vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-14 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:
I Have disputed a fraudulent account which went into collections with Trans union over XXXX times. Each time they claim they verified status and they keep saying they have not received the documents I uploaded via their own websites and also that i faxed to them. I have letters from both the collection agency : XXXX XXXX XXXX and the original creditor XXXX. XXXX XXXX has also submitted a XXXX and it is not getting updated. I would like this removed from my credit report however I am tired of disputing it with trans union. Fortunately I provided the same proof for XXXX and XXXX and they removed it also immediately.

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 2017-03-17 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:
Trans Union keeps reapplying this us bankruptcy ct FL XXXX to my credit file It is not mine And no phone number and No address that can be verified Also no claim amount listed and no liability amount I keep disputing it but experian keeps refusing to investigate

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 2016-10-13 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:
This account belong to a third party. I DIRECTLY CONTACTED XXXX Hospital in 2014. IT WAS AGREED THAT THE INFORMATION WOULD BE REMOVED AND NO OTHER FOLLOW UP WOULD BE NEEDED. Trans union continuous to retain the negative information. This has caused me to be rejected for Loan Opportunities. This has to be permanently removed from my credit history.

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 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report has an address in XXXX California where I have never lived. I have only lived in XXXX California in XXXX, XXXX XXXX, XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My report seems to have several new hard inquiries from XXXX XXXX and XXXX that I never authorized ( and most are from companies I 've never heard of ). Additionally I 've been associated with XXXX new employers as of XXXX XXXX and that is incorrect as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
again these people do not provide accurate information to me and did not help me please help dispute the items that they say that is on my credit report i have told them that my information is not correct an they still would not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 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: LA

Complaint narrative:
I went to XXXX to get my report. The Transunion questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Transunion is reporting XXXX invalid / cancelled XXXX XXXX, GA property tax liens on my consumer credit report. They refused to remove these items in the dispute process, despite proof of cancellation and the fact that the property in question was already surrendered and bank owned at the time the liens were placed. The XXXX XXXX XXXX Court and Tax Assessor 's Office has cancelled all liens in my name - I have provided documentation of this as part of my complaint. 

The state of GA does not require courts to report cancellation of liens to credit bureaus, and all of my efforts to resolve this matter directly with Transunion have been unsuccessful. Transunion refuses to consider any additional dispute of this information, and plans to keep these invalid, cancelled tax liens on my credit report for up to 10 years from the date of 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 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
MY XXXX ACCOUNT IS PAID IN FULL PLEASE REMOVED FROM MY HARD CREDIT INQUIRY 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 2015-12-16 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:
I am a victim of identity theft and theres hard inquiries that are not mines and i been calling all the credit companys for them to take it out to take it of my credit and no body take it out so i need to take it out and asking or ur help because this situation is affecting my credit and there are n't mines thanks any information you need you contac me by email XXXXXXXXXXXX thanks

Company public response: Company 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: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I try to challenge transunion reports and their website is constantly down. I am sure if i was a paying customer that site would be open. This is repeatedly going on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My wife and I recently sent the attached follow-up letter to Trans Union. We were following up with them because it had been over 45 days since we had requested credit investigations. To date, we have still not heard from them.

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 2016-06-06 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:
I 'd like to file a complaint against TransUnion for violating section XXXX Of the FCRA. On XXXX XXXX, 2016, I filed a complaint with TransUnion for reporting inaccurate information. TransUnion verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent XXXX TransUnion and all the data furnishers listed below the required letters & I have not received anything from any of the companies. I 've further sent TransUnion request to remove these items for lack of response & they 'd ignored my requests to remove the tradelines which I know are inaccurate. TransUnion is now violating section XXXX, XXXX & XXXX & I 'd like these accounts removed immediately. I 've attached all correspondence for your internal investigation.

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: PA

Complaint narrative:
In a nutshell, I had a XXXX bankcard credit card years ago. Hit somerough times and could not pay, on time. I asked that account be closedI was offered a settlement. I was told that if I paid the agreed amountthat the account would be reported as " Settled in full '' to the creditreporting agencies. *SEE ATTACHED LETTER dated XXXX/XXXX/2013 XXXX. I paid them, per their terms, and received confirmation of acct. 
was settled. Two years later, while reviewing my credit reports, I seethat all XXXX CRA 's are reporting this NOT as " Settled in Full '', as were theterms, but are reporting : " charge off '', no mention of any settlement, and " settled for les than full balance ''. THIS IS NOT THE SAME THINGAS THE XXXX WORDS I WAS PROMISED- " SETTLE IN FULL ''. I did nonot agree to " settled in full, for less than full amount '', or any similar term. 
I called XXXX about this last week, and was told they have nothing to do with how the XXXX CRA 's report on this. This was a bold lie, as XXXXwould be the one to give the information out to TransunionXXXX. 
to release the information concerning payments.

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

Complaint narrative:
I AM PROVIDING A COPY OF THE NECESSARY DOCUMENTS REQUIRED FOR A IDENTITY THEFT REPORT PURSUANT TO THE FCRA 605B.

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 — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Years ago I lost my purse that contained a lot of pertinent sensitive information. I have XXXX hard unauthorized credit inquiries from XXXX ( in 1 year! ) and an unauthorized hard credit inquiry from XXXX XXXX XXXX on my TransUnion credit report. I have been in contact with TransUnion informing them that these were unauthorized credit inquiries and that I wanted them deleted from my account. Transunion stated for me to reach out to the Creditors and request a deletion letter. The creditors informed me that they do n't do deletion letters and do n't even have a way to process them anymore that the credit bureau would have to call them. I have been back and forth between the credit bureau and the creditors but to no avail they keep pointing blame at each other. As I have been consistently checking on this I noticed that in XX/XX/2016 on my TransUnion credit report these items had been deleted but reinserted later on without giving any notification. I spoke with the TransUnion supervisor informing them of this and they stated that it was a glitch but informed me that I still would have to speak to the creditors to get a letter of deletion before hanging up on me. I would like for this to be permanently removed from my credit report due to reinserting it back on my account and being an unauthorized inquiries.

