vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion refuses to remove the XXXX XXXX account despite both XXXX and XXXX doing so. I have provided proof that the creditor has requested it removed via the cfpb. Further they will not send my full file disclosure nor will they block the unauthorized inquiries or XXXX. I have sent them multiple disputes to no avail

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 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
items on my credit report are old and chargeoff, accounts that i have paid are still showing late payments on my credit report. please help me get these issues resolve from damaging my 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 explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have repeatedly advised Trans Union that the following requests for my credit were not authorized. They refused to remove the fraudulent inquiries and they continue handing out my credit report without proper authorization. 
XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 Furthermore, I do not have a XXXX loan. The went through some kind of acquisition and/or company split and they are reporting an account late incorrectly. My account was paid off years ago and was never late. It was constantly in an in school deferment. Transunion refuses to fix the error.

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 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion keeps deleting and reinserting a charge off account from XXXX ( XXXX ). This needs to stop. This account is old and past the statute of limitations so why now is it being reinserted. Transunion needs to be held accountable for providing accurate credit reports. This is extremely damaging to my credit score. I have retained an attorney and if this account in not removed permanently I will be forced to pursue legal action against transunion and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Ad Astra has been falsely reporting information for 3 years. Ad Astra did not respond to a debt validation request within the time-frame as set forth by the Texas Finance Code and FDCPA. I have attached a timeline and PROOF in the form of USPS tracking and successful faxes. They have falsified dates with the intent to deceive. They have IGNORED Cease and Desist letters that I have sent. I have also disputed with Credit Bureau with no results. It is my assertion that the credit bureau merely take Ad Astra 's word and do not truly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 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 can you view the FCRA SECTION 609 AND SECTION 610 FEDERAL LAW? AND EXPLAIN TO ME AND THE FTC WHY YOU DO NOT FOLLOW THIS FEDERAL LAW? 
IF SO DO YOU GO BY THIS LAW YES OR NO? IF YES EXPLAIN WHY YOU HAVE NOT SEND ME THE ORIGINAL SIGNED DOCUMENTS THAT I BEEN REQUESTING FROM YOU FOR MONTHS ARE YOU AWARE THAT YOU ARE BREAKING HE LAW? PLEASE EXPLAIN THE LAW CLEARLY STATES ME AS THE CONSUMER HAVE THE RIGHT TO ASK YOU FOR THE INFOMATION PLEASE READ THE ATTACHED DOCUMENTS AND ANSWER ME AS TO WHY. THANK YOU THE LAW DO NOT SAY ANY THING ABOUT CONTACTING THE CREDIT IT SAID UNPON REQUEST CONSUMER REPORTING AGENCY THATS 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 2016-10-07 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: SC

Complaint narrative:
I sent Transunion a letter raising multiple issues. I included all the ID copies their web site said to. They sent me a letter saying my ID was 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 non-monetary relief
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services
State: IA

Complaint narrative:
I have disputed the issue with Clarity Services and with XXXX but have not received a final response. I would like to file a complaint against Clarity Services, XXXX XXXX XXXX, FL XXXX. On my XXXX credit report are XXXX unauthorized credit inquiries by Clarity Services. XXXX on XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. The other XXXX on XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX XXXX. I did NOT apply for these payday loans. I have placed a fraud alert and security freeze with Clarity Services. I have written a letter to XXXX requesting to have these fraudulent inquiries removed from my credit report. I have filed a police report as well. Now I would officially like to file a complaint against Clarity Services. I see that they were fined XXXX dollars in XXXX XXXX. Looks as if they continue to commit fraudulent practices against people. Thanks in advance for your assistance. XXXX XXXX

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

Complaint narrative:
TransUnion is reporting a collection on my credit report with XXXX XXXX in the amount for {$4100.00} for a XXXX account. This just appeared on my credit out of no where and I have never been sent a letter from them. This is only on TransUnion so it must be an error. Please validate and verify this account and then delete it form 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 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
i paid off the for XXXX XXXX and they need to remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have XXXX acounts on my TransUnion credit report that shows XXXX XXXX # XXXX show 60 days past due but it has been paid off and closed. The Status should say Paid off and closed instead of 60 days past due. The other account is XXXX XXXX XXXX is showing the same thing. Pay status should show paid off and closed as wel

