vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX XXXX I received a letter from a creditor lowering my limit due to a discharged debt on my credit report. I obtain my report and discovered a debt Listed as " XXXX XXXX '', Industry Type -- XXXX, Address- XXXX, MN, XXXX, Account Balance $ XXXX/Charged Off. I HAVE NEVER HAD AN ACCOUNT, NOR ANY BUSINESS DEALINGS WITH THIS COMPANY. I initiated an online dispute with Transunion on XXXX. On XXXX Transunion results -- '' Verified No Change '' On XXXX I requested a INVESTIGATION, by Certified Mail because I was not satisfied with findings-stated No Knowledge of the Debt, and never any business dealing with the company. Upon checking my credit file I reviewed my " updated '' file at Transunion. Again this XXXX XXXX was listed as a an Adverse Account, EXCEPT, the loan type/Industry was now changed to XXXX. It stated Date Open was the same XX/XX/XXXX, Date Closed -- XXXX, Payment received {$0.00} and High Balance {$1000.00}, there was a phone number added XXXX. I did not try to contact this company because I have never had any dealing with them period. I did write another letter to Transunion, sent Certified mail on XXXX XXXX, XXXX, requesting information on discrepancy of the Industry type and loan type. I requested information on how the debt was verified. I received a letter from Transunion, dated XX/XX/XXXX, stating " based on information provided to Transunion, our records show that the information you disputed does not currently appear on your Transunion credit report. '' On XXXX XXXX upon review of my Transunion credit report, THIS ACCOUNT IS STILL LISTED AS AN ADVERSE ACCOUNT. I called Transunion and could not reach ANYONE who Would explain the contradiction of their letter dated XXXX XXXX and the credit report that I reviewed on XX/XX/XXXX. I have not contacted XXXX XXXX, I have never done business with them in their XXXX nor their XXXX businesses. I would appreciate you help, Guidance, direction and/or instruction on correcting this ERROR and removal from my credit report. I have NEVER had a negative/adverse report from my creditors. Thanks You

Company public response: Company 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 — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX XXXX I checked my credit report and all inquires were deleted. As of XXXX XXXX I checked back and now they 're replaced back on my credit report which has brought score down significantly.

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 2016-08-25 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: GA

Complaint narrative:
I requested a report from all three agencies over 3 months ago through " AnnualCreditReport.com '' I have not received anything as of yet. I need a copy of these forms expeditiously. Can you please help me? Thank you in advance.

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: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
do not no who XXXX XXXX is i have never used that name or anything else on tranunion, and a address in XXXX XXXX i have never live there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom it may concern, Previously credit report has been deleted from my credit report because of identity issues and violation of the fair reporting act. And has previously been reinserted back on my credit report

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 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute with all 3 credit bureaus in reference to a Public Record/ Bankruptcy, the Docket # is XXXX. It was stated to me through updated credit reports that the information was verified through XXXX. I contacted XXXX, because and was told that no one has contacted them about my consumer report between XX/XX/XXXX and XX/XX/XXXX. I requested verification of the accuracy of this information being reprted. Since XXXX was not contacted by any Credit Bureaus, I would like to claim that the information that is being reported is erroneous.

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 2017-03-29 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I am a victim of identity theft and noticed a collection from AD ASTRA. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. These are the only adverse items on my credit report and it has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX XXXX previously XXXX XXXX XXXX they have refused to comply. Litigation Case XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX County Superior Court.

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 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has over XXXX unauthorize inquiries and Negatives on my credit report. 
My VA Mortgage of {$1700.00} is not reporting correctly as my VA Mortgage was modified on XXXX XXXX. Also I am requesting that Bankruptcy XXXX Discharge by Federal Judge is not displayed on my credit report and files or Public. 
I am on XXXX and Retired and under the Department of Justice of XXXX XXXX Congress XXXX I respectfully should be accomendated. 
I am a XXXX XXXX XXXX Military Veteran.

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 2016-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
My account with XXXX was settled eight years ago, but it is still showing up as a negative on my credit reporting with TransUnion.

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 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The TransUnion company has a policy of updating there information every 30-90 days. To a user taking responsibility of finances is being forced in some situations into losing more finances. with the movement of data information at a moments notice, the stroke of a key, this company and any other company should only have 7 days to process that data. 
When I paid all my debts off every company evolved was able to slow mail me with a guarantee that I would receive the letter in 5-10 days. If these companies a lot the time and personnel to that, they should be forced into posting any updates in under 7 days and be forced to update there software to do this for them. 
They should be making themselves more accountable for timely accuracy instead of rules and by laws to protect themselves. Someone might say " well you should not have got your self into this situation ''. My only reply is that 's history because today I am getting my self out of the situation and TransUnion just cost me over {$400.00} in getting a loan that was assisting me in taking on my financial responsibility. Both Equifax and Experian excellently up dated the same information that day while on the phone with them or with in 2 or 3 days of my paying all my debt off. 
sincerely XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had XXXX XXXX XXXX as my provider. I wanted to change my plan, so I brought the account current and when I update my plan I was quoted {$180.00} a month. The XXXX bill I received they charged me over {$240.00}. I called and let them know that that is not what I was quoted. They said they would fix it. I received the next bill and I was overcharged again. I called and they stated that they would again fix the issue. I told them that I planned to terminate my service and that we needed to settle the dispute. I send them a history of my payments, I did so with no response. I then discontinued my account with them. They contacted me and told me it was a remaining balance. I sent in again my payment history and they said again, they would contact me with an update. It has now been reported on my credit report. I disputed the charges and they were removed. I checked back later and they are back 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 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Several years ago I purchased a car from XXXX XXXX. At the time of picking up the car I had auto insurance with the XXXX XXXX XXXX XXXX XXXX Michigan and I told the dealer to contact my insurance agent and transfer my XXXX insurance policy to my new car. 
The salesman only was interested in delivering the car, and without my permission contacted an agent who purchased an insurance policy with XXXX XXXX. The policy never went into effect, I never bought insurance from them as I had valid insurance with AAA. 
The fact that XXXX XXXX is alleging I owe them {$1100.00} is part of a criminal fraud between their agent and the dealership salesman. 
XXXX, XXXX a credit collection agency for XXXX XXXX is adversely reporting a collection account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
account with XXXX XXXX XXXX for {$36.00} has been paid in full Original XXXX on XXXX 2014 this account is showing open. after contacting XXXX XXXX and been tolld account is paid in full and closed and was to be removed from all XXXX credit reports still shows open and on reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 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:
I have noticed that each month Trans Union is LOWERING my credit score that it is reporting to XXXX XXXX, and all businesses who inquire as to my credit. They have now, this month provided my creditors with a BELOW AVERAGE score, which is FALSE and slanderous. This is deliberate to thwart my attempts to further my business associations. I have XXXX late reporting and XXXX past due on ALL of my credit accounts and Above Average ratings with all of my creditors. There response is insufficient reporting time for each card. YET MY SCORE WAS ABOVE AVERAGE MONTHS AGO, SO HOW THEN IS THAT AN HONEST SCORE REASON, WHEN MANY MORE MONTHS HAVE GONE BY, ONLY STRENGTHENING THE TIMELINE FACTOR. The other negative explanation stated was too high of balance to credit line, yet I pay almost XXXX percent of my balance EACH MONTH ... .miles more than almost all credit consumers. I have been battling FOR YEARS with the credit reporting agencies committing criminal intrusion into my credit file, and it appears it is STILL CONTINUING. No law abiding, fair credit reporting agency would provide FALSE AND DEFAMATORY information on a credit file. I will continue to take legal action EVERY time there is an issue with my credit files an reporting as it appears, I have no choice, being that these types of misinformation have been going on for several years now in my credit file. I want the CORRECT ABOVE AVERAGE SCORE REINSTATED TO MY CREDIT FILE, OR I WILL TAKE THIS TO COURT.

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 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Arkansas XXXX XXXX XXXX , XXXX was paid in full on XXXX XXXX, 2014. We have the letter from them stating the account is 'PAID IN FULL '' and the Promissory Note marked " PAID IN FULL ''. This has been continuously reported unpaid. Account # XXXX. I, XXXX XXXX, was guarantor on the note, the note is originally in the name of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 
The paid in full came from XXXX XXXX General Manager.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
it says I have new employer called XXXX. This is totally wrong. Ive been retired for XXXX yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX did a hard inquiry and Transunion provided this data without my permission. I provided permission to XXXX to do it only once 1.5 years ago. 

Inquirer 's contact data : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
This company is once again trying to collect a debt that they claim I owe but will not validate. I have asked them for verification before and they did not provide 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 explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is for wrongful information on my credit report. This XXXX XXXX has no proof of my responsibility to agreeing any type of terms to them. I shown proof in the District Court where there held a wrongful debt against me. They had no report to collect from me. The Judge XXXX XXXX dismissed the case in XXXX XXXX and I was awarded not guilty. I have further records from the court proceeding if needed to prove this case against XXXX XXXX. I have been in great standing with my other creditors. I do n't know how to upload the court documents to prove my case on this matter. I am willing to find a way to send at a later date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit was ran with someones elses social. with my demographics. they have access to my report. the company attempting to collect money from me sent the proof of the application and the credit report from transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have made several requests for Trans Union to verify with whom they received information regarding an item posted in my credit file which I have informed them is not mine. I forwarded a copy of the letter to the creditor to verify the debt as mine and they could not. But, I want to know with whom the credit bureau spoke with to allow them to keep " verify, no change '' report in my credit file. The debt is not mine nor could the creditor properly verify the debt as mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
transunion credit reporting refuses to correct a mistake even though documentation proves otherwise.

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 2016-12-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
AFTER ACKNOWLEDGING FRAUDULENT ACCOUNT RBFCU WAS ON MY REPORT THEY REINSERTED THE ACCOUNT WITHOUT INFORMING ME OF WHY AND MOST DISGUSTINGLY AND IN VIOLATION OF THE LAW HAVE BLOCKED MY ACCESS TO MY REPORT. I HAVE SENT CMRR 3 TIMES NOW MY SSN ID AND EVEN POLICE REPORT TO ABSOLUTELY NO AVAIL. THE BANK EVEN FOUND THAT THE ACCOUNT WAS FRAUDULENTLY OPENED AS WELL AS THE XXXX OTHER MAJOR CRAS. TRANSUNION CONTEMPT FOR THE RULE OF LAW IS TROUBLESOME AND EACH DAY IT REPORTS I SUFFER IRREPARABLE HARM

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 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I initiated a dispute with all XXXX credit bureaus regarding XXXX XXXX credit card account XXXX. The investigation came back as verified, however I did not ask for verification that the account was mine, I asked the CRA to verify the date of first delinquency being that there is conflicting information for this account as to when the first delinquency occurred ( see attached report ). This account is approximately 7 years old and should be deleted from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I paid my collection to XXXX XXXX for the amount of {$180.00} and they told that already udpdate my credit to all the credit bureaus XXXX, XXXX, TUC but all XXXX agencies they still show in collection not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 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: IL

Complaint narrative:
I attempted to view my free annual credit report yesterday XXXX XXXX, 2016 and was able to obtain XXXX and XXXX, however TransUnion redirected me to a page that gave a " four zero four - page not found '' error, and my browser indicated there might be fraud alert. I tried this twice and got the same result. 

I submitted a contact form via the Annual Credit Report website, however there is no way to confirm resolution. I would like a copy of my free annual credit report from TransUnion as well as confirmation that there is no fraudulent activity on my report. 

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