vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am looking for help regarding inquires on my credit reports -- all XXXX agencies. 
I can not believe that anyone can access my credit without my permission as it affects my score ... I have received no help from all three of the CRA 's and they all claim that those who pull my credit do not need written and or permission ( just saying they have permission is valid )???? I have been disputed for several years and they refuse to remove .... Anyone can access anyone 's credit and drive their score down????? 
How can this be true?

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 2016-12-16 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: MO

Complaint narrative:
Beginning XX/XX/XXXX, I needed to get a vehicle using my credit. To my shock I kept being told that my score was extremely low. I was n't shocked that it was low because I typically always pay with cash. I begin to look at my report and they are riddled with information that is NOT mine. I began to send via fax and call on the telephone reporting these inaccuracies on my reports. At the same time, I began to research the FCRA at length, and I am appalled of the items on my report and how they got there..I can not tell you the number of times I have called XXXX, Transunion and XXXX . I have had some things removed but these bureaus are not following the law regarding removing items that are not physically verified. There is no original documentation of these debts proving to be mine. No signature or ID..Repeatedly I have disputed the SAME items, and they remain a part of my credit file. These Credit Bureaus blatantly and defiantly break the law and I am suffering because of it. My score NEVER reflects the deletions. For example, recently XXXX Judgements were removed and my score stayed the same. It is a travesty that I am being punished for debts that were NEVER mine buy agencies that are supposed to have clear accurate information.. 


Thank you for your consideration and prompt action in this matter. 

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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
As of Tuesday, XXXX XXXX, 2017, TransUnion is still knowingly and illegally reporting a debt of {$110.00} to XXXX for 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 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Please read my attachments We contacted XXXX XXXX for full package with telephone, cable, Internet the whole nine yards. When the services finally got here we got basic television, no internet what so ever. We were transferred to XXXX telephone for services. When the first bill arrived there was XXXX separate billings on all XXXX accounts. It all started with XXXX. We contacted the credit card that we used to set up services. They informed us that service was stopped due to fraud by XXXX XXXX, and misrepresentation of their services. At that time we thought the case was closed. We were assured there was XXXX billing. The equipment was obviously old and covered in dust, the channels keep switching on their own and the cable box kept going on and off on its own. The person we complained with at XXXX was extremely rude and we just cancelled the service. The person we spoke to there assured us there was a zero balance. We also had to set up XXXX appointments before they came. No communication between their offices

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report shows a {$12000.00} dollar debt on an XXXX XXXX credit card. The account was closed in XXXX 2009. I believe this debt should not be on my credit report due to how old it is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX is offered through Ally Bank, and through this service, I sent my daughter money thinking it 's safe to do so ( Ally payment # XXXX ). She, in turn, downloaded a XXXX app and entered her information plus a XXXX debit card number. She never received the money. In her conversation with a XXXX representative, she discovered that XXXX had completely different first XXXX digits of the debit card number ( wrong first XXXX digits were XXXX XXXX XXXX ) and only had the last XXXX digits correctly. XXXX asked me to file a claim with Ally Bank, but Ally Bank stated it can not help ( even though XXXX is a XXXX party product endorsed and made available by Ally Bank ). XXXX also asked my daughter to contact her bank and give them a XXXX Federal Reserve trace number ( XXXX ), but her bank says they can not help either. We asked XXXX to reverse the deposit that was made to the wrong debit card, but they said that can not be done. Ally bank states since XXXX deposited the money into the wrong debit card, Popmoney can also reverse that deposit. However, XXXX refuses to do so. I am thinking XXXX 's system may have been hacked. I have never seen anyone capable of typing first XXXX digits incorrectly but the last XXXX digits correctly. In addition, miraculously the wrong XXXX digits are part of a valid debit card number for some stranger.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, Transunion, and XXXX credit scores. I have only missed XXXX payment to XXXX ( DEPT OF ED ), which is now paid to date, and they chose to report this late payment XXXX times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1 ) I uploaded a letter from XXXX XXXX XXXX XXXX/XXXX/15. The letter from ( XXXX XXXX XXXX ) reported my XXXX payment as a 30 day late. XXXX, Transunion have not corrected this information. I have never been late. 2 ) XXXX, XXXX XXXX XXXX XXXX, is reporting a {$8100.00} balance amount owed on Transunion, XXXX lien on my credit prior to reaching out and allowing me to discuss correct amount or work with rep to get to verify if it was even owed. This is not correct either.

Company public response: Company 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: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Its Ally Financial Ally Financial XXXX. XXXX XXXX XXXX, MN XXXX. I asked them not to call on Saturday, sundays or holidays. I emailed them this request. They continue to contact me at all times of day, at work on my cell phone. They never sent written notice to me. The system calls automatically, when i answer no one is on the phone nor is the name on the caller ID. When i call back, they ask for personal info before identifying them selves. When i ask where they are calling from, they usually say the XXXX. I recieved XXXX calls today on XXXX. Told the rep it is a federal holiday and not to call as i had previously notifeid them. He replied who cares its not his holiday and he has a job to do. I also informed he was calling my cell phone. He said he does n't care. I informed him he should realize holidays are inconvient times as are weekends and evenings. He stated again he has a job to do. I read him the Fair Collection Act guidelines. I asked to speak with an XXXX speaking rep in the XXXX, he said those offices are closed. Be became abusive stating he would come and have someone take my car today if i did n't pay. Im only 10 days late. XXXX XXXX, 2016. Another rep called 4 times after i told her to stop. i asked to move a payment to the end of a loan due to physical issues. She said OK if i paid a {$490.00} fee to do so

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Addresses and most of the accounts are not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Auto received XXXX checks on XX/XX/2016 at XXXX and proof of XXXX delivery, which was signed for. XXXX check was {$17.00} and the other was {$32000.00}. The total amount was more than what was owed. I called on XX/XX/2016 when they were not posted and was told, it was not enough for the payoff and was told if I did n't make a payment of {$51.00}, they would not post the payments. I was also told it could take up to 10 days and would not be posted on the date they were received. When I was getting nowhere, I contacted my rep at the XXXX XXXX XXXX XXXX and she has called everyday since XX/XX/2016. She has never spoke to the same person and within those calls, did get a reference # XXXX. Ally Auto has confirmed they have the XXXX checks and keeps assuring her they will be posted within 24-48 hours and it has been escalated and that it takes time. It has been 7 days since the checks were received. This should not be happening and I have read other reviews on line about this happening to other people. Ally Auto has been called everyday, a few times a day to try to get this resolved and as of today, my auto loan is still showing a balance. The call today, my rep was able to speak to a supervisor, who told her they are working on and will be posted today. She also told her that we just need to have patience, that these things take time. This is unacceptable. As a bank, the check should have been posted the day it was received. I will NEVER go through Ally Auto/Bank again would like warn others who do.

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 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
They are showing that I have XXXX mortgages on my transunion with XXXX which is hurting my credit score when I only have XXXX. please remove the old mortgage I have a XXXX score with transunion and a XXXX with XXXX because of this error

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: GA

Complaint narrative:
Pacific union Financial is asking security questions I never was ask to answer and after XXXX attempt your locked out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Upon reviewing my TransUnion credit reports I researched several incorrect *reported addresses and telephone numbers* listed as my personal contacts. One of the telephone numbers was the personal cell phone number of an employee seeking debt collections : XXXX ( Health Care Bill ) ... the employee 's name is XXXX, XXXX ( *reported number listed as mine ). Is this a legal procedure to provide my personal financial information to a medical collections/billing employee of a debtor? I truly feel violated in privacy and would like to know more about why XXXX personal cell number is listed on my personal credit report without my consent or permission.

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: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX reported I had XXXX late payments to them. I have never had an account with them. I paid an auto loan off with XXXX in XX/XX/XXXX. XXXX XXXX finance bought out XXXX in XX/XX/XXXX an are saying they used information from the acquired XXXX account to report late payments. XXXX XXXX XXXX said they would send me information proving the late payments but has not sent me documentation of any kind.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 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 been disputing incorrect information on my transunion credit report for some time now. There is incorrect information on my credit report and I just keep receivng a response within 2 weeks that the information is reporting correctly. This is completely wrong. My credit score is very low due to all these wrong accounts reporting incorrectly. I have 2 public records reporting this is wrong. I have settled this wrong information with the creditor and it was corrected and removed from another credit reporting agency so this informaiton was verified and corrected why transunion did not receive the right information and delete it as they were suppose to do is beyond me probably because they did not do a proper investigation or it would have been corrected. I DID NOT have 2 tax liens. They were removed from XXXX and XXXX so it should be removed from transunion. Another account is XXXX acct # XXXX reporting for {$860.00} charge off collection. This informaiton is wrong as well as I did not have a charge off in this amount with this bank. Another account is XXXX motor fianance reporting as open in the amount of {$4900.00}. This debt was PAID in full. I have been calling transunion to dispute this information and just keep receiving responses that the information has been verified. I have submitted substantial documentation to transunion and upon verifing they received it they tell me they did not receive it. Transunion is a horrible credit reporting agency as they do not fix wrong information which in turn is affecting my score and affecting me in obtatining substantial credit. I am being denied credit due to the wrong information reporting that should be deleted.

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 2015-04-03 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: MA

Complaint narrative:
I was trying to verify my identity in order to rent an apartment. However, I failed the identity verification XXXX via phone. Although, I have answered the questions correctly, I somehow managed to fail my own identity. 
I wrote down the questions and the answer choices given to me, and there were a few answer choices that came out on both phone calls -- I am assuming those are the " correct '' answers that they were looking for, although they were all false.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove the following accounts from my report as they do not belong to me. I have been on the phone with your company and went over my name and address. Please remove the following accounts from my report as well as the corresponding inquiries : Closed Accounts Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$2000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX {$0.00} 120+ DAYS PAST DUE XXXX BANK Show Details XXXX XXXX/XXXX/XXXX {$14000.00} XXXX/XXXX/XXXX {$14000.00} CHARGE-OFF {$13000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$1000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$0.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX COLLECTION ACCOUNT XXXX IN Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$440.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes - reinvestigation in progress XXXX , XXXX Agency Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Banking Creditor Name : XXXX ITS A Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$380.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : 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 non-monetary relief
Consumer complaint received 2016-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do NOT have a Social Security Number, and i can prove it by a oficial document issued by the Social Security Agency, but Transunion INVENTED a fraudulent Social Security Number for my credit file! 
This is causing a Financial Hardship, since every time I try to get credit, Transunion sends a fraud alert to the financial institution, and they are denying credit to me due to this reason. 
I have have already disputed this information more than 5 times and Transunion does n't take action to correct this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There is an address on my credit report that I have never lived at. I have never lived in Massachusetts.

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 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within XXXX mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %.

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