vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-05 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 tried to add my comments to the specific dispute on my credit report on-line. when i tried i kept getting an error message. after XXXX phone calls i was finally told that I ca n't add my comments to an on-going investigation which seems crazy since i would think Transunion would want as much detail as possible to help resolve the situation. additionally, their comments section is limited to XXXX characters which is not very much. On my last phone call supervisor XXXX advised me that Transunion is having issues with their on-line service and that comments ca n't be added due to technical issues. he advised me to call back and that they would add my comments over the phone which i think is rediculous. i just want to correct my incorrect credit information and i have spent 2 hours doing something that should only take 15 minutes, and it 's still not resolved. I attached my complete and condensed version for your information in case you can forward either one to TransUnion. the edited version is what i tried to attach to their on-line service due to their character limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The medical bill owed does not belong XXXX. The debt is a hopital bill that belongs to XXXX Hospital. This bill was reported to, XXXX didffrent agencies meaning that I would have to pay double for XXXX bill that was reported twice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
purchased a XXXX XXXX in XXXX from XXXX paid off in XXXX received ttitles in XXXX traded it in XXXX to XXXX XXXX XXXX texas XXXX, they reported was reported on my credit XXXX/XXXX/XXXX {$1000.00} why would I have the titles if I had a balance, I do not owe anything, please remove off of my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. 
XXXX of XXXX XXXX assistance XXXX total, XXXX XXXX XXXX total, an account through XXXX XXXX. Please help as this agency is not complying

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am not the person in debt, but my sister is. I received a call today from XXXX, asking for my sister by her full name. When I asked who they were, they said " I 'm sorry I can not disclose that information. '' When I asked " Why do you need to talk to my sister? '' they said " It is a private matter. Can you please pass a message? '' And when I asked how they got my information they said " We got it with some software. We ca n't disclose how. Do you know her? Can you pass a message? '' I then told them that I am a third party and they should not be speaking to me and then hung up the phone. They have now spoken to my sister and the company insisted that it is OK to call me, even though my name is not on the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was refused a copy of my free annual credit report from Trans Union. 

I was refused a refinance on my home from XXXX and XXXX XXXX XXXX. 

I need free copy of my credit report so I can find out why I was refused a mortgage loan.

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 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 has suffered as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed.

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: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing a complaint because Transuion has ignored my request to provide me with the documents their company has on file used to verify the accounts I disputed. My dispute has extended past the 30 day mark without Transunion verifying these accounts. Under section XXXX XXXX XXXX ) ( A ) of the FCRA - They are required to ... '' promptly delete all information which can not be verified. '' This matter is prohibiting me from obtaining credit. Please resolve this matter 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 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My name is XXXX XXXX, SS # ***********, I was receiving a down graded report from mostly all creditors, down grading my credit capacity, and stated that their was an adverse action or issue on my credit, so I order for a copy of my credit report, lord on behold i saw a XXXX stating that i owe XXXX {$380.00}, This same issues have been debunked, and has been removed from my account three times now by Trans Union, this company always put this in my record every other year for what I dont know, i have not been with XXXX for more than 10 years now, and i have disputed all of their charges with proper documentation, and i thought it was behind me. and I told Trans union that these people should not be allowed to mess with my account again, but now they were still able to do it over again, and was allowed, and their respond this time states that it was verified, and that it will stay on my account for some years, This same credit company has removed this from my account 3 times now they stated is verified, and they never showed me their verification, the The credit bureau has messed up my credit rating by allowing this company to keep coming and going out my credit report to mess up my credit rating, I do not owe XXXX a penny, at the time i was with them i upgrade my old phone, but after i received the phone it was not what i expected and i returned it to their store with 2days of receiving the phone, and they kept charging me for the upgraded phone which i have returned to them i send them the receipt that showed that the phone was returned to their store still they kept charging, so I cancel my contract with them. now after over 10years they still continue to claim I owe them which i did n't. 
now the collection company send me a letter that they will stop the collection action, but the credit bureau still did n't remove it out of my record, This is total injustice, that this bureau can allow this company to go in and out of people record with no credibility to substantiate their claim nor a court judgement. Please check my credit record I am 100 % in my payment history never been late nor skip payment.

