vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello, I just noticed on my credit report about a tax lien. I never had a tax lien. My ex-husband did not pay his taxes. I have proof from the IRS that I did not have a tax lien. I want this information removed from my credit report 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
Consumer complaint received 2015-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion reports that my account balance increased by {$11000.00} due to a student loan with XXXX. I have always had that loan, so it should not have been reported as a new debt. They knocked my credit score down by XXXX points. They should have not done that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2015 around XXXX I called to make a dispute concerning an inaccurate information on my Transunion consumer report under the FCRA. There is a duplicate hard inquiries from XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX ( Soft Pull ) and XXXX XXXX. I was concerned that the credit report pulled on these days were the same as there was no significant changes within these periods, and that only XXXX of the pulls was authorized. 
The XXXX customer representative informed me he can not take my dispute despite what the FCRA says. I requested to speak with his Manager and She said the same thing. I was not satisfied with the response and I was transferred to XXXX XXXX XXXX ( XXXX Supervisor ) who also concluded that based on their policy they can not take my dispute or investigate it, except I contact XXXX. 
I believe this is in contrary of the law, as the law does not discriminate on what type of information I can dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Since it has gone well past the 30 day time frame and the company 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 chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX issued a line of Credit for $ XXXX {$680.00} on XXXX/XXXX/XXXX and was closed back on XXXX XXXX and again listed and closed under my XXXX Chapter XXXX Bankruptcy.

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 — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
TransUnion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016

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 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Additional documents attached to support complaints XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 
Disparity in credit scores still continues. Key factors that adversely affected my credit scores. Serious delinquency, number of accounts with delinquencies, time on delinquency is too recent or unknown. A review of credits reports does not support these adverse comments. There no delinquencies. If there are no delinquencies time on delinquencies are null and void. Several accounts continue to be reported as and adverse accounts or accounts that may be negative. Information creditors are reporting to bureaus does not support adverse/accounts that may be considered negative. Several accounts have inserting bankruptcy comments, which I believe is the reason for reporting as adverse. Public record was a chapter XXXX bankruptcy which was dismissed in 2009. There were never any liens /liabilities against this file. These accounts were never included in bankruptcy. Information received from a creditor reveal that they throw out the high credit score and the low credit score, using the middle score. Based on their processing, I missed the cut off by XXXX points. Why do credits continue to use credit bureaus information as gospel?. Believe the creditor should communicate with customer before making any decision on an application. Creditor questioned why is there such disparity in my scores. scores. This question has been asked with responses from the credit bureaus. Why do the credit bureaus have such power to dictate who is credit worth or not. In response to my disputes, the end results are that information is accurate and will no longer investigate. Their re investigative results are verbatim Like they copied and pasted their results from previous investigative results. XXXX account show that records were updated based my dispute submitted over one year ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 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: IN

Complaint narrative:
I called Transunion and XXXX because I 've been a victim of fraud. I have several inquiries on my reports, that I did not authorize. They were very rude on he phone. I was told that they could not remove them. Transunion gave me the run around. I 'm trying to keep my credit score from dropping and it seems as if they do n't care.

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 2016-09-28 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:
I notice that my credit score decrease once I logged into my creditkarma account I observed an inquiry by XXXX reported as an oil company. I have not apply for any credit cards or loan for the past couple of months. I would really appreciated it if this inquiry could be deleted off my credit. 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
Consumer complaint received 2015-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
For the past three years I have pleaded with the top XXXX CRA to correct the record. Derogortory Information on my credit report is both FALSE and/or dated 15 to 20 years ago. I have not been able to obtain a credit card for over 15 years because of this. What 's worst, credit collection agencies are now filing judgements XX/XX/XXXX and XX/XX/XXXX for disputed items dating back 16 years. People who work as public and or government agencies are being targeted as easy targets. Many times it 's easier to simply give in to the false XXXX dollar judgement than fight and retain an attorney at a much higher cost. This happened numerous times. The new weapon by collection agencies in XXXX is the XXXX XXXX. They strong arm public employees and abuse their office. The CFPB needs to step in and sanction the reporting agencies and heavy fine the abusive collection agencies.

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

Complaint narrative:
XXXX failed to honor their settlement agreement terms after sending me a settlement letter and my paying them based on their agreementMy account is still shown as STATUS : Charge OFF - Paid for less than full amount, lateThe attached letter from XXXX clearly states that if I pay the offered settlement, my account would be Settled with {$0.00} Balance. Nowhere in the settlement letter does it say " Charge Off, Paid Late or Paid for less than full amount '' It simply states if I make the payments which I did, my account with be Settled in FullThat is how my Credit files should be shown under STATUS. but they are not. 

I have intiated investigations by all XXXX bureaus only to be told they checked with XXXX and XXXX tells them " charge Off '' is the correct status. 

I was either fraudulently lied to by XXXX to pay a debt under the pretense of getting my credit files improved to fix my damaged credit after XXXX years of unemployment from the recession ; or Someone XXXX XXXX that interacts XXXX Credit Bureaus is lazy and does not read the settlement letters. 

Bait and switch, which is offering one thing and then giving the person something else is fraud. I was offered one thing, I paid, they reported something else. 

Please have them change my files with the three bureaus

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is not XXXX. 
I never lived at XXXX, NY 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 2016-11-03 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
I called ALLY BANK on XX/XX/2016 on behalf of my mother who has two cd accounts and a money market checking account there. She XXXX the XX/XX/2016 and the retirement home raised her monthly rent to {$5500.00} from {$3200.00} as her care level increased. My mother went thru the verification process and had Ally talk to me. One of the cds was maturing on XX/XX/2016 and I told them I needed to have {$55000.00} transfered into the money market account so I could have her write a check to herself and deposit it in to her XXXX checking. I waited until XXXX to deposit that check in to XXXX and shortly thereafter I started receiving e-mails from XXXX about negative balance and fraud on her account. All three accounts are in a revocable living trust and my mother is the trustee. After receiving the e-mails from XXXX, I went back to mom 's rest home and called Ally Bank and they said they rolled the entire CD over and did not put the {$55000.00} in to her money market checking. This conversation took place on XX/XX/2016. They assured me that they would take {$55000.00} out of the CD and put it into her checking account there. I was going to deposit the Ally money market check in to her XXXX account and thought I better call them first to make sure the transfer was done. I went to mom 's and went through the verification process again and then was told the transfer was not done and it will not be done until I send them trust documents because my father had passed four years ago. I told them to close the accounts and send the check to the same P.O. box that the statements go to. The women agreed to send the {$260000.00} that was at their bank. She put me on hold and when she came back on the line, she said they were not going to send any money or do any transfers without the new trust documents. I had to loan my mother {$6000.00} so she could make her XX/XX/XXXX rent payment. This bank totally lied to me at all steps and took a toll on me as my mother is XXXX, XXXX. They should have their license yanked and be put out on the street. I think everyone should be aware of this banks shady business practices and warned to stay away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is listing wrong information on my credit report. XXXX sent me a " statement balance. '' The statement balance is wrong because the payments that I have made have not reduced the balance on the loans. In addition, what XXXX is reporting to my credit report does not correlate with the statement balance I received from XXXX. The statement balance I received from XXXX which shows a discrepancy to what they are reporting to my credit report is attached to this complaint and is a flagrant violation of the Fair Credit Reporting Act. The statement balance I received from XXXX is at least {$13000.00} less than what XXXX is reporting on my credit report and is a flagrant violation of the Fair Credit Reporting Act. XXXX is illegally reporting a higher balance than what they provided as a statement balance to further damage my credit rating in flagrant violation of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I made the payment via the internet but creditor ( XXXX XXXX ) does not want to recognized that payment was made on time. If they do not receive the money on time I should not be punished for bank transfer delays.

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 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account has been reporting on my credit for the past 7 years, and it should be deleted based on the time, has been reporting. At the time I am trying to buy a house for my little son and my wife, and this makes it hard since it should be deleted based on the law.

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 2017-03-01 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: TN

Complaint narrative:
All three credit bureaus : XXXX, XXXX and Transunion can not explain my credit Score while all scores are different. None of these bureaus can explain the Score process nor specifically why my credit score is being negatively impacted by their own records, due to " revolving credit not being established long enough ''. Their own records indicates my revolving credit has been established for 14 yrs, 10 months. This was NOT reflected on my credit bureau until I disputed I negative rating from XXXX, which was removed. Nearly immediately all credit bureaus this New Negative factor as stated above, arose and not one of these bureaus cares or can explain. Some have said perhaps it will clear up in a week, a month, they blamed algorithm 's ... ..etc! This is not satisfactory and the longer they all go not correcting this, the more my credit score suffers while I strive to improve it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have sent Trans Union numerous requests asking them to please investigate and correct some accounts in my credit report/file that are reporting incorrectly and they are not responding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have a wrongful charge from XXXX and it is in collection. My account was on auto bill pay and called XXXX at the time of the bill to inform them this was n't a legitimate charge as I had cancelled my account and switched to XXXX. I thought the issue was resolved as I did n't receive a bill after that until I recieved a bill from a collection agency. I had informed the collection agency but XXXX would never respond or even answer for that matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DIVERSIFIED XXXX # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Fraudulent account with XXXX - XXXX was opened under my name. Incorrect address & phone number was used. Account appears to have been opened in XXXX 's main location as the address and phone number used to open my account was in XXXX XXXX, South Carolina. 
XXXX was contacted and I was told they were opening a fraud investigation.

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 2015-12-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I 'd like to dispute all of the credit inquiries on XXXX my Transunion report and my XXXX report. I have XXXX on Transunion and XXXX on XXXX. I can say that I have applied to some of the place but I ca n't understand why there are XXXX or XXXX checks from the same company some with in months or in the same year. My report also shows a number of things that are out dated and have not been remove by the company. At this time I do see collections/charge offs and other things that should n't reflect on my report. I do n't see an auto loan from XXXX XXXX that I had showing as credit history. I only show 8 months worth of credit history. This is obviously incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 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:
Reviewing annual credit report from Transunion - have submitted following errors - no response : 1. I am XXXX or XXXX XXXX XXXX not XXXX or XXXX XXXX XXXX 2. Never lived in XXXX XXXX, XXXX. - Lived in XXXX last 35 years. 
3. Have never had a tax lien filed against me - Docket # XXXX XXXX, XXXX 4. Do n't recall ever having credit with XXXX XXXX XXXX - Acct # XXXX XXXX. What does " promotional Opt-Out mean??? If this is a lock out please have it 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