vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Last year, XXXX XXXX company sent me a reservation pre-approved card number to apply for, by asking me to provide my SSN and bank checking account number for processing which I did. Later to know that {$300.00} was taken from my XXXX XXXX checking account by XXXX Bank without my concern. I did n't receive any credit card from them or open an account with them so I quickly called on my Bank to dispute that payment and it was refunded. Now that I have received a credit card from XXXX XXXX Bank, just recently and I have realized that there were some XXXX inquiries that affected my credit score, when I traced the source it has been revealed that I have opened an account with XXXX and has been closed, which to me I did n't because XXXX did not issue any credit card to me with their credit limit, therefore, I am disputing those XXXX information because it is inappropriate and irrelevant to my credit report. I once again plea for a dispute for the removal of that credit report. Thanks for your kind consideration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Last XXXX I wanted to check my credit score before beginning my new vehicle search. I simply wanted to order a tri-merge credit report ( XXXX TransUnion, XXXX ). After I Navigated thru TransUnion.com 's website, following the links to where I can order a credit report, I was taken to a signup form that was not a one time purchase form, rather a monthly subscription form. Here lies the problem. They do n't offer a way for a consumer to purchase a one time or even receive a free credit report. They force the consumer to sign up for the membership. So, as you can guess, like many consumers, time passed and my card on file was billed, {$9.00} a month. This persisted until my wife called and complained back in XXXX about cancelling the service and being refunded for past billed months. Nothing was done. Now, on XXXX XXXX, 2017, I logged onto the website and found a way this time to cancel the subscription. I called again to complain to TransUnion about why I 'm still being billed for this service which I never asked to receive and to confirm my account was this time cancelled. After speaking with the customer service person, she said confirmed the account was indeed cancelled. I proceeded to ask her about the funds from XXXX to present that were paid ( {$9.00} x 7months = {$69.00} ). She said that I signed up for a monthly membership service. I then told her I signed up to pay a 1 time fee for a trimerge credit report. After explaining to her that a consumer can indeed just order a onetime report, I asked her again for a refund. This time she complied and said she could only credit back 4months. I was astounded! I ca n't believe after discovering this formal complaint this morning that she would even try to retain me or offer only 4 months reimbursement for fees paid. I said that was not good enough for me, and that I needed to be refunded the entire amount. She then tried to get an EXCEPTION for this refund for all 7 months and said she was successful. I 'm writing today to point out that even with this complaint against XXXX and TransUnion, they are still providing deceptive practices. I should n't need to walk the customer svc agent thru the steps to ordering a report and indeed you are forced to signing up to their membership service. This is a SERIOUS problem and needs to be recognized by these companies in a public way. If there is a class action lawsuit regarding these events that happened to me, please include me as I will gladly participate in helping prevent this from happening again to consumers. Its simply not tolerable for someone who is trying to see their credit score and being duped into paying for an unwanted monthly service ( credit monitoring ) which i never used.

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 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a paid account that was still listed as open on my Transunion report. I contacted the creditor and had them confirm that this account was paid and should be closed and removed from my credit report. After they contacted trasunion to have this discrepancy removed my credit score went from XXXX to XXXX. I contacted Transunion to dispute this change, noting that my score should have either stayed the same or increased. Since any items falling from my credit report should be a positive mark on my report. When I had the same situation happened with XXXX they fixed it and made my score go up for paid/deleted accounts. Transunion told me that option was not available to me and actually tried to sell me a credit report even though I have already ordered my direct credit report through Transunion and I explained that to the rep. It was as so they were Car Dealers and their only concern were to have me purchase something else before getting off the phone. They were reading from a dialogue and not being personable at all with me nor my situation. Once I told them I would be contacting consumer services they grew angry with me and tried to push another product on me which I then hung up the phone.

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 2016-10-21 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:
Trans Union is in violation of the Fair Credit Reporting Act, Section609 ( a ) ( 1 ) ( A ). TransUnion is required by Federal law to verify, they have not and continue to report inaccurate 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 2017-01-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
i filed chapter XXXX in XXXX 2016 -- these debts were listed and relieved as of my closing -- these should be removed from my report -- i also contacted the agenies listed more than once to re-iterate this action that was taken -- i was not proud, but have a husband who has been XXXX XXXX XXXX, and unemployed for the past 2 years with XXXX XXXX to raise -- i work XXXX jobs and do my best to keep up -- these major unforeseen circumstances severly impacted our lives!!!

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 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX of my accounts is not showing up in my credit reports. My credit history of XXXX years with XXXX XXXX was deleted from the Transunion systems. I called both the Bank and TransUnion to open a dispute but nothing has been done to fix the error. As today my credit report is showing incorrect information because XXXX of my accounts is not reflected, consequently the pending balance due is not reflected either. I need your help to restore my credit history and to reflect accurate information on my credit report. I already sent evidence to Transunion of the errors made in their system and submitted via fax a copy of a Transunion report dated XXXX XXXX 2015 that shows the correct information ( before the changes ) and a letter from the bank showing that I 'm the owner of the mortgage loan account that is missing in my reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 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:
original debt owed to XXXX XXXX visa. 
over 7 years have passed, debt was charged off over a year ago. 
However, XXXX funding continues to report account as open and debt due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 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:
A report on Transunion shows that I owe money to XXXX XXXX. I have never had a vehicle towed so this is not my bill. I tried to file a complaint on Transunion but their complaint website was n't working. There is a collection agency trying to collect : XXXX XXXX XXXX for {$3000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There is a XXXX XXXX credit card on my credit file, states I am an authorized user..I have never been a user on that account and do not have a card ( the account with a {$4000.00} balance ). I talked to XXXX XXXX and they have corrected it on their end but I need it removed off my credit reports.

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 2016-07-25 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: CA

Complaint narrative:
I 'm comfortable filling out on-line forms and information. While using the free credit report website to access my annual free reports TransUnion quickly informed me that I had to request my reports by mail, XXXX of them saying it was " for my own protection '' .. I had no problems with navigating back and forth on the XXXX nor the XXXX website but the other TransUnion site was much more confusing. 
XXXX also asked if I wanted to sign up for a 30-day account for free to be able to view and access my account. However, they do not clearly state if they will begin billing after the 30-day free trial or if the account just disappears.

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 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and 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 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 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a complaint with CFPB on XXXX/XXXX/2015 against Trans Union ( please refer to case # XXXX ) Trans Union stated that it would take them 60 days to respond. To this date no response from Trans Union, the items that were disputed still remains on my credit report. Trans Union has violated FCRA by not conducting a re investigation as stated in their response to complaint # XXXX. Trans Union only removed judgments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX has been reporting a delinquent status on my credit report. I attained an auto loan in 2013, and I am currently paying the balance, monthly, and in good terms yet for some apparent reason they have yet to update the status on my credit report. I have been paying my monthly auto loan on time, from what I recall not missing a payment. Please do contact XXXX XXXX, referring to my name and social security to pull up my account, which will show I have been paying my bill on time. I need to clean this negative mark on my credit report by mid XXXX, for I am on the verge of attaining the loan needed for the expansion of my business operation ( Jewelry Store to be located in XXXX XXXX, CA. ).

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 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I was actually in a treatment program for XXXX in XXXX, Ky which I successfully completed. We were told that we could go to the school of XXXX in XXXX and the cost would be covered since we were in the XXXX program at the XXXX XXXX in XXXX, KY. I have successfully completed that program and have been XXXX for over eight years. I just want to get this debt off of my credit report at all XXXX agencies. Any help you can give me would be greatly appreciated. 
Thanks, XXXX XXXX XXXX XXXX

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 — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Background : XXXX XXXX, 2015 - I consolidated XXXX student loans into XXXX prior to XXXX 2015 I did not have a loan contract with XXXX. 
I am in a housing program called XXXX seeking a housing mortgage. When they pulled my credit I was told I have a collection on my credit report from TransUnion and XXXX. 
Naturally I pulled my credit and my account with XXXX/XXXX student loan is indeed showing up as in collection and late -TransUnion 120 days late, XXXX 180 days delinquent. 
I would like to contest this information incorrect again. My account is not it in collection, not is it 190 days late. 
I have attached : 1. the consolidating lending contract dated XXXX XXXX, 2015, 2. XXXX account summary account XXXX, 3.XXXX disputes sent electronically, 4. XXXX credit report with credit bureau findings. 
I can not apply for a housing loan with derogatory information on the credit report. 
I would like this derogatory information 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 non-monetary relief
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I dispute XXXX XXXX XXXX is from a XXXX account that was paid in full. I cancelled this policy and went with XXXX XXXX I do not owe XXXX any money

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 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion reports XXXX account incorrectly. Account status is PAID IN FULL. They report it as collection/charge off. The account is paid in full. That is the CURRENT STATUS, and the current status is what is required to be reported by the Fair Credit Reporting Act. The 24 Month payment history should show NR, as in no report, as the account was closed in XX/XX/XXXX, there was no reporting from XX/XX/XXXX until XX/XX/XXXX. It was disputed, and was paid in full in XX/XX/XXXX. The reporting should show 3 months of late payments, and then a charge off XX/XX/XXXX, then it was closed, it should show NR, until XX/XX/XXXX when it should show pays as agreed, then should show NR for XX/XX/XXXX and after that. Balance should be {$0.00}, actual payment amount should be {$1000.00}. The report should show charge off amount of {$410.00}. Date closed should be XX/XX/XXXX, as they re-opened the account to accept full payment, and XXXX agreed at that time to report the account as paid in full, in exchange for the disputed payment in full of {$1000.00}. Comments should read Paid in Full after disputed charge off, the account reporting is still under dispute. 
XXXX promised the consumer to show the account as PAID IN FULL STATUS when they accepted the disputed amount in XX/XX/XXXX. Please correct this reporting.

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 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. 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 listed below be REMOVED. 
- XXXX XXXX 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 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Tried calling TransUnion for assistance on my credit report. Was told " Special Handling '' is the only ones that can assist me with my report and that I 'd be transferred. No one ever answers when I call. I just receive voicemail. My calls are not returned. When I call back and ask for the direct number to this department, TransUnion wo n't give it to me. I 'm told I just need to call back to the regular number and asked to be transferred. 

I feel TransUnion is treating me different based on my prior complaints to the CFPB, and now TransUnion is failing to provide me the same assistance as they will to others on the phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Premier Portfolio Group
State: TX

Complaint narrative:
Keep Getting calls from a " Premier Portfolio Group ''? Saying they have a bad check? I have not had a checking account in 5 years and Never had a returned check when iI did have one! Sometimes it is an XXXX no sometimes a XXXX XXXX Area code, sometimes XXXX Or XXXX! This is obviously a scam and I want it stopped!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 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:
I do n't believe the company investigated the validity of this dept and its connection to 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 explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I leased my car about three years ago ; the payment has always been automatically withdrawn from my bank account and routed to the finance company through XXXX XXXX. XX/XX/XXXX, the finance company began making harassing calls to me stating that the payments were not being received anymore. I have been in contact with my bank who has also contacted the finance company and the bank and I agree that the payment has been paid/routed the same way so we did n't understand why the finance company was no longer receiving payment being that it had been paid the same way over about three years. The bank re-confirmed the account and routing number with the finance company where the payment should and has been going to. The finance company continued to harass and threaten me, that they we 're going to repossess my car. I would tell them that my payments have been routed the same way and I knew and have documentary proof that I have never missed a payment. On XXXX XXXX, XXXX, the finance company illegally repossessed my car without my consent ; which was a day after I gave the payment for XX/XX/XXXX. I have documentation that proves I have never missed a payment.

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