vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is supposed to be deleted from my reports all 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 2015-06-11 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: MD

Complaint narrative:
The website locked up before I could view my report. When I tried to return to the page, it said I 'd already gotten my yearly report when, in fact, I had n't had the chance to view it at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 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:
The debt is not mine. I contacted the company on several occasions and was told it would be 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 explanation
Consumer complaint received 2016-09-19 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:
On XX/XX/XXXX I made a call to the department disputes Trasunion, reported me with a supervisor, because customer service, had no access to the document which had sent them XX/XX/XXXX as evidence a dispute against XXXX XXXX XXXX XXXX, the supervisor tells me that actually signed by XXXX XXXX department ( Complience Division ) XXXX clearly said they had targeted after an internal investigation, remove the account from my credit report, but immediately said he could not it, just if you could send another letter the same, but with more recent date, which is totally absurd since the account is the same, I said that if XXXX sending this document, even by registered mail, was because he had granted special treatment to the case, even it insisted that it should be a recent document, is not possible that a letter which refers to one account it can not be removed, when the company which had to make the decision, he did, in the case of XXXX, this document has no expiration date or the aforementioned company I find out about that detail Trasunion is violating the law FCRA Fair Credit Reporting Act USC 1681 reporting information taking into account as evidence of this illegality this letter even signed and certified by the company in question, please must immediately remove this account 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 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I recently got my credit report which showed my credit scores. TransUnion and XXXX have gone down XXXX points. I have been trying desperately to reestablish credit since a medical bk and foreclosure as I know how important good credit is. I have over the past 3 yrs purchased a home & opened up credit cards, paying them off immediately. I recently refinanced my home & bought a new car. I shopped around & it is my understanding that I could shop around for 30 days & those inquiries which were for the same thing & done within 30 days of each would only count ONLY XXXX. Apparently this is not happened according to XXXX. I have several refi inquiries & also auto inquiries which I do not believe has been fed properly to XXXX who is determining my credit score. I need to get this straightened out so that my score can improve. The credit reporting agencies say I can not dispute a Inquiry. They say I must contact the company on the report ; find out who made the inquiry ; contact them and either ask them to remove it if it were in error or if it was not authorized by me. I have done this with several. Please note XXXX had pulled my credit on XXXX & XXXX /out my permission They say they will remove same. Others say they ca n't do it..So I am at a loss at what do do as each XXXX is XXXX points and is adversely affecting my credit Note : 1 ) XXXX pulled for XXXX Mortgage XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX for refi within 30 days 2 ) XXXX pulled for Full Access Mtg XXXX/XXXX/XXXX & XXXX/XXXX/XXXX within 30 days 3 ) XXXX pulled for XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX Store XXXX/XXXX/XXXX for auto loan -- XXXX XXXX XXXX XXXX XXXX as well on XXXX/XXXX/XXXX all within 30 days ; XXXX Bank which is NOW XXXX Bank had several different inquiries : XXXX Bank had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX which seems crazy to have it pulled twice on the same day!!! I just spoke to them They are writing a letter to credit bureaus to have them removed as they did NOT have my authorization to do so after checking their records. 
I am frustrated because I ca n't dispute these with credit reporting agencies, many of the companies I call do n't want to remove them ; I ca n't get help from XXXX who is the XXXX that report the scores ; and I ca n't get help from the reporting agencies who feed the info to XXXX -- YET my credit is getting damaged and there is no one to turn to. Please research this let me know how to best proceed and if in fact some of these can be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 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:
There was a problem, where Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I 've been affected gravely and my score is suffering as a result. No notice was given whatsoever, which is also a violation and I am requesting that the inquiries be removed : Please.. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Thanking you in Advance for your assistance.

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 2016-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Premier Portfolio Group
State: PA

Complaint narrative:
Received a call to my cell phone which is on the Do Not Call list for a debt that is n't even mine. 

Premier Portfolio Group XXXX Every time I asked for information she would get loud and hang up on me. Then started threatening me with legal action because I would call back. 

Thru internet searches I have found numerous complaints of harassment about this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX collection according my is not mine identify theft also attached a copy of my police report number

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 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has sent me a copy of a document dated XX/XX/XXXX which they claim confirms the tax lien which I am disputing is valid and legally allowed to be reported to my name for a dispute in XX/XX/XXXX. I am flabbergasted at this companies actions and terrible investigate work in verifying a dispute dating all the way to XX/XX/XXXX until today with a document dated nearly 5 years old. They have repeatedly threatened me on the phone and by mail that I am NOT allowed to dispute this item any more. I believe that this is another attempt to lie and fool consumers into shutting up and going away. This lien is no longer under my name I demand that Transunion send me the PROPER and CURRENT documentation if they disagree. I want my signature, my tax returns verifying that I owe anything to the STATE as late as XX/XX/XXXX will be acceptable in avoiding litigation. I want the proper and current dated documents mailed to me certifying and verifying this lien as mine. I want to know who they spoke to and if they forwarded the documents I sent the showing the withdrawal of the lien. This lien was negotiated and paid in full through the 'reconveyence program ' though monthly installments. I have spoken to the Franchise Tax Board personally and they have informed me that they have not received any documentation or calls from anyone at Transunion. Please delete this withdrawn, inaccurate and invalid lien from my credit report immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX account was removed however a collection agency placed themselves on my credit and the credit bureau nor the collection agency has failed to remove the fraudulent account from my credit. I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Name is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08 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:
Hello. Someone is using my social security number and applying for credit in my name. I found this out because I received an alert from my credit monitoring agency showing that credit has been applied for in my name. The company is called XXXX and they are a debt collection company for a mattress company, XXXX. I have not applied for credit through this company. This company appears to be out of XXXX and/or XXXX and I live in XXXX. Furthermore, I have a mattress, I would never rent to own a mattress and I am a person with an outstanding payment history. I have reached out to XXXX XXXX at XXXX XXXX XXXX and she will not help me. I told her that I can send her whatever she needs to verify my identity and that the person who applied for credit is using the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX as it too is listed on my credit report and that I have never lived in that state. However, she still will not remove the item. Can you please help me?

