vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I monitor my credit XXXX score each month when I pay my XXXX Card balance. This month the score went down XXXX points and it stated that it due to information in my Trans Union Credit report. I ordered my free annual report from Trans Union and on it there was no negative information that should impact my score. I called the Trans Union number given on the report to see if they could explain, but had no success. Although my all my accounts are marked as current and no negative information was reported, they could not assure me that the factor that is negatively impacting my credit would be corrected. I tried to file a report online to dispute this situation but could not because my problem did not fit into a dispute category.

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 2016-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint was resolved by its removal from Experian on XX/XX/XXXX. This was my Case number : XXXX How do I get it removed from Transunion and Equifax? 

I am disputing the only adverse account on my report, which is XXXX # XXXX ( XXXX XXXX ) for the amount of {$410.00}. This entry is totally fraudulent and I am requesting that it be removed immediately. 
Here are the facts : XXXX failed to provide service for the amount which was agreed to, and subsequently terminated my service after ten months of service. XXXX broke the agreement by not only overcharging me every month but also by terminating my services on XX/XX/XXXX when my bill was paid in full thru XX/XX/XXXX. 
On Friday, XX/XX/XXXX, at approximately XXXX XX/XX/XXXX., when I called to complain about fraudulent charges being on my bill for the tenth month in a row, XXXX immediately disconnected my services even though my bill was paid in full thru XX/XX/XXXX. I can only assume that XXXX was tired of my continual complaining about the fraudulent charges every month so they decided to terminate my services when I repeatedly complained about the fraudulent charges. 
When I noticed that the services were turned off, I called XXXX back to again complain and I was told that the services had been disconnected and that I would receive a credit for the remaining eleven days on a final bill. XXXX owes me {$14.00} for disconnecting my services on XX/XX/XXXX when my account was paid in full thru XX/XX/XXXX. 
I owe XXXX nothing!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion report issued date : XXXX/XXXX/XXXX, file number XXXX. Logged in at XXXX on XXXX/XXXX/XXXX, and the accounts listed below are still being reported. According, to the aforementioned report, the items were supposed to be deleted in XXXX. 
Collection Account : 1. ) XXXX XXXX XXXX Remove- listed in duplicate on report, this is already listed/assigned to a new agency- XXXX. 
2. ) XXXX XXXX XXXX XXXX supposed to be removed XXXX 3. ) XXXX XXXX {$6100.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX 4. ) XXXX XXXX {$22000.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX 5. ) XXXX XXXX {$26000.00} ( opened XXXX/XXXX/XXXX ) - supposed to removed XXXX 6. ) XXXX XXXX {$40000.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX 7. ) XXXX XXXX {$39000.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed 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 2016-07-06 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:
Inquiries were removed from my account and re-added without proper notice.

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 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have disputed an inaccurate reported item from XXXX, through TransUnion, twice. 
At both occasions TransUnion is stating that as a result of the investigation, XXXX has verified the account information as accurately reporting. As a second step towards having this adverse innacurate item removed, I have contacted several times XXXX 's department of dispute ; 1., they are saying they no longer handles disputes sent to XXXX and 2., they are saying that TransUnion has never contacted them in regards to this specific matter. 
In order to take a 3rd step towards XXXX and file a law suit, I need documentation from TransUnion showing that the investigation has been done, and what steps were involved during the investigation. However, TransUnion 's head department is refusing to provide me with any documentation showing the steps taking towards this dispute 's investigation, and at one instance I was even told that there 's no investigation, they only send a courtesy email to the creditor asking to review the information reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX, payed bill, received a letter from them stating " paid in full letter '' yetthe account still shows in my credit report as opened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was in a contract to pay my credit card debt of {$12000.00} through " XXXX XXXX XXXX XXXX '' for 3 years. During the XXXX year, we had a flood. I lost my car, got {$14000.00} to pay off my credit cards right away. I paid XXXX XXXX in full, for my debt. They came back and said, we only paid off your {$10000.00} credit card, and you have to pay us {$300.00} a month for the next 3 years, to pay off your remaining XXXX {$600.00} credit cards. I stopped all payment, since I paid them for all this debt in full, in cash already, which is now on my credit score! I want this debt erased, because of this fraud, all of it! I already reported this to the BBB! The debt in question is from 2008!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Transunion score is lower than the other XXXX reporting agencies. The same stupid answer. Each company uses a different model. They do everything to keep your score low so that you are forced to pay a higher interest on everything. They want to sell you a product to track your score. I had the man on the phone check my report and I have no late or missing payments. I have a XXXX XXXX XXXX bankruptcy. It takes 10 years to get if off. How can you do any kind of transactions without getting an inquire that lowers you score for two years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have XXXX accounts for XXXX XXXX Support in Arizona. There are balances on these accounts, but I have paid on-time payments every month. TransUnion & XXXX have changed from showing these accounts as " Current : Paid or Paying as Agreed '' to " Account 120 days Past Due Date ''. XXXX still shows all XXXX accounts as current. I have contacted the creditor who told me that I am current on all XXXX accounts. They also said that they are receiving many inquiries from other consumers regarding this issue. They gave me a printout of my payment history for all XXXX accounts, which I sent to all XXXX credit bureaus. I have received dispute results saying that they changed XXXX account but not the other XXXX from TranUnion. XXXX shows XXXX as a charge off and no change to the other XXXX accounts. As far as I know, XXXX still shows these accounts as current. I have spoken with TransUnion who said that they are just reporting what the creditor has sent them. My concern is that TransUnion & XXXX are translating the data that they are receiving from the creditor incorrectly. Nonetheless my credit reports and scores from these XXXX credit bureaus have been significantly affected by incorrect reporting and they do n't seem to care.

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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed multiple inquiries on my credit report with Transunion. Transunion advices that they will not dispute inquiries. This is a violation of the FCRA by furnishing inaccurate information regarding my credit file to potential creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I contacted Transunion directly after sending a mailed request and was told that the information that I have from a Tennessee Circuit Court dismissing this was Not sufficient to remove this from my 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 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are XXXX new addresses appearing on my credit reports. I have not furnished the address XXXX XXXX XXXX, XXXX, CA XXXX or XXXX XXXX XXXX XXXX XXXX, Ca XXXX. This is erroneous information and needs to be removed from all credit reports. 

The last name XXXX is also incorrect.

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 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To whom it may concern : I respectfully request a credit freeze on my credit file. My name is XXXX I am victim of identity theft and have attached a copy of the investigative report from my local law enforcement agency. Per the laws of the state of OHIO, I do not have to render a fee for the aforementioned freeze request. There is a XXXX account that someone tried to apply for that I never authorized or applied for Please delete the inquiry from my Credit Report it is Fraud. 

My current address is : XXXX, OH XXXX My Social Security number is : XXXX My DOB is : 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 2016-11-09 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:
I have previously disputed inquiries on my TransUnion report. They are refusing to remove the inquiries I disputed on CFPB Case number : XXXX. 

When I spoke to the specialist on the phone I inquired what I can do to prevent further inquiries from being done on my credit profile and a security freeze was recommended. I was going to proceed with the security freeze until she informed me that I had to pay {$10.00}. Per the TransUnion website any person who has been a victim of identity theft can have the fee waived. I 've sent several police reports to prove my identity theft and would like for the security freeze to be placed with no charge. 

In addition I would like all the inquiries I have disputed to be deleted or investigated. 

Inquiries disputed are : XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX XXXX - INQUIRY DATE OF - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX paid off on time.

Company public response: Company 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: FL

Complaint narrative:
I have filed complain with all XXXX credit bureau 90 days a go and still have n't gotany reply back

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
My employer is listed as the employment date is wrong. I started working @ XXXX in XXXX XXXX, not XXXX, as listed.

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 2016-01-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I paid my car loan off and reviewed my credit 3 months later and they show I was 30 days late on a payment when I was n't. I actually had automatic pay setup through my bank. I have sent ALLY the bank statements showing that the payments were made but they will not correct on my credit. I have disputed through the credit agencies and ALLY keeps turning it down with the documentation. This late payment is stoping me from getting a job that will help me support my family in a better way. Please help me I can provide the documentation supporting that I was n't late. I call in to Ally and ask to speak to a manager and they wo n't let me. Ive been hung up and basically told they do n't care. Please, please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I paid all my payments on time for 5 years to XXXX XXXX. Now XXXX XXXX. I noticed my last payment in 2015 was not posted right away. They took time clearing the check. Now I find a late fee in my credit, damaging my credit. These loans were supposed to help me fix my credit not damaging my credit. I request and investigation and that the late fee be removed from my credit. Thanks a lot.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
my XXXX account has been closed and paid in full for XXXX months. transunion showes it still opened with a balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, I have been in contact with XXXX over a dozen times over the past 5 months. I have requested that they supply me validation of listings that are reporting in my file and they continue to respond back that the information has been verified. I am requesting validation of the debt so that I can dispute it properly to have it remove or corrected on my file. I spoke with 4 different supervisors and I have been told that this information would be mailed to me within 7-10 business days and over 30 days has passed. I took the liberty to send certified mail to them to as well to no avail. I am constantly being told that I need to contact the creditor to verify the debt but they are the ones reporting the debt and they must have proof that the debt is mine or remove the listing/s.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA -they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2016-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX to XXXX XXXX during this time my credit accounts were tampered with and unauthorized charges. I have filed FTC complaint, police report with XXXX police agencies ( XXXX XXXX, XXXX XXXX 's, and XXXX ). Have informed and disputed with XXXX creditors numerous times with no action taken by them to remove or block. After several ID Theft disputes with CRA Trans Union - learned about FCRA XXXX and sent on XXXX XXXX to block. Trans Union refuses to block and instead said all they would do is to re-investigate with the creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX, I submitted a request for an investigation into a hard inquiry by XXXX XXXX ( i.e., " XXXX '' ) that I had not authorized. On XXXX XXXX, 2015, TransUnion mailed back the supposed results of their investigation. The results were completely unclear as it was merely a copy of my credit report. Moreover, the report incorrectly included the name " XXXX XXXX '' as one of my reported names. ( The attached photos show the XXXX incorrect places this name appears. ) I am entitled to a more thorough investigation of this matter, a disclosure of the full results, and the removal of this random name from my credit report whose origins I honestly do not know.

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: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
regular credit inquiries can not be disputed or investigated

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 2015-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX -- XXXX XXXX XXXX BANK XXXX {$590.00} i have paid this account off in full please remove this from my credit report as XXXX said it would

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