vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
All XXXX Credit Reporting agencies allowed XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX General Number ( XXXX ) XXXX Consumer Service Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX to make an inquiry on my credit report without my permission. I also have Fraud Alerts on my Credit reports to further protect myself. A request was made by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX, without my permission when they approached me about an Interest Reduction loan. I told them I would ask my wife about it. They requested a copy of my last mortgage statement so they could estimate what they could do for me. At no time was I asked for, nor did I give, permission to have them run a credit report on me. I contacted XXXX today and the representative, XXXX, stated that they are not required to verify identity unless it is a security freeze. I know for a fact that they charge a {$35.00} fee to run a report so they have something to gain by not following the guidelines. i.e., : fraud alert indicates to anyone requesting your credit file that you suspect you are a victim of fraud. When you or someone else attempts to open a credit account in your name, increase the credit limit on an existing account, or obtain a new card on an existing account, the creditor should take steps to verify that you have authorized the request. If the creditor can not verify this, the request should not be satisfied.

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 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion has failed to provide requested information regarding a Bankruptcy # XXXX listed on my credit report. I requested verification on who reported this Bankruptcy and have not received the requested information to date. It has been more than 30 days.

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 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My gas service company, XXXX XXXX terminated my service regardless of my ontime payments. My communication with them led to no reconnection. The account was paid off. They even issued overpayment refund. They are reporting 90 day late payment on Transunion and my dispute with both parties yields the same negative information reported over and over 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 non-monetary relief
Consumer complaint received 2016-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The information that 's on my file isnt being reported accurately per the Fair Credit Reporting Act 609 i requested contract and signature sign and date with accurate account balances from credit bureau that supposed to be in their files i have n't received any information

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 2015-11-26 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: CO

Complaint narrative:
I requested the report from Transunion last spring and though it docked me so it says i received it, it would not download. I recently requested my free annual report from all XXXX agencies and could not download them. Then I sent in a request following the instructions carefully over 6 weeks ago and still have not received them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union continues to list a, " Bankruptcy '', on my credit report which in fact is not correct. Please view the screen shot of another agency and they report, " Never Have filed Bankruptcy ''. I have asked them to correct the listing Via their web portal, but appears that they are issuing auto robotic responses that state it has been confirmed. How can it be confirmed if it never happened? 

Also, I think the time of the listing is past the 7 year allotted time. I am trying to qualify for a home loan and this is seriously damaging my ability to be able to qualify and it is incorrect to start with. I greatly appreciate your efforts. 

This is the screen snip from the XXXX reporting agency that states that I have not Bankruptcies, and shows the only negative reporting item is a Lien that I am in the processing of settling, that is mine. 
Thank you again for your help. 

I will uploaded as a document to show 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 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hello good evening I was just following a complaint against Trans Union credit bureau in a couple months or a month I have credit monitoring so monitors my credit I received a Trans Union alert saying a delete it XXXXinquiries or XXXXinquiries from my credit report and they were reinserted back into my credit report the next day this impact in my credit report.I call customer service on Trans Union and told and explain to them i was a victim of the inquiries.I have alerts saying that they were removed from Trans Union, customer service did not want to do anything about it so I 'm complaining with the consumer financial protection bureau. under section 611 anything that is removed from your credit report can not be reinserted back and transunion is to give you five days notice that is going to be back in your report they did not do that the violated the law and I explain that to the customer service and they did not care to do anything about 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 non-monetary relief
Consumer complaint received 2017-02-09 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:
Tranunion recently decreased my credit score by XXXX points after receiving certified requests for historical records. Transunion has also decreased my score by mass points twice in the recent past after filing disputes and complaints to BBB and to this agency. The exactness and timing is fact proven that their malicious actions are in reactions to the aforementioned. Regardless of which model is used XXXX XXXX or XXXX the deduction is recorded as a mass XXXX point reduction without just cause. The matter has been referred to legal counsel.

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 2015-12-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This reported item was a duplicated sent printer. I spoke with XXXX rep who told me to decline receipt upon arrival, which I did and carrier took it away immediately. Obviously, XXXX failed to remove this double shipped printer from my credit card. I called to confirm this was removed and was told that it was. This is an erroneous charge and needs to be removed immediately. The credit card from XXXX has since been canceled. Please have this removed immediately as it is affecting my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Good morning, I would like to get the hard inquires removed from credit reports. Can you guys assist with this? Some of these are old and are affecting my credit score. Any assistance that you can provide is greatly appreciated. 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 2016-06-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I sent a dispute letter to Transunion in XX/XX/XXXX regarding incorrect accounts. I received a report back XX/XX/XXXX all verified through automated code. I sent 2 more requests for reinvestigation and method of verification. I sent them both through certified mail and they were received XX/XX/2016 and again XX/XX/2016 and I have not received any additional information. There has not been any verification. These accounts need to be deleted 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 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I had a loan with XXXX XXXX XXXX XXXX opened XX/XX/2009. The account was charged off and the status was closed derogatory. I checked my credit report this month and the status has now been changed to Open-Derogatory. I called XXXX XXXX to see why they changed it to an open status, and they said they did not, and they are reporting it to the credit bureaus as closed. This has made my score drop almost XXXX points.

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 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion would not change information after disputing account several times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I have a second mortgage that was sold to GreenTree by XXXX XXXX XXXX. Since being past due due to financial difficulties I requested to have I the mortgage loan refinanced. As part of the over the phone interview processed I was asked to provide my spouse income. I explained to the Green Tree representative that my husband is not on the current loan and that I did n't want to use his income for the application process. Only my income which has always been the case will be used to repay the loan. Being in banking I feel that this violates Regulation B __ECOA ( 12 CFR 202.5 ) regarding rules regarding the request for information about a spouse. The Green Tree representative refused to take my application since I would not disclose my spouse income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 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 have disputed numerous accounts on my credit reports and they would remove them because they could not be substantiated or the information was wrong. I go back and check it again and they have put them right back on my credit reports. 

One in particular is CASH - one month they state I owe them {$1400.00} - then all the sudden it went to {$140000.00} - I called to dispute and they did remove it but turned around and put it back on their this month!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 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:
Around XXXX 2014 I applied for a loan with XXXX XXXX XXXX XXXX ( XXXX ). Unbeknownst to me over the next few months ( XXXX ) continued to request copies of my credit reports from the XXXX major credit reporting agencies through XXXX/XXXX. Some of the request were days apart. Once I found out about the excessive credit inquiries I requested the credit reporting agencies to delete them. I also asked XXXX/XXXX to have them deleted with negative results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I disputed the below accounts with Transunion on XX/XX/2015 but they never responded to my disputes. I disputed that the following accounts are not reporting correctly. 
XXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX & XXXX BANKXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 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 have disputed all of these items along with the inqiries and the credit bureaus did not address my issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Negative info is about an account with XXXX which I never open never asked and never sign a contract with them and I never used their service. The amount is $ XXXXXXXX negative is about an utility bill for {$68.00} for a rental that I never received and I payed after I find this in my credit report.Ater the payment I ask the collection agency to change the info in the credit report and mention that was a mistake as a result of miscommunication. 
They refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
i being threatened by pressler and pressler from XXXX til now XXXX i almost lose my child in XXXX from them threatening me every day i just over it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I started to file bankrupcy but decided not to so i never went to court and it was dismissed. I looked up each credit agency and followed the steps to dispute it several times, but never got to the submit! I have tried for a couple of months now. if the bankrupcy was dismissed it should not show that i went to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted supporting documentation to equifax and the other XXXX credit reporting companies in regards to XXXX accounts that are reporting as potentially negative. I contacted equifax because I received an e-mail that my results are ready to view. Upon clicking on the results nothing was there. I called equifax again to re-dispute these XXXX accounts. ( XXXX ) as they are to be listed as accounts that are in good standing and the degratory remark to be removed from the reports. Equifax tells me that it is still in dispute. I question how this can still be in dispute as I received confirmation that the results are ready. They will not let me re-dispute this incorrect information. The letters I uploaded from each account states to update my information because I contacted them directly to correct this information. I am getting nowhere again and my score keeps going down. I am trying to obtain credit for a car loan and having this incorrect information on my credit reports is affecting me in obtaining credit. I ca n't even view my report online I keep receiving an error message and tells me the address where I can write to them. I have sent letters/phone calls etc trying to clear this up. I am complaining because this has been going on for months and it should have been corrected by now especially when I have supporting documentation straight from commenity bank who holds these XXXX cards ... .. ( XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am contacting your agency because I have sent Equifax letters of dispute informing them that the tax liens showing on my credit file do not belong to me. I have contacted the IRS and other government agencies that stated that they do not have any liens under my name or Social Security Number. I need your help in getting these Tax Liens removed from my credit file. These Tax Lien is showing that they have been reporting as early at XXXX. Please help me in getting Equifax to remove these liens from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
victim of identity theft, never lived out side of XXXX before 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the same XXXX ( XXXX ) derogatory entries with Equifax XXXX times and I have only received resolution to XXXX of the XXXX disputes. While taking 9 months of submitting the same proof over and over, ( which obviously was correct since Equifax finally removed XXXX of them ), I still have XXXX inaccuracy outstanding. Second, Equifax has breached my privacy by providing my statement and credit information to someone who is a complete stranger to me. Equifax has sent my credit report information to an address that I have never had on file nor lived at in my entire life. They have also attempted to bamboozle me and dupe the public by providing me and other innocent consumers an address for their corporate office for filing a dispute that is not accurate. I have pictures to prove they are handing out a wrong credit dispute address for their XXXX and to prove that they have mailed my personal information to someone else 's address and not any of my last XXXX addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I never received any bills nor any calls as the dealership incorrectly attached my old address and phone number to my account when they submitted it to the finance company. ( I previously bought a car with them before buying another XX/XX/XXXX ) I has an issue with the dealership for selling me a car with bare tires when per contract it was supposed to be Certified. This was corrected in XX/XX/XXXX/XX/XX/XXXX and I was told I would get a refund on my insurance that I bought and I would not have to make a payment until the tires and bearings were fixed. I have made a payment every month. I have never been late. I relied on the word of the car dealership and now my credit report shows that I have been late paying for about 6-7 months. I just received confirmation that these late payments were taken off of my Equifax report. These are affecting my other reports as well. I have been fighting this for some time now. If there is anything you can do to get this straightened out on all of my reports, just let me know. I appreciated any information or assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have a security freeze on my credit report with Equifax. I have misplaced the PIN to lift the freeze, and would like a new PIN. I sent certified letters on XX/XX/XXXX and XX/XX/XXXX requesting a new PIN, and included copies of 2 forms of ID. The response to my first letter was a form letter stating they could not lift the security freeze without my PIN. The response to my second letter was a form letter stating they had updated my current address within the last 30 days. ( I have a copy of verification of the initial security freeze dated XX/XX/2014, and it includes the address they claim to have updated within the previous 30 days )

Company response to consumer: Closed with explanation