vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi, My Name is XXXX XXXX. I am having problems with XXXX XXXX of XXXX, Ga filing incorrect information on my credit. I took out a loan with XXXX XXXX years ago and paid half the loan before being forced to file bankruptcy in 2006. XXXX XXXX reported incorrect amounts to my bankruptcy lawyers saying that I still owed the total amount borrowed instead of half. My bankruptcy lawyer cleared the mistake up. Since filing bankruptcy and also being discharged XXXX XXXX has continued to file against my credit as if I had never filed bankruptcy and as if I totally defaulted on all my payments. I personally stopped by XXXX XXXX in XXXX and spoke with the owner. He was horribly rude to me. I told him that he was still filing defaults on my credit despite the fact I filed bankruptcy. He said, " Oh Well! '' I said sir, " I will take this to court if you dont stop! '' He said, " See you there! '' It has now been over ten years and this man is still filing negative reports on my credit. He has totally ruined my credit score and is causing me to have to pay a higher interest on my car loan. I have had to personally hire XXXX XXXX XXXX services to assist me in disputing these false defaults of payment. XXXX is currently working towards this and they had a credit advisor call me today. The advisor said that not only should XXXX XXXX not be making these reports due to bankruptcy but it is unlawful for them to even be reporting on this any longer due to the length of time it has been. XXXX directed me to your sight and advised that I file a complaint on this matter and if the problem persists that I seek legal help. Thanks for your time and looking into this matter for me. 

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 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Transfer union reinserted previously deleted information. 
There was glitch in their system that violated the rights of consumer under section 6,11.As a result, I have been affected and my score is suffering.no notice was given.I am requesting all inquires 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 2017-03-22 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:
XXXX violated 15 U.S. Code Section 1692 the Fair Debt Collection Practices Act, they are not a creditor they are a debt collector. 
XXXX XXXX, XXXX a complaint was submitted with Consumer Financial Protective Bureau Case number : XXXX for that violation ; They also violated 18 U.S. Code Chapter 63 - MAIL FRAUD AND OTHER FRAUD ; 18 U.S. Code 1341 - Frauds and swindles ; Received a XXXX for Principal Dwelling Note Account Number XXXX postmarked 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 2016-08-22 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: CA

Complaint narrative:
I had attempted to get my credit report and to dispute things on my credit that do not belong there or enter a description of my response. I was not allowed to obtain my free annual credit report, was notified to call an XXXX #. I have tried going directly to the Transunion website, whom I 'm having an issue with, and received the same message. Called the number they provided and was told to call a different number as my report was with the fraud unit. I called the Fraud Unit, so difficult to maneuver there phone system, tells you you can apply for credit report by entering your info and a report would be mailed to you, that does not solve my issue. I called the 1st number again and was told to just enter my case number when the recording started. Tried this and after a while was finally able to get through. I explained the above and he wanted to send me to the online issues department. That is not the issue, it lies with the fraud department, I am locked out of my report, except for using XXXX XXXX that is, have no problem getting in to my report that way, just still ca n't dispute anything. Had to explain this issue 3 TIMES for him to understand what I was saying and then just tells me he ca n't do anything. This is NOT OK, this is my credit report and I have a right to dispute or comment on any item on my report. They can not REPORT things when they could be from a malicious source. I am a victim of tax fraud and just recently found out that my home network has been compromised. I have not been diligent enough in the past to keep up what was being reported but now I want to take care of my credit report but I am locked out and am being told there is nothing I can do, except for give him the information I want to dispute over the phone, NO!!! I have no idea what he is going to be doing or typing on the other side or have the assurance that it will be handled exactly how I wish it to be 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 non-monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom it May Concern : I have an ongoing issue with TransUnion. Macys department store placed XXXX identical negative reporting on my credit file. In fact it only applies to TransUnion. 

Macys account contained around {$200.00} in unauthorized charges that they never investigated and now it grew up to {$700.00}. I have tried to check my account online, but it transfers me to XXXX credit cards. When I enter all the info - it says they have no info about such account existence. I contacted XXXX - no response. 

So I am tried to dispute the accuracy. As a result- they placed XXXX more negative report on my file. So now my report contains XXXX negative identical reports for the same XXXX thing. 

I tried to explain this to Transunion - included screenshots, sent copies from other credit bureaus, showing that the account numbers are the same and amounts/opening/closing dates are the same. Nevertheless, they sent me the same " updated '' report, saying thank you for the concern, both negative reports will remain on your file. 

So at this point I will be filing the complaints with Government agencies, to see if you could help me with it. I dont know if TU does not investigate the cases, or they have too many incoming cases to review, that in the end they dont even review anything at all. Or just the poor training of investigators. 

I have copies from Transunion if CFPB needs in order to pursue the investigation. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Many of the credit items and inquiries are not mine. I am and have been working XXXX since 2012. I have only opened XXXX account XXXX. I tried to dispute the other items but the credit agency said they are mine. Completely incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 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 continues to include the XXXX of my XXXX student loans in my credit report. They have deleted the derogatory remarks but any information re XXXX student loans should no longer be in my credit report. I defaulted on these XXXX loan back in XXXX 2007 thus it should not show up in my credit report. 

XXXX no longer shows any information on my XXXX loans. Neither does XXXX. Only TransUnion does.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian in my FICO score continues to report incorrectly that I defaulted on a mortgage. I have never defaulted on any loan. The credit union that issued the mortgage in question has reported twice to Experian that the mortgage was never in default. Experiancustomer service refuses to address FICO scores or refer me to someone who will. Complaints result only in an offer to sell me the FICO score. This failure to correct the record interferes with my ability to get a new mortgage on favorable terms and damages my personal reputation.

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 2016-06-21 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: OK

Complaint narrative:
Long ago I froze my credit with all XXXX bureaus. Last night I went online and did a temporary thaw at all XXXX bureaus. 12 hours later Transunion shows I have a " lift pending '' and my lender is unable to pull my report. This is unacceptable, my report should be available seconds after I provide my pin and pay for the lift. That is what happened with both XXXX and 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 2016-07-21 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: NY

Complaint narrative:
I am submitting this complaint about transunion. I have disputed several things on my credit report and I keep getting letters stating they need additional time. To my understanding I am to allow 30 days for a company to respond. If they do not respond within 30 days it is to be removed. I tried going online to view my transunion credit report and it will not allow me to do so. I also called several times and am always re-directed as my credit file is in with the identity theft dept. I keep getting an answering machine. I am trying to get my updated credit report to make sure this incorrect information was corrected. Yesterday XXXX/XXXX/16 I received another letter that they need an additional 15 days. Last month when I was able to get online I kept disputing the same information. Usually if something is under investigation you ca n't dispute it. The system kept letting me dispute the incorrect information that tells me that they are not investigating my dispute. I am trying to obtain credit and with all this incorrect information on my report is making it difficult for me. My credit score according to XXXX is very low. Something is def wrong because my score should be going up not down. I ca n't get a report nor get to speak to anyone so I am submitting this complaint because I have no idea what my credit report looks like. I also have been trying to dispute XXXX deragatory remarks from XXXX that also is affecting my credit score in a negative way. I was told under legal counsel that these XXXX remarks for XXXX account is unheard of and if anything only XXXX negative remark should be reporting. I was told under legal counsel that this is to further affect 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 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit report is showing that I owe XXXX ( student loans ) the entire balance of my student loan, {$2700.00}. The statement reads that I have not paid a cent of the money back. Payment was late from myself to XXXX, but now has been paid in full. I owe them {$0.00}. Any attempt to work this out with the loan company has not only been unsuccessful, but downright hostile. I made a mistake in being late, but ultimately owned the problem and repaid my debt. I just want my credit report to reflect the fact that I eventually paid them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my credit information and notice an error on my account from an apartment complex I stayed in years ago. The complex back then was called " XXXX ''. I had email correspondence with the complex regarding my concerns dealing with the apartment before I moved out and was reassured I had nothing to worry about because those issues are not mine and on the complex. I am looking at my credit report and see a charge for XXXX that should n't be there because we left out with a walk through completed and was stated that we had nothing to worry about. We were also given back out security deposit as well when we moved out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is an account listed on my Transunion credit report as XXXX XXXX XXXX XXXX. This company is re-agiing the debt so that it stays on my credit report longer. There has already been accuracy issues with the account and it was properly removed from my XXXX file. I have disputed the re-aging issue and Transunion has not resolved the issue. They sent a letter stating new information below, which has not addressed the issue.

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 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, XXXX please help me remove these from my report? 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The account from XXXX does not belong to me I have disputed to no end but no help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have the same bill reported XXXX times on my report. 
Act # XXXX & XXXX are duplicates. 
Med XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX-XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 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:
The information is from my father 's accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was in collections with " XXXX '' and XXXX for some time but since then I have paid it in full, Transunion still says it is in an open status. It 's 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 explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are incorrect names and a address that I have never lived at, not even in that town.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian refuses to deal with these issues of fraud

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 2015-06-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
There are multiple debts form XXXX collection agency listed on my credit report. Experian is the difficult XXXX. I disputed with XXXX I was not notified of the debts or collection accounts and they removed them. Experian, even when told the same cause, will not, even when I tell them the collection agency never notified me of these debts and I was not aware of them ( as an option to chose from XXXX they still keep stating it is my debt and wo n't remove it still. I tell them I should have been notified, nobody is proving if I was or was not notified in any way giving me a chance to review the debts and respond to them before they went to my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had reported to experian that I had reports on my credit report that was not accurate and was doubles and so on. They have yet fixed it or given me any response other than XXXX out of several. I had reported these issues more than thirty days and they have failed to fix it. I am trying to buy a home and this is hindering me from doing so.They are over XXXX points off from the other XXXX. 
My name is XXXX XXXX XXXX social # XXXX DOB XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed for BK in XXXX 2012, but I decided I did n't need to go through with it! Experian refuses to remove this item! I have disputed it two times! They keep telling me it was discharged and it clearly was dismissed, it says that on their own report on me! Please help!

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 2016-12-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Credit report continues to show duplicate accounts that will not be removed. After running the Experian score simulator the results indicated if I make my payments on time for another 20 years my score will still be XXXX poor? There reporting is so invalid. The credit card companies XXXX, XXXX just pull hard inquires whenever they feel like it XXXX for XXXX application. I give up ... As soon as the computer system was able to log disputes the reporting agencies employees became even lazier than before, they just wait 25 days and update with the same incorrect results. They contacted a closed business for verification? Yeah right. Its all scam now, as soon as you log in they want your money to upgrade to this and that and they are in cahoots with the credit card companies that pay them to advertise.

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