vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-26 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: PA

Complaint narrative:
Contacted Transunion attempting to obtain free credit report. Never received free credit report, XXXX was charged 3 consecutive months. Never credited for one month of billing. Requested to unsubscribe. I was harassed with constant emails despite numerous request to unsubscribe.

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 monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my Transunion report and it indicated that I had closed a secured credit card account with XXXX XXXX on XX/XX/XXXX. I have not applied for a secured card with them since XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX to inquire about when I had re-opened the account. The XXXX told me that no account had been opened and that she would send me a letter stating the account had been closed XX/XX/XXXX. Two weeks later I received the letter indicating that my account had been closed XX/XX/XXXX. Checked my credit report ; date account was closed changed from XX/XX/XXXX to XX/XX/XXXX. I called XXXX again and requested that they provide me with the original application after XX/XX/XXXX. XXXX informed there was no application and he would submit a dispute. I requested a dispute case number ; rep informed me there was none. Last week I received a letter XXXX indicating that my dispute had been denied. I called XXXX again and requested, once again, the original secureed credit card application. Rep informed me that there was no account opened and he did n't show any accounts closed after XX/XX/XXXX. Rep informed me he would mail out letter indicating account was closed XX/XX/XXXX. Rep stated he was unable to provide me with letter stating that no account was ever opened after XX/XX/XXXX. I requested a letter to submit to Transunion stating that XXXX system does not show any account closed on XX/XX/XXXX or XX/XX/XXXX ; Rep was not able to provide me with letter. Submitted dispute to Transunion XX/XX/XXXX after XXXX XXXX denied my dispute to remove supposed closed account on XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are XXXX state liens on my credit file. They are not my state liens. They are associated with another person at a different address with my name apparently. After telling this to the bureau over and over again, they have refused to remove it. I even contacted the courts and they stated that they do not communicate and verify information on state liens to the credit bureaus. And XXXX courthouse do not have anything with my complete SSN and address on file. So, I need to know how do the credit bureaus verify, especially if it is not through the main source. And, who gave them permission to do so, if that is what they did. it is obvious that they have the incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I contacted Transunion about an Unauthorized Hard Credit Inquiry that appears on my report. I have tried unsuccessfully to have it remove as they claim they are not able to do that. I have contacted the company ( see below ) and also requested they remove it and they told me it was an Error on Transunion 's part as they did not do a hard pull. Neither wants to address the problem and I want this information taken out of my report as it is inaccurate and possibly a fraudulent request to obtain information about me without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/2016

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 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I decided to get a car XXXX and they had suggestedfinance options. I entered my information online after checking and confir-ming with them that they will let me know before sending my informationto the financial institution. they sent my information to XXXX financial instit-utions without my consent. I have unnecessarily been hit with XXXX hardinquiries. I ended up taking an auto loan from a company I previouslyfinanced my old car from. I am attaching the matter on my creditapplication, where it clearly mentions that I will be informed about the financial institution, XXXX will be sending my application too. 
When submitting my credit application, I was told there would be onlyone inquiry and in the terms and conditions it was said I would beinformed of the financial institutions they would be sending my informationfor my credit to be run. Attached is the document which states the termsfor which I have given my consent. You can find it on the XXXX website when you apply for a car loan. I would like to have thesesXXXX hard inquiries removed from my credit report at the earliest. 
The XXXX financial institutions are :1. XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX, OHThank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 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:
I checked my free credit report through TransUnion on XX/XX/XXXX. All information looked okay except for incorrect addresses and phone numbers ( very minor issues ). I filed an investigation to remove the data and TransUnion promptly removed the data. After sending me an email on XX/XX/XXXX to view the revised credit report, I find a public record from the XXXX ( Docket # : XXXX ). The record was n't on my credit report a day ago. According to TransUnion, the judgement was filed in XX/XX/XXXX, paid in XX/XX/XXXX, and updated in XX/XX/XXXX. It 's suspicious that the record just happened to show up in XX/XX/XXXX, one day after I viewed my free credit report. This record is definitively baseless. On XX/XX/XXXX, TransUnion gave me the opportunity to dispute any information online ( when they only displayed positive information ). On XX/XX/XXXX, TransUnion decided that I am only allowed to dispute further by mailing a form ( when they disseminate incriminating information ). For an agency that has such significant influence on my creditworthiness, TransUnion demonstrates a dangerous carelessness and/or recklessness for the maintenance and dissemination of my credit 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 explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Delbert Services
State: MN

Complaint narrative:
I had a loan with Western Sky / XXXX / Delbert Financial Services. These companies are currently under investigation by the CFPB as well as being sued by the Attorney General of my state ( MN ) as illegal loans. 

The original principal was repaid several times over, yet this company continues to sent me collection notices. 

I have stopped paying and blocked this company from being able to make automatic withdraws from my bank account. They have reported a delinquent status to XXXX credit reporting agency. 

I request to have documentation that states these loans are illegal, that I have paid the principal on the loan, and that XXXX should immediately delete this record or show paid in full. 

