vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I received a XXXX showing the cancellation of the balance with my creditor. I disputed the information as instructed since it was still showing the full balance when it should now show as zero. I received notification 30 days later that they investigated and verified the debt. I then called them to see how that is possible since I provided the paperwork ( XXXX ). The agent said that they did n't review the paperwork since XXXX 's go to a different department. She said she would take care of it in light of the paperwork I provided but to this day, nothing has been done. I have n't even been given notification that they 're re-investigating it. They also removed my access to the website and I can not check the status. This would be the 3rd time I 've sent them verification that the debt was canceled by the creditor. Every other agency has corrected this information except for Transunion.

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 2016-05-18 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 received a letter from XXXX XXXX showing an account TransUnion reported as " verified '', in fact is not mine. I went to re-submit a dispute online and they would not let me submit my letter supporting that the account is not mine. Furthermore, they continue to report inquiries that are unauthorized, fraudulent, and do not meet fair use requirements. 
Here is the inaccurate data on my credit report : XXXX XXXX XXXX XXXX XXXX Other : You have repeatedly reported this as " verified ''. I now have a letter from XXXX XXXX & it is n't my account. 
XXXX XXXX XXXX XXXX/XXXX/2015 Inquiry Other : Unauthorized, fraudulent inquiry that does not meet the requirement for permissible use XXXX XXXX XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 Inquiry Other : Unauthorized, fraudulent inquiry that does not meet the requirement for permissible use

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 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have asked Transunion to investigate XXXX XXXX XXXX XXXX reporting of an account on my credit report several time. This account is charged off for the past 5 years but it first delinquency date happened on XXXX/XXXX/XXXX over 7 years ago. However XXXX XXXX XXXX XXXX is reporting this credit card as been paid up until XXXX XXXX, although I became delinquent on this account as of XXXX XXXX and was never able to make a single payment ever again. I have requested payment information from XXXX XXXX credit union several time to no avail. Then I have disputed payments history accuracy with Transunion, XXXX nad XXXX and some how the payment history comes back verified. When I asked Transunion to provide me with name of the person wo is verifying this information they refused.

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 2015-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my TransUnion credit report, I immediately noticed something in my Public Records section of my TransUnion credit report reporting incorrectly. 
Below is information regarding the following Public Records item I would like to have permanently deleted from it is reporting to my TransUnion credit report in error. TransUnion is reporting it to the wrong XXXX XXXX XXXX, XXXX.:1. Federal Tax Lien - Reference # - XXXX. This Tax Lien that is currently reporting to my TransUnion credit report is reporting to my credit report in error. This is the wrong XXXX XXXX XXXX, XXXX As a matter of fact, based on this lien 's record, XXXX is not even included. Nothing fully matches up except the fact that the name is similar but not mine. Nor is this my address that they have on record as well. I would like to have this item permanently deleted off of my TransUnion credit report immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was listed as an authorized user the account is not in my name. I have contacted XXXX and they said they have by law up to thirty days to investigate. I never used the card or signed for anything and now the account is closed showing I am an authorized user only.

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 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX. Address Identification Number : XXXX Status : Collection account. {$640.00} past due as of XXXX XXXX. Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 
Date Opened : XXXX Since : XXXX of Status : XXXX Reported : XXXX Type : CollectionTerms : 1 MonthsMonthly Payment : $ XXXX : XXXX XXXX XXXX XXXX Tv was taken off my credit once ) XXXX. When I XXXX came to XXXX we lived in XXXX at XXXX XXXX XXXX south XXXX. This company is a scam fest. I had XXXX XXXX but was always paid on time. If they would have checked my original drivers license they would see that my XXXX XXXX had my XXXX drivers license on it because we bought a car XXXX XXXX new ) and used the XXXX address on the license. If the would have checked the XXXX they would have seen that. Our port of entry was XXXX XXXX and is why we were there. We stayed at my XXXX house XXXX XXXX XXXX for XXXX weeks before I got license and then could travel. 
I have paid all my bills on time and these people are XXXX that just threaten your credit to make you give them money. 
XXXX XXXX : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Number : XXXX Creditor : XXXX XXXX. 






Address Identification Number : XXXX : Collection account. {$640.00} past due as of XXXX XXXX. 



Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 





Date Opened : XXXX Since : XXXX of Status : XXXX Reported : XXXX Type : CollectionTerms : 1 MonthsMonthly Payment : $ XXXX : IndividualCredit Limit/Original Amount : $ XXXX Balance : NARecent Balance : $ XXXX Payment : $ XXXX have lived in XXXX since the end of XXXX and do not appreciate their slandering meCredit Limit/Original Amount : $ XXXX Balance : NARecent Balance : $ XXXX Payment : $ XXXX XXXX History : Collection as of XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I subscribed to XXXX for several years in my XXXX XXXX, XXXX, rented townhouse. In XX/XX/XXXX I decided to move my home/office on XXXX XXXX of the same year. For XXXX months I asked XXXX multiple times for a way to return their receiver to them when I left but received no response except I would need it when I found a new place to live. I had much to do and no time to argue. I left the satellite dish on top of the unit and returned the t.v. and telephone modem to XXXX, but XXXX XXXX had still not revealed where their receiver could be sent, though the account was closed. So I put it in the back of my car. XXXX months later ( the time limit to re-attach the receiver was over ( XXXX XXXX ) and I still had no fixed address. In XX/XX/XXXX I tossed the receiver in a garbage can in XXXX, XXXX as I headed northeast again. Someone found it and returned it to XXXX for shortly thereafter I started getting e-mails from them about a balance owing, but by the time I 'd moved into a long-term rental they had already decided I owed them {$480.00} for a non-account and reported it as unpaid and overdue to XXXX in XXXX, XXXX. This is now on my TransUnion credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo failed to properly credit my mortgage payments. On XX/XX/XXXX Wells Fargo Bank filed a Notice of Default for {$10000.00} which is incorrect. I contacted Wells Fargo once I received the Notice of Default and the Debt Validation at the same time and requested the date of the last mortgage payment. Wells Fargo stated that the last payment was in XX/XX/XXXX, however, it was credited for XX/XX/XXXX, because they had not received a mortgage in XX/XX/XXXX. I located the XX/XX/XXXX mortgage payment which was paid inside of Wells Fargo Branch on XX/XX/XXXX. Previous to the Notice of Default I did not receive a Notice of Intent to Foreclose from Wells Fargo, therefore I requested to see it along with the payment history. The Notice of Intent that I received was incorrect in the amount being requested, moreover, it appeared to be newly created, it was dated XX/XX/XXXX and stated the last XXXX payments had not been received? When Wells Fargo Bank had received XX/XX/XXXX payment. The payment history that I received is impossible to read even with a magnifying class.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have never lived at one of the addresses on my credit report : XXXX XXXX XXXX. 
XXXX XXXX, In 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 non-monetary relief
Consumer complaint received 2017-03-06 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: IL

Complaint narrative:
I went to TransUnion to get a free credit score check. This is the first check in many years and it therefore should have been free. The Transunion website forced me to enter a credit card # to continue. I entered the credit card information but never agreed to any charges to the card. I later checked my email and I was signed up for credit monitoring with a XXXX charge. I never agreed to have any expense placed onto my credit card. The website never indicated that I was going to be charged for anything. I believe this is a deceptive business practice from Transunion. I have disputed the claim with Transunion and disputed the claim with the credit card company. Even though Transunion eventually relented, this is clearly a deceptive business practice. People go to the 3 main companies to get a free credit report and Transunion intentionally directs this traffic to enter a credit card number to deceptively charge without a clear signup communication. What a scam!