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

Complaint narrative:
I have put in disputes through the credit bureau, as well as, sent validation letters to XXXX Collections. This is a false debt that the company is trying to collect on. I did not recieve any response from XXXX Collections in response to the validate or delete letter I have sent. I have also have not received sufficient evidence from the credit bureau that they indeed had the creditor themselves validate or delete the false account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There 's XXXX judgements that are supposed to be remove, it was vacated and resolved in XX/XX/XXXX, and XX/XX/XXXX, it was investigated and found paid for. The judgments should not be in my credit report. It 's even posted in my report. Also the fact that I 'm still located at the current address it 's also proof of payment been made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I went chapter XXXX bankruptcy and was fully discharged in 2014. I monitor my credit reports weekly and I notice that XXXX who was included in the Bankruptcy continues to contact the reporting agency 's each month reminding them that I was Bankrupt in 2014. It causes a red flag as my credit card recently alerted me when applying for credit. XXXX is the only creditor who does this and I believe they are allowed to continue to remind the agency 's since the case was discharged fully in XXXX 2014. I will attach a copy taken from my Transunion 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 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing an negative collection field on my credit report by XXXX XXXX Tax Lien for 2015. Tax lien was originally sent to old address. Recently it was forwarded to my new addressed via USPS. I immediately called XXXX XXXX Tax collector and paid the tax lien the day I was notified and requested they update address as I was not receiving tax bill. The representative I spoke with confirmed they had old addressed and would be sending out new docs with correct address, which I completed. He also confirmed that they did not report this to my credit, as account is now paid in full ( Removed tax lien, paid in full ). However, this is now showing up as public record/tax lien on my credit reports. Tax collector advise to dispute the 2015 reporting specifically with credit reporting as they are not reporting it. I am disputing this 2015 tax lien collection as account is paid, and tax lien should be removed as it in not accurate information 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 explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TRANS UNION HAD AN INQUIRY BREACH, MY CONSUMER REPORT SEEMS TO HAVE BEEN DIRECTLY EFFECTED BY SUCH BREACH.. TRANUNION HAVE INCORRECTLY ADDED INQUIRIES ON MY CONSUMER REPORT ... I WOULD LIKE THE FOLLOWING INQUIRIES REMOVED IMMEDIATELY 1. ) XXXX XXXX XXXX/XXXX/XXXX 2. ) XXXX XXXX XXXX XXXX/XXXX/XXXX 3. ) XXXX XXXX/XXXX/XXXX 4. ) XXXX XXXX XXXX/XXXX/XXXX 5. ) XXXX XXXX/XXXX/XXXX 6. ) XXXX XXXX XXXX XXXX/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 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I get an account with XXXX Bank with XXXX balance who supposed to be closed on XXXX and still showing open with all my XXXX credits 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 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I downloaded my free/annual credit reports. I chose to ask for a " free '' credit score from Transunion. I had to complete several pages of questions and no price was listed. I received the XXXX score, but I found XXXX charges totaling {$30.00} on my credit card statement. I called the customer service number within 24hrs ( XX/XX/2016 ) and told them I did not want their whatever service. The money was credited back to my account by XX/XX/2016. I notice on XX/XX/2016 that the credit had disappeared. I called again on XX/XX/2016 and they reaffirmed that the account was cancelled, but they would not return my money. I asked nicely nicely and quietly times, but toward the end of the conversation I called " Supervisor XXXX '' a liar, cheat, thief and she would go to prison and have her children taken away by social services. I also reminded her that I had cancelled the contract within 24 hours and she was " breaking the law. '' I doubt if she cared since it was blatantly obvious that she was not in XXXX XXXX. State, Federal, and their own policy allows me to cancel within an allotted time period which I did. I have a printout of the initial credit to my account which has now disappeared. I did not want their year long service and the cost was never listed and the " FREE '' disappeared. I was told that I received XXXX credit scores which I DID NOT RECEIVE. This is a deceptive scam and should be stopped. 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 monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX XXXX I called XXXX XXXX XXXX to request a credit card line increase. I was very specific and asked multiple times how the process works and if that would be a hard inquiry on my credit if I would request a line increase. The phone banker assured me several times that it would n't be a hard pull on my credit. A couple of minutes later I received an alert that XXXX XXXX XXXX pulled my credit. After reviewing my inquires from XXXX XXXX XXXX on my credit report I recognized another hard inquiry from XXXX XXXX XXXX. This inquiry was a result from my first line increase request. Both hard inquiries were done without my consent. I requested that both inquires are going to be removed. The phone bank Manager ( Name : XXXX XXXX ) did n't really take my issue serious he said that I will be receiving a call back by XXXX XXXX with the resolution. I am very disappointed with XXXX and at this point I can not trust in XXXX anymore that they will take serious action in removing those inquires.

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 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX, This account : 1. Is missing its balance history for the duration of the time the account has been open 2. Is missing Payment Data for XXXX, and XXXX of 2015 when this account had Payments ( Hence the open never late status ) 3. The recent Payment Amount is = XXXX, and should not be. 
4. Has erroneous comments added - to this and almost all of my accounts. 
Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in 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 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reviewed my credit report and it reflects correctly my good credit history. Yet my score has continuously dropped from around XXXX in XXXX 2016 when we finished a streamline VA loan refi, to today 's score of XXXX. Nothing has occurred in my credit since XXXX that would warrent such change such as having late payment, missed payments charge off or court actions, etc. However, my credit score keeps dropping Asverse my lines of credit get reduced for having lower and lower scores. A catch 22, my score was dropped then my line of credit is reduced which drops my credit line. 
I would gladly pay off my credit as it 's not that much. Except for a little issue that started in XXXX of 2016 : My veterans educational benefits have been recalculate as a result of this the VA has determined they over paid my school. So, VA has withheld my pay in XXXX, XXXX and again in XXXX, over {$8500.00} ( my school was only paid {$6500.00} ). I 'm just very confused by all of this. And still, I 've keep up on my payments. But this sliding score is causing a mess as we are trying to buy a home! I expect to see a score of XXXX any day now as time progresses.

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 2015-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Medical bill from when I was a teenager under my parents insurance. The medical facility billed me for it and reported it to the collection agency days after I turned XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called Transunion, XXXX, and XXXX to make sure my fraud alert was put on my file, Transunion and XXXX are the XXXX that are giving me the run around and said it was and I asked them about all the inquiries that I had no knowledge of and asked them why they took them off then put them back on again. I was told I had to contact the creditors directly and discuss it with them but all this was taken off and put back on she said by mistake. How is that a mistake?? I have a copy of the police report sent out to all XXXX credit bureaus. XXXX was able to take them off the same day over the phone but I feel like the other XXXX just do n't want to do their jobs.

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 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were credit inquiries resubmitted on my report that was taken off last summer due to fraud and they reinserted them without my knowledge or notification. 
The date is XX/XX/2016

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