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 2015-09-21 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:
This complaint is in regards to the reinserted information on my credit report, after the information was previously deleted for years by Transunion credit reporting agency. This type of practices have had a negative effect on my credit score and holds down my abilities to make purchases. I 've contacted them about these practices several times to have the same thing done over and over again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On my credit report on XXXX, my student loan debt is double the amount that it should be at this time. I contacted XXXX and transunion about the problem. 
I contacted TransUnion because XXXX lets me know that all information on the report come from transunion. Transunion reported to me that they had my debt at XXXX.and XXXX has my debt at XXXX I informed both websites of the problem and nothing has happened. TransUnion has the same debt on their report XXXX, it is upon the report as XXXX ( XXXX XXXX, 2013 ) and it is also on the report in individual loans that equal XXXX I never had XXXX loan of {$18000.00} at one time. I had individual loans that equal XXXX. 
This mistake has caused me to be denied credit and employment.

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 2016-05-17 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: TX

Complaint narrative:
Contacted Transunion for a " free copy of my credit report. I ordered it and was charged {$17.00} for some kind of recurring service. I asked for no such service and when I called them I was told I had opted for a free 7 day trial ( which I did not ) and that they could n't refund it because they had already paid other services for some product related to this. 
Additionally the website is overly confusing and just getting a simple credit report - from ALL of these outfits - is unduly complicated.

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 2016-12-01 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 a few hard hits on my credit I did not authorize. My Father and I have the same name and same address so sometimes are information gets mixed up. I am not saying that 's the case here but few of these inquires are not mine nor did I authorize 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 2015-04-29 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:
I was notified of negative activitiy in my credit report In XXXX XXXX by my financial institution. Upon investigating I realized XXXX XXXX XXXX had reported late payment on a credit card held with this company. I had not used this credit card since paying off my debt of {$1600.00} in XXXX. I called XXXX Fraud department to inquire why and what I was reported for. I was transferred to customer service and was told that the card had been used to make a purchase of {$4.00} at a XXXX on XXXX/XXXX/XXXX. I explained that I had not used this card and was not aware of this purchase. I was told to submit a written statement regarding this incident. A written report along with the required documents was faxed to XXXX XXXX XXXX. I was told they would investigate and send me a report on their decision. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had updated my credit report with the credit reporting agencies : XXXX, XXXX and TransUnion " to read as a current account with a balance of {$0.00}. 
XXXX XXXX XXXX did not clear my name for the late payments reported to the credit reporting agencies and this significantly dropped my credit scores. I have since attempted to get them to do this so my previous " Excellent and Good '' credit report status could be reinstated. I was told with time I can rebuild my credit report. I did not destroy my credit report, I have worked hard to build and sustain my credit report and would like for this company to report that I was not responsible for the late payments since I did not use this credit card. A XXXX balance report did not address the fact that I did not use the credit card and was not responsible for the late payments report. I have not made any payments to XXXX XXXX XXXX, by their reporting a XXXX balance it suggest to the credit reporting bureas that I was in fact responsible for this transaction and guilty of a late payment which has since been settled to a XXXX balance. Due to the incompetency of this organization my credit score has been adversely affected. I am kindly soliciting this organization assistance in reinstating my good name which I have worked very hard to maintained. Thanks for your support in this endeavor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have hired a company to resolve this and they have not been able to do so. XXXX XXXX has reported information correctly about my payoff. The Credit Bureau is mispresenting the information. There were two late payments because of XXXX 's error. The mortgage was paid in full and closed in good standing.

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 2015-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There is a hard inquiry from XXXX XXXX. I have never been there and have never applied for credit through them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I check my Transunion, XXXX and XXXX weekly for errors because I am in the process of repairing my credit. I checked Transunion on XX/XX/2017 and 2 accounts were removed the week of XX/XX/2017 and XX/XX/2017 and reinserted on XX/XX/2017 Spoke with Transunion on XX/XX/2017 and the Supervisor stated only 1 account was deleted. The other account in question is XXXX XXXX XXXX ( reinserted ) without any notice to me. Also 7 credit inquiries were also removed and reinserted.

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: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX can not be verified properly. The company that hired this company, XXXX, should have billed my insurance company and failed to do so. My insurance company paid for the emergency room visit. The failure of XXXX to get paid is their own doing. 
The Date Opened on my credit report is listed as XXXX, which is incorrect. The date opened according to FCRA should be XX/XX/XXXX. Thus, this should be removed from my credit report according to the FCRA. 
Lastly, I never received a bill from XXXX XXXX or XXXX. Per my discussion with them in XX/XX/XXXX after viewing my credit report, they asked me for an address because they did not have one on file. They admitted they were mailing to an XXXX address. However, I was a resident in XXXX the entire time in question. 

The attached documents clearly show that the hospital was paid. Therefore, if the ambulance company had done its proper due diligence, they could have been paid as well. Thus, XXXX did not perform proper due diligence to verify the legitimacy of this debt.

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

Complaint narrative:
As of XXXX/XXXX/2016 my injuries were removed but upon pulling my recent credit report today i see that they have returned. I would like this removed 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 2015-11-05 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 some items that I believe they should n't be in my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 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: NY

Complaint narrative:
Transunion report does not include any of my credit lines or loans. I contacted Transunion regarding this issue and they were able to create a file for me and assured me that my credit lines and loans would appear within 30-90 days. However, its has been over 4 months and there is nothing on my report. I have checked the identity information on the report everything is 100 % correct. I 've also contacted credit card companies and they were not able to resolve the 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 2016-08-11 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: NC

Complaint narrative:
Phone Numbers, Addresses, & Inquiries Associated With My Credit To Where I Am Unable To Acquire An Annual Credit Report For The Inability To Answer The Questions Truthfully

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 2016-06-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Glass Mountain Capital, LLC
State: TX

Complaint narrative:
To. Consumer Financial Protection Bureau Greetings, My name is XXXX XXXX I was XXXX Military Because of XXXX. 
after almost a year of struggle I could not afford to pay my debt so I decided to enroll in the Debt settlement program so far I already pay a Total of {$25000.00} to the Debt Settlement Company which taking out from my XXXX Payment from Dept. of Veterans Affairs. and automatically withdrawn from my Bank. the debt settlement company promise me to settle of my debt one of them are XXXX credit card the debt settlement company notified me that the XXXX accepted the settlement through Glass Mountain Capital LLC for the amount of {$5800.00} this was settled by installment basis and the debt settlement company charge me a total of {$1800.00} just a settlement fee for this account. now base on my research the debt settlement company paid the Glass Mountain Capital LLC through auto payment but the Glass Mountain Capital LLC did not accept the last two of auto payment in the amount of {$180.00} so that the account remain open and per Global Client Solution account statement they reverse the payment and I found out they sold me to another collection agency. I want to file a complaint against Glass Mountain Capital LLC because of unfair techniques of collecting payment to a helpless people I hope this will serve a Lesson in the future Victims. I wish your Department can help me, and also can you Please Bring this case up and report it to the Congress. I will disclose a Involving party. 

XXXX XXXX XXXX Glass Mountain Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Tel. # XXXX XXXX, XXXX XXXX Tel. # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Student loans are more than XXXX and have been closed with original loan servicers paid off and are XXXX through XXXX for XXXX they are no longer delinquent since XX/XX/2016. Bankruptcies were XXXX or dismissed but still reporting violating confidentiality. Collection accounts for utilities companies are invalid. Accounts remaing after bankruptcy XXXX. Request removal of all inquiries. This prevents my family from for qualifying for any mortgage. No change in my credit score since bankruptcy XXXX and have opened new auto loan and credit cards. XXXX XXXX and Transunion are the violating companies.

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