vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They continue reporting XXXX XXXX aka XXXX which is incorrect and have damaged my credit for years. Also, they continue to allow hard inquiries when I added a fraud report and asked them to stop. Even more, accounts were opened without my permission and the credit card company sent them letters to remove the accounts, yet the hard inquiries remain damaging my credit. I hate filing these but every time I try to file my dispute through their site I upload everything and hit submit and nothing happens. IT 's stuck. I will show a screenshot of where I got and repeatedly hitting submit does nothing.

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 2016-07-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I asked TransUnion to investigate my complaint because the account is not accurate and verify that the account belonged to me by providing proof with an original contract and my signature ; then to delete it from my credit report. I wrote three letters requesting this information and despite my asking three times for legal verification, according to the FCRA, TransUnion has 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 explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Says no payment history for my Missouri child support. Also, says account closed. Not true. I have court ordered garnished payment of {$400.00} a week. Some of that is for current orders, but the rest is suppose to be applied to arrears, it 's not being reported. There are XXXX accounts on my report and they both say the same thing. As you can see from my recemt pay stub, i have made payments and the total I 've paid since XXXX of 2015. That doesmt include all the payments made before this year. Also, it says nothing reported for employment. I have been employed by systems Contracting since XXXX of this year

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed multiple items of terms and balance information and actions taken to correct. 
they have yet to correct the information. 
I have disputed payment information accuracy directly with the merchant, card issuer or origination loan company. they were informed and have not corrected. 
In addition items that should be removed due to age have not!

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 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On several occasions I submitted a letter to the credit bureau Transunion and XXXX regarding incorrect information on my credit file. Both of these Credit Brewers continues to respond by saying that said information has been Verified. This is incorrect and impossible as the information in question does NOT belong to me! I have asked each credit Breuer on numerous occasions to please send me information on how the information was verified, whom was the point on of contact and to provide me with legal documents that contains my signature. I have yet to receive proof of said obligations and this incorrect information is ruining my life!

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 2017-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am aware that TransUnion had a server error last year whereby multiple credit files had inquiries inadvertently removed. I recently checked my TransUnion credit report and can not with any certainty recall the history of any of the hard inquiries on my report. Therefore, because I feel victim to the lack of data integrity and the fact that TransUnion failed to follow the legal requirement of FCRA Section 611 stating that the credit bureaus must notify me within five days of reinsertion of inquiries, I ask that they remove all inquiries from my report. 

Please request that TransUnion remove the following inquiries : 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

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 2017-03-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Spoke with Navient collection agency today again asking to lower payments. They asked to speak to my co signer who is approaching XXXX and is in XXXX at the moment. I proceed to make a long distance call only to have the representative ask my cosigner a bunch of questions that flustered her and caused her stress. I 'm willing to pay a lower payment without the help of my elderly co-signer who survives only on her SS income. She uses this money for her own expenses such as paying for medicine XXXX and XXXX pills also XXXX medication, medical and life insurance. Navient rep, then proceeded to hang up the phone on me refusing to help me further. I also asked to have my cosigner released but no assistance with that. I 'm truly disgusted at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have filed complaints on the doctor, XXXX and the collection agency, ( XXXX ), with you earlier this month.for a doctor bill that i dont owe and should never been sent to collections.I heard back from the collection agency and they said the doctor with drew the account from them, and totally closed the account.i am now putting in a complaint on transunion to get it removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I never lived atAddress : XXXX XXXX XXXX XXXX, WI XXXXAddress identification number : XXXXType of Residence : Single familyGeographical Code : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
There is a collection listed by AD Astra Recovery collecting for a XXXX which is not mine I have disputed and requested validation and nothing has been received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I traded in a car I had financed through XXXX XXXX and the companyI traded it at paid off the loan. I now have a 30 day late on my credit. 
I have contacted XXXX XXXX and they suggested I get an attorney. 
I have copies of the checks showing when they were mailed and DTheld the checks for XXXX days before depositing them afterXXXX XXXX contacted and asked why they have deposited thepay off check

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 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: UT

Complaint narrative:
Transunion will not allow access to my report at all. Attempt has been made and now Transunion blocks all attempts to obtain or see any report. They only try to bully me to pay money to get a report. They claim I already have had a report which is a lie and false. They need to be fined for this and found illegal and non-compliant. The public does n't have time for these stupid illegal games they play. I need to see and correct false info. and see what has been reported here. I do n't have a lifetime to wait and pay for.

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 2016-01-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I 'm in the process of trying to get financing for a home and TransUnion will not update my information correctly. They will not include accounts that I am a Authorized user on, on my credit file. They will not report correct balances on credit accounts on my credit file also. I have credit ( available credit ) that is n't being reported and that is causing my file to not show what my available credit is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
CFPB Complaint XX/XX/XXXX CFPB Complaint Transunion and a request for a consumer statement be added to a specific account. And/or deletion of the account if it was not the account as listed by the evidence provided by consumer. 

On XX/XX/XXXX I requested a consumer statement be added to the only XXXX Card reporting on my credit report. I fax this request to Transunion on XX/XX/XXXX through ring central. I provided a copy of fax verification. As of printing of my credit report on XX/XX/XXXX it showed no investigation and no change for this account. 
I have requested other consumer statements and always received a quick response. 