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 monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I obtained homeowner 's insurance from XXXX XXXX XXXX. Attached to the policy was a notice that I did not receive the lowest premium possible due to information listed on my credit report. XXXX of the XXXX items listed as factors in my not receiving the lowest premium were incorrect. It included a phone # to call XXXX for information. I called the #. Instead of answering my questions, the XXXX employee read a long-winded script to me XXXX times with every item they use to determine insurance premiums, except, of course, for the credit report premiums increases. Finally, I demanded to know who to contact to get the information about how much my premium increased due to the credit report. She went away and came back with TransUnion as a response. I filed a complaint with TransUnion. Instead of addressing my issues, TransUnion came back with a nonsensical response. If they were agreeing that there were errors on my credit report, they made no offer to correct the secret Insurance Score Report and inform XXXX that I was charged an excessive insurance premium and am due a refund. Bottom line, TransUnion is providing XXXX ( and likely other insurance companies ) with an XXXX Score Report. They refuse to provide this report to consumers and refuse to answer questions about how much insurance premiums are increased based on the report. The report could be totally wrong ( even be for the wrong person ), but there 's no way to dispute it because they keep it secret. FCRA does not specially address Insurance Score Reports, but some safeguard must be in place to prevent TransUnion and XXXX from jacking up insurance premiums based on incorrect information contained in a secret credit report. Of course, they benefit from monetary gains by not doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo has been harassing my wife and I over the past year. We are crippled by this debt. When we told, we could not make the high payments, first they suggested consolidating the loans. After consolidation, the payments became even higher. Then, we asked to have them unconsolidated and they refused. it took several phone calls. Also, my wife gets calls almost daily just letting her know a payment is due. The loan has been deferred since she took some classes. They have called her and our mother in law who is the cosigner. The information is inconsistent online and who you talk to in person. and you just get the run around. Today, I was about to make a payment and they refused to take it. They said it has to be a bank card. This was my last straw. I offer to pay the money and you refuse to take payment. This has been a huge nightmare, and this vendor should be barred from taking on student loans. My wife even was diagnosed with XXXX and is not able to work full time. Still, they wo n't offer any relief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
THIS COMPANY ILLEGALLY TOOK WAGE GARNISHMENTS FROM ME. I WAS GIVEN A CREDIT CARD WORTH 10,000DOLLARS AND I ONLY USED 2000DOLLARS. HOWEVER THIS COLLECTION AGENCY SUED ME FOR THE VALUE OF THE CARD AND A ADDITIONAL XXXXDOLLARS A TOTAL OF XXXXDOLLARS. I NEED YOUR HELP BECAUSE THEY LIED ABOUT THE DEBT. I NEVER USED THAT MUCH MONEY AND WHEN I TRIED TO TELL THEM THAT THEY DID NOT CARE I AM MAILING YOU ALL OF THE PROOF AND ALL OF THE LETTERS I WROTE TO FIND HELP NOBODY HELPED ME AND I AM POOR. I COULD BARLEY FEED MY FAMILY AND THEY HAVE RUINED MY CREDIT AND HAVE CAUSE ME SUCH GREAT XXXX OVER THE YEARS. I AM TIRED OF THESE PEOPLE STEALING MY LITTLE BIT OF MONEY PLEASE HELP THANK YOU SO MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
CHEXSYSTEMS ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS.

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 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a judgment on my credit report that was dismissed. It should not be showing up. Attached is a copy of the documentation direct from the XXXX XXXX XXXX XXXX XXXX Courts XXXX. 
I have written a few times but the credit bureau will not remove it. Please help, I am unable to get a mortgage approved because they will not fix it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
I was never notified as the co-applicant that payments where late. 
My son XXXX XXXX who has XXXX tried on a number of occasions to resolve this issue. He spoke to representative name XXXX @ XXXX she never offered XXXX any type of alternatives to keep the car. Only to pay the balance in full, he tried on several occasion try to explain to her that he worked for a hotel and during the summer months his hours are cut in half. Because of his XXXX it is hard for him to find work and explain himself over the phone. I wish XXXX would have contacted me about the loan I could have helped solve the issue. Understand XXXX was trying to handle this issue on his own, but when someone has no compassion or respect for someone with a XXXX it is hard. 
I feel that if XXXX would have showed some amount of concern or compassion for XXXX or valued him as a client and appreciate his business he would still have his car. She never offer to move his past due payments to the end of his loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 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:
TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED : -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015

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 2016-07-30 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 got a notice thru XXXX that I had opened a credit card XXXX XXXX with a limit of {$3000.00} and a 0 % utilization as of XX/XX/2016 and the card was supposedly issued on XXXX XXXX, 2016. I have not applied for any credit cards from XXXX and am not pleased that it has showed up on my Transunion and XXXX reports. Can you please investigate for me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I file bankruptcy and the discharge was XXXX XXXX, 2015. TransUnion and and XXXX both report open accounts for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. It is dragging my credit score down. I have spoken to and requested that both agencies correct the error and they have not. It has been over six months.

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 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I recently investigated my credit history because every I apply to get one I 'm denied for the following reasons : -derogatory public records or collection filed -Insufficient length of credict history -Proportion of revolving balances to revolving credit limits is too high -Recent derogatory public record of collection -Number of recent inquires on consumer report My question are What does this mean? 
How can I fix all this so I can cleanly build my credit? 
How to prevent this affecting me.? 
Why I get a pending account in collection and I was never notified of this amount?

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 2016-07-29 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:
I called about the inquriy issue with Transunion a week ago. I have several inquiries that were added to my report because of the error that occurred with their system. I was told it did not apply to me by the customer service representative, and I was given no clear explanation of why. 
Best regards,

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