vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion had a glitch in their system that violated the rights of their consumers under section XXXX. 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 inquires be removed :

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 2016-04-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion fail to delete wrong information on 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 2016-10-04 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:
I disputed the following account on my TransUnion credit report, since I had no knowledge of it : XXXX XXXX. 
TransUnion " verified ''. 
On XX/XX/2016, I requested a reinvestigation, asking for specific information about this account. This request was received by TranUnion, and signed for on XX/XX/2016. 
TransUnion once again " verified ''. 
I contacted XXXX on XX/XX/2016 asking for verification of this account. The letter was received and signed for on XX/XX/2016. 
As of today, XXXX XXXX, XXXX has not replied. This exceeds the 30 day limit. 
TransUnion obviously " verified '' without contacting XXXX, and then " verified '' AGAIN when I asked for a reinvestigation. 
Since TransUnion obviously did not contact XXXX and can not give me any evidence proving this is my account, it must be deleted from my credit report. TransUnion refuses to do this. TransUnion also refuses to respond to my CFPB complaint without my authorization, so I am giving TransUnion my consent ( authorization ) to investigate the CFPB complaint and to communicate to the CFPB regarding my credit report and the complaint.

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 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
One day my credit score goes up XXXX points without me doing anything, the next day it drops XXXX points without anything happening.

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 2015-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX IS KNOWINGLY REPORTING FALSE INFORMATION TO ALL CREDIT BUREAU 'S. THEY STATE I OWE {$700.00} FOR UNRETURNED EQUIPMENT. I TURNED THE EQUIPMENT IN OVER 5 MONTHS AGO. THEY FIRST STATED THEY COULD N'T FIND THE EQUIPMENT, THEN THEY SAY THEY DID FIND IT AND ISSUED ME A RETURN TICKET NUMBER THAT I WAS SUPPOSED TO BE ABLE TO USE FOR XXXX TO VERIFY THE EQUIPMENT HAD BEEN LOCATED AND THAT I WOULD SEE THE ACCOUNT REMOVED FROM MY CREDIT REPORT DUE TO THEIR NEGLIGENCE. I SEEN NO CHANGES IN MY REPORT OVER THE NEXT WEEK OR SO, SO I CALLED TO CHECK ON THE STATUS OF THE UPDATE. UPON CONTACT WITH A SUPERVISOR BY THE NAME OF XXXX IN THE BILLING DEPARTMENT, SHE CLAMIED THE EQUIPMENT HAS NEVER BEEN LOCATED, AND THERE WAS NO SUCH RETURN TICKET NUMBER ON FILE. SHE ALSO STATED THAT THEY KEEP A LOG OF NOTES ON FILE AND THAT I NEVER CONTACTED THEM BETWEEN NOW AND XXXX. I 'VE CALLED OVER XXXX TIMES IN BETWEEN NOW AND XXXX, AS WELL AS AT LEAST XXXX TIMES SINCE THE ACCOUNT WAS CLOSED. NOT ONLY ARE THEY FALSELY REPORTING A DEBT THAT I DO NOT OWE, THEIR LYING TO ME AND I HAVE A LOG OF DATES, TIMES, AND REPRESENTATIVES THAT I HAVE SPOKEN TO ON SEVERAL OF THE PHONE CALLS I HAVE MADE.THIS COMPANY HAS MADE NO EFFORT TO CORRECT THEIR OWN MISTAKES, THEY SAID I JUST HAVE TO WAIT TIL THEY FIND THE EQUIPMENT ( WHICH HAS ALREADY BEEN FOUND ), AND THEY WILL KEEP REPORTING THIS DEBT ( FALSELY ) UNTIL ITS LOCATED. THIS IS NOT ONLY UNFAIR, BUT IS A VIOLATION OF MY RIGHTS! I HAVE BEEN DENIED CREDIT, LOANS, REFUSED CAR FINANCING, DENIED APARTMENT LEASES, AND HAVE SUFFERED GREATLY OVER THE PAST 2 YEARS DUE TO THE NEGLIGENCE AND IMMORAL NATURE IN WHICH THIS COMPANY CONDUCTS BUSINESS OPERATIONS. I LOCATED A XXXX COMMUNITY ON THEIR WEBSITE, ONLY TO FIND THAT I AM NOT ALONE IN THESE ISSUES IM HAVING WITH XXXX. THERE ARE DOZENS OF FORMER CUSTOMERS STATING THEY HAVE HAD THIS EXACT SAME ISSUE. I JUST RECENTLY GOT THEM TO DELETE A DEBT FROM 2009 THAT WAS FRAUDULENT, AND I REPORTED IT TO THEM YEARS AGO. THE AMOUNT OF TIME IT TAKES THIS COMPANY TO RESOLVE INACCURATE INFORMATION IS RIDICULOUS AND SOMETHING NEEDS TO BE DONE ABOUT IT! THEY LIE ABOUT EVERYTHING, AND I FEEL HIGHLY INSULTED THAT THEY TREAT THEIR CUSTOMERS THIS WAY. IF IT WAS N'T FOR THESE DISHONEST, DEFAMING, AND MALICIOUS ACTS COMITTED AGAINST ME, I WOULD HAVE PERFECT CREDIT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

RegardsXXXX.XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion file XXXX will not take off the paid in full account by the name of XXXX XXXX XXXX in the report dated XXXX/XXXX/XXXX. XXXX reports twice a month to TransUnion, and they refuse to remove the paid collection until XXXX XXXX XXXX! This is unacceptable and violates FCRA laws! I reported these discrepancy in XXXX XXXX. Now TransUnion continues to create damages to my credit integrity that leaves incorrect information and paid accounts on my report instead of taking it off my report in XXXX XXXX and having my credit scores raised for the months of XXXX and XXXX XXXX. I demand that my credit scores are to be enhanced and rescored from the time the collection accounts were erroneous and incorrect information from the dates of XXXX/XXXX/XXXX with XXXX ( acct # XXXX ) to be reached at XXXX and XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ) to be reached at XXXX. XXXX XXXX XXXX told me they have reported this account paid in full " twice '' in the month of XXXX XXXX and TransUnion wo n't remove it off my credit profile so my credit scores will be raised higher for XXXX the months of XXXX and XXXX of XXXX. Moving forward I give written consent to enter my credit profile. I have attached the creditors letters and receipt of XXXX XXXX XXXX to reflect no lates during my purcase and no lates to reflected on the auto loan before I filed BKXXXX in XXXX XXXX and had the BKXXXX Discharged. XXXX to supposed to show the debt is paid in full and should reflect a zero balance. In addition to XXXX for a medical bill that was paid by Nevada XXXX XXXX see attached XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have incorrect creditor collection balances. The information is incorrect. My car and apartment was broken into while I was Living at XXXX. In my lease agreement I signed gave stated I have the right to break my lease if that incident was ever to happen. While staying at XXXX my apartment was also broken into and I also made a police report. These creditors are affecting my credit with false judgement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
After numerous reports to the CFPB that I have made regarding this same issue, Ally Financial continues to harass members of my family via telephone calls. They have never been given any authorization to contact my family members ( this time it is my sister ) what so ever. I do not understand why they will continuously do this despite being told not to as well as being reported to the CFPB numerous times.

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 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my trans union credit report. i was told by the collection co. rep " XXXX XXXX '' that the account is being reported correctly. spoke to attorney XXXX XXXX and was told they have to update and report the account correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Over the past few months, I have reviewed my credit reports and notice XXXX entries on them from Ad Astra Recovery. I have reached out to them several times demanding documentation ( application, proof of identity, signature pages, etc ... ). No documentation has been received, but yet the entries are still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
TransUnion is reporting a Paid, Federal Tax Lien on my credit report with them. I have received a Form XXXX Certificate of Release of Federal Tax Lien and Form XXXX, Withdrawal of Filed Notice of Federal Tax Lien from the IRS, which I have sent to TransUnion twice, in XXXX 2016 and XXXX 2016 asking them to delete this entry from my TransUnion File. Most recently I received a letter from TransUnion dated XXXX XXXX, 2016, stating " Verified, No Change, '' and the tax lien remains on my credit report. 
I believe this is a violation of Fair Credit Reporting Act and would like action taken against TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In XXXX XXXX, I reviewed my credit report and noted that XXXX was reporting an account that was Pay Status in Bankruptcy Date closed XX/XX/XXXX and date updated XX/XX/XXXX which meant that the month and year that this account was to be removed is XX/XX/XXXX. I contacted XXXX and they stated that they have not updated any account and did not include an new account in Bankruptcy. What they did was XXXX consolidated all account and merged them into one. I told them that Trans Union was reporting this account in Bankruptcy and current. They stated in XX/XX/XXXX that they contacted XXXX and it would take 30 to 45 to update. XXXX instructed me not to contact XXXX because they would correct it on their end. In XX/XX/XXXX I received an account alert that stated that I had a recent Bankruptcy and that I had XXXX account in Bankruptcy with XXXX. I contacted XXXX XXXX and disputed the XXXX XXXX account because I was assured by XXXX that it was corrected. I also contacted XXXX and requestd that they update this account and remove all derogatory informaion on my file. On XXXX XXXX, XXXX, I received a letter from XXXX swtated that they would remove all trade line XXXX XXXX ) for the loan that has not been service for XXXX years or more. which would have been the account with XXXX that was open in XXXX/XXXX/XXXX, but Trans Union changed the Date Updated and XXXX to XXXX/XXXX/XXXX. I contacted XXXX again and they stated that they have disputed this account with Trans Union 3 to 4 times and each time they refused to remove the account. On XXXX/XXXX/XXXX, I spoke with a XXXX at Trans Union and they stated that they only received the dispute from Trans Union in XXXX XXXX, which would not explaned the currect credit report that I receive from them on XXXX/XXXX/XXXX. She also stated that XXXX told them that it was in Bankruptcy, and I asked her do I have a current bankruptcy in my file, she stated " no '' so, I asked her how could they report a Bankruptcy in XXXX XXXX, if I did n't have XXXX. 
XXXX, has stated on several occasion that they disputed this account. It 's listed in the Remarks on the credit report. ( Chapter XXXX Bankruptcy, DISP INVG Comp-Consumer Disagrees. The disagreement is not that I had a Bankruptcy, but the date that Trans Union reported this account. 
In XXXX, I was on the phone with both XXXX and Trans Union, they representative stated that the account is current and in repayment. That this account should be deleted. Not only is it inaccurate, its caused several negative hits to my credit report and caused me to be decline for consolidation. I 've worked diligently to improve and maintain my credit worthiness in the last 10 years and its highly injurious that Trans Union has not regards to report accurate information.

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

Complaint narrative:
Transunion is reporting a " unconfirmed '' Chapter XXXX Bankruptcy. 
I changed my mind about the bankruptcy and asked my attorney to cancel. Please see the attached documentation.

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 2016-10-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi, I am unable to get the FICO credit score.When I am trying to get the credit report, I am getting error message like they are unable to match the information I provided with the credit information database.I am sure that I am providing the correct details.Could you help me to find out what information is wrong on my records and how to correct that information.

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 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Had a car loan with XXXX XXXX XXXX, which was voluntarily surrendered in XX/XX/XXXX. Said account is to be deleted from my credit file as of XX/XX/XXXX and it has not been done yet we in XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion will not report my perfect payment history of my XXXX home loan # XXXX, according to XXXX XXXX of XXXX, until a mysterious TRANSUNION employee named " XXXX '' refuses to let XXXX reinstate my home loan trade line on TRANSUNION until I sign a letter she will write for me, then I will return this letter to XXXX and they will forward it to TRANSUNION and then and only then will TRANSUNION allow my perfect payment history to show on my credit report. 
I have called TransUnion many times since XXXX XXXX of XXXX told me this story last week. I was not given a letter to sign. I wrote my own letter begging to have my home loan reporting correction on my credit report and I posted this on twitter via private direct message to both XXXX and TRANSUNION. 
Please help me and my autistic son. We are ruined financially until the correct and true information shows on my credit report. I do n't know if there is a XXXX. Both XXXX and TransUnion have refused to give me any information about her. She has not made any notes on my file that will help us find her. If she exists, she is holding my credit score hostage. If she does not exist, XXXX is making serious false accusations.

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 2016-06-09 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: CA

Complaint narrative:
I am unable to obtain my credit score based on verification questions. I feel there is a fraud using my SSN. I am only XXXX years old, and have never had credit, but the questions are asking me to verify what bank I used to open a mortgage? I have never opened a mortgage. I have never bought a car, or had any type of credit. I feel that my SSN was opened when I was a minor, and used to obtain credit lines. Now this person has done so much, that I ca n't obtain a credit report, because they do n't know who I am.

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 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion is reporting I have a bankruptcy in Ohio, which I do not have. I initially was going to file a joint bankruptcy with my husband, but after consultation with my attorney, I withdrew my name from that bankruptcy. I have submitted documentation from the Law firm handling my husbands bankruptcy stating that I am not a part of his bankruptcy. This is causing me significant financial harm and personal grief. The law say 's, " Upon a bankruptcy, the creditor may look to the other spouse for payment, unless the bankruptcy case is under Chapter XXXX. If the debt is a consumer debt to be paid 100 % through the Chapter XXXX plan, the co-debtor is protected by the co-debtor stay in XXXX. '' Document attached.

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 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
XXXX {$410.00} OPENED XX/XX/XXXX XXXX {$350.00} OPENED XX/XX/XXXX XXXX {$820.00} OPENED XX/XX/XXXX XXXX {$450.00} 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 listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I 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 that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed 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 non-monetary relief