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 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I previously disputed a creditors account with Transunion. I was first alerted to this delinquent account from " XXXX XXXX '' when I received an email from a credit monitoring service i subscribe to called XXXX XXXX, they alert you to any changes on your credit report. I immediately called on XXXX/XXXX/2016 the creditor " XXXX XXXX '' and asked for an explanation as to why this account was on my report, they could not give me any reason. I then asked for the information verifying the debt to be sent to me and to and to this date have received nothing. Below is an except I have copied directly from the CFPB website. 
" If the debt collector does n't provide that information in the first contact with you, it is required to send you a written notice including that information within five days after contacting you '' To reiterate I have not received any information from this company. Transunion states they verified the debt which I find highly impossible considering I was never sent information backing this claim. Please delete the account " XXXX '' from my credit report. 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 2016-02-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I have a vehice loan with Ally financial I 've been harassed every since they financed my vehicle. I recently received a call from Ally stating they had a repossession order out for my vehicle XXXX Chrysler 300. My payments are current but the repossession is for late charges. I have n't been receiving monthly statements for my account nor have I received any type of correspondence stating that there is a repo order out for my vehicle. I would appreciate your help with this urgent matter. I want to pay my financial obligations. I feel I 'm being discriminated against and being harassed

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 2016-11-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is a credit enquiry from XXXX that I did not initiate and that the credit reporting agency refuses to remove

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 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Trans Union has ignored my XXXX mailed disputes of fraudulent information on my credit report, when I complained here they responded with a non answer to my complaint and said I have not tried to dispute the fraud, They claim to have sent my credit report to my last reported address, I believe they sent it to the fraudulent address that recently appeared on my credit report. I have lived at the same address for 33 years. 
I have tried to use the phone numbers listed on their web site and the one given in the non response to my earlier complaint, when anyone will answer besides a very unhelpful robot they reach barely understandable people who apparently are trained to not help victims of fraudulent credit reporting. 
I have tried to use the web site but many years ago when I had a dial-up isp I set a secret question that asked my favorite car, that was many years ago I do not remember what I answered. I do remember trying to use the question what is your mothers middle name and being told the answer is not a word because it is only XXXX letters. I have tried to get them to reset this with only silence for a answer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureau has several incorrect addresses on file. I have informed them to remove the inaccurate information from my credit file. However, the incorrect information remains on my report. I have provide Transunion with the correct address and employer that should be listed on my credit file. The inaccurate information still remains on my file.

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 2015-11-08 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:
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2014 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Hello, I recently disputed a lien on my credit file through the Direct Dispute portal via XXXX XXXX. 
Dispute was filed on XXXX XXXX 2016 and returned on XXXX XXXX 2016. With no investigation completed. This lien has been satisfied XXXX and has been removed from XXXX & XXXX I want this removed from my Transunion credit file asap. 

Thank you, 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 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have a student loan that went into default, I repaid it through the rehabilitation program. I am current and have been current since 2012 with the new servicer my loan was sold or transferred to. The original creditor was XXXX the new creditor is XXXX XXXX XXXX. My credit report reflect erroneous duplicate information that they refused to properly investigate and remove. I am requesting assistance for this information to be removed and for my claim to be taken seriously, it has affected my ability obtain credit and loans due to the lowering of my fico score and this inaccurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
1 account is not mine 2 accounts I did not accept some credit cards have failed to information

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 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Contact Transunion about a glitch that they had in XX/XX/XXXX they deleted my collections and inquiries and then 2 days later they were reinserted without proper notification representative was fully aware of glitch they had back n XXXX but he told me that he could n't help me about it that everything is back to normal I explained to customer care that they did not follow the proper procedures sending notifications in writing to customers about this issue that I was demanding for the items to be delete due to not receiving any notification from Transunion customer care replied sorry but he could n't do anything that it is not a Transunion issue. 
The following are the inquiries that were deleted XXXX XX/XX/XXXX,,, ,XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXXXX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX , ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX ... 
XXXX Account # XXXX Account Type Collection services Balance {$270.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This company keep putting this account on my report I 'm a victim of identity theft they keep putting on and taking if off back and forth I do n't no what to do again given summit all document to them and it was removed from the rest of credit agency.

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