vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-20 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:
On XXXX XXXX, 2016 I submitted a certified letter to Transunion disputing inquiries on my credit file. " XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ''. I also contacted Transunion by phone to try and resolve the issue. I have since received XXXX credit reports from Transunion dated XXXX XXXX, 2016 and XXXX XXXX both reports are still reporting the incorrect information.

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 2016-03-25 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:
I have submitted XXXX different letters on XXXX different dates requesting items on my report be verified with documents with my original signature per the FRCA which STATES Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : Paraphrase : The information in the credit bureaus files ( not the creditors files ), mentioned above, is the information that they store in their computer base on every consumer. Then 610 ( a ) ( 1 ) [ 1681h ] identifies the proper identification required ( driver license and SS card ) + a written request by the consumer. Basically it says that if a consumer asks the correct way, in writing, and has properly identified themselves, the XXXX bureaus are required to disclose to the consumer exactly what documents are stored within their computer base that were used to verify the information that is being reported on them. They refuse to show you anything because they do n't have anything in their files to show you. Instead they tell you to request these documents from the original creditor. 
2. Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section -- Paraphrase : This says the same thing as above ... they will disclose the information requested to the consumer. 
3. Page 37 ( 2 ), ( E ), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. 

each time I have been sent a letter stating information has been updated but I have received no documents. today I spoke with XXXX and her supervisor at Transunion and was advised that as long as the creditor keeps updating they do n't have to verify my records and will not be removed I want all items that do n't have original documentation 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 non-monetary relief
Consumer complaint received 2015-11-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XXXX/XXXX/2015, I contacted TransUnion concerning several hard credit inquiries appearing on my credit report. These inquiries were made by third parties who DID NOT have my permission to pull the report. I made TransUnion aware that the companies/organizations who gained access to my credit report had no permissible purpose under the Fair Credit Reporting Act and that TransUnion had the responsibility under 15 U.S.C. 1681i ( a ) ( 5 ) to remove credit inquiries occurring without obtaining permissible purpose from the consumer. TransUnion has ( 1 ) refused to make the violators prove that they had permissible purpose and ( 2 ) refused to remove the inquiries from my credit report after failing to obtain permissible purpose from the violators.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I worked very hard to pay down my credit card balances and improve my credit score. Transunion for some reason has the same credit card on my credit report XXXX ( no other credit bureau has this mistake ). I have phoned several times to have this issue remedied. When phoning the first time in early XXXX, I verified with the representative that both of these items had the same account number, an obvious duplication. I was told an investigation would take place, which might take 30 days. I am not satisfied with this response, particularly with the duplication being so obvious. I then followed up with XXXX who then sent me a letter via email, verifying that I only have XXXX credit card account with them. I faxed this to Transunion who stated that this new item would be reviewed within five days and a determination made. I instead received a letter stating the new documentation would extend the investigation to XXXX XXXX. This is unacceptable. This issue is affecting me financially and emotionally. I am trying to secure a home, but can not because of this issue. My family is planning to move, but is delayed because of this issue. I am being denied because of my Transunion score which is inaccurate. I am attaching all documents sent to Transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Consumer Financial Protection Bureau, I am very excited to have found you and know that you will be able to help my situation. 

Right now, my husband and I are closing on our house on XX/XX/XXXX ( 14 days from now ). When we obtained an updated copy of my credit report, I noticed that there are 90 day late payments on my XXXX student loans that are being serviced by XXXX. Acct # XXXX. 

Additionally, they are reporting an " Account Status '' as " Currently 90 days late ''. 

Attached is a faxed document from XXXX showing clearly that my account is current and NOT 90 days late. 

My experience in legal matters is extensive in knowledge of the Fair Credit Reporting Act. The Act specifies prohibited practices in the payment reporting guidelines. There can not be a 90 day late payment unless there is also a corresponding 60 day late payment and a 30 day late payment ( credit report attached to this investigation request ). 

I request that Transunion remove the illegal 90 day late payment history for XX/XX/2017 for all XXXX of the XXXX accounts # XXXX. Also, change the " account status '' from currently 90 days late to " Currently Paid or Paying as agreed ''. 

Thank you VERY much.

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 2015-07-03 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:
Both reporting agencys report a address for me as XXXX XXXX XXXX XXXX, Pa. XXXX. This is not correct!!! I do not, nor have I ever had or used this address. I do not know if someone has tried to get credit using my information!! This has me very concerned. Thank You for your time!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 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: AZ

Complaint narrative:
I HAVE SOMEONE USING MY SOCIAL THEY ARE IN OHIO I TRIED TO GET MY CREDIT REPORT ONLINE AND IT ASKED ME QUESTIONS TO VERIFY MY IDENTITY AND IT HAD XXXX NUMBERS ON THERE AND I LIVE IN XXXXASO I COULDNT GET MY CREDIT REPORT NOW I KNOW THEY AT LEAST HAVE A PHONE IN MY NAME PLEASE I CALLED IN TO GET MY CREDIT REPORT BUT I DONT KNOW IF THEY WILL SEND IT TO ME

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide 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 2016-09-20 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:
I was getting phone calls from a debt collector and now I looked at my credit report and there is an address in another state I never lived in and is not me .A charge card owes XXXX that I never took out. The adverse account on the charge card has the same date as the date phony address was reported. I need this off my report as evidently it a a case of fraud.

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 2016-04-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX unauthorised charged my Father XXXX XXXX 's Card # XXXX for Refinnce my car at a low rate byOpenRoad Lending who wanted to get credit score on payment of {$1.00} only but they charged on XXXX/XXXX/16 not only {$1.00} but made another {$29.00} ( by XXXX ) as regular monitoring service which was never authorized and was even within 7 days of Free Trial period ( which I did not subscribe ) but XXXX not only refusing to refund but agresively pressurizing by sending repeatedly emails and not even clearly confirming that the service has been cancelled.I suspect it to be Fraud and ID Theft by both XXXX and OpenRoad Lending.The address and contact # ofOpenRoad are XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ph # XXXX Web : XXXX.MY Father 's card was closed by his Bank XXXX when they placed the transaction under Dispute.

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 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I purchased a vehicle in XXXX of 2014 and every credit inquiry is listed twice. All XXXX listed hard inquiries are for the same vehicle purchase.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from TransUnion, XXXX, and XXXX contains multiple collection items on my credit reports from XXXX even though they are over 7 years old and actually scheduled to be removed in XX/XX/XXXX. If you noticed from the attached file the reporting dates are different and inaccurate this alleged account is from when I was in college which was over 13 years ago considering I started college in XX/XX/XXXX and graduated in XX/XX/XXXX. So considering the time frame either way the items are between 9-13 years old which is passed the 7 year mark.

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 2016-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted evidence/proof that my account from XXXX was never paid late., and that It was an error on the creditors part. My Bill was paid ON TIME, never late. The creditor failed to apply my funds in the way directed. All parties are aware of this fact. The credit bureau failed to do a proper investigation and refused to remove the incorrect information from my credit profile which has caused personal hardships.

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 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Since my bankruptcy discharge, XXXX XXXX, 2016. I have disputed incorrect information on my credit reports through all XXXX major credit bureaus multiple times online over the past 3 months. This is becoming very frustrating and although all XXXX CB 's with each complaint, did slightly alter some information such as " chapter XXXX '' when I filed chapter XXXX, the post bankruptcy reporting is not per the Fair Credit Reporting act. All XXXX of the accounts still showing as negative, charged off, are keeping my scores in low XXXX 's. As well at my debt to income isnt accurate. Please assist me in this step of my attempted credit repair?

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 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A state tax lien from XXXX 2010 should have been removed, I entered a complaint through CFPB, and Trans Unuion stated that it would be removed. However it is still showing on my credit report. 

This is a Released tax lien that was filed in error and should not have been on report to begin with, I am asking that Trans Union remove the tax lien.

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 2016-07-13 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:
I contacted Transunion on XXXX/XXXX/16 and requested that all inquiries on my credit report be removed due to their error in deleting them and then placing them back on my report without providing notification to me of such. I was hung up on four different times. Each person that I spoke with had a different justification for why they would not remove it. The XXXX one said that they would n't remove it because I did n't have any inquiries between XX/XX/XXXX and XX/XX/2016 which I explained did n't matter because all my inquiries were removed and that it was a violation of FCRA Section 611 paragraph B ( II ) to place any back on without notifying me. The XXXX person said that their records did n't indicate that I was affected by their error, to which I asked what proof they had of that and never received an answer. By the XXXX person I asked to speak to someone in the Special Handling department in the US and was told they could not transfer me nor allow me to speak with a supervisor. The XXXX person told me that they had provided notification to me about placing the inquiries back on my report. Again, I asked for proof of this and they were unable to provide me with the details of how and when it was sent. The Transunion error affected everyone and now they are refusing to take ownership for their mistake. I respectfully request that all inquiries on my Transunion credit report are removed as they are in violation of FCRA Section 611 paragraph B ( II ).

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 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion has an old charged off XXXX credit card on my credit report. The account was last reported in XXXX/XXXX/2007 with a balance of {$790.00} which makes it over the 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30 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:
I was denied credit by my bank based on a trans union report on XXXX/XXXX/15. Trans Union will not provide my credit report. I have written them to request my free report on XXXX/XXXX/15 and have the return receipt form the post office showing they accepted the letter on XXXX/XXXX/15. I have uploaded this return receipt. They are still denying me my report. I tried requesting it through freeannualreport.com. They give confirmation questions with info from my file. None of the info for accounts showing opened under my name is mine. When I answer honestly, the site says that based on my answers, they are not able to provide my report. When calling their support line, the call is routed to XXXX, and they do not understand what return receipt is and they do not understand the federal law that says I have a right to my report. When I ask for a supervisor, they hang up on me. They have hung up on me 29 times now. I just want my credit report. Can anyone help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16 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:
Recently pulled my credit report and there were several fruadulent account on my report that dont belong to me and nor did I authorize. 
1. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Also the following are fraudulent names, addresses and telephone numbers XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX Ct, XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, MD XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been disputing specifics on my credit report for months now and they keeps sending the same generic letters back - As a consumer I am entitled to proof of how the specific account was verified and who was spoken to and the documents sent to me directly.

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 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have this happen every six months and it needs to stop this is violating my RIGHTS. I do not know what else to do. Transunion, your company has someone else social, addresses, accounts and name listed on my personal credit file. This HAS TO STOP! It is not fair to me. 
REMOVE THE FOLLOWING WHICH IS NOT ME Name NOT MINE XXXX XXXX XXXX SOCIAL NOT MINE XXXX MANY ADDRESSES TO MUCH TO LIST AND ACCOUNTS XXXX # XXXX, XXXX XXXX AC # XXXXXXXX # XXXX XXXX # XXXX. I CONTACT YOUR COMPANY IN XXXX AND IT WAS FIXED A COUPLE MONTHS LATER YOUR COMPANY PLACED ALL THE STUFF BACK ON. AGAIN NOT FAIR TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a XXXX XXXX account for XXXX XXXX XXXX dated XXXX/XXXX/2011 in the amount of {$160.00}, for what? I have no knowledge of this account, charge nor did I recieve a bill for this service. I have insurance with deductible which was met this year so what is this charge and for who, what was done? This is more false, inaccurate credit reporting. I was never notified of any bill. I want this removed 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