vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-14 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:
Today I received in the XXXX Mail my " TransUnion '' credit report dated " XXXX/XXXX/2016. '' Under the section entitled " Addresses Reported '' it has currently living at : " XXXX XXXX XXXX ; XXXX, CA ; XXXX. '' I am the victim of Identity Theft. I had previously called " TransUnion '' to ask them to please " Delete '' this fake " XXXX XXXX XXXX ; XXXX, CA ; XXXX '' off from my " TransUnion '' credit file and they wanted to " pay them '' first to do so! I have lived in XXXX, California for the XXXX consecutive years. I do n't even know " XXXX, California '' is even located at.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-10 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:
I checked my credit score on CreditKarma.com and it says that I have a derogatory mark on my credit from verizon for XXXX in XX/XX/2013. This is my XXXX time checking my credit in a while. I have never had a verizon account nor do I owe anyone 2400 dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I get some accounts on my credits reports with XXXX balance who was closed on XXXX and not going to be removed until XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$22000.00}.

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 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
MY NAME IS XXXX XXXX. I WAS CHECKING MY CREDIT AND FOUND OUT THERE ARE DIFFERENT ADDRESS LISTED. I HAVE NEVER LIVED IN XXXX, IL 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 2 ) XXXX XXXX XXXX XXXX, IL XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, IL XXXX ALSO I HAVE NEVER GONE BY THE NAME XXXX XXXX. I THINK IS THE WRONG PERSON OR THEY ARE USING MY IDENDITY. MY EMPLOYER INFORMATION IS NOT 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 non-monetary relief
Consumer complaint received 2017-02-08 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:
They reinserted all the previously disputed inquiries that were deleted, and put it all back on my credit report impacting my ability to obtain 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 2017-02-14 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
There was a loan placed on my credit reports stating that that i owe a company named XXXX XXXX XXXX for the amount of {$1300.00}. I attempt several times calling XXXX XXXX but could not ever get to representative. I finally spoke to a representative from a collection agency named AD ASTRA Recovery and they stated i needed to pay the amount above or else, I explained to them that i was a victim of a hate crime/Identity theft and the person/persons responsible had used my information in other accounts. I explained to them that i am XXXX and i am on a limited income and can not afford to pay a loan i did not take out.They told me the default loan would continue to damage my credit until i paid the balance in full which my XXXX income will not allow me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 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:
Hello, I have contacted transunion on multiple occasions to stop illegally reporting my sister credit information on my credit report. On XXXX XXXX, I went to finance a vehicle, and my credit was flagged as high risk because I failed the security questions about my credit profile. The security questions that were asked, were questions pertaining to a car loan and the payment installments which I had no knowledge of. I then checked my credit history and saw that transunion have ignored my contact to stop reporting false information on my credit. They have been reporting my sister 's information on my credit report on multiple times. 
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 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Seeking to have credit bureaus remove a tax lien filed by the State of Georgia which has been paid and satisfied for more than 4 years. Additionally, the lien was filed in XXXX of XXXX so i believed that the lien would fall off my credit reports after 7 years, being XXXX XXXX. 

Upon contacting Transunion and XXXX today XXXX XXXX/XXXX/XXXX XXXX to confirm that this would be removed in XXXX once the 7 year mark had hit from its original filing date, I was informed that legally my tax lien must be reported for 10 years by law with a removal date of XXXX XXXX or to get an order from a judge ordering its removal. However, after viewing the Georgia XXXX website XXXX it specifically states the following ; " The Department has no control over the length of time that credit bureaus keep public information on a credit bureau report. To update your credit bureau report, you must contact the credit bureaus directly. If the Department recorded a state tax lien against you in error, the Department will amend the lien by stating that it has been officially withdrawn. Please note that the Department can not instruct a credit reporting agency to alter its records regarding this error because the Department does not report the recording of state tax liens to any such agencies. '' So there seems to be no such order of removal process in the state of Georgia or law requiring credit bureaus to report satisfied tax liens for any specific amount of time. It appears Georgia residents have no way to request satisfied tax liens be removed from credit reports. 

