vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-05 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:
There are inquiries on my credit report that I 've never actually applied for and some I 've never even heard of.

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 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
For nearly a month, TransUnion has been reporting a collection from " XXXX '' a/k/a XXXX XXXX XXXX on my credit report, tarnishing my name and making me unqualified to obtain an auto loan with XXXX due to this collection. 

I 've disputed this collection with reporting agency and TransUnion but TransUnion reported that the reporting meets requirements of the FCRA. IT DOES NOT. 

On XXXX XXXX, 2016, I called the original creditor of the debt, after investigating, XXXX XXXX discovered that the payment I made before my account was turned over to XXXX was credited improperly. XXXX pulled my account out of collections. 

The debt collector, XXXX companies, says that TransUnion is reporting the information on this collection account and they 've already requested to have it removed from my credit file. 

TransUnion is tarnishing my credit file and making me ineligible for auto financing. I demand they stop reporting this collection. XXXX and XXXX have n't reported on this debt in over 3 weeks and TransUnion says it meets FCRA requirements. 

I am willing to speak to the media about TU if necessary.

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 2016-05-06 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: OH

Complaint narrative:
When I enter my personal information to receive my credit report, I am told that there is an error with my social security number and that my information does n't match any of your records. I am certain that all of my information is correct.

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 2016-09-14 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: FL

Complaint narrative:
Not reported to Transunion because prompts do not give you option to leave complaint. Called Transunion at XXXX, gave all information as requested by prompts,. After properly entering information requested such as SS #, DOB, numeric street address, zip code, IVR declines providing report because " they can not find a report based on information given ". Tried 3 times, made SURE correct info given as requested, only to end with same IVR decline and advised to submit " written request ". Credt was declined on XX/XX/2016 based on information that doe not belong to me, I was a victim of ID theft twice in the last 3 months. I have never had any business relations with sources they claim were included as part of their evaluation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There 's a name on there that is not mine into addresses do not mind name is XXXX XXXX XXXX my name is XXXX and there at address is in there were XXXX addresses that are not mine XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX never lived in XXXX my name is XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13 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: NV

Complaint narrative:
all XXXX credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at XXXX XXXX XXXX and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit card

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 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i am a victim of identity theft. I have had these items removed 2 times and the bureaus keep reinserting them the companies are transferring them back and fourth to each other and the bureaus are putting them back. Also i asked for fraud alerts to be removed for a short amount of time in writing and they havent done so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX WAS PAID THROUGHA JUDGEMENT ON MY HUSBANDS PAYCHECK LAST YEAR. IT SHOULD BE MARKED AS JUDGEMENT PAID IN FULL OR SATISFIED OR REMOVED. TRANSUNION HAS INGNORED MY REQUEST TO CHANGE THIS.

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

Complaint narrative:
Hello I filed Chapter XXXX Bankruptcy and was discharged. I requested several times Transunions report and reason why inquires have not been removed from my credit report bringing my score down. I went from a XXXX to XXXX???? why????? I am tired of the credit reporting agencies reporting incorrectly and not helping me as a consumer rebuilding my life! They have not responded and its been over 60 days. I am unsure why they ahve not fixed this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed a Bankruptcy Item on my credit report with TransUnion twice. However, they continue to report this item as belonging to me. And the tell me to contact the Bankruptcy Court about the item. Yet, when I call the XXXX Bankruptcy Court XXXX tell me that they are not reporting this information to TransUnion. Also, TransUnion has not provided me with any evidence that the XXXX Bankruptcy Court for XXXX is furnishing them with this information. TransUnion also told me that they hire private venders to gather this information from the Court. Therefore, TransUnion is furnishing this information as hearsay because the Court is not furnishing them with a Bankruptcy item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion mailed me a copy of my report dated XXXX/XXXX/2015. On the first page TransUnion tells me if I find an inaccuracy on my report to dispute the inaccuracies online. When I try to do so I receive an error message. I contacted TransUnion at the phone number provided and have been told multiple times that my online access would be unlocked so I can process disputes online yet I still receive this error message. 

TransUnion is reporting inaccurate and outdated personal information on my report and is not allowing me to fix it. The following addresses are inaccurate : XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX TransUnion is reporting inaccurate and outdated personal information on my report and is not allowing me to fix it. The following telephone numbers are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion is reporting inaccurate and outdated personal information on my report and is not allowing me to fix it. The following employment data is inaccurate : XXXX and proof of address are attached for the processing of this dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have checked the credit score every Six weeks with XXXX on XXXX website which is from Transunion.com. Every time I checked it drops another XXXX points. This happens every XXXX to six weeks. 
I am never late, I do not have new accounts or new inquiries. I do not max out accounts. There is no logical or obvious reason for the drop except Transunion feels like taking XXXX points every time they feel like 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 explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have so many credit inquiries on my reports that i do n't even know these companies. plus i have a collection account from XXXX that is banned from fdca. i have called all XXXX credit reporting agencies and got no where. sometimes ever very rude. i hope you can 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 non-monetary relief
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have some unauthorized inquiries on my credit report from companies trying to run my credit without my consent and it has drastically hurt my credit scores. I would like these inquiries removed immediately. I should n't have any inquiries on my file at all. I filed a fraud Identity theft report in XXXX 2014 and sent all my documentation to the credit bureaus and they still have allowed this to happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The XXXX address is 18 yrs old. My address of record for the last 18 yrs is XXXX XXXX XXXX XXXX ny XXXX. Also my employer is The XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ny 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 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am current on my account with XXXX and have receipts to prove it and the company is showing my account is late and I 've missed a payment. I have spoken to the company but they have n't corrected their mistake

