vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I disputed a judgement on my Transunion credit report for a judgement for XXXX XXXX. I provided them with a copy of the judgement that shows the judgement was rendered on another person 's name, not mine. Despite the fact that i provided proof that my name was not on the account, Transunion still replied and stated that the account was mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Some addresses listed on credit report belong to another family member with the same last name I believe you have me confused with another family member

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have several accounts, inquiries, addresses, and name aliases that are fraudulent and incorrect i have a police report with the officer information XXXX badge # XXXX report number XXXX along with id theft affidavit notarized and my social and driver license .... please review this info ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This is a letter that I faxed to XXXX XXXX 10 days ago and I received no answer. 
Dear Sir, Madam, I got your fax number from a nice lady that I talked to when I contacted XXXX. 
My name is XXXX XXXX XXXX and I have a XXXX credit card, that I use very rarely. ( acct. number : XXXX ) However, I used it a few months ago and went for a vacation to XXXX to take care of my sick mother and later I went for vacation with my kids. Therefore what happened to me is really my fault, but I would like to ask you for reconsideration of my case. 
I did not pay my bill for 2 months. The balance was about {$80.00}. 
Being on vacation, I missed your statements ( in the pile of my mail it was n't difficult, and also, I pay all my bills electronically, so I might have missed a paper statement ) My balance came to my attention after an agent from your bank ( XXXX XXXX ) called me ( XX/XX/XXXX or XX/XX/XXXX, ca n't recall exactly when ). I paid my balance promptly over the phone. 
Last week I got my credit score to my bank and I noticed, that it went XXXX points down, from excellent, to barely good. I know, that this is going to be on my record for 7 years. 
I would like to bring to your attention, that I 've been working on my credit history for all my life ( I am XXXX years old, divorced mother of XXXX ), successfully paid for my college, mortgage, various car loans, credit cards, all my household and phone bills and I almost never missed payments. My loans were often very high and I managed to stay in the excellent credit range. 
I would like you to reconsider your decision to report my mistake ( of not paying {$80.00} ) to credit bureau and essentially wiping out years of my excellent financial standing for under {$100.00}, 2 cycle missed payments, that was promptly paid after the phone call. 
Please let me know if there is anything you can do about my case and please advise what should be my next steps if there is nothing that you can do at your end. I would like to avoid the consumer agency complaint. 
Thank you so much, Best regards,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX is reporting a collection account from XXXX on My Transunion, XXXX, and XXXX credit report as an open account. There has been several requests for validation of debt, but none provided from each credit reporting agency. I have no knowledge of said debt. I am also concerned because this information was shared illegally ( third party ) without my informed and expressed consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Credit Report Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for 5 years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in Utah 2 years, it would be easy just to ask when and where the charge occured. Can you please have this corrected? 

I would like debt validation : CREDITOR/DEBT COLLECTOR DECLARATIONPlease provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Continued phone calls does not leave a message and when I answer they hang up. If you goes to voice mail they leave a message and no one talks.

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 2016-07-28 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: IL

Complaint narrative:
have been a member of transunion reporting service for over 10 years, went to check my report the other day and my service was cancelled and i was told i need to reapply and pay double my old rate. my credit card was still active and yet we never received any messsages about why they would have cancelled the service. they claim my card had expired yet it is could through XXXX 2016, then they said i cancelled the service which isnt true. when we contact them they shift us from on uneducated foreign speaking person to another. then they will not let us speak to a manager to escalate the issue and then finally provide us with name of a person who when we call to talk with him he is never in. finally whoever then we are routed to wants to start he discussion from scratch as if they have no notes of our complaint or our conversation. we have also filed a complaint of consumer frauf with the illinoi attorney generals office

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 2017-03-22 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:
COLLECTIONS AND XXXX INQUIRY WAS DELETED FROM MY TRANSUNION CREDIT REPORT SO I CALLED THEM TO SEE WHAT 'S GOING ON BECAUSE IT WAS DELETED AND THEN 3 DAYS LATER IT WAS REINSERTED I TALKED TO XXXX IN CUSTOMER CARE AT TRANSUNION AND HE REPLIED THAT THERE IS NO ISSUES WITH TRANSUNION AND THAT I MUST TALK TO XXXX WHICH IS THE ONE THAT IS PROVIDING THIS INFORMATION I EXPLAINED TO THE REPRESENTATIVE THAT I ALREADY CALLED XXXX WHICH IS THE ONE THAT MONITORS XXXX OF MY CREDIT BUREAUS AND STATED THAT IT IS TRANSUNION ISSUES NOT THEM BECAUSE NOTHING CHANGED ON THE OTHER XXXX BUREAUS IT WAS JUST TRANSUNION I ALSO MENTION THAT THEY ARE VIOLATING THE FCRA LAW BECAUSE I WAS NEVER NOTIFIED BY MAIL WITHIN THE 5 DAYS OF THE ITEMS BEEN REINSERTED AS THE FCRA STATED AND HE REPLIED THAT HE COULD N'T HELP ME. I DEMAND THAT THE FOLLOWING ITEMS THAT WERE REMOVED AND REINSERTED BACK TO MY TRANSUNION REPORT BE DELETED AS THE FCRA STATES AS I WAS NEVER NOTIFIED ABOUT THIS ISSUE WITHIN THE 5 DAYS THAT FCRA LAW SAYS THE ITEMS ARE XXXX # XXXX,,,,, XXXX # XXXX,,, ,XXXX # XXXX,,,,, ,XXXX # XXXX,,,,, XXXX # XXXX,,,,, ,XXXX # XXXX,,,,,,, XXXX # XXXX,,,,, XXXX # XXXX,,,,, XXXX # XXXX,,,,, ,XXXX Requested On : XX/XX/2017

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 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX XXXX, 2016 I reached out to Transunion because my local credit union ( XXXX ) had informed me that there was a statement on my credit report that says, " INPUT SSN REPORTED AS SUSPICIOUS OR MINOR SSN '' ( on page XXXX of XXXX ). I was told by Transition that I need to send in my birth certificate, a copy of my ss card, and an explanation of my issue. I do so and I followed up as instructed, 3-5 business days so on XXXX, XXXX, XXXX ( 3 phone calls that day ), XXXX, and XXXX. As of today I am still getting the run around that my file or case is being handled by a dept or someone beyond their ( the rep that I am conversation with ) control. I have been told that my file had to be sent over to a manager/supervisor for resolution. Today I fear that my mortgage loan is in jeopardy because of the nonchalant attitude towards my situation. Each time that I contact Transunion, I explained to them the urgency of my situation. As of today, the hawk alert is still sitting on my credit report and NO ONE has reached out to me nor have I received any mailings to reflect a resolution.

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 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a public record on my credit report that has not been verified correctly. 

The courthouse does not provide or furnish information to credit bureaus. Therefore, the public record needs to be deleted from my credit report 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 explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion is refusing to block fraudulent information on my credit report. I spoke with a representative by the name of XXXX in the Special Handling Department on XXXX/XXXX/2015 and was told that TransUnion had not received my police report and that was why XXXX fraudulent account continued to report in error on my credit report. She indicated that the other fraudulent accounts were blocked because XXXX had received my police report and shared the information to block the items. She indicated that I could send her a copy of the report via fax and she would promptly block it in accordance with Section 605B of the Fair Credit Reporting Act. She also indicated that it was already being investigated, but she would block it with police report. 

I called in today to learn that it would not be blocked and that it is being investigated and that she did receive the police report detailing the fraudulent account, but since it is already being investigated it is nothing she can do. I also sent in a copy of my drivers license with my new address on it and I am being told that she did not receive it with the police report. I have verification that all pages of the fax went through successfully.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit report shows a judgement that should have been taken off. It has been close to 8 years and it is still there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The XXXX XXXX XXXX account, is incomplete and then not reporting correctly. 

1 This account, was closed XX/XX/2015. 
2. Its Pay Status should be " Closed '' and not Current 3. The Payment received field says XXXX, when this is inaccurate 4. The Pay History is incomplete - please Validate this account, and update the pay history for this account XXXX. The Balance History is incomplete - please Validate this account, and update the pay history for this account

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 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
When going through the verification process it was asking me questions about a mortgage loan which I have never had. Also, while on unemployment I was notified that the State of Oregon 's XXXX database was hacked and I never received identity theft protection. I know that there is erroneous information on my reports and I can not access it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX is reporting inaccurate information on my credit report I disputed information with the credit reporting bureau, advised that information reporting is wrong the balances does n't match the close dates etc. This account is reporting several different inaccuracies and should be removed from my credit report or updated correctly the credit bureau stated that they have conducted and investigation and information was updated however my credit report shows no change in this frivolous account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have in the past dispute collection agencies derogatory remarks on my credit report. They have been removed and keep reappearing on my reports. These remarks have been removed from experian, yet after requesting them to be removed from equifax and transition they still remain. This is preventing me from obtain my mortgage loan. I think the XXXX credit bureaus should be communicating and reporting the same information. Or dissolve them to XXXX national credit bureau, as this is very time consuming to work with XXXX bureaus to clarify my credit information ... .PLEASE HELP

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

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX my credit report was pulled to purchase a house, there were no inquiries reporting at the time, my report was pulled. After recently going thru the initial steps to buy, i noticed that there are inquiries now reporting on my file, in which i did not authorize.

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 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I paid my Tax Lien that was filed by the state of California and the lien has been released for several years now. I contacted the state office and asked them how to remove the lien of my credit but they keep referring me to the XXXX credit bureaus. I ha e filed a disput with all XXXX credit reporting agencies several time but they will not remove the released lien. The credit agencies keep telling I have to contact the state. I feel like I 'm going in circles and can not find a solution. 

Please helpThank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX is still showing the last payment made wrong. The last payment was made on XXXX XXXX but they are reporting that the last payment was made on XXXX XXXX. I have already contacted XXXX XXXX XXXX and Transunion but nothing has changed. I had a XXXX in XXXX and was XXXX and lost my job. There is no way that I was able to pay the mortgage during the time I was admitted in the hospital. I asked XXXX XXXX XXXX to send me any kind of proof like a cancelled check showing that a payment was made in XXXX XXXX but no one has answered my request. I think someone else sent in a payment and possibly my account was applied this payment by mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Debt is not mineDescribe what happened so we can understand the issue ... 

I have received a XXXX point reduction in my credit score from transition When I got my score in XXXX it was XXXX in XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them XXXX XXXX.. ) This bill is showing as 1 year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to XXXX. I called XXXX who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling XXXX again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with Transunion and explained that I never received an itemized bill from either XXXX or XXXX. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX in XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a 0 balance '' and was told by the billing department that I had a 0 balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 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:
The debt collector is reporting false information on a debt I do not owe. Trans Union is reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
At the end of XX/XX/XXXX i misplaced my wallet ( which had my USAA membership card and all my info along with my debit card in it ) and the wrong hands found it because within the next couple of days i had XXXX savings accounts opened in my name, which i did NOT authorize my any means. Whoever opened these accounts deposited fraudulent checks for various amounts of money, coming up to be around {$4000.00}, which ended up returning and putting MY account negative almost {$4000.00}. I have been trying to resolve this issue with their financial institution for 5 months now, i have called and called and my step mother ( the joint over on the account ) has called and called and they always say they will call back within the next couple of days and NOBODY CALLS. I have never received a phone call back for as long as this has been going on. Every time i call and talk to someone they can never help me and say that the person who can help me will call me and they just never do. I was told i was going to be held responsible for the negative balance on the account and that is completely unacceptable, then i was told the amount had been charged off so now its going to go on XXXX credit report. On top of all of that, i got my paycheck the Thursday after the incident happened, which was direct deposited into my checking account, which got put on lock down, so to this day i still have not seen that {$310.00} and that is a lot of money to a XXXX year old busting her XXXX at work for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation