vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
transunion said that they would delete my inquries from their computer glitch in my last dispute through cfpb transunion has not done done what they said they would do please remove my inquries

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 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Customer service would not help and take care of negative inquiries reported on credit report. I would like for these inquires to be removed. 
XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16

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

Complaint narrative:
A credit card that I believe I once had but was paid off years ago is still listed on my credit report, showing a balance and a date of a recent reported payment. The credit card company says that I have no active account with them. I obtained my credit report from TransUnion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX unknown names appear on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 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:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$450.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national 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 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
noticed that my credit scores continue to drop. See attached documents from XXXX. Nothing received from credit agencies on why scores continue to drop. 
Continues to have a devastating impact on credit worthiness. 
Attached documents submitted to support case numbers XXXX ; XXXX ; XXXX. 
These scores could prove negative, when decisions are to be made on a recent request to refinancing VA loan. Continues to have a devastation impact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 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:
Someone opened a XXXX account under my name and now I have this negative account on my credit report. Disputed with the collections department but kept getting " verified ''. So frustrated because I tried to get this matter corrected but I am getting nowhere with the credit bureaus XXXX, Transunion and XXXX. I feel like giving up.

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 2015-11-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
An address change was submitted to my mortgage company ( XXXX XXXX XXXX ) approximately 8 years ago. Someone had tried to compromise my wife 's credit. She caught it, and it was recently resolved This address is now showing on my credit report. The credit reporting companies have refused to remove it because they said it was reported to them, and suggested I file an identify theft report ( no one has stolen my identity ). I now have a credit reporting company monitoring my identify. XXXX states this address is no longer in their system ( they removed it ). Please have the credit reporting companies REMOVE this address from my reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30 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:
I called Trans union and spoke to a supervisor named XXXX about a adverse account on my XX/XX/XXXX credit report, which they did a investigation on and sent me the results as deleted with a date of XXXX I am now told it was n't verified, but that is n't what the letter says. XXXX of the forms state unverifiable info must be removed. The guy gave me this website and then hung up. Please help me with this situation, thank you and XXXX BLESS, P.S. I 'm doing this from my cell phone and do n't know how to attach documents nor do I have a computer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to dispute an employer listed on my credit reports and I 'm not able to do so

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 2016-11-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Ally Financial repossessed my vehicle on XXXX XXXX, 2016, unlawfully according to the XXXX of Virginia Law Code : Chapter 22, 6.2-2217. The vehicle that was repossessed was eventually sold by Ally Financial and after receiving a letter from them requesting payment for the deficiency, I responded with a request asking for proof of documentation including titling regarding the sale of vehicle, notice of default and notice of acceleration as is required by law under the XXXX of Virginia. I requested for any attempts to collect on this debt and any negative reporting to the credit reporting agencies be stopped until debt could be verified. Ally Financial responded with nothing but the same letter of how the deficiency was calculated and no other documents proving the repossession was lawful. However, Ally Financial continues to attempt collections as well as continued negative reporting to the credit reporting agencies. I have had two collection agencies in less than a year attempt to collect on this debt.

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 2015-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
the date is wrong when the collection was put on my credit report 1.It was in 2009 when it was in collections2.the amount is different from when first put in collections

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My sisters information is on my 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 2016-05-05 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:
They did not resolve my dispute. 
XXXX XXXX XXXX was included in a bankruptcy in 2008 that was discharged, so I no longer owe it. Additionally, it is showing as charged off, yet they keep adding fees on there and adding it back on as new.

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 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had no credit inquiry 's on my trans union report before XXXX 2016, i applied for a credit cars and was denied do the fact TO MANY INQUIRY 'S on my report. I did find out that TRANS UNION had a cliche in their system and as of XX/XX/2016 all XXXX inquirys where back on my report. I called and they told me nothing they can do. I called apx 5xs and NOBODY would transfer me to an AMERICAN SUPERVISOR ... still till this day i cant get someone to help 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 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.