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently submitted a request for investigation of the following Accounts : XXXX # XXXX XXXX # XXXX. 
XXXX. # XXXX these accounts where disputed and never deleted. 
FCRA Act 609 ( a1 ) ( e2 ), 623 ( a1 ) violation please all accounts delete. 
This account is in dispute with the original creditor error please delete accounts. 


This which you DECLINED. I sent info for TransUnion or agent of TransUnion to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 

If you had investigated properly, no XXXX system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this.

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: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account appears on my record is not correct, this account was paid in full. The company is XXXX on my credit training report.. the collection agency is XXXX XXXX Ny 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 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a 30 and 60 day late notice on my credit that was reported by XXXX. I disputed with XXXX and Transunion but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... two years since I requested it to be closed. XXXX is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that XXXX could have provided a coutesy removal of late notices but did not contact them in time ... XXXX is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX but XXXX XXXX was unwilling to proect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19 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:
TRansunion has an account from XXXX XXXX and XXXX listed on my credit report. I have disputed this with them. I filed a complaint about the reporting company ( XXXX ) and they are not able to locate my account. How can they report this account but can not find me in their system. Sufficient information was provided. I have no knowledge of this account as I have never received any dispute letter as required by the FDCPA. How can Transunion allow a company to post something to my credit report without verification? Transunion has done this to me many times in the past and I have had to secure an attorney to help with this matter. If this is not corrected I will be forced to add this to the list for my attorney. I have attached my complaints with the CFPB where this company states that they can not find me in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was never formally notified about a store credit card account past due and it went 90 days before I found out what had occured. I then called the credit reporting agencies for guidance and they advised me to work it out with the creditor. I called and explained my situation several times and the last time we spoke they said they were looking into it. The next communication I received was a cancellation of my credit card due to non payment, in the middle of my dispute. I then tried to get resolution and find a way to get my account reopened but all they would keep telling me was to try to open a new account. No help at all. I was going to speak to a lawyer but thought I could work it out on my own. It was never resolved and I am still very upset. I later found out this was all caused by a {$6.00} credit card charge that I was unaware of because I was not receiving any statements!! I have boycotted the store ever since. I would like to get the credit card account reopened ( because of the long credit history I had with it ). And also, have the derogatory account status reversed. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Delbert Services
State: TX

Complaint narrative:
I received a voice mail from " investigator '' threatening me with sending sheriff to arrest and process me. He said he was sending sheriff to my job and/or home. I called number provided and agent said that they had called, sent emails and sent letters. I have not received them. I only received call today, XXXX XX/XX/2015. I live in XXXX and they said that there was n't anything I could do to stop XXXX from arresting me. I asked for date and place so that I could appear and face judge and he said no, I have to wait to be processed by XXXX 's office. They said they submitted paperwork in XXXX XXXX XXXX XXXX. They gave me docket # XXXX. Investigator called from XXXX and instructed me to call XXXX. I called a XXXX time and asked for address, they said XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Illinois.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is reporting a public record as a tax lien and not a tax judgement. I was told by New York that that it was a XXXX then a judgement. It is being incorrectly reported.

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 2016-12-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Today, XXXX XXXX, I noticed XXXX reduced my credit limit after Transunion reported to them that my credit score is much lower than it was six months ago -- XXXX points lower. And I have never been late on payments this year. Or last year. This is a travesty, and I will get a lawyer to sue XXXX, and Transunion for doing this repeatedly over the years. I have hired an attorney previously who managed to get my credit score increased across the board to almost XXXX. Now XXXX score is listed as : XXXX. Absolutely mind-boggling. I 've had it! Gon na take legal action now. But CFPB should intervene here.

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 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Received TRANSUNION credit file # XXXX dated XXXX/XXXX/2016. Continues to remark " BANKRUPTCY DISMISSED '' on XXXX XXXX XXXX account # XXXX and XXXX XXXX account XXXX TRANSUNION has removed these bankruptcy comments from other accounts

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 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I had a collection on my account for 7 years on all XXXX of my credit reports and when it was time for it to come off the company went and got a judgement against me. Is this even legal?

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