I am requesting your organizations assistance in having this lien removed from all credit bureaus in good faith as I paid the tax debt ( {$1500.00} ) once I learned there was a judgment and had been reported as a tax lien more than 3 years ago ( XXXX XXXX ) and additionally exercised patience in believing that the public record would be removed after 7 years of its filing date only to learn that the credit bureaus can report a public record for any length of time they choose, in this case 10 years, even though my state agency does not mandate this. 

I have attached a copy of the letter from the XXXX clerk office showing the date the lien was paid/satisfied and ordered removed for the XXXX clerk office. The bureaus advised that this letter does not suffice for removal.

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 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XXXX of my reports there is a claim I have an open account in collections, this is incorrect. It was paid XXXX 2014. I contacted the company and they confirmed the account in collections was paid off in XXXX 2014, I just need to get it removed from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 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:
My old accounts from XXXX XXXX Bank were removed from all XXXX Credit Bureaus when I previously checked my credit report in XXXX of 2016. When I checked my report on XXXX XXXX, 2016 the accounts were back on my report and updated inaccurately without any notification.

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 2016-05-02 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: OH

Complaint narrative:
Transunion has locked me out of the online dispute system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XXXX/XXXX/2016 I made an agreement to settle my credit card account with XXXX XXXX bank ending with XXXX in the amount of {$4000.00} and have the account paid in full with XXXX balance. I made the payment on the XXXX/XXXX/2016 and waited to see the update on my trans union credit report. The update was made to my credit report showing a balance of {$5600.00} which is wrong. I am excepting to see acct is settled for less and XXXX balance. I disputed the issue with Trans Union, but it resulted in reporting even the entire original owed balance of {$9600.00}. It caused me a score plunged XXXX points. another dispute was not possible through the credit bureau.

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 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed bankruptcy on XXXX XXXX, and my mortgage loan with XXXX/XXXX was reaffirmed. 
Since XXXX XXXX, I was unable to pay for my mortgage due to financial difficulties. XXXX XXXX XXXX reinstated the mortgage loan since XXXX XXXX. 
I have been paying on time my monthly mortgage of {$3400.00} since XXXX XXXX. My current balance is {$460000.00} with an adjustable mortgage loan. 
I have been contacting XXXX XXXX XXXX to report my mortgage loan to all the credit bureau and they are refusing even though I provided them a copy of my bankruptcy report. My lawyer also contacted XXXX XXXX XXXX to explain to them that my mortgage loan is a valid debt and was reaffirmed. 
It is now impossible to refinance with XXXX XXXX XXXX or any lender for that matter. 
I am please asking you to help me resolve this issue with XXXX XXXX XXXX. 
Thank you for your cooperation and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Failed to provide a free credit report in a timely manner, asked for verification of my address that was already in their records and I lived at longer than 6 months and had already been reported by other creditors, once I finally received the report I filled disputes on collections accounts as they are already paid in full. Customer service does n't speak XXXX very well and there seems to be a lack of communication. I also concerned about about my low Fico score I see only XXXX collections everything else is in good standing so how is it that out of XXXX points I 'm only getting the low XXXX as a score a XXXX point difference over XXXX negative accounts..I 've work very hard in the last few months paying outstanding debts and reducing credit utilization on my credit card account at less than 30 % and a furniture account about 50 % none of which are late or ever received a last payment so where 's this score coming from?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I scheduled an online payment on chase.com in XXXX of XXXX and XXXX XXXX that was not completed due to a flaw with Chase computer system. As a result the monthly mortgage payment was not paid on time. Generating, a negative credit rating. Chase has a record of me logging in for the payment both times. The company is refusing to correct the problem. I was told by supervisor XXXX that my credit would be amended due to rise with online payment errors. I was even instructed not to use the online account and just call in payments as free option. XXXX felt this would provide confirmation for my payment to avoid anymore damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Per my previous complaint filed with the CFPB - # XXXX ( XXXX ), Transunion recognized their error and vowed to remove inquiries that were placed on my report without merit due to a glitch. 
I have received my credit report in the mail from Transunion. 
On page 6 of my report, I still see inquiries that were not removed, but promised to be removed by Transunion. 
Let me clearly state this again ( as I did in the first complaint ). 
The ONLY inquiry that should be on there as of today ( XXXX/XXXX/2016 ) : -- XXXX XXXX ( XXXX/XXXX/2016 ) As Transunion stated clearly in the above referenced CFPB complaint they would remove them all, I expect Transunion to follow through. 
Please remove any and all inquiries EXCEPT for the XXXX XXXX entry on XX/XX/XXXX ( that means remove the other XXXX dates ). 
I have again attached my identification to expedite the removal.

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: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Found a doctor bill on my credit report that that was sent to a collection center that should not be there, it should of been sent to my insurance company

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 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX reinserted information that had been deleted in XXXX 2015. XXXX agreed to remove account yet Transunion continues to report account. Please delete account number XXXX from my credit report immediately as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
have not taken off chapter XXXX and chapter XXXX bankrupty which is 10 plus years old

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 2015-12-30 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:
I sent in a police report, Identity Theft Report and proof of my identity, name, address, and Social Security number. Explained which information on my report came from identity theft. And instead of blocking the items, they put them in dispute. When I called in a lady in their fraud department said it is up to the creditors to remove the data, not Transunion which is not true at all!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07 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:
XXXX # XXXXThis collection agency is collecting for XXXX, which they bought the debt from. Enclosed is a letter and an invoice from them, which they are saying is enough to verify and validate the debt under 15 USC sec. 1692g. THE LETTER AND INVOICE IS NOT VERIFICATION AND VALIDATION. THIS ACCOUNT WAS ESTABLISHED THROUGH ID THEFT AND FRAUD AND I NEVER HAD AN ACCOUNT WITH XXXX. I ASKED THEM FOR 2 YEARS NOW FOR A COPY OF THE CONSUMER CONTRACT WITH MY SIGNATURE ON IT AND THEY CAN NOT PROVIDE THIS INFORMATION AS EVINCED BY THE ENCLOSED LETTER. I never had an account with XXXX and this account is also re-aged and reinserted as it was removed before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting a collection account for XXXX XXXX XXXX in error. This account was paid by XXXX XXXX XXXX XXXX XXXX, and should not have gone to Collections. 
XXXX XXXX NEVER validated this debt with XXXX XXXX, nor did they validate that it was paid by XXXX XXXX XXXX XXXX. I have never received nor authorized anyone from XXXX to validate with XXXX XXXX so I know they never have. 

Per the FCRA XXXX XXXX they have not properly validated the debt, and it should be removed from my Trans Union Credit Report.

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 2016-04-11 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:
I recently pulled my credit report from TransUnion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with TransUnion and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.

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 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed Chapter XXXX bankruptcy in XXXX XXXX and was granted a full discharge. In XXXX of XXXX, I applied for a consumer loan with my credit union and was denied. My credit report showed XXXX serious delinquencies that were filed in XXXX and XXXX by the utilities companies whose bills were included in my discharge in XXXX. XXXX correctly shows these as discharged in bankruptcy. Transunion is incorrect and shows them as serious delinquencies. I do not know how it is reported on XXXX because I was a victim of the XXXX data breach, so I froze my credit reports. I could not obtain a PIN from XXXX to lift the freeze so I can not see that report. However it should not matter ; in this case, I was denied credit because these XXXX creditors re-filed ( through collections agencies ) against me debts that were discharged in Federal court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I do n't know why these are on my credit score. 
These are n't my debts

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I opened a checking account online in Discover website on XXXX/XXXX/2015 and used a promotional offer from Discover. The offer code was " XXXX '' and as per offer terms and conditions if I open the checking account within XXXX and complete XXXX direct deposits of each no less than {$250.00} within 60 days, then I will get {$300.00} bonus in my checking account. 
My account was opened on XXXX/XXXX/2015 and I did complete XXXX direct deposits ( each direct deposit was much more than {$250.00} ) only within 30 days of my account opening. However, so far I have not received the {$300.00} bonus in my Discover checking account yet. I called Discover customer service quite a few times. But unfortunately they just asked me to wait without solving this issue at all. 
I request Discover to follow their promotional offer terms and conditions and post the {$300.00} bonus to my checking account as soon as possible.

Company response to consumer: Closed with explanation