Consumer Statement is as follows " XXXX XXXX XXXX XXXX an agent of XXXX XXXX agreed to terminate collecting on this account on XX/XX/XXXX. XXXX XXXX was included in CFPB Complaint XXXX that resulted in XXXX terminating collection efforts. On XX/XX/XXXX XXXX sold the account to XXXX XXXX XXXX XXXX '' I provided a copy of the CFPB complaint # XXXX and related case XXXX that XXXX XXXX XXXX agreed to cease all collection XXXX XXXX, XXXX and a letter from XXXX XXXX that sated the sold the account to XXXX XXXX. On XX/XX/XXXX. 

I further requested that if the information reporting by XXXX XXXX XXXX did not match the account and evidence that was provided. Including a sign letter from XXXX XXXX XXXX, that the account be deleted. No changed resulted in my request not even the consumer statement being added to the account. 
I only have XXXX XXXX XXXX Card. Does the furnisher name not match is that why my consumer statement did not get added? 
This time I am including the first statement for this XXXX XXXX Card, again I only have XXXX account. I do not have any other accounts with XXXX XXXX XXXX. 

Could I please get the consumer statement added to my XXXX XXXX XXXX, I only have XXXX account. 

Thank You I have attached the original fax request XX/XX/XXXX A copy of the page showing XXXX XXXX XXXX reporting on Transunion report file number XXXX report date XX/XX/XXXX No investigation comments have been added to this furnishers ' reporting. 
A copy of XXXX XXXX XXXX first statement for the only account I have under a XXXX XXXX name. 
A copy of letter from XXXX XXXX XXXX, dated XX/XX/XXXX XXXX referencing a XXXX XXXX XXXX as the Creditor and the account ending in 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 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On my XXXX County XXXX record report there is incorrect information on there that does not belong to me and its rendering me from getting employment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-17 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:
XXXX credit services is saying that I owe XXXX money when I do n't. They 're saying it 's from 2011, I did n't even have XXXX then. I had XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans Union has XXXX incorrect addresses. 
XXXX XXXX, XXXX XXXX I never lived at or used this address for mail. It is the address of my BROTHER-IN-LAW 'S EX-WIFE. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This address must have a " XXXX '' before the house number, XXXX XXXX XXXX XXXX. 
That is all 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 non-monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Transunion shows that I owe XXXX XXXX {$2600.00} but this account has been paid in full since XXXX/XXXX/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 explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
This was an unauthorized credit pull. I did not want their Credit card. 
XXXX XXXX in XXXX, MN pulled my credit report and caused a hard pull. I did not authorize them for a credit card pull. I was trying to get signed up for just a XXXX XXXX Rewards card. Please remove this inquiry from my Credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services
State: AL

Complaint narrative:
The complaint actually involves ( Unauthorized Inquiries ) by Clarity Services , Inc. Inserted below is the email sent to Clarity Services asking for an explanation about the Unauthorized inquiries into my credit history. 

" Saturday, XXXX XXXX, XXXX To whom it may concern : This morning while reviewing my Annual Credit reports XXXX inquires from Clarity Services , Inc. was identified in my XXXX file. Please see the attached page extracted from my credit report. 

I would like to know what company requested the report ( s ). 

I have not requested or submitted a request for credit for neither of the dates noted ( XXXX XXXX and XXXX XXXX ). There should not have been any inquires from any organization. 

In addition, the information in the XXXX file that you provided is incorrect. Thus the purpose of reviewing my reports. 

These inquiries are determined to be " Hard inquires '' and does impact my credit rating. 

Thank You, ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT { XXXX } XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX 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 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Is the company who reported hard hits on my credit. I gave no permission for this and they in fact did it again just to hurt my credit even more. I had a truck that I financed through this company back in 2006, I believe. the truck had major issues about 3 months after the sale and I even paid extra for the warranty through their own place they offered. But when time to cover something they denied it and it was plain sight that that it was completely covered, so the truck sat for 4 months and sense I had no other transportation, I lost my job and the truck was a repo. Then the threats and nasty calls began for months and even 3 years later. I tried to go into their office and work something out but was met with disrespect and nasty words. So later I found out they repaired the truck and added the extra to fix the truck to my balance, bringing the total amount for a truck that originally cost me XXXX with XXXX down, up to XXXX as a balance owed on my credit report. After all the nasty letters and mean voice messages I decided to let it just ride out and fall off my credit. After the seven year marker they tried to claim they had the right to keep it on there anther 7 years. After 6 months of back and forth with the credit agencies, they finally removed the loan. But then the next month I see these hard hits on my credit from them and after a few phone calls and telling me I deserve this and there 's nothing I can do about this I pretty much gave up hope. This is why I am making this report and complaint, in hope that someone can help me out with this. and get those XXXX hard hits 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 2017-02-23 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:
I have sent in 2 certified affidavit in regard to my file. I did not au authorize anyone to pull my credit and put inquiries on them. ple please have these inquiries removed : ( 1 ) XXXX XX/XX/XXXX ( 2 ) XXXX XX/XX/XXXX ( 3 ) XXXX XX/XX/XXXX XX/XX/XXXX ( 4 ) XXXX XX/XX/XXXX ( 5 ) XXXX XX/XX/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 2016-06-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It has been 10 years since I filed for Bankruptcy and the credit reporting company removed the item last month on my credit report then added it again this month to my credit report.

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