vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My student loans have been paid in full and I requested that Transunion remove the duplicate accounts. They have completed my dispute and are now reporting my student loans as open and t hat is not correct. I had XXXX pay my loans in full and I have documentation to prove that my loans were 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 non-monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have made several attempts to get Transunion to change my Tax Lien.. They were sent a notice to vacate. Please help me on this as well as the XXXX Lien is pad. Thank you and I will attache. The paper work. Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The account for Child Support has been on my report since XX/XX/XXXX and has been illegally re-aged, since my recent dispute with XXXX and Transunion. 
** XXXX has removed this closed account once they completed their investigation. The other XXXX REFUSE to remove it is past the 7-10 years and account is now closed and court ordered by judge to close as well. 
Under no circumstances should a collection account for a debt remain on your credit report after the original creditor 's tradeline has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, there 's a good chance the debt has been re-aged. 
The collection agency will simply fix your credit report to avoid any trouble. If the collection agency does n't remove the entry after 30 days, send a second letter saying the same thing and giving the company 10 days to correct your credit report before you file suit against the collection agency for violating the FCRA and report the company to the Federal Trade Commission for illegally re-aging a collection account. 
I have called so many times and was spoken to by Experian reps with disrespect and very harsh, without giving me a chance. 
A request that the credit bureau immediately delete the information or I will contact my attorney general and file a lawsuit against the company for violating federal credit reporting practices. Attached you will see it as remains and now the removal status is not until XX/XX/XXXX. NOT FAIR AND NOT ACCURATE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There was an account opened in my brother 's name and they used my card information. I found out today and called to request it be closed and cancelled and told them i did not authorize. I had already been charged 3 times and had n't noticed. I requested a refund for that account and was told I would only be refunded one payment even though the account was not in my name and I was being charged on my card. My card is in my name, not my brother 's name. They told me they delivered services so their end of the bargain was delivered.

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

Complaint narrative:
This was a disputed civil judgement concerning some pet issues, which was paid through the court immediately. 
The vindictive plaintiff evidently in haste went ahead and filed this complaint to ruin my credit. 
Again the bill in question was paid immediately to the courts

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 2016-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I have XXXX collection accounts, That i paid with the agreement to delete after payment was recieved through certified mail with the collection agencys. I am still seeing them on my reports speaking with a repersenative at transunion and XXXX both told me they had not recieved anything to change my report, I would have to send them a copy of the agreement, I have done as they asked and still no response, They have not been helpfull. XXXX XXXX XXXX XXXX XXXX, XXXX {$250.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX reported XX/XX/2015

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Credit scores are based on Credit history and payment pattern. These scores are used to assist lender in determining whether XXXX will obtain a loan and/or what interest rates may be offered on mortgage or even a credit card. 
During a recent research into my credit files, it had been revealed that the credit bureaus reported a 100 % payment history, excellent rating on number of accounts, good rating on age of accounts, just to name a few categories. 
Scores are based on the information contained in your credit report, confirming that the credit information on your report is accurate will ensure that the score is correct regardless of the model used. This I understand XXXX credit reporting agency stated that they are unable to accept a dispute regarding your credit score and can not advise you on how to improve your score and that the Adverse Key Factors will not be deleted from your credit report. This is inaccurate data and should be removed. I am disputing you reporting adverse key factors. I find your actions not to remove these adverse key factors totally absurd and totally inaccurate. 
Credit Bureaus appear to categorize accounts under specific Key Factors, derived from information reported by the credit bureaus. Customer being unable to determine what accounts are categorized under a particular key factor, has no chose but to dispute the reported key factor. For example which accounts are delinquent? If you find no delinquent accounts, then this key factor should not be reported to creditors nor should it be reflected on ones ' credit file. Research has revealed that the credit bureaus did not provide any data to support these adverse key factors or list accounts that have been labeled as an adverse key factor. 
Attached are letters and disclosures which state the identical adverse key factors that had been reported back in 2012. No changes in verbage. Looks like these adverse key factors may have been copied and pasted. 
Credit Bureaus stated that the customer must confirm that the credit information on your report is accurate regardless of the model used. These Adverse Key Factors not being deleted from credit reports are contradictory, because these comments are totally inaccurate.

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 2015-07-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: National Commercial Services, Inc
State: TN

Complaint narrative:
I sent a letter to NCS-National commercial services - onto XXXX XXXX,2015 in an attempt to resolve a claim against me. I wrote in that letter they could ONLY contact me in writing at the address they had on file. On XXXX XXXX,2015 a representative from that company left a threatening voice mail ( at XXXX ) in an attempt " to educate me '' concerning the claim. They threaten to have my license taken away. The persons name was XXXX XXXX at ext XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Equifax mailed me a correction notice regarding my original complaint. This notice shows that they corrected a portion of my mortgage account, however, they are still showing me as 'late pay ' for XXXX, XXXX, XXXX, XXXX ; which is incorrect. The document I provided in my original complaint listed all my payments for those months and did not list them as late pay. 
Please see the attached documents, which support my payments for those months as current and paid 'before ' they were due. 
These companies are purposely reporting my credit/scores incorrectly due to the financial struggles I had after the market crashed in XXXX. 
They are in violation of the Fair Credit Act. 
I have desperately tried to rebuild my credit, yet I have to continue to fight with these companies to report correctly. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans Union has failed to provide me with the documents that their company has on file that were used to verify the accounts that I disputed. Being that they have gone over the 30 day mark to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all info that can not be verified. Filing dates, types of Bankruptcies, dates paid are incorrect. 
Docket # XXXX Docket # XXXX Docket # XXXX Docket # 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 2016-10-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The bureaus produce a credit score, but refuse to explain how they calculate the score. they provide reasons as to the scores being low, but refuse to give specifics. 
For example, they will tell you your credit limit on your revolving account is too low, but my highest limit is XXXX. But they wo n't tell you what the limit should be. 
Given that this impacts my future credit applications/interest rates, they need to be transparent about this black box, or at least answer specific questions directly.

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 2016-06-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL

Complaint narrative:
I have a loan with One Main Financial. I have had this say loan since XX/XX/2013, it is a 63 month loan. My balance started at {$11000.00} which I was only told I was borrowing {$10000.00}. My balance now after 3 years is still {$8800.00} so according to them I have only paid {$2400.00} in 3 years. I have received multiple phone calls from this company during this 3 years in which they have told me that if I did n't pay my payment that day that they would be seeking legal action against me. I have also received phone calls and I have asked them for help with getting on track and they have told me lies about how they are being bought out my other companies and they ca n't help me. One day the office staff called me and did n't realize that I was on the phone already and started talking about how they were going out that weekend XXXX. I just received a call today, I made a partial payment on my account, and they told me that balance was to be paid in full today or they was going to seek legal action, they tell me this multiple times and that they will sue me if I do n't pay. There have been times when I have been like 15 days past my due date and they still tell me this. I am fed up. I have been spinning my wheels paying this company and they are hateful and always rude to me and lie to me and threaten me. I have tried to call corporate several times and I am always told there is nothing to be done and I have to take it up with my local branch. They also call me 6 to 10 times a day if I am due for my payment. I am trying to work a full time to be able to pay my bills and my phone is constantly ringing. The other day when I went in their office a lady was in there making a payment and they were yelling at her because she had a hard time hearing and they were very rude to her also. I just ca n't stand the attitude they have with their customers and the way they are treating the loans and threatening me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion still reporting inaccurate information which is hurting my ability to obtain credit. 

See attached documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 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: CO

