vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX has reported to the credit bureaus I was late 120-180 days mortgage payments for each month in XXXX XXXX. Contacted them and they asked for bank records that dispute their reporting. I provided it XXXX/XXXX/XXXX and they responded that they were not going to change their reported although the bank records indicated I was on time and actually a month ahead by mid XXXX. They suggested we take it up with the credit agencies. This has not only impacted my credit score buy my ability to secure another home. Currently trying to contact TransUnion, XXXX, and XXXX to mitigate the negative situation. Numerous attempts with XXXX failed to achieve any resolution. Will never do business with them again.

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 2016-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
My name is XXXX not XXXX I did n't know that person

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 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE REASON FOR MY COMPLAINT AGAINST TRAN UNION STEMS FROM TRANS UNION FAILURE XXXX INVESTIGATE XXXX FRAUDULENT INFO THEY PLACED ON MY CREDIT REPORT.XXXX HAS FALSIFIED MY CREDIT REPORT BY CLAIMING MY XXXX IS IN COLLECTION XXXX HAS NO DEBT COLLECTION LICENSE FROM DCA SO THEY ARE BREAKING THE LAW.IN ORDER 2 DEBT COLLECT IN XXXX YOU MUST HAS A LICENSE..

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 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX BANK WAS PAIN IN FULL NEVER LATE CLOSED BY USER. I CALLED BOU THIS AD WAS TOLD IT WOULD BE UPDATED- IT NEVER WAS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit reporting agency does n't want to erase old information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I found this address on my credit report and i have never stayed in Colorado i think somebody trying to open an account using my information XXXX, CO 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 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a state tax lien from Georgia that was paid and withdrawn in 2008 but XXXX and Transunion WILL NOT remove it from my credit file and it is showing as a derogatory public information. I have sent them court evidence from Georgia stating that the lien was withdrawn. It has impacted my financial security and stability for the past 3 years and I am of limited means and this is very frustrating. I am asking XXXX and TransUnion to please remove this incorrect information 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 non-monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been in the process of disputing an account on my credit report that was sent to XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX XXXX, XXXX . XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX. They have Re-Aged this account from the Date of First Delinquency ( DOFD ) which was XXXX. My attempts to settle this matter with TransUnion have been unsuccessful. My attorney at XXXX XXXX ( XXXX ) XXXX sent a letter to TransUnion with no success. All the CRA did was send me a copy of the account that remains on my credit report stating it was placed for collection on XXXX/XXXX/2014. After I received this I contacted TransUnion to inform I would like a copy of my Consumer Disclosure File, which I am entitled under Section 609 ( a ) ( 1 ). This is a more comprehensive report which will show the complete history of my accounts. I spoke to the supervisor, by the name of XXXX, who stated that there is no such report and I am not entitled to it. I understand that is illegal for them not to provide this to me. I have also filed a complaint with the State Attorney General 's office in California. I would like resolution concerning this matter. TransUnion needs to immediately remove this from my credit report. I also feel they should be fined for this illegal activity.

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 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are 3 addresses listed, I only know of two. The XXXX address in XXXX, Mi I have no idea where that 's located.

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 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX has an authorized inquiry for XX/XX/2016. There was already an inquiry on XX/XX/2016 from XXXX. This a duplicate unauthorized inquiry.

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 2016-02-27 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Calls 4-5 times a day, leaves a message not saying who they are, and when I do answer they do n't say who they are and ask me to hold to talk to someone after talking to someone. I get calls at random times of day Monday - Sunday. Even worse is my loan is t late. They call for payment on a loan that is current.

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 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am XXXX XXXX XXXX and have over 30 years of credit history however recently, data being sent from TransUnion to XXXX and XXXX is saying I do not have sufficient credit history which has caused a loan to be declined and another loan had to be entered into at a higher interest rate. 

I contacted TransUnion and they said I need to bring this to the attention of the financial institutions in question however I feel that TransUnion should take ownership of this because XXXX separate financial institutions are receiving the same incorrect data from TransUnion. 

I have attached a declination letter from XXXX and the XXXX site print screen as support.

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 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion credit reporting agency is reporting addresses that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent transunion proof of my name change and they have not changed it in their records. My name is XXXX XXXX XXXX and they still have me as XXXX XXXX. The XXXX purchased what I thought was supposed to be a membership for {$21.00} and instead they claim I only purchased a 1 time credit report and score when the membership is only XXXX per month. So after buying this one time credit report and score and seeing my name is not correct, I called them and told them my name was different as I have several times before. The representative did not help me with changing my name so I asked him why my credit score changed and he gave me several invalid reasons that did not pertain to anything on my credit history or with my credit situation. My credit score went from a XXXX last month to a XXXX this month with changes to my report or loan payments and no explanation. Transunion representative behave as though they do not care about the consumer and make decisions towards consumers without reason and it affects them negatively. I 'm not understanding how a company that consist of what seems like all foreign people are allowed to make decisions about consumers in a different country.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Dear Sir/Madam, I am writing to complain about the AMEX XXXX Preferred Guest Credit Card. Seeing the pre-qualified offer that spending { {$3000.00} } within the first 3 months I can get XXXX Starpoints, I applied for this card XX/XX/2016 through the link online. I spent { {$3800.00} } in the first 3 months, which is much more than what the offer requires but I never get the XXXX Starpoints till now. ( Detailed statements for the first 3 months are attached. ) I reported my situation to AMEX several months ago and tried to call the customer service tens of times but each time I got the same response that I need to wait for 6-8 weeks for reviewing without knowing the reason. I think I am definitely qualified for this offer and at least XXXX AMEX customer service representatives already confirmed that I am eligible to receive the points but they just do n't give me the points and let me wait. Therefore, I am hoping that AMEX can give my Starpoints that I deserved ASAP. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been disputing incorrect information on my transunion credit report for months now. I just checked my credit score and it went down again. I keeping submitting substantial confirmed information from XXXX stating that my XXXX and XXXX are current and never late. These XXXX accounts are reporting with a degratory remark which was suppose to be removed. These XXXX accounts should be reporting as accounts in good standing. right now they are reporting as potentially negative. This information is incorrect and I am constantly calling transunion and sending in these letters from commenity bank that this information is to be corrected. Transunion keeps telling me it 's under investigation then I am told it is reporting correctly. This information is wrong. Again my XXXX and XXXX should be listed as accounts that are satisfactory. I am being pressed to seek legal action against transunion as this incorrect information is affecting me in obtaining credit. I have spent hours upon hours sending these letters calling transunion and nothing is changing but my score going down.

