vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-05 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:
In my letter dated XXXX/XXXX/2015, I disputed a Judgement on my Trans Union report. I received notice XXXX/XXXX/2015 that it was deleted from my report. 2 days later it was re-inserted back on my report. I have contacted the court listed and they have no judgement rendered under my name! I want this DELETED from my report!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion fails to update my credit bureau report and does not notify me of any changes, additionally they fail to update my Score after I have no delinquencies. 
XXXX continue to have OLD OUTDATED information and medical bills that do not belong to me not to mention wrong information on late charges they have not investaogated and failed to contact me.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 explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX has recently authorized a credit pull without my approval and the negative mark is on my credit report. On XXXX XXXX, 2015 I asked a question and never received a response. Yet, before answering my question, pulled my credit. Please see information attached below.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XXXX/XXXX/2016 a complaint was lodge against ally financial inc for allege fraud via complaint # XXXX. Evidently this information was not pass down to its PAYMENT PROCESSING CENTER [ who letter was dated XXXX/XXXX/2016 ] who are threatening me with negative entries to the credit bureaus, this is in direct violation of Federal law, pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] with fines of {$250000.00} or imprisonment not more than 10 years, or both '', this is a DEMAND NOTICE to cease all further communication with me concerning the alleged debt that I have disputed with ally financial inc. 's and ally financial inc. 's CFO ( CHIEF FINANCIAL OFFICER ) regarding this matter. The PAYMENT PROCESSING CENTER is guilty of dishonor of my exemption and Bond sent to them on XXXX/XXXX/2016 via registered mail they are also in violation of copyright infringement, breach of trust, and extortion ...

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 2017-02-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion, XXXX, and XXXX are reporting inaccurate information on my credit report in regards to XXXX. XXXX has failed to provide any verifiable evidence that I owe them anything ( see your own investigation notes Case number : XXXX ). The credit bureaus legally has to investigate within reason a dispute. Claiming that the company verified the account information simply by responding with " verified '' is not enough enough to keep reporting inaccurate information. And although credit bureaus can report unverified, false information, they are liable for the information they CHOOSE to keep reporting.

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 2016-08-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Did n't authorize check through these creditors : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I HAVE NO IDEA WHO AUTHORIZE CREDIT CHECKS FOR THESE CREDITORS.

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 2016-04-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am on the end that suffers the most, I am innocent but the reporting agencies never make a mistake according to them, they can go on and on and after they XXXX up your life for a yr. or XXXX they say oh we made a mistake sorry, the biggest scam now is credit fraud, how do we know its not coming from the reporting agencies ill bet on that

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 2016-08-09 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:
Illinois XXXX of XXXX XXXX has inflated my child support amount up erroneously. Please see attached documentation to that effect. I have paid ahead of schedule and also have a post executed judgement against XXXX. Moreover, the alledge debt is not that the custodial parent of on Aid or belongs to the state. This is a wildly exaggerate estimate of back support that is userus and more important incorrect. When did the government get into to the business of settling perceived private debts. Debtor 's prison was outlawed a century ago ; consequently, why is this inflated incorrect amount being posted against my credit worthiness? The answer is this should be deleted immediately from my credit file.

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 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is a formal request to remove unauthorized inquiries from my credit report. I have n't applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 
Please delete all inquiries made by XXXX XXXX, XXXX, XXXX and XXXX XXXX. That is over XXXX inquires and some are for the same day.

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 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I have contacted both the creditor and the credit bureau TransUnion about an account that was opened through identity theft but neither will help me clear this matter up.The TransUnion dispute results came back as " meets FCRA requirements '' Which I do n't understand because I did n't open this account. I had my identity stolen. The other fraudulent accounts opened we 're removed. 

The account was sold to : XXXXXXXX XXXX, MIXXXX ( XXXX ) XXXXOriginal creditor is : XXXX balance XXXX and account opened XXXX XXXX, 2011.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 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: MD

Complaint narrative:
MY CREDIT SCORE DROP. AND I HAVE NOT APPLIED OR RECIEVED ANY NEW CREDIT CARD OR INQUIRES. SO HOW IS THIS POSSIBLE.

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 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX XXXX, 2016, I checked my credit report through XXXX and there were a total of XXXX hard inquiries removed from my credit report. On XXXX XXXX, 2016, I checked my credit report again and discovered the XXXX hard inquiries that had been removed earlier were now re-inserted on my credit report without sending me a re-insertion letter in accordance with the FCRA - section 611. I have called Transunion and XXXX on multiple occasions and sent a certified letter ( return receipt received XXXX XXXX ) to each reporting agency. My calls to Transunion have been answered by foreign representatives who have refused to transfer me to U.S. reps to discuss my issues. They have told me it can not be fixed and I should go to the police if I want them removed. The police have told me they can not make the credit bureau be complicit with the FCRA. I want these hard inquiries removed as required. My calls and letters to XXXX have not been responded to and it is now 31 days past their awareness of the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13 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: MI

Complaint narrative:
In XXXX and this month in XXXX I could not get my free credit report. I was only able to get it after filing a CFPB complaint last year. So I will cut to the XXXX and do it again,. This is a violation of the FRCA.

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 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is my Forth formal complaint, and asks you to investigate the business practices of Transunion. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
I have asked that XXXX Credit Card XXXX XXXX, XXXX and XXXX XXXX Credit CardJun XXXX, XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX be removed as this was opened as a result of ID Stolen. This has been Removed/Deleted by XXXX and XXXX, however Transunion has been reluctant. My ID was stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX . Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Transunion 's failure to properly adhere has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed. Failure to do so by Transunion this forth time will pave way for a suit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2016 I submitted Identity theft papers to transunion consisting of my FTC Affidavit, Police Report and some other documents supporting my claim. Today is XX/XX/2016 and the creditors XXXX and XXXX which are the same company is still reporting on my credit report after I sent in my identity theft documents explaning how them XXXX accounts do not belong to me. I also sent XXXX XXXX a copy too, and By Law since I sent them a copy of the FTC Affidavit and Police Report them items suppose to be blocked by the credit reporting agencies and also the creditors for supplying them with that pertinent information. The Law States : If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). 
When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

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 2016-07-16 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:
As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX XXXX and have had no response from Trans Union ; XXXX ; XXXX or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

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 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
well you did a case for me on XXXX dba XXXX well i just got back into transunion and looked up XXXX XXXX., which i been disputing, over again. well i got init tonight and found all my payments missing all of them wiped out the only thing i see is showing is late payment monts on it, but know paid payments. i trying to see where they went and so i did anothere dispute again. it like all my payment from my account are missing even credit card and my lind of credit from XXXX, need your help. i asked attorney general but since then nothing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I would like to file a complaint against XXXX, without researching they made no attempt to investigate the issue with XXXX. My balance for account # XXXX should be XXXX. I returned the equipment on XXXX/XXXX/15 and they never issued a credit for it, currently it 's reporting that I have a balance of {$1000.00} which is completely incorrect and should be adjusted as of XXXX/XXXX/15. They are impeding my credit score as it should be much higher than it is. Also, they are reporting under " revolving accounts '' and utilities such as home phone and cable should be installment NOT revolving. I have attached proof as well of the return.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX XXXX foreclosed on our property XXXX XXXX, XXXX, the credit report shows the foreclosure occurred in XXXX. We have documentation to prove the date of the sheriff sale. We were told to vacate the property XXXX XXXX, XXXX. We are trying to clean up our credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been working very hard to repair my credit with all XXXX agencies for two years! I have called, written, disputed and have completed everything all XXXX agencies have asked. I contacted XXXX XXXX and decided not to use their services as I have been following the exact practices myself. I have opened new accounts and all are paid as agreed. I have had derogatory items removed from all three reports. I currently only have XXXX derogatory accounts on my report, and XXXX are medical, with a total balance of under {$2500.00}. 
I have been watching my scores using the Annual Credit Report, XXXX, XXXX XXXX, XXXX XXXX and XXXX Credit through XXXX XXXX. 
After all of this, my score has increased only XXXX points! It hovers around XXXX and will change up to XXXX points per month without any additional credit activity. I feel all XXXX agencies are not giving me the attention deserved and are preventing me from purchasing a home and acquiring credit. 
I have reached my boiling as Every time I complete a task they require to raise my score, another issue seems to appear to prevent the increase. 
Any help will be much appreciated. 
Thank You. 

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 2015-11-03 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: IN

Complaint narrative:
I sent Transunion a letter XXXX XXXX 2015 questioning several accounts on my credit reports. I sent the same letter to the other XXXX credit bureaus. They responsded. Transunion has not yet responded and it is way over 30 days. They were supplied with copy of my drives license, social security card, and a current bill copy. No reason to not write me back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
I have received numerous phone calls / voicemails from XXXX. They never identified themselves, said why they were calling, only saying that it was a personal business matter and refused any other information and kept insisting that I identify myself. I hung up on them several times and they kept calling. I also never received notice of right to dispute either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Have disputed several fraudulent accounts on my credit report with TransUnion and submitted FTC Identity Theft Affidavit/Report ( OMB control # XXXX, FTC reference number XXXX ) but they have chosen to not remove all of the fraudulent account information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I use XXXX to assist me with the mess that is my credit report. There are things listed on my credit report that I do not have any knowledge of. I have asked that these items be removed. Transunion was asked to investigate and remove all credit report lines, specifically this credit report line : Agency : XXXX XXXX Report Date Removed : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Owed : {$2700.00} Bureau : Transunion What happened next is baffling. The same day that it was removed, IT WAS ADDED BACK, as a completely different collection. It now looks like : Agency : XXXX XXXX Report Date Removed : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Amount Owed : {$2700.00} Bureau : Transunion The Consumer Protection Bureau should be concerned that this kind of behavior is being exhibited not only by the credit bureau but by this Collection Agency. The opened date now shows XX/XX/XXXX. The original open date was nearly 6 years ago. This item should not even be on here, as I do not have any knowledge of this debt. They have no proof of validation and when requested they could not provide ME with that information. Simply sending me a bill does NOT validate a debt. They can not provide physical evidence that the debt is warranted. 
Transunion made a very big mistake in reporting this debt as they did as a different creditor name and under a different collection agency, the exact same day it was removed as not being valid. Shameful. Can you imagine being XXXX XXXX and having XXXX XXXX transfer this debt to them and they knew that it could n't be validated because I started disputes pertaining to the debt in XX/XX/XXXX? That 's criminal.

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