Complaint narrative:
My score was XXXX then turned to XXXX sudenly XXXX month ago and I pay my bills in time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX 2009 my XXXX XXXX services account was paid in full. However, it is reporting late on my Transunion credit report and it has been removed from all other reporting agencies. The account was paid in full within XXXX days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 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:
On XXXX XXXX, XXXX I have mailed all XXXX Credit Bereau ( XXXX, Transunion and XXXX ) concerning the hard inquiry that is showing on my credit report that I pulled for review in XXXX XXXX, XXXX. All XXXX CB 's were notified that I have no business with the said inquiries and considered to be fraudulent activities. The response I received from the CBs were copies of my my credit report and I was told to contact the creditors instead. On XXXX XXXX, XXXX I mailed all request to remove hard inquiry to the following creditors 1. XXXX inquiry date XXXX XXXX XXXX 2. XXXX inquiry date XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX 3. XXXX inquiry date XXXX XXXX, XXXX 4. XXXX XXXX inquiry date XXXX XXXX, XXXX XXXX 5. Total XXXX XXXX XXXX, XXXX 6. XXXX inquiry date XXXX XXXX, XXXX 7. XXXX inquiry date XXXX XXXX, XXXX 8. XXXX Bank Inquiry date XXXX XXXX, XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX inquiry XXXX XXXX, XXXX i have requested from all the creditors thru the letter I mailed via certified mail that I did not authorized any of those inquiries and view my credit report that upon doing so they have violated the FCRA section 1681b ( c ). I also requested all creditors to send me a proof of my authorization to inquire into my credit report. THey replied with no proof of authorization and merely states that it 's valid and factual. 

I am asking your good office to help me resolve this matter. Please let me know if you need any further documentations that can or will help you investigate this issues. 

Respectfully yours, 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 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Home foreclosed upon in XX/XX/XXXX. Settlement received for improper foreclosure in XXXX Credit report not reflecting improper foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed an official dispute with Transunion on XXXX. I stated that XXXX XXXX XXXX, a creditor on my file, as misstated my current account status. I supplied a current statement that verify the account status as " current ''. My previous account status was " Charged Off ''. XXXX has allowed me to bring my account back to a " current '' status. I want my credit file to reflect as such. On XXXX XXXX, 2016 Transunion return my dispute and stated that the Charge off Status will remain. I am not asking for anything more that my credit file reflect my current standing with XXXX. Transunion has not provided any further information to explain why they have decided not to update their files. I simply request that the account status be updated or the account 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 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The information that appear on my credit report are not mine. It was an identity theft. I had sent to you the police report. it 's very clear your investigation is not complete, according to the law it should be remove completely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are XXXX liens that are inaccurately reporting on my credit report for Transunion. In fact, they are not even reporting on any other credit bureaus, not XXXX nor XXXX. What Transunion is doing is blatantly discriminating against me. They have been doing this to me for over a year. They have violated my constitutional, federal, civil rights, and the state constitution. They are also violating the FTC and FCRA rules and regulations. They are in violation of everything I can think of. They clearly stated that they verify with a third party which I do not know of. It certainly is not the courts or the source of any records, where I have so called lien records. 

WHO DID YOU VERIFY THIS INFORMATION WITH? WAS IT THE SOURCE? 
I DID RECEIVE THE XXXX VS XXXX PERSONALLY IN THE MAIL SHOWING THAT YOU CREDIT BUREAUS HAVE BEEN IN VIOLATION OF VERIFYING PUBLIC RECORDS ANYWAY WITH THIRD PARTIES. AND YOU ARE THE ONLY BUREAU STILL DOING THIS. YOU MUST BE STOPPED!!! 

Who Told them it is ok to report it? There is no law requiring any public records to be posted to a credit bureau. And there is Section 603 in the FCRA which states that in order to post anything to a credit bureau, you need the consent of the consumer. They are private, for profit ( massive profit!!! ) companies and they can not put just anything on there that they feel that they have a right to do. Plus XXXX does not have any firsthand knowledge of the actions they report. How do we know they are accurate? Unless Transunion is going straight to the courts, anything being reported is hearsay. YOU need to prove it with a certified document and not just on YOUR word which is worth squat. 

I trust that it 'll be resolved the second time around. I have filed a complaint with the Consumer Financial Protection Bureau and am in the process of filing with the Federal Trade Commission, and later I am going to SUE if this is not resolved!! 
I WILL ALSO FILE A SECTION 42 USCA 1983 ON YOU!! 

I have included the letters from the courts that I have received from them, which is actually the source showing that I do not have any current or prior tax liens with them. So, I have concluded that that is a fraudulent claim that you have against me and it is intentional. Call the source at their numbers on the letters and hear it from them. Or write them. I want these liens removed in 4 business dayS!!!

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 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with XXXX, XXXX in accordance with basel XXXX accord and XXXX conventions. I also asked them to present these documents from the following vendors/creditors : XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct @ XXXX and they have failed 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 non-monetary relief