vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I noticed that every time I tried to access my credit score I could n't get them every time I logged in the report would come back that I do n't exist so I demand that u investigate XXXX XXXX and XXXX XXXX XXXX I never used those names thank u

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 2016-09-19 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:
Transunion credit Bureau is reporting unverified accounts to my credit profile. This is in violation of Section 609 of the Fair Credit Reporting Act

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 2017-02-06 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: OR

Complaint narrative:
I applied for my free credit report thru your website in XX/XX/XXXX. I was immediately refused due to the fact that your website provided unclear and illegible information and there fore trans union was unable to determine the nature of my request. I have now received my THIRD turn down and request for the exact same information I have sent XXXX times already. I sent XXXX pieces of govt id and a utility bill. I believe that they are XXXX off because I blacked out the account number as I feel that my name and address being on the bill is enough information, they do n't need the account number for anything other than skip tracing. They claim that all those pieces were unacceptable because they were any XXXX of XXXX different reasons. They still claim that my id I sent them is illegible and furthermore I also requested reports on the bureaus own form as well as your forms and a personal letter request from me personally. I believe trans union is merely trying to gleen more information to put in my file to benefit from me. Trans union 's insistance to refuse to give me a copy of the derogatory information they have been selling to others and true and accurate information is a fraud. They know that I am XXXX with an incurable XXXX and they are discriminating against me. They have also denied report to my XXXX husband and XXXX daughter for exactly the same reasons and for XXXX times for each of us. They are intentionally discriminating against my whole family. The intentional derogatory actions of trans union has unfairly harmed my self and my family. I do have an attorney for seniors who I 've talked to who is willing to pro bono sue trans union. credit unions can be sued and they have the bucks the attorneys know about. Please help me get my ctrue corrected credit reports immediately so that I can find a comfortable place to live thru the remainder of my XXXX. Credit unions have been pulling this for years on the consumer when will the govt impose serious enforced regulations again the credit bureaus? Thanks

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 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account has been duplicated. It should be XXXX account to XXXX not XXXX accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are XXXX liens showing up with XXXX which only list XXXX Release of tax lien XXXX {$23000.00} and TransUnion XXXX same {$23000.00} different doc numbers and TransUnion also list XXXX $ XXXXThese were a mistake that have been resolved, I even went to the court house. I explained that numerous times, XXXX removed all. What do I need to do so these XXXX agencies comply with the law. These were filed in error no tax liens existed on my business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX sent Trans Union a letter to remove a hard credit inquiry from " XXXX 2015 '' the inquiry is still present and needs to be removed as soon as possible please ...

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 2015-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For XXXX : I entered into an agreement to combined XXXX accounts into XXXX account. All docs were emailed and fax 'd several times. The email address and phone number to that particular department ( combined offers ) Never get a response nor does anyone answer the phone, and the rollover feature that 's on the phone is bogus. When I called into the main number I was informed its in process, I called XXXX and XXXX to express my concern on how this is going to be reported, as I have been told a payment is not due while this is being worked on. I was told several time this will not affect your credit. XXXX they reported XXXX delinquent. This dropped my fico score XXXX points, Im guess because its mulitple accounts. i called to inform them of this. XXXX have some very unethical practices and do some things illegal. Such as call your number cell and home XXXX times a day and leave numerous messages. i have never been 30 days with this company and have paid accounts off early. but yet they call prior to the bill due and after, they have several different numbers they use, its harassment. it is very stressful!!! its unfair to treat customers this way. I have uploaded a few pages of my credit report. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion has XXXX XXXX Bank on my Credit Report and XXXX XXXX Bank has been paid in full and on time. TransUnion is still showing I owe XXXX XXXX bank {$260.00} and I should have a Zero Balance. I have informed TransUnion about this matter to no avail. I want an Investigation into TransUnion because only are also Guilty of Discrimination in Reporting of their Credit Score.

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 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hospital rendered service rendered on XXXX/XXXX/2016 - it has now been almost a year. The hospital fraudulently billed. My insurance company paid the bill, the hospital billed me for the copay/balance - which was also incorrect. The hospital then sent the bill to collections. I notified the hospital & insurance company in XXXX 2016 that the bill was incorrect. 
I have maintained contact with hospital & insurance company and have been attempting to resolve the issue. In XXXX 2016, my credit score was XXXX, currently it is XXXX and continues to drop over {$100.00}.

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 2016-07-10 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:
Shortly before my husbands death we had to file bankruptcy. My mother mived in with me and helped me get some credit cards i my name but under her account. All XXXX credit reporting agencies have listed the total debt of both of us as being my total debt. This is completely wrong. Also with XXXX XXXX they did give me a separate account # but have it listed twice as me debt. It is still listed under her account but is listed twice on my credit card report, Technically I have XXXX credit card that is mine and is my name only. by doing what they have done it makes my credit look a whole lot worse than it is. I 'm trying to establish my credit on my own again. The way it is now it looks terrible

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 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the XXXX account on my credit report. This account do not belong to me. I have asked XXXX to send me information with regards to this account and I have not received any response back from them. This is because they do not have any documents with regards to this account. I would like Transunion to remove this account from my credit 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 2015-11-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There is missing information not on my credit report and i have a right to have my credit correctly reported on my credit report. Trans union has done a great job on cleaning up my credit report i just need these items reported correctly in order to offset the fraud that happened in my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filed a complaint through XXXX which was sent to trans union twice. I explained that the item listed was discharged with my bankruptcy. Both times I was told they ca n't remove it, which is incorrect and I want something done.

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 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is issued class action settlement because of inaccuracy and false information. class action what adverse action removed from 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 non-monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
A name listed incorrect XXXX Never used any name like XXXX An Address wrong : XXXX XXXX Al XXXX Ex wife 's address Some Phone Numbers wrong XXXX number unknown XXXX unknown

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 2015-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
You have my name down as XXXX, XXXX XXXX - My ex husband from years ago is XXXX XXXX XXXX, his name should NOTot be on my name, my New husband of 12 yrs name is not on my name. Please take the XXXX off my name, we have separate Credit reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02 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: MA

Complaint narrative:
I 've been trying to get my free annual credit report from Trans Union for more than a month and still have not received it. I mailed in the form with recommended identification several weeks ago and made numerous attempts online without success. I have also complained directly on the Trans Union website during my last failed online attempt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 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: OK

Complaint narrative:
Under current federal law, the XXXX credit reporting agencies are suppose to let you review you credit report annually. I have tried for two years and I always get various online replies from the XXXX agencies that they can not process my request or that I have already requested a report. It seems like if you do n't buy their additional credit products they refuse to give the consumer their free credit report as required by law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
TransUnion is reporting a judgement that does not belong to me. I am being violated and I do not approve of this violation. I was forced to pay {$1300.00} to settle this debt that did not belong to me and in order to remove this derogatory item and STILL TransUnion refuses to remove it after XXXX and XXXX has both removed this fraudulent item. My entire correspondence with TransUnion has been through certified mail for the last several months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 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:
Requested credit report from TransUnion. Upon receipt of report, found XXXX items ( i.e., liens ) on the report which did not belong to me. I obtained copies of court records showing that the XXXX liens reported by TransUnion on my credit report were not mine but, rather, they were liens belonging to other individuals. I contacted TransUnion and filed a dispute, file # : XXXX, with them. I also faxed to TransUnion the copies of court records showing that the liens were not mine. Nevertheless, TransUnion removed only XXXX of the XXXX erroneous entries on my report. To make things worse, TransUnion instead deleted a positive record from my record ( a bank loan, " never late '' and paid off ). Are these people idiots?!!!

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 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I disputed an creditor for the incorrect amount they reported to TransUnion credit bureau. They said if I had document to show they were incorrect send them and they will review them. After they ( TransUnion ) got the document they still allowed the FALSE information??? I have called XXXX times to get the creditor deleted. The other bureau DID REMOVE the same creditor from my file??? I need HELP?

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: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Open {$840.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$840.00} High Balance {$840.00} Remarks Account information disputed by consumer, meets FCRA requireme XXXX XXXX XXXX APARTMENTS XXXX XXXX XXXX, XXXX Closed {$1500.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX APARTMENTS XXXX Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1500.00} High Balance {$1700.00} Remarks Account information disputed by consumer, meets FCRA I am a victim of identity theft. I have filed a complaint with FTC and has followed all protocol for FTC. I have no knowledge of the accounts that was opened in my name.

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 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX account number XXXX this account is out of date its past the original it can be reported check the first date is was past due it has a XXXX bal and needs to 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 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are inquiries that I did not acquire debt and there is obsolete information concerning the correct spelling of my name and workplace.

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 2015-04-17 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:
While perusing my credit report, I noticed several items I did n't recognized. A address I did n't recognize and a collections bill from XXXX and XXXX I did n't incur. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2015 I refreshed by Trans-union credit report with via the website. However, I was shocked to see my credit score drop from XXXX to XXXX. I was shocked because I paid down {$13000.00} in debt 2 weeks prior to refreshing my report. I called Trans-union only to be told the score dropped because they use an updated/revised score rage from XXXX to XXXX which lowered my score. I disputed this with the representative only to be placed on hold for XXXX mins I disconnected the call me due to the excessive hold time. I confirmed with XXXX and XXXX that my credit score remains in the the XXXX to XXXX rage.

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: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously disputed several inquiries with TransUnion and never heard back on the following results, it has been several months already : - XXXX XX/XX/XXXX : Not my inquiry, resulted from identity theft - XXXX XX/XX/XXXX : Not my inquiry : company states a company applied for a merchant account. I am not a company nor have I ever owned a company. 

- XXXX XX/XX/XXXX : Not my inquiry, resulted from identity theft - XXXX XX/XX/XXXX : Not my inquiry, XXXX sent me a letter stating they were n't able to find why they ran my credit and they are requesting I provide them with my social, I will not provide my social as this initial inquiry was a result of identity theft. 

- XXXX XX/XX/XXXX : Not my inquiry, XXXX sent me a letter stating they were n't able to find why they ran my credit and they are requesting I provide them with my social, I will not provide my social as this initial inquiry was a result of identity theft. 

- XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft

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: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I see that there is an incorrect address that is reported on my TransUnion credit report. Please let me know what I can do about this so that it will not affect my credit score in any way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief