list of inaccurate, incomplete information still contained in XXXX XXXX # XXXX account after the dispute. 
1.No payment history from XXXX. 
2. Payment status states " Charge off '' however in the remarks account states Paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 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: CA

Complaint narrative:
I requested a credit report from Transunion, XXXX, and XXXX and they refuse to give me a credit report after I was denied credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15 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: CA

Complaint narrative:
FOR 5 YEARS I HAVE NEVER been able to get my free yearly credit report from transunion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 day 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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation