vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I had a personal Fine Art business called XXXX. I started this business in XXXX and by fall of XXXX it was still loosing money and I initiated a consultation to consider bankruptcy. I decided to file for bankruptcy and was told that the filing would stay on my credit report for seven years. For the past seven years I have had to pay higher rates on everything and have been patiently waiting for the 7years to pass so I can get my credit score back in good standing. I signed up with a credit reporting agency this past fall to review my credit score and correct anything that was wrong and make any other changes necessary. I requested that some items be investigated and received the Trans Union investigation results stating that my Chapter XXXX bankruptcy filed on XXXX/XXXX/XXXX will not be removed until XXXX. This is a complete surprise and not what I was initially told. What can be done about this? I may have sought other avenues had I known that this bankruptcy would stay on my credit report for a full 10 years. Either I was given wrong information or the decision changed recently in which case I do n't feel that it should apply to me. Please advise.

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 — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am rejecting this response because : I have a right to request the credit reporting agencies method of verification under FCRA, Section 609 a ( 2 ) You must disclose the source of this information to me. 
Also FCRA Section 611 paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states. " if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency including the business name and address of any furnisher of the information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.. In this case you said you spoke to someone at the TN US bankruptcy court. I am requesting the following. 

If you can not supply me with this information in 15 days I want this incorrect information removed from my credit report or my next response will be to file a small claims lawsuit against your company to legally have it removed. 


( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute.

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 2016-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These XXXX accounts have been reinserted and was not verified nor validated. I requested method of verification from the credit reporting agency and I requested the collection agencies validate the account sending me proof of whom the agency talked too and a original document with my signature. These accounts was removed and now they are reinserted without verification or validation. The XXXX accounts are : XXXX XXXX and Public record XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans union has a bankruptcy on my report that is incorrect

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/2015 I did not grant TRANSUNION authorization to provide access to my credit report 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 2016-10-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I mistakenly over paid of my Bank of America. The payment cleared in 24 hours. Why does it take 2-5 business days ( possibly 7 days ) to return the money back into my account? They have had {$13000.00} of my money sitting there. Why can they take your money so fast but be so slow returning 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 monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have had a XXXX XXXX credit card for several years now, but unbeknownst to me they changed companies last year or " transferred lenders '' from XXXX XXXX to XXXX as it says on the report and my account was closed without my knowledge. So when I went to purchase goods from there this year rather than updating my account they started me a new one which subsequently hurt my credit score by bringing the age o my average account down significantly. I now have XXXX listings for XXXX XXXX cards with a less than XXXX year gap in between uses and a credit dip to boot. Help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 
These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, 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 2015-06-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The FCRA Guidelines specifically states that it prohibits incomplete or inaccurate information from being reported on a consumers credit report. Doing so constitutes grounds for removal. The Law needs to be followed and enforced. I have wrote this company and faxed information on several occasions regarding these particular accounts listed in this letter. 
1. XXXX XXXX XXXX : This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
2. XXXX XXXX XXXX XXXX This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
3. XXXX XXXX XXXX : This account is/ was in my ex-husbands names, but it is in my credit file therefore deeming it " '' inaccurate '' '' which constitutes grounds for removal. 
4.XXXX XXXX XXXX : A collection account can not be open or go into collections " inaccurate '', " incomplete ''. I have contacted the original creditor and they can not find any account of the sorts in their system. 
FCRA states that if you have previously initiated a dispute or an investigation and do not receive a complete or satisfactory resolution that you may dispute again and the company must respond in XXXX days after receipt of the XXXX notice. This is their XXXX notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The IRS agreed to take the tax lien off of my credit file in a direct conversation with them. It should not have been placed as a lien. I disputed this with the bureaus. XXXX removed it but Trans Union did not.

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 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear Sir/Madam, I am writing to request you open an investigation surrounding what I believe are unfair, improper and perhaps even illegal practices engaged in by TransitionIn XXXX of XXXX I suffered a significant financial blow when a business I owned failed, which ultimately necessitated a bankruptcy filing in XXXX of XXXX. 

I had several accounts with XXXX XXXX, all of which were in good standing until XXXX XXXX. Up till that point, I had never had any inaccurate credit reporting, or felt poorly treated by XXXX, and in fact had a stellar reputation with them and a very good credit rating overall. 

In XXXX of XXXX, XXXX was notified, as were all of my creditors, as to the Bankruptcy proceedings. At that time the accounts mentioned should have been reported to credit bureaus as " closed ''. 

Further, XXXX has repeatedly, and with what seems to be malice and purpose, incorrectly reported the disposition of my accounts to The Credit Bureaus. I have tried to resolve this by opening over XXXX investigations with each credit bureau, sending supporting documentation including bankruptcy orders, discharge orders, etc. to the credit bureaus, sending the same documentation to XXXX as well as having my attorney contact XXXX. Ultimately this has yielded " 0 '' results, and the Credit Bureaus, despite my submission of supporting and explicit documentation, claims XXXX has verified the reporting. It is my belief this constitutes a willful and purposeful intent to harm me as a consumer, and is a violation, at the very least of the FCRA, but XXXX consist of even more severe violation of other laws and/or regulations. 

XXXX has consistently incorrectly reported account on all XXXX of my reports in this way and despite supporting documentation to the contrary, the credit bureaus continue to incorrectly report it : '' Doubled '' accounts showing them twice, thus severely damaging my credit rebuildingHas reported accounts as being enrolled in a " wage earner program '', which has never been the case, and has damaged my credit worthiness. 

Is reporting most accounts as closed XXXX XXXX, even though they should show closed in XXXX of XXXX, which is severely damaging my credit rating. 

Has/Is reporting accounts as " open and late ''. 

the credit bureaus refuse to revise these inaccuracies, and seem only willing to list what XXXX tells them, despite my myriad documentation to the contrary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My transunion reports are showing XXXX accounts that are in collections and they are incorrect due to the fact they were filed in my bankruptcy that was filed on XXXX XXXX 2015 and should not be shown in collections any longer. We received our letter of release of debt from the court so these accounts should n't be showing to be in collections any longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX continues not to update my credit file with all XXXX bureaus they state foreclosure an wrong amount I owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to Transunion regarding incorrect personal information and unauthorized hard inquiries showing on my file. I have written and spoken to creditors, on the phone, only to be told that I needed to dispute with the credit bureaus. XXXX XXXX was not able to find an inquiry with my SNN in their system and told me to resolve directly with Transunion. I spoke with XXXX XXXX onXX/XX/XXXX and they confirmed that I should deal with Transunion directly as I did n't have any account opened with them. 
This week I received my annual credit report from Transunion with a general letter explaining what was the inquiry. No results of the investigation were provided. 
I was in contact with Transunion XX/XX/XXXX, in an attempt to dispute hard inquiries currently showing on my credit file. 
My husband XXXX XXXX with my permission spoke to Customer Service Representative and Supervisors. They stated that I could not dispute inquiries, because they were factual. I needed to contact the company instead of disputing with Transunion. I explained them that some creditors were unable to even find those inquiries in their system and told me to call back to Transunion. The supervisor said that they would not investigate and I had to contact creditors if creditors would not investigate I had to leave it as it was. I asked her to provide everything she said in writing and she refused. I then informed her that I was told by the CFPB that I had a right to dispute inquiries directly with the Credit Bureaus, as well as, obtain documentation used in the investigation. Nothing happened. 
In the meantime, the discrepancies go unresolved, because the creditors and credit bureaus are not on the same page. I currently have the following inquiries to be disputed : XXXX Date- XX/XX/XXXX XXXX XXXX XXXX Date- XX/XX/XXXX XXXX XXXX Date- XX/XX/XXXX I could not dispute the inquiries, because both the customer service representative and supervisor refused to initiate the investigation. 
I want all fraudulent and unauthorized information to be deleted 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 2016-04-05 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:
Am a victim of identity theft which took place in 2011. During the incident my identity was used without my knowledge to multiple fraudulent accounts XXXX of them with XXXX. I subsequently filed complain with the creditor and also with the police disowning the credit purchases. In turn the creditor ( XXXX XXXX ) had sent to account to collection company ( XXXX ) whom I reached out to settle this matter. Upon my complain with XXXX XXXX asset i was instructed to provide copy of police report to settle this account which i subsequently provided and the account was removed from collection and marked as settled. 
Lately, i have been receiving harassing collection calls from XXXX who have gone ahead and reopened the account for collection despite sending me letter as proof of settlement confirmation ( see attached ). Recently I faxed the settlement letter to XXXX to take action, but so far action has been taken. 
I would like to put and an end to this ongoing harassment from XXXX XXXX XXXX. And also have them remove/delete the {$750.00} debt from my credit report which is currently showing as delinquent and hurting my credit rating. 

Any assistance accorded from you would greatly be appreciated. Please find the attached filed police report in reference to the account and also settlement letter sent by portfolio as settlemement proof for no further collection action.

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 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TRANSUNION WILL NOT STOP PLACING FRAUD ALERTS ON MY CREDIT REPORT I NEVER NEVER AKSED TO HAVE A FRAUD ALERT PLACED ON MY REPORT!!!!!!!! 

I AKSED THEM TO INVESTIGATE THE INCORECT ITEMS, BUT THEY WILL NOT INVESTIGATE THEY JUST KEEP PLACING FRAUD ALERTS ON MY REPORT I DEMAND THEY REMOVE ALL FRAUD ALERST FROM MY REPORT!!!! 

I DO N'T KNOW WHAT XXXX XXXX PERSON IS READING MY FILE BUT THEY DO NOT UNDERSTAND ENGLISH!!!!!! 
REMOVAE ALL AND DO NOT PLACE ANY FRAUD ALERTS ON MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX dob XX/XX/XXXX SS # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX old tax liens that were paid/satisfied/released. 
XXXX from XX/XX/XXXX for {$800.00} and XXXX from XX/XX/XXXX for {$930.00}. These showed up on my credit reports XXXX. I filed a dispute with all XXXX credit reporting agencies. 
XXXX removed XXXX them immediately. 
Transunion removed the XXXX from XX/XX/XXXX, but not the XXXX from XX/XX/XXXX. 
XXXX did not remove XXXX. 
I would like XXXX and XXXX to remove these outdated derogatory reports. Thanks in advance for any assistance you can provide.

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 2016-07-06 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: NJ

Complaint narrative:
Sir, Currently, I 'm living in abroad ( XXXX ) for a short period and moving to US soon. I was given understand that there are few credit card accounts are charged off and there are fraudulent transactions are appearing on the account statements. In this context, I tried to extract credit reports/statements from credit card reporting and monitoring agencies like TransUnion, XXXX etc from XXXX. Unfortunately, I 'm not able to access reports and it is showing up as 'location issue '. I 'm trying to access these reports from XXXX ( Abroad ) and it could be the reason for not getting these reports. As I 'm moving to XXXX soon, kindly send those Credit reports to the following address in USA as I need to fix this issue before arriving in to USA or to my e-mail ID : XXXXXXXXXXXX. 
XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXXXXXX

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 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX Incorrectly stated late by thirty days on XXXX X when they clearly received on time payments. XX/XX/2014 they marked the payment late for 30 days when they received it on time for credit reporting on XX/XX/2014. Yet the statement shows received on XX/XX/2014 and processed XX/XX/2014. Something similar happened in the next month. The payment was due on XX/XX/2014. However that date was on a Sunday. XXXX processed on the Monday XX/XX/2014. That payment was probably received on the Friday or Saturday before the due date but processed on that Monday

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