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 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have disputed with TransunionXXXX, about their practices of putting stuff on my credit report. I wanted proof from all on how they verified that these accounts belong to me. I have instances where XXXX of the accounts stated they only verified that XXXX digits of my SS # and the debt was listed on all XXXX of my accounts. I only proof that I will accept from all XXXX of these credit bureaus is a signature showing my name where I requested credit from each of these debtors. Using the XXXX digits of my social security is not enough. If they ca n't or have not verified with a copy of my signature on the original loan, credit card or whatever I want the charges removed from all three credit bureaus. I have attached the accounts in questions, XXXX ( XXXX credit cards ), XXXX XXXX ( XXXX credit cards ). As you can tell XXXX XXXX shows that I made a payment on XXXX and I do n't even have a credit card with them.

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 2015-07-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I 'm attempting to apply for a job that requires a credit check. I receive information that not only am I being sued but the court date is next week XXXX XXXX, 2015. Apparently the lawsuit was sent to an address that I have n't lived in for years. I never received a call or an email from the company about any pending litigation. I guess if the person living at that address not found me to give the information, the court date would have came and went without me even knowing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Never lived here:XXXXXXXX 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 2015-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In 2013 my ss # and name were used by my daughter who is over XXXX to obtain a card in my name. We have the same name. It was mailed to her. I was not aware of this. Total amount is {$480.00}. To XXXX. Ii am on XXXX and am trying to get my life together after a emotional loss. I ran my credit report and this showed up with a XXXX XXXX XXXX bill and XXXX medical bills to a XXXX XXXX and XXXX. These are her debts and I can prove it. She is now will to take responsibility for her debts. I need these removed from y. Credit report. Plz help me resolve THIS! Thx you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wrote XXXX on XXXX XXXX, XXXX as I discovered issues on what they were showing on my credit reports. I included copies of my drivers license, social security card, and a utility bill as proof of my residence. It is XXXX XXXX, XXXX and they have not responded. This is illegal for them to do as the law says they MUST answer in 30 days!

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

Complaint narrative:
I have several accounts on my credit file that are not mine and are a result of identity theft these accounts are ... XXXX bank XXXX and other accts when reviewing my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and addresses that I have been used fraudulently that need to be removed here are the addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and name aliases that need to be removed here are the aliases XXXX XXXX XXXX, And XXXX XXXX XXXX these accounts addresses and names need to be permanently removed I have sent in copies of a police report # XXXX officer XXXX XXXX badge number XXXX

Company public response: Company 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: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are XXXX variations of the spelling of my name which is XXXX ( correct spelling ) there are also XXXX addresses listed in the state of Michigan in XXXX different towns, XXXX in XXXX and XXXX in XXXX that I have never lived in. I am not sure if this is a form of fraud or identity theft, but I would like to do something to get this corrected.

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 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services
State: FL

Complaint narrative:
I followed all the proper procedures stated by the above said company to FREEZE my credit report. And to stop authorizing my credit report to third party vendor without my consent. The company stated will not respond or follow through.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I went to XXXX, located at XXXX XXXX XXXX, XXXX, NJ, and purchased a XX/XX/XXXX XXXX XXXX. On this day I gave XXXX XXXX " XXXX '' XXXX a personal check in the amount of {$2300.00}. On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX and was advised that I had to return to the dealership and resign the documents, which I did. I noticed that the documents ( Bill of Sale ) I signed were under the name of XXXX Auto Sales. XXXX XXXX stated he and XXXX XXXX were partners and that as soon as they receive payment of the remainder of the money, I should get my permanent plates and registration and that the original title would be forwarded to the lien holder or given to me, depending on how payment is made. On XX/XX/XXXX, I went back to the dealership and gave XXXX XXXX and XXXX XXXX a cashier 's check in the amount of {$23000.00}. On this date I was advised that I should receive all documentations and permanent plates within two to three weeks. This was not the case. I called and texted XXXX XXXX and XXXX XXXX, on many occasions and requested the documentation and plates or my money back, plus interest, to no avail. 
On XX/XX/XXXX, I made a complaint with the New Jersey Department of Motor Vehicle, Investigations Department, which is being investigated by Investigator XXXX. On XX/XX/XXXX, I went to the XXXX Police Department to file criminal charges against the Dealerships ( XXXX and XXXX Auto Sales ), XXXX XXXX and XXXX XXXX. On or about XXXX, I met with Detective XXXX of the XXXX Police Department and filed a Theft by Deception charge against XXXX XXXX " XXXX '' XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX Auto Sales ). 
On Saturday, XX/XX/XXXX, my vehicle was repossessed by Ally Bank, who is the previous owner lienholder. 
On Monday, XX/XX/XXXX, I called Ally Bank and spoke with XXXX. I provided her with copy of the Bill of Sale and the checks. I received a return call from XXXX XXXX ( sp ) and was advised that they could not release the vehicle as they ( Ally Bank ) have not been paid. She also advised that the vehicle will be put to auction within 15 days from the repossession date. I tried working with Ally Bank to see if I can get the vehicle back as I need to get back and forth to work. She 's stated that she was sorry, but to there 's not much she could do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion and XXXX have over XXXX accounts on my credit report that are over 7 years old including old car loans, student loans-one which is paid in full, credit cards from 1999 etc. I have requested them to be removed and was told they can be there for 10 years when the law states 7. I want a review of my credit report for their inaccuracies.

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