vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Someone opened up an account in my name that I never did I 'm only XXXX and never had an account before

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 2015-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
The XXXX placed an illegal lien against me in XXXX XXXX when the person holding my power of attorney had entered into negotiations with the XXXX to make payment arrangements and to revise and resubmit my tax filings for the years in question in XXXX XXXX. Per an XXXX agent in XXXX Idaho ... .this filing was in direct violation of XXXX rules and procedures and the lien should never have been placed. The check for payment was then processed by the XXXX for the full amount one week later which means it was probably held up by mail volume at that time. Per my credit check in XXXX XXXX, the XXXX had not released the lien which, even if it was legal, should have been satisfied more than four years ago and reflected that fact on my credit record. It is the XXXX administrative incompetence that has caused this problem and now both Transunion and XXXX are refusing to correct my credit report to reflect 1 ) that the lien never should have been placed and 2 ) that it was satisfied in XXXX XXXX anyway. I submitted documents given to me by the XXXX agent in XXXX and XXXX is saying that it is not enough, and Transunion is refusing to remove it at all from my credit record with no explanation saying it will remain on my credit record until XXXX, when it never should have been made in the first place. So because Transunion and XXXX would rather play nice with the XXXX rather than do the right thing, my credit score is about XXXX pts lower than it should be. I would like XXXX these companies ordered to remove any record of that tax lien from my credit record as XXXX has done. All XXXX companies received the same information and the same letter from me explaining that the XXXX up but only XXXX understood the issue. If they still refuse to remove any reference to the lien, I will be forced to take legal action against them in federal court for deliberate wrongful reporting of a credit record, which is fraud. I am unable to attach the XXXX records at this time but can mail you a copy if you request it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XX/XX/XXXX Please be advised that this is my 9th REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! this need THIS MUST GO TO YOUR COSTUMER SERVICE DEPARTMENT!!!!!! IN THE USA NOT TO A XXXX this was your reply .... all wrong and was in violation of the FCRA Case number : XXXX Status Company responded Trans Union said : Explanation of closure The Fair Credit Reporting Act allows : Bankruptcies to be reported for 10 years from the date of filing. However, it is TransUnion 's policy to report discharged or dismissed Chapter XXXX bankruptcies for seven years from the date the bankruptcy was filed. Voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. Accounts included in the Bankruptcy filing to be reported for seven years from the date the bankruptcy was filed. 

The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written XXXX XXXX not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. 
WRONG THEY MUST HAVE PERMISSION. TO ACCESS MY REPORT THEY DID NOT!!!!!! 


BANKRUTCY chapter XXXX for XXXX MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX XXXX NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER TOWER FED XXXX XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA remove XXXX INQUIRY ... DO NOT SAY VERIFIED I CALLED THEM AND THEY DO NOT KNOW WHO I AM AND HAVE NO PAPER TO SHOW I APPLIED FOR CREDIT. 
PER FCRA YOU MUST SHOW HOW YOU CORRECTED THE ITEMS AND SHOW HOW YOU INVESTIGATED THE COURT ORDER. 

MY ID IS ATTACHED!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 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: WA

Complaint narrative:
I was interested in a car insurance service but was surprised when their quote said I was getting a higher rate because my credit score from Transunion was XXXX. I generally have a very high credit score. I clicked over to Transunion 's website to check my credit score and discovered it was actually XXXX. As part of this process I was taken through a very non-transparent process wherein they made me a " member '' with a {$9.00} monthly fee despite no mention in the sign-up process that there would be a charge ( I discovered later that in the fine print of the terms and conditions I checked there was a stipulation that I would become a member and be charged a fee, but the actual fee was not detailed and never was it shown on the actual web portal, only buried in 12 pages of terms and conditions ). I then had to cancel and get refund from them. 

It was exactly the sort of behavior that is described in these articles that I discovered later : XXXX XXXX-XXXXXXXX, XXXX I think 1 ) they are selling a different score on their website than the one they are providing to the insurance company and 2 ) they are fraudulently getting people to sign up for memberships when all they want is their free credit report and in the process charging {$9.00} monthly for a service no one wants. It is shocking that it is continuing to go on especially since they so recently settled over the same issues. 

Please look into this further and protect consumers. I called them and insisted on a refund but many consumers would be less shrewd and more vulnerable.

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 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX account number XXXX.This account is listed on my report as last payment made XX/XX/XXXX, that 's incorrect my last payment was XX/XX/XXXX.XXXX fail to validate this account and my name is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I purchased my vehicle back in XXXX 2015 - My XXXX payment was due XXXX/XXXX/2015 - I made that payment on time payment was made in full by XXXX/XXXX/2015. I then contacted Ally the next day to request a ddc. My next due date was not until XXXX but financially my due date being in the middle of month is a better fit. So I requested a ddc and the reps are telling me I must make half of my payment in order to get a due date change. I asked the rep why is it I need to make a partial payment when I just paid you guys the previous day and also my account is not even due at this time. They are unable to give me answer only to say this is company policy. I then was transferred to someone else because I need better understanding as to why this is needed. I was still unable to get an answer. The rep only told me to call in closer to my due date and request the ddc so I waited. I then contacted Ally XXXX/XXXX/2015 to request a ddc they then in turn told me again I have to now make a {$94.00} payment in order to get a ddc I asked for an explanation no rep could give me an answer other than its company policy. I requested supervisor at this time for better clarification on this. The manager still says its company policy, my question is why is it acceptable to collect on an account the is not even delinquent or past due. She could not give an answer only gave me options. Options were to pay XXXX and get due date change to XXXX, or wait until the day I can pay on XXXX I would not get a late fee due to the state but I may get a couple of calls. I do not want to the calls about a payment that can be paid on time and also if I were to pay XXXX and go past due I am still being charged a daily perdium on the loan due to the interest rate alone. The supervisor unfortunately still could not answer the question of why money is requested for an account that was not past due. Since I was getting no where with them I went ahead and went thru ddc process and paid {$100.00} to get it done. Today XXXX/XXXX/2015 Im still waiting for my paperwork to sign and send back my ddc has not been done I went ahead and paid my car payment for XXXX on XXXX/XXXX/2015 so I was charged for 3 days of extra interest which is very upsetting. This was a bad decision to have my car financed with such a money hungry company. I would like an explanation on why Im being charged for due date change and a payment is not due. I will be contacting a lawyer in regards to this to verify if this is even legal. This is a poor excuse for a company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are reporting false information on my credit report. Improperly providing false information on a person 's credit report is a flagrant violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act. In addition, XXXX XXXX XXXX had previously deleted the derogatory mark from my credit report however they illegally proceeded to reinsert the false information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A debt collector is reporting the incorrect date of first delinquency on my credit report. I disputed the item and it was verified. In an effort to provide proof of the incorrect reporting to the debt collector, I requested in writing on XXXX/XXXX/15 via certified mail, to Transunion, a copy of the FCRA compliance date/date of first delinquency for the account in question. No where did I list the word dispute. This request was not a dispute. This was a REQUEST to TRANSUNION and not the debt collector. I enclosed a check in the amount of {$11.00}, which is supposed to be the processing fee for said request. I received in the mail a response to my " dispute '' which again was verified. I did not initiate a dispute and Transunion incorrectly initiated one. They sent the information to the debt collector for verification! They did not read my letter and did not attempt to provide the information I requested from them. When I called to request the status of the FCRA compliance date and ask why a dispute was initiated, I was referred to the Special Handling Department who did not understand how to assist me. I was routed to a call center in XXXX, where there is a language barrier and culture barrier. The representative was unable to assist me with my simple request. To date, I still have not received the information I requested, that is supposed to be available to the consumer should they ask for it. Transunion failed to read the request and provide the information I need. They also opened a dispute in which I did NOT REQUEST. However, they cashed me check!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I disputed items with Trans Union on XXXX/XXXX/16 and they have not responded to an inquiries of mine since that time. I am aware that they have 30 days to respond to me per FCRA. They have not sent me anything.

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 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
they have not addressed my concern and have not validated the accounts. these accounts have been reinserted on my file and it was deleted for been unverifiable account XXXX XXXX XXXX Status Closed Balance {$830.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$790.00} Type Collection Payment Status Unknown XXXX XXXX Status Closed Balance {$870.00} Type Credit Card Payment Status Late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hi, Accounts seem very old and odd. Do n't know if these accounts are mine. Ca n't reach any companies by these names : 1. XXXX # XXXX 2. XXXX # XXXX 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 2016-11-20 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 reviewed a copy of my credit report and XXXX XXXX of XXXX ( XXXX ) accessed my credit in the form of a hard inquiry without my permission on XXXX/XXXX/2016. 

I never authorized such action in written nor verbal form in XXXX, as I took delivery of my car on XXXX XXXX, 2016. This constitutes a clear violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please contact XXXX XXXX of XXXX and XXXX, and investigate such occurrence. 

I contacted XXXX XXXX of XXXX who initiated the inquiry immediately after noticing the issue in XXXX of 2016 and asked them to remove the latest credit inquiry from my credit profile, as they had no permissible purpose to access my credit. I have been in contact with a Finance Dept employee, XXXX. I have left voice mails for the General Manager, XXXX, that were not returned. Finally, after contacting XXXX XXXX XXXX offices, I received a call from XXXX XXXX the General Sales Manager, who warned me not to contact the credit bureaus and agreed to get XXXX Legal Department to have the inquiry removed. However, he is now unresponsive to several calls and voicemails. The inquiry remains as of this date on all XXXX of my credit reports. 

Please investigate this company. They are deceptive with no regard for consumers. The whole time I 've dealt with them, it 's been one lie after another while evading my calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 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, and TransUnion continues to report a repossession which is not associated with me, despite repeated disputes with both the CRAs and the creditor.

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 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Missing One of my major XXXX XXXX XXXX XXXX XXXX card ( credit:XXXX , history : 1+year ) from the TransUnion. XXXX and FICO score are correct. Bank is properly reporting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please be advised that I see no other recourse but to file a complaint against XXXX XXXX XXXX XXXX XXXX. This creditor is famous for using a process called re-aging of debt. The card posted was first issued in XXXX. I was late with payments at least three times between the card inception and the beginning date on credit reporting on all three credit bureaus, which is XXXX XXXX. This debt can no longer be collected within legal guidelines for the state of New York. The account was late for a first time over seven years ago, and therefore the seven-year timeline has passed. Out of the XXXX credit bureaus posted in this complaint, XXXX states a XXXX XXXX deletion of the account, Trans Union states an XXXX XXXX deletion date and XXXX states a XXXX XXXX deletion date. In essence, XXXX XXXX Bank XXXX XXXX purposely cut off two years of my payment history to extend the timeline of maintaining the account on all credit bureaus. This practice of re-aging of credit trade lines has been approached by the Federal Trade Commission as an abusive collection practice, and also a violation of my rights under the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I demand a full accounting of this account to be reviewed by the Consumer Financial Protection Bureau, showing all payment history, when all payments were posted to the account on credit, and the credit reporting history since the card approval in XXXX. I am well within my right on such a request. XXXX XXXX XXXX XXXX XXXX has no other recourse but to remove this account from all credit bureaus immediately and permanently.

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 2015-05-11 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:
CRA locked me out from accessing my free online report to dispute, unless I provide with a government ID with Photo, specifically a Drivers license and Electric Bill that does not appear on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I am a XXXX veteran. Several times as a XXXX, WI veteran, the VA send me to the XXXX hospital and clinics to be treated and they ( the Veteran Affairs Office ) pays them directly. In particular I have several debts that a ) never received notice of ; never given a chance to dispute until this year ; and they immediately sent this information to the credit bureau and collections which have failed to inform, notify or head my numerous attempts to dispute this debt. The debt collectors from XXXX XXXX hospital from XXXX 2009 assert that I owe {$220.00} from care they provided on behalf of the VA. Despite more than XXXX phone calls, and letters from the VA verifying they are going to pay it but they may some bureaucratic snafu, they still have this report on my credit report, I am not late, nor do I owe this debt!!

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: FL

Complaint narrative:
I have XXXX hard inquiries on my credit report that were not mine. I have previously called the companies and also contacted the credit bureaus. I have had no response and the negative information is still on my report. With both false inquiries, incorrect addresses were used, too. The inquiries I am speaking of is the XXXX and XXXX XXXX inquiries. I need to have these removed as my credit is negatively impacted by these errors/identity theft usages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
According to my credit report there are XXXX payday loans XXXX for {$700.00} and another for {$750.00}, on my report, after disputing both of these items the amounts owe went from the above amounts to {$13000.00} for XXXX and {$14000.00} for the other.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief