vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been disputing and requesting validation of a debt I do not owe for nearly a year now and TRANSUNION has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts : XXXX XXXX XXXX Acct # : XXXX since XXXX 2014, and XXXX Acct # : XXXX since XXXX 2014. Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX-XXXX ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint because Trans Union 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 sections 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 matter 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 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My CPA has contacted the source and they informed him that they can not find anything filed against me so I am requesting that you either remove from my report or contact them and let me know what I need to do to handle this matter. 
Source XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has fail to provide me with results of my dispute that I have initiated since last year on accounts that collections companies have fail to provide with proper documentation, accounts closed and recent payments have been posted.

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 2015-05-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I owe XXXX XXXX XXXX A total of XXXX dollars and h and have been paying XXXX monthy but they will not remove th the collection from my account. been paying for around 2 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
What happened is I wrote several letters to the credit reporting agencies XXXX and XXXX and Trans Union and I sent them a copy of my government identification and I requested a copy of my credit report from each of them. They all never responded and none of them ever sent me a copy of my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 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 have a Charge off now listed on my Credit Report as of XXXX by XXXX XXXX XXXX show as account ending XXXX in the amount of XXXX. They show this account was opened in XXXX XXXX with last payment of XXXX XXXX. They have also listed on my credit report under Credit Source of information for both XXXX and Transunion the address of XXXX XXXX XXXX, XXXX Ca XXXX. I do not have any account or outstanding balance ending in account number XXXX nor have I ever lived at XXXX XXXX XXXX in XXXX or put on any application for Credit.

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 2015-05-29 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:
Credit agency ( Trans Union ) has reported an installment loan from a " sub prime '' lender ( XXXX XXXX XXXX ) that negatively effects my credit rating ( which does not belong to me ) and claims they have verified with XXXX XXXX that the transaction is mine. I tried to contact XXXX XXXX XXXX at the address given XXXX XXXX XXXX XXXX XXXX, Ia. XXXX XXXX XXXX XXXX ) and there is no XXXX XXXX Office in that town and the phone # sounds like a fax signal. Trans Union offers to submit dispute electronically ( XXXX time and expects to get a different response ) but will only submit Social Security number info ca n't or wo n't ask for contracts or name and address or any other pertinent information. So the disputed transaction ( even though the account is closed and does n't belong to me ) stays on my credit report as a negative factor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 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: AZ

Complaint narrative:
Some one using my information has made a huge purchase in XXXX XXXX. They also did not live in XXXX XXXX in XXXX. I have never been issued a credit card. My bank ran credit check in XXXX and told me I had a thin file. No credit but now I find out. Somebody is getting credit in my name, but I ca n't see the 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 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove all my information history which I owed them in TransUnion. I XXXX for college, car loan, XXXX, XXXX and XXXX. I do not understand they still keeping my history. It already passed 7 years. I tried to apply credit card but they not approve because of my bad history. I not agree with them hold my history OVER XXXX years. Please clean up my credit now and thank you. The policy said hold up to 7 years only.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am a victim of identity theft. While incarcerated from XX/XX/XXXX to XX/XX/XXXX, someone stole my personal information and identity and applied and opened up the following unauthorized and fraudulent accounts in my name : 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. I have attached supporting documentation for proof, I was incarcerated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
TRANSUNION SAVE YOURSELF SOMETIME IF YOUR COMPANY WOULD FOLLOW THE FCRA SECTION 609 FEDERAL LAW YOU SHOULD N'T HAVE TO SEND MY DOCUMENTS TO THE CREDITORS PER THE LAW YOU ( TRANSUNION ) SHOULD ALWAYS HAVE THE CONSUMER ORGINAL CONTRACT ON FILE AT ALL TIMES

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 2016-01-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I paid my daughters car off over 2 years ago. It was in my brothers name. He died XX/XX/2014. Then today they repossessed my car. She now does n't have a ride to college. My bank has the title. An they are sayin my bank did n't pay it off but they did.

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 2016-02-26 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: OR

Complaint narrative:
MY CREDIT SCORE WAS XXXX ONE MONTH AGO - IT XXXX TODAY. I CHECK IT EVERY MONTH. NOW NOTHING HAS CHANGED. NO BALANCES HAVE WENT UP. NOTHING HAS BEEN LATE AND NO INQUIRIES. THIS NEEDS TO BE ACCOUNTED FOR ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 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:
As a XXXX customer, I was out on vacation and I was charged, {$130.00} for local calls in XXXX timeframe, I disputed and they kept saying I made international calls. I have sent letters to FTC and XXXX complaining the same. They have not only reported me to credit beareau, my complaints to the credit beareau, FTC and XXXX has gone unnoticed. To make matters worse they have refreshed the report again on my credit history, this has caused me XXXX to no end. I have disagreed to pay and fight this illegal charges on my principles of fight the corporations for there egregious mistake. Please help me resolve this charge on 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 2016-11-20 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 have contacted XXXX XXXX in regards to an account balance of {$480.00} seen when I pulled my credit file. i have yet to receive any validation from them and since then the account has been sold to XXXX XXXX who contacted me on XXXX/XXXX/16 with a collection letter. I have sent them a request for validation also and I have yet to receive anything from them also. The collection agencies continue to report this information as accurate but i have contacted both companies as directed and have yet to receive a response so i am unsure how these reporting agencies are accurately validating this clearly wrong 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 2015-12-08 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:
Someone is in my account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Working on submitting dispute issue with TransUnion credit reporting company. 
This account was Legally paid in full for less than the full balance several years ago through XXXX XXXX. 
On XXXX/XXXX/16 I submitted a consumer credit complaint but the issue was only corrected with the XXXX Credit Reporting Agency still showing on my XXXX & TransUnion 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 2015-08-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report.XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 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: FL

Complaint narrative:
I have tried fro XXXX months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time

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 2016-05-12 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: ID

Complaint narrative:
I requested my annual credit report and i was sent a letter stating i had to provide proof of identity such as a utility bill. I sent a copy of a current electric/utility bill from XXXX and then i got a letter stating again stating that i needed to provide proof of identity with the same forms of identification listed on the form such as an eletric bill. I also have a security freeze since my identity has been stolen in the past and when i go to transunions website, it allows me to sign in but starts flashing and flicker. i know its not the computer or the internet because i was able to temp life the freeze from other credit reporting agencies. transunion has blocked me from my own info and even when i provide verification of who i am and my current address, they still will not provide me my credit report. their online credit report request asks me questions to try and verify me that has nothing to do with me and does not pertain to me so it denies me the ability to get into my credit report online because the questions that they are asking do not pertain to me. Im not sure why they changed my information but i would like them to stop blocking me and correct the wrong information they set up to keep me out of my own credit file. I can get to my credit report from XXXX but not from XXXX or transunion and transunion will not let me temp remove the freeze even though i have my password and pin number 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 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion has deleted my inquiries couple months ago and they put those inquiries back. I called them but they did not want to remove 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 2015-09-04 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:
Trans union report the wrong information. I got a report today that has consolidated credit on it as collection agency/attorney. I did check with XXXX and XXXX an nether principle is registered as an attorney in either State, however Trans union allows the idiots to report on credit reports just because they want the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My apt manager was a XXXX lived there for XXXX years with a roommate.She let it go so badly I had to leave. Every thing was bug infested abd ruined. Now I canot get one thing straight. I do not owe my roomates half and they will not take any offer to get this resolved. I need to get a place and thie a nitemarre on my credit. 13 years is along time to live somewhere never late on the rent. I have pictures of the bugs. I need this off my credit. I am XXXX on XXXX alone, so I do not have time for these games

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
my credit report is skewed because of the amount of money owed related to the credit limit. 
I have a XXXX credit card, that had a credit limit of {$13000.00} in 2014. They reduced thelimit to {$9200.00}. This increased my " debt to limit ratio '' to an unfavorable rate. I am penalizedtwice. I did have late payment which I do not challenge. But the ratios that are used do nottake into account the reduction in the new limit. XXXX reason it was reduced- lack of use inXXXX stores.

Company public response: Company chooses not to provide a public response
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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has XXXX account XXXX original creditor XXXX. I never had XXXX nor did I ever live at the address it was installed has been deleted with the other XXXX credit bureaus.

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 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted dispute in past for some inquires and incorrect information. Please see the attached letter with details on of specific inquires and credit buereas. Please remove unauthorized inquires. Thank you so kindly in advanced.

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