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 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had received a letter from my previous employer about a data breach. I submit a request to Transunion to delete addresses on my report as not mine and they would n't. I provided my current bank statement and a utility bill with my current address and asked them to change my current address and delete the previous addresses as they were n't mine and they would n't delete the address below and it needs to be deleted as it is n't mine. 
XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans union has closed my file before I am me and XXXX here we go again. They do n't need proof of anything they have it. here are my list of problems with them 1. CA state tax liens there are XXXX of them they keep verifying them they pad and released but that 's not the issues the problem is the dates the amounts and who they belong to. I want the method of verification I want to know who you speaking to and at what number you contacted them I want to see all paper that was included in that verification and just saying the court is not good enough because it does not meet FCRA standers.2. The being verified I am requesting method of verification such as filing dated dismissal date what was included in the BK address used in the filing and whom you spoke to and when you spoke to them and at what number so I am to talk to them in regards to your verification Well that brings me to the number 3 The federal tax liens you have it all wrong the dates the amount whom they belong to and that they are withdrawn given that again I am requesting method of verification it is my right and your duty to provide me with this information or remove it under the FCRA they also are reporting XXXX collection accounts from XXXX XXXX XXXX this company is being reporting illegally on my credit and this company has been reported to the HHSS. GOV because of hippia violations and they are now involved in that 4 they are also reporting XXXX and they agreed to be removed through this web site

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 2016-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
the listed personal information is incorrect and needs to be removed and changed. 

The information on CDL is current and correct. 
and my employer is self employed at XXXX XXXX XXXX XXXX XXXX ca XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filed an dispute with Transunion on XXXX XXXX XXXX, and XXXX XXXX XXXX and advised TransUnion that the following hard unauthorized inquiries were not initiated by me and the creditors did not have an permissible reasons to place these unauthorized hard inquiries on my file. I requested that TransUnion provide my authentic signature for these unauthorized hard inquiries or delete these authorized hard inquiries deleted of my file. 
file. Transunion never responded to my disputes. 

XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX via XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX - XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : 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 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
well XXXX month ago I found out a car that I co-sign for was very delinquent so contacted the creditor a settlement they refused and demanded full payment I did not have XXXX so I felt I should do the right thing and make payments because after all I did co-sign for the loan. The payment is XXXX which I do n't have and it has really put a undue burden on me. I wait for XXXX month and requested the creditor to update their credit files, because the report is now showing inaccurate balance and this is very misleading informationI, I was told the only way they will update any payments to this account if it was paid in full. ( balance ca n't be correct ) therefore i had no choice but to requested Transunion to remove all the inaccurate and misleading information from my credit report these inaccurate details have adversely affected my credit worthiness and hampered my chance of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ) I demanded transunion to re-verified and removed the inaccurate information. I provided them with prof of payments. I continue to send payment each month. They refuse to remove the inaccurate information this is damaging me severallythis is clearly a violation of the FCRA credit reporting act I provided prof of payment and the creditor is still saying owe the same amont of money there is clearly something wrong herethere 's discrepancies in the amount owe therefore by law it should be removedfor the according to the FCRA it should be totally removedthe company can not refused to update clients account if they are receiving payment this does not comply with the laws they are in total volition of the laws of the Fair Credit Reporting Act

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 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:
I paid off my collection not only for the original amount but they charged me additional amount to have it removed and it does not show paid or has it been deleted. I have called their company XXXX XXXX XXXX XXXX several times and they tell me they will report it again and it is never done. I need this off my credit report as I 'm working very hard to get me score back to good. As you can see I have no late payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Updated medical insurance information was submitted at the time of the office visit but the information was never forwarded to their billing department. Doctor 's office sent the bill for collection. I had paid the copay and since my address also had changed, I did not receive any notices of the bill not being paid and was unaware that there was a problem. Doctor 's office cancelled collection on XXXX/XXXX/15, more than 30 days ago, recognizing that the error was theirs..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal TransUnion credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If TransUnion is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!

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 2016-02-23 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: TN

Complaint narrative:
On XXXX I requested my free report from TransUnion. I have only received stall tactics and no report. Please send my free credit report.

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