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 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
MYSELF AND MY SPOUSE FILED A CHAPTER XXXX BANKRUPTCY, XX/XX/XXXX THAT HAS BEEN SINCE DISCHARGE, XX/XX/XXXX. THE DEBT FOR THE CREDITOR XXXX FORMERLY XXXX XXXX, TX THE AMOUNT OF XXXX WAS INCL IN SAID DISCHARGE BANKRUPTCY. AFTER REPORTING TO EACH CREDIT BUREAU, XXXX FOR MYSELF ( XXXX ) AND TRANSUNION FOR MY WIFE ( XXXX ). WE HAVE REPEATEDLY CONTACTED XXXX AKA XXXX AT THE XXXX ADDRESS IN XXXX. TO DATE THEY HAVE YET TO UPDATE THE RESPECTIVE CREDIT BUREAUS TO REFLECT ACCURATELY. THIS IS IMPEDING OUR ABILITY TO OBTAIN NEW CREDIT AND A MORTGAGE. WE WANT THIS CORRECTED IMMEDIATELY AND TO BE RENUMERATED BY WHATEVER AMOUNT DUE FOR THIS HARDSHIP AND CREDIT INJURY. 

ADDITONALLY, TRANSUNION CONTINUES TO REPORT A BANKRUPTCY IN ERROR. DISPUTE MY REPEATED SUBMITTED PROOF EXPLAINING IT WAS IN FACT A DUPLICATE. CASE # XXXX WAS FILE IN DUPLICATE AND STRIKEN FROM THE COURTS RECORDS AND SUBSEQUENTLY SHOULD NOT BE REPORTING. MY CREDIT FILE SHOULD REFLECT ONE BANKRUPTCY CASE # XXXX, DISCHARGED XX/XX/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 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I paid this in full on XX/XX/XXXX the original debt was a credit card with XXXX then went to collections with XXXX XXXX XXXX. It is still under the collections tab of my credit report I have disputed it and have given proof it was paid but the credit bureau will not delete it.

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 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have paid off debt to XXXX XXXX. courts acct. number XXXX AND XXXX XXXX ACCT. NUMBER XXXX AND XXXX XXXX ( XXXX XXXX XXXX ) ACCT. NUMBER XXXX .THESS ACCOUNTS REMAIN ON MY CREDIT REPORT AS NEGATIVE.

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 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have called TransUnion several times. My health insurance paid a bill that is on my report as collection. TransUnion does not seem to care and this is reflecting a job offer. XXXX XXXX XXXX, XXXX ignored letters from my XXXX XXXX XXXX requesting additional information. XXXX has on file the amount of times they notified XXXX XXXX XXXX. I called XXXX several times and one time to tell her that I drove down to XXXX XXXX XXXX to obtain copies of the visits to send to XXXX. I then let XXXX know that XXXX has everything they need and will process and pay the claims. XXXX ignored my communication and sent it to collection. XXXX XXXX XXXX refused to refill my prescriptions until I paid the invoices. XXXX has paid them and they have cashed the checks. XXXX has said several times that she reversed the collection. Each time I call the collection agency they state no one from the office will confirm. Meanwhile this is on all my credit reports when in fact I am owed money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Apparently Transunion changed there scoring model which caused my score to drop XXXX points, it went from XXXX to XXXX because of a change in their scoring model. I did not have anything negative reported/changed on my report yet my score dropped XXXX points!? I do not feel this is fair to consumers, how can the bureaus make changes that negatively impacts consumers. Transunions scoring model should be investigated to prevent further negative impact to consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX 
ACCOUNT # XXXX THIS IS A INVALD COLLECTION ACCOUNT. THEY NEVER NOTIFIED ME OF THIS ACCOUNT PRIOR. THEY HAVE NOT PROVIDED PROOF THIS ACCOUNT BELONGS TO ME, AS WAS REQUESTED IN THE CERTIFIED LETTER SENT TO BOTH XXXX and Transunion. THIS WAS A IDENTITY THEFT CASE. TRANSUNION PLEASE REMOVE THE COLLECTION FROM MY 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 2015-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX is showing I have a late payment on my reports but I was n't late and I have a letter in hand showing that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been working with trans union on getting my credit report corrected. I contacted them to have them chage information about my student loan they are showing that therre payments but there are none until 2016. I have contacted the agency about my XXXX XXXX account the agent said they understood what i wanted to dispute and restated what i told them. I pulled a copy of my report today the acount was there and undisputed. The agants always seem to be impatient and rush you off of the phone or interupt you stateing the understand and will help you but then the dispute is undone or done incorrectly. Account termsCreditor name/info, balance, payment, etc. 


Account statusPaid bill on time, account closed, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Incorrect address on a credit report ( most likely due to divorce : the address is that of my ex husband and his XXXX wife )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06 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:
Previously deleted inquiries were deleted then read dedicated without notification or validation XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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