CFPB assistance greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
1 ) My son and I are XXXX, and XXXX generations of XXXX XXXX. We live at the same address. We have different birthdays. We have different Social Security numbers. This may seem obvious but not to credit reporting companies. XXXX got it right. XXXX and Transunion reported my IRS liens against my son. I went to the XXXX XXXX County Clerk, obtained County Clerk certified copies of the liens showing my SS # and asked both to delete the liens from my son 's credit report. They refused and continue to falsely report these liens against him. 
2 ) When my son was XXXX-still covered under my XXXX insurance he had an xray.. I presented XXXX Insurance information. The Dr. 's assistants said nothing, failed to claim the xray against XXXX coverage and filed a credit report against ( not me ) MY SON! Transunion and XXXX refuse to remove the charge against his credit. 
3 ) My son 's uncle died leaving a XXXX car subject to a note. XXXX Bank allowed us to assume the note. Immediately after his uncle 's death there were 2 late payments. When probate was completed and the car purchased and the note assumed, the 2 late payments were attributed to my son, who did not own the car when the late payments occurred. XXXX and Transunion refused to remove them from his credit report. XXXX rated my son at at XXXX. XXXX and Transunion rated him at XXXX and XXXX. Obviously these errors have had an enormous impact on his credit report, defeating his efforts to obtain a mortgage loan.

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 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The division of Child Support Enforcement has been documented on my credit report since XX/XX/XXXX ( according to Transunion ) however, it 's actually been there since XX/XX/XXXX. Anyway, Transunion has allowed them to remain on my credit report since XX/XX/XXXX without fail. I have documentation as a result of my many disputes from Transunion stating that this would finally be removed from my credit report XX/XX/XXXX. I patiently waited until that time and then it finally did fall off for a total of 30 days. Now it has resurfaced as new and it is listed as a collection item that will be removed on XX/XX/XXXX. This is an outrage, all the other credit agencies has seen fit to remove this from my report except Transunion. It appears that all the reporting company is required to do is to verify my full name and social security number. I was advised by Transunion that due to the fact that The Child Support Enforcement Agency has my personal information this will remain on my credit report forever. Child Support is reporting that I am making monthly payments to keep this on my credit, however, they are not reporting any payment amounts.Transunion is basically turning the other cheek on this. There are laws which indicate that if a payment is reported then the payment amount should also be recorded. Child Support is smart enough to know that if they record me as making payments then it could possibly remain longer. Why are n't the payment amounts being listed. This is unjust and something must be done. I would like for Transunion to remove this account from my credit report for once and for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
After reading the FTC website and filing an identity theft affidavit I then mailed my dispute to XXXX and Transunion notifying them that accounts were open in my name without my permission. 

I disputed the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX BANK XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 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:
TransUnion has allowed reinsertion of the same collection account multiple times. TransUnion has neglected to follow safeguards to protect my credit file and has never notified me of reinsertion as required by law. XXXX XXXX XXXX has reinserted a fraudulent collection 4 times and each time they report using a different account number and different dates of first delinquency in an attempt to manipulate the credit reporting system. XXXX recently reinserted the same {$57.00} bogus collection on TransUnion under the account # XXXX. 
This same collection was previously reported and deleted under account numbers shown on the documents attached to my complaint. 
TransUnion has knowledge that this collection agency has acted with disregard to the FCRA concerning the reporting of false information on my reports yet TransUnion has done nothing to prevent this abuse from continuing to occur. I have attached evidence directly from TransUnion showing that XXXX XXXX XXXX was previously deleted as well as a most recent SIGNED certified receipt that I sent to XXXX demanding that they follow the law and discontinue their deceptive behavior. This same fraudulent collection has been reported using other collection agency names including Integrity Solution Services, XXXX and XXXX XXXX over the past several years. I am requesting immediate deletion of this fraudulent account from my TransUnion credit reports. I have also requested assistance from the Texas Attorney General 's office due to multiple violations of the Texas Finance Code. This is a fraudulent collection account and must be deleted from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Partners Financial Services Inc
State: ID

Complaint narrative:
Partners Financial services inc. placed an account on my credit report that is damaging my credit. I have tried to contact them to have them send me proof of the account belonging to me or remove it and they will not respond to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion fails to remove the XXXX account. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I noticed that a previous address that was entered as my information is not correct. I have never lived at the address on XXXX XXXX. The current information is correct, but the previous address is not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-04 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:
this is not my report XXXX please remove from all XXXX 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 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX WAS PAID IN FULL AND CLOSED BY USER IT WAS ALSO NEVER LATE. IT IS SHOWING 60 DAYS LATE AND CLOSED BY CREDIT GRANTOR. I WANT IT RESTORED BACK TO GOOD STANDING.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Yet again you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being report accurately. Additionally, please provide the name, address and phone number of each person who personally verified this account, so that I can inquire about how they " verified '' the alleged account, without providing any proof, bearing my signature. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally bound contractual obligation to pay you the alleged amount. An employee looking at a computer screen, seeing my name listed in their database is NOT verification or validation of any debt. 
Be aware that I am making a goodwill attempt to have you clear up this matter. The listed item entirely inaccurate and incomplete, and a represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
XXXX Bank reported I was 60 days late for the past two months and when I called they said I was n't, so I needed to contact the credit companies and dispute 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 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a brother that has the same XXXX initial as mine, and XXXX of XXXX numbers of my social security are the same as his. Our credit has merged as if we are the same people. His student loans, child support, vehicle repossessions, etc. are on my credit report. PLEASE 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 explanation
Consumer complaint received 2015-05-18 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:
When I moved to XXXX XX/XX/2011 I lived for tree months in XXXX with friends after that I moved to XXXX but after the I start receiving call from a collection agency asking me to pay my bill to XXXX XXXX I told them i do n't have account with no body I still new in the XXXX I never have a Appartement under my name yet but they put it in my credit and now when I Learned a little about credit I dispute it but the credit bureaux they keep report it, I ca n't pay a bill not mine please make investigation I need help because this is what 's happened

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 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:
I have no knowledge of this claim. I believe this is an inaccurate filing against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation