vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is knowingly reporting an incorrect balance and payment status for an account that was settled with XXXX XXXX. I initially disputed the above referenced account with Transunion in XXXX under the Fair Credit Reporting Act ( FCRA ) but the account apparently was verified. I subsequently disputed the account directly with XXXX under Section 623 ( a ) ( 8 ) ( D ) of the FCRA multiple times, eventually even filing a complaint with the CFPB under this Federal law. XXXX 's response was, and I quote : '' Our records indicate that we received a payment of {$21000.00}, which settled the XXXX account ending in XXXX. XXXX notified the consumer reporting agencies the XXXX account ending in XXXX was settled. We have investigated your complaint and found that XXXX furnished information relating to your account in accordance with industry guidelines. In response to your complaint, XXXX verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. " In support of XXXX 's claim of correct reporting, XXXX is correctly reporting the balance as zero, with a payment status of " Settled, '' which indicates that XXXX is correctly reporting the information but that Transunion is ignoring the corrected information from XXXX and continuing to knowingly report false information to my credit report to my detriment!! This represents a blatant violation of the FCRA!!! 
I have attached the settlement letter from XXXX and the Certificate of Satisfied Judgment as proof of the settlement as well as a partial credit report, dated XX/XX/XXXX, showing the false reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
on XXXX/XXXX/16 i initiated a dispute. The dispute included the following accounts : XXXX XXXX XXXX # XXXX Federal Tax Lien DOCKET # XXXX State Tax Lien DOCKET # XXXX State Tax Lien DOCKET # XXXX On XXXX/XXXX/16 I received results indicating that the XXXX XXXX account had been deleted. Subsequently the same account with the same amount due and the same original creditor was reinserted to my report and without notification. It appears that the collection agency is attempting to re-age the debt and change the account # even after the account was deleted. This is a direct violation of the FDCPA as well as the FCRA and should be immediately deleted. Whats more the Transunion consumer representatives continue to deny that the account exists. However, it still remains on the file. 

As to the XXXX tax liens i contacted both the XXXX XXXX County Recorder and the Clerk of the Superior Court of XXXX XXXX and they indicate that they do not respond to investigations from credit reporting agencies. The responsibility is on Transunion to verify the accuracy and completeness of the items they are investigating. There is no possible way that Transunion could have obtained the legally required verification. This is a clear FCRA violation.

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 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and I am a victim of ID Theft and I received a copy of my credit file that your company publishes and after reviewing that I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in YOUR files as of this date that you used to verify the accuracy of the accounts list below. Under the FCRA 15 U.S.C section 1681g, I do have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts you are reporting in my credit report. Please do not respond to my request by saying that these accounts have been verified. # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, plus update my address and delete the rest? Please just update my name and delete all unnecessary information and please remove all unverified items on my credit report and distributing them to third parties under Section 611 ( a ) ( 5 ) ( A ) ( I ) and damage my reputation and credit worthiness.

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 2015-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I was linked to the Transunion website when I inquired about a free credit report. My understanding is that Vermont residents are entitled to XXXX free credit report per year. The only membership portal I saw when I linked to site was apparently for a 7 day trial for {$1.00}. It was not made clear that this was the incorrect portal for the free credit report. I was charged for membership services that I did not ask for. I contacted customer service and was told that their policies are very clear and that the charges are nonrefundable. During the call, I was offered a free month and a reduced price for " refreshing '' membership. I declined these offers and stated that I wanted the service cancelled immediately and requested to speak with a supervisor. I was told that the supervisor would not be able to help me, as they are bound by the same policies. The supervisor I spoke with told me that the only way to get the free report is through a separate website. He then said that he would refund one month of charges ( {$17.00} ). I am not satisfied with this outcome or the customer service I received. I feel that this company is aware of the confusion and does not want to rectify the issue as it benefits them financially and are operating in a predatory and dishonest fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a letter to TransUnion letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. TransUnion did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus.

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 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On my Transunion Credit Report, XXXX XXXX ( Acct # XXXX ) which was open in XX/XX/XXXX is currently reflected as ( Open-Derogatory ) and not reporting since XX/XX/XXXX. 

