vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed XXXX XXXX XXXX reporting negative credit card account item on my Transunion credit report over the past XXXX years. This was a secured credit card that was open with initial {$300.00} security deposit back in XX/XX/XXXX. Due to fraudulent transaction I did not authorize XXXX XXXX XXXX closed account XX/XX/XXXX. XXXX XXXX paid was used to pay off remaining balance. This account was paid in full prior to being supposedly charged off by XXXX XXXX XXXX. I am requesting XXXX XXXX XXXX stop reporting this negative item on credit reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I applied for credit with XXXX XXXX expecting them to run my credit with XXXX for financing. They initiated XXXX inquiries to obtain financing for the vehicle. This was not disclosed to me. It has damaged my credit for over a year now. Businesses should not be allowed to do this without first advising consumers what they are going to do and what the impact of that can be on them.

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 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My Chapter XXXX bankruptcy was discharged on XXXX XXXX, 2016 and XXXX XXXX was informed, yet after countless attempts they still refuse to report my account as open with a balance owed. I submitted a dispute to Trans Union on XXXX XXXX, 2016 and still XXXX XXXX refuse to correct the inaccurate information. I pay {$570.00} each month and my credit will never fully be restored if XXXX XXXX does n't correct the inaccurate information. Please HELP!!

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 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
The XXXX XXXX account was disputed, and Trans Union shows a cut off deletion date of XXXX XXXX. Trans Union shows a cut off deletion date of XXXX XXXX. The account went into default in XXXX, and XXXX XXXX extended the 7-year rule timeline illegally. The Federal Trade Commission has in the past fined XXXX XXXX for timeline re-aging issues, and this account is no different. Accordingly, I believe Trans Union did a poor job in its reinvestigation, and that they should remove the item immediately and permanently. Attached is the necessary documentation required to stipulate my position that the 7-year rule applies.

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 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Hello - I went through a divorce over the summer and changed my name back to my maiden name. I have that change noted in my divorce papers which have the official county seal. I have also used these papers to update my name with social security and the XXXX. Transunion will not update my name with this information. They tell me if I got married they would have no problem updating my name, but since it was a divorce, they can not update my name even with copies of my divorce papers, social security card and my drivers license all stating what my legal name is. I can not move forward with banking items because my legal name is n't matching my primary name on my credit report. I think it is discrimination that they will update a name easily if you get married, but refuse to update to your legal name if you get divorced. Can we work to change their processes so that myself and others can move forward with their lives? I understand the process of proving information and appreciate that, but once a person does this, it should n't be so hard to update your credit report. I have seen on many message boards online that this is a huge issue with woman and transgender people. Something this simple should n't be so hard to fix. 
Thank you and I look forward to your response.

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 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that all inquiries be removed : XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX I Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry 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 2015-04-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was able to obtain a credit report from TransUnion through XXXX. When I clicked on the link to correct inaccurate information, I had to create an account after multiple attempts and then click on the link to file a dispute online. It did n't work and kept sending me back to the same page to initiate a dispute so I can correct the inaccurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX # XXXX {$620.00} ... .i have contacted this collection agency and they can not verify this account as mine but it comes back as verified with transunion ... ... method of verification is wrong when i disputed this account ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting my complaint directly to CFPB because through experience, your agency gets answers that seem elusive when mailing certified letters to the credit reporting agencies. In other words CFPB works more efficiently and decisively. 
Transunion has placed a number of credit inquiries on my report that were not authorized. 
1. I purchased a vehicle and only bought from one dealership without searching around. No other entity should have checked my credit report. 
2. Transunion lists the following inquiries which were not authorized : XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 The above mentioned companies were not authorized to check my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing because on my XXXX and XXXX credit reports you have my account as in Collection/Charge-off on XX/XX/XXXX.This information is incorrect. This account was paid in full through Chapter XXXX Bankruptcy Plan and discharged. Soon as this account was paid off it was put in a Charge-off status on my credit reports. I would like this information correced and for the status to be Paid In Full through Chapter XXXX Bankruptcy Plan. Also the date they have last payment is XXXX XXXX, that is also incorrect. This account was paid off in XXXX XXXX. I have enclosed documentation showing this account is and was in good standing through out my bankruptcy plan. I have provided my bankruptcy Chapter XXXX payment disbursements to GMAC ( ALLY ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account was verified

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 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:
XXXX, a TV shopping network, closed my account after years of doing business with them due to results from an investigation that was provided by TransUnion. XXXX used TransUnion 's XXXX online investigative system to investigate me ; the results from the report provided by this system incorrectly linked my account and me to someone whom XXXX says owes them money. I do not owe XXXX any money and XXXX has acknowledged this as well. In addition, XXXX corporate headquarters will not give me access to the results of their investigation although I have requested them numerous times. XXXX maintains that they can not release information about my account to me because there is a debt owed to them and the person who owes the debt has to give XXXX permission to give me information about my account! 
The information provided by TransUnion has adversely affected my relationship with XXXX because they have closed my account permanently and, it may potentially be damaging other business relationships as well ; therefore, I need to know exactly what is in the report provided to XXXX by TransUnion, how TransUnion 's online system is linking me to people and accounts for which I am not responsible and any consumer report TransUnion has regarding me. Most importantly, I need the information corrected 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
Consumer complaint received 2015-11-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XXXX XXXX BANK MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT. I HAVE NEVER TRYED TO GET A LOAN FOR A CAR

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 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:
On XXXX XXXX 2016 I checked my credit on XXXX and had a total of XXXX hard inquires removed from my report. I checked my account again on XXXX XXXX 2016 and all XXXX hard inquires were placed back onto my account without sending me a reinsertion letter as required by fcra section 611. I have called Transunion at least once a week since then to try to get this issue resolved and have received no help, no one will transfer me or connect me to an American representative or the fraud department, multiple agents have even been belligerent, some have even told me they know what happened but it 's basically too bad and that I should just file a complaint because they will not fix 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 2016-11-10 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:
During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that Trans Union Corporation has a IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that had a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
TRANS UNION CORPORATION IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT UNTIL XXXX MY MORTGAGE WITH 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 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have never lived in XXXX and there is an address that is incorrect on my credit report. I called the utility company that is claiming to take me to collections called XXXX and they have no accounts under my ss #. I called the credit agency XXXX credit systems and they said they have me in collections for utility bill with XXXX. They told me to file a police report. But when I check with utility company they have no record of an account in my name ever.

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 2016-05-27 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: KS

Complaint narrative:
I was just hired for a job. When they did my background check, they said there was another name was tied to my SS number. I went to the annual credit report website and tried to get all XXXX credit reports. I was not able to view them at all. They said it was due to discrepencies with my identity. 
I need my reports so I can view them in order to file a police 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 2015-12-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
RE : Your submission, [ Case number : XXXX ] XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau You people are something else! 

I wrote you and submitted a detailed complaint nearly a month later I got a letter from you saying that my file was not complete, and that I should contact you immediately. I did that. 

The lady I spoke to said she could n't match my name and the file number, no case existed. 
I insisted that there must be or I would n't have received the letter I was holding in my hand. 

After waiting on hold for considerable time she returned to the phone and informed me that YES there is a file. She continued that it is incomplete, so that you folks could n't move ahead with it. When I asked what was missing she told me that she could n't discuss it with me, that I would just have to file another complaint. 

Deciding that I was involved with another worthless, self serving bureaucracy, I decided to not pursue my complaint further. Nobody really cared, just wanted to give lip service to all the wonderful things being done for me. 

A few weeks later I received a second letter that read almost like the first one. After giving myself a couple of days to cool off from the stupidity of all of this, I called again the number provided me in the letter. 

This time I documented the call. XXXX XXXX, 2015 I spoke with XXXX. Again I was told that my name and the number did not match anything in her computer, the case must not exist. XXXX listened while I filled in the background to my call. ( BTW - Kudos to XXXX for a great job ) She said there was another place she could check, it would take some time, asked if I had time to wait for her to go look. ( way to go XXXX! ) Yes, I could and would wait. 

In less time than I expected she was back and said : I found the file It is incomplete ALL that was missing was an email address and a phone number ( Ah-hah! - the secret stuff first lady couldn't/would n't talk to me about! ) Gave me instruction on what to do to take care of problem. 
Said that was all that was needed, and that I would hear from you folks soon. 
I faxed the info within a few minutes of the end of that call Now I get the third correspondence from you folks saying you are closing the case because you do n't have a complete file. 

How did you email me if you did n't get my fax with the " All we need is -- -- '' information? 

It must be dark with your heads so far up your -- -- -- -- Close the case. It is obvious to me that you folks have no intention of looking into this problem and getting me an answer. 
Credit reporting companies must pay your wages. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This item is past the Fair Credit Reporting Act statute of limitation. XXXX was closed and paid properly in XXXX. It is now XXXX XXXX XXXX. Can you please remove it from my credit reporting.

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

Complaint narrative:
My credit reports from Transunion XXXX XXXX contain a report for a collection for an electric bill that is not mine. The amount is approximately XXXX dollars. I have disputed the address where the company says i supposedly live and obtained this electric bill. The address i believe has been removed but the negative collection has not been which is associated with this address. This light bill is not nor has it ever been mine. I contacted the company directly and the name on the account is misspelled and I never signed or authorized any account in my name with XXXX XXXX XXXX. I 'd like to get this account removed as it is negatively affecting my credit score.

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 2016-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX I checked my credit report and all of my inquiries was deleted. I logged in today and all my inquiries are back and it caused my score to go down.

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 2016-04-25 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:
None of the accounts were deleted off any of the XXXX credit companies

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 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This XXXX is for TransUnion. I filed a Chapter XXXX that was discharged in 2009 that shows in the public records area. The incorrect part is that there XXXX mortgage companies showing XXXX balance in the collections part. They are impacting my credit score on both XXXX and TransUnion. Those accounts are not allowed to go to collections. They should NOT be there. They are reported correctly on XXXX report. They were never delinquent prior to the filing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
my information was used to purchase phones and a contract with my old address

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 2016-07-23 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I tried to get a security freeze on my account. After submitting everything, it said that " We are unable to process your request at this time ''. I tried again and it said the same thing. Even though it did n't process it and provide me the service, they still charged my credit card -- XXXX dollars each time.

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