The correct status should be reflected as ( Account is Closed, Included in Bankruptcy ) as of 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
Consumer complaint received 2016-04-15 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:
a yes I have filed a complaint with the FCC and transunion sent back saying they did not get enough info to solved my disputes -- could you let them know I am speaking about the collection of XXXX XXXX I was so sure all you had to do is what collection did you take off in XXXX XXXX and then put it back on in XXXX XXXX and yes I did filed a complaint in XXXX and the complaint was about the collection and why do you have to contact them when you were the one who removed it again do I have to wait another 7 years

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 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The account account in dispute. 
XXXX : XXXX This account was chrged off XX/XX/XXXX the date has been changed and this account should have been deleted 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
Consumer complaint received 2016-12-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2016 I checked my XXXX account and it had shown under my Trans Union report that XXXX in the amount of {$490.00} and XXXX, in the amount of {$100.00} were removed. I checked my XXXX report today, XX/XX/2016 and the above mentioned accounts were reinstated. I received no notification from Trans Union stating that they were going to reinsert the accounts. By law they have to notify me within 5 days that an account is being reinserted. They have not done this on several occasions.

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 2016-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Student loans being reported by XXXX XXXX, XXXX, XXXX XXXX and Department of Education. XXXX XXXX, XXXX, XXXX XXXX, and Department of Education. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 
Although I am attaching only my XXXX Credit report this affects all credit bureaus. 
I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.

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 2015-08-31 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:
that debt did not belong to me, to my understanding the car was paid off but somehow its still showing on my credit, please take that off of my credit it is effecting my credit score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MIDCOUNTRY FINANCIAL CORP
State: CO

Complaint narrative:
Civil action was taken against me with Heights Finance. Attempting to work with them directly, the company would not answer any questions regarding the account over the phone and were extremely rude each time a call was placed. I paid off the debt completely in XXXX of 2015 and the company is still reporting to the credit bureau 's that the account is open as of XXXX XXXX 2015. I contacted them in an attempt to clear this matter and they refused to speak to me. I believe they are doing this as a form of retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The account was paid .... however prior to paying I agreed to pay balance in full provided negative information be removed. Information is still showing on my credit report. 

Tax Lien XX/XX/XXXX Released {$690.00} Public Record Details Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Released Amount {$690.00} Classification Lien Type Tax Lien

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My complaint goes back to XXXX XXXX with XXXX XXXX of XXXX XXXX, I was advised that the information needed to be filed with the corporate office. When I sent the information in to corporate they advised me that they could n't find me in the achieve file and that I would have needed to contact the place where the transaction happen. Once I did that I did n't get anywhere with the general manager who stated that since the other person know longer worked there he could n't really help me and the inquiry should be falling off in 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 2016-11-20 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:
Hello, I have checked my credit score using XXXX. Here it was listed that I have an account with XXXX and a debt of {$2300.00}. However, I have never taken any credit or debt out. This is either Identity theft or a mistake.

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 2015-10-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX had provided incorrect information to all of the credit reporting agencies XX/XX/XXXX concerning my mortgage. They finally corrected the information. XXXX stated in a response to complaint # XXXX filed with the CFPB that the XXXX major credit reporting agencies were notified, which included TransUnion. By the time XXXX got the information corrected, TransUnion had deleted the entire account. Per a response from TransUnion to complaint # XXXX, XXXX has not verified the corrected information, therefore they will not show XXXX as a creditor. The XX/XX/XXXX credit report that I received from TransUnion does not reflect my mortgage information. I have tried to get the corrected information on my mortgage added by TransUnion. They stated that this information need verification from creditor. XXXX states that they have sent correct information. I have to contact the credit reporting agency. Nothing is been done by XXXX or TransUnion therefore I the consumer suffer.

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

Complaint narrative:
Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to XXXX and Trans Union-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.

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 2015-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In XXXX of 2013 I paid a past due medical bill two months after it was reported as past due on my credit report. The medical bill is still showing as in collections even though it was paid over two years ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 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 SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX SETTLED XXXX/TU Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX/TU/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} REV {$0.00} {$0.00} {$0.00} XXXX PAID CHGOFF XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Auto loan shopping not counted as a single inquiry. Transunion has XXXX inquires made upon the same day and did not count the inquires as a single inquiry.

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 2015-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently mailed in a copy of my identity theft report to Transunion and XXXX, in order to get information from an identity theft issue blocked. I received a letter issued XXXX/XXXX/2015 from TransUnion telling me that the information would not be blocked without giving me any specific reasons. I have filed a police report as well as an affidavit with the FTC in order to have this information corrected. I have sent affidavits to XXXX in order to have the company investigate the issue at hand as well. 

Transunion has given XXXX general reasons, which are shown in the letter that they lifted straight from the FCRA, even using ( and/or ) for the reasons. This shows that they do not have not made a specific reason to provide me as to why they will not block the information. The majority of the information was inquiries, which can not be corrected simply using a dispute. I have already tried that, and they say they can not remove " factual inquries '' without the identity theft report, which I provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation