vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-29 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: NY

Complaint narrative:
I have been trying to get my credit report from transunion and unable to ... ..I have numerous things in dispute and the investigation should be completed by now. I tried going online but was unable to do so as a message popped up I am unable to review my credit report. I called the toll free number and was told that my report is being handled in a different department ... .I was transferred again and to the same answering machine. I left a few messages requesting my report as I want to view it and no one returns my calls and I still have not received my report. I am XXXX and on public assistance as I understand I am entitled to updated reports for free. I am also submitting this complaint about transunion as I have an account that is reporting as 30 days late with a negative remark and showing 1 missed payment. This informaiton is incorrect and I have uploaded additional supporting documention from " mandee shops '' that this incorrect information will be corrected. I checked on XXXX and as of today it is still reporting with 1 late payment. Transunion still has not corrected this account yet XXXX did correct it finally after I submitted the letter that I received directly from mandee 's shops.

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 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had duplicate accounts in XXXX which shows the balance XXXX e.g. XXXX $ on a card that has {$4000.00} total. I erased the XXXX card and paid off the card since.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 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:
Account was disputed multiple times and validated as correct, I then sent IRS XXXX showing their report was incorrect and they finally corrected. They are now reporting the old information and again have stated they validated as correct even though I have provided proof the account has been settled and has a zero balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-02 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear CFPB, I am having a problem with accessing my credit. I 've applied for XXXX ( XXXX ) credit cards from XXXX. In XXXX 2015, I was denied and the reasons for their decision was credit bureau information missing or unavailable. I made a complaint to Transunion and they gave a response that was somewhat satisfactory. They explained that a initial fraud alert was placed on XXXX XXXX 's credit file. I then resubmitted the same application a month later and was denied for the same reason. I spoke with a supervision in the application dept. on XXXX/XXXX/15 at approx. XXXX and it was suggested to me to contact the CRA and get the initial fraud alert removed because they are not able to see items in XXXX XXXX 'S credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 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: OH

Complaint narrative:
I was in the process of viewing my credit report online. I was asked a series of security questions prior to viewing my report. There was question stating that I opened a mortgage loan in 2010 and what bank did I use. I have never owned a mortgage, it also stated that I opened a retail credit card and I have never done that either. I was unable to view my report because I did n't have the answers to those questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On around XXXX XXXX, 2016, I paid off my XXXX XXXX credit card and asked XXXX XXXX to close my account and to report to the major credit bureaus that it was the consumer who requested that the account be closed.. XXXX XXXX confirms that the payment was made and my account is closed. However, Trans union credit bureau is showing a balance of {$4800.00} which is adversely affecting my credit score. Trans Union also reported on my credit report that my last payment of {$130.00} was made on XXXX/XXXX/16 which is incorrect. The last payment was made on XXXX/XXXX/16 prior to me paying off the account on XXXX XXXX, 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 explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I get an inquiries in my credit report for a company I do n't know. I request this inquiries to be removed from Transunion immediately. XXXX XXXX is not a company I know.

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 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
On my credit report there is an account in collections from XXXX XXXX XXXX in the amount of {$670.00} that was paid XXXX XXXX 2015 but still remains on my credit report although was supposed to be removed after 45 days it is now XXXX XXXX the collection agency is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed a judgment with Trans Union. It has been 90 dayssince I disputed this error on my credit. They just ignore me and continue to report this error. I am being denied creditdue to their inaccuracies on my credit. This is not my judgment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I had a XXXX credit card that I was unable to make payments on, and it was charged off back in 2008. In XXXX of this year, I started receiving phone calls from XXXX XXXX, a debt purchaser. I contacted a lawyer, who informed me that the statute of limitations had expired and that I could no longer be sued or pursued for the outstanding balance. The phone calls continued, and they became more and more threatening ; and calls were also made to some of my family members. I again contacted the lawyer, and he decided to take my case and initiate an FDCPA suit against this company. During his research, however, he found that there had been numerous judgements against XXXX XXXX, but that they had never made restitution to the plaintiffs. And though he felt that he could win the case, he doubted that he could make any money off of the case and therefore decided not to pursue it any further. Around this time, XXXX XXXX reported a collection activity to TransUnion ; and my credit score was immediately affected. I disputed the item with TransUnion, but all they did was ask XXXX XXXX if it was valid and uphold the charge. I contacted the XXXX XXXX XXXX, but XXXX XXXX failed to respond to the query, so it was closed. ( I did receive a mocking voicemail from XXXX XXXX in response to the XXXX query, however. ) I am now filing a complaint with the CFPB in the hopes that you will recognize that this charge is outdated and that adding it to my credit report is nothing short of criminal. Transunion needs to be held accountable and pay closer attention to who they are accepting credit information from. Please look into and advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called Transunion to dispute a hard inquiry on my credit report due to fraud and they refused to dispute it referring me to the company. XXXX..I called this bank already and they told me there is no application for me. There is only an Rooms to go account that I have been an authorized user on since XXXX. That is no reason for them to check my credit in XXXX. This is fraud. No one seems to care when I call XXXX or Transunion. They are so unhelpful. Neither company cares that someone has attempted to get credit in my name or pulled my credit without my permission.

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 2016-06-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I sent in several disputes to Transunion in XX/XX/XXXX and received a new copy of my credit report with each one having been " verified '' I requested further information/reinvestigation even after 2 additional requests for reinvestigation and method of verification and received nothing. Then today I received a XXXX page letter with a definition of investigation. Not a definition of an investigation into my specific request but a definition of the word investigation. I have attached a copy of the letter along with the copy of my " verified '' report from XX/XX/XXXX. Matching report numbers but again no verification. It has been well into 75+ days and they have shown no reinvestigation. 
Transunion needs to delete the disputed lines that they say they " verified ''

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 2016-04-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Delbert Services
State: AL

Complaint narrative:
In XXXX XXXX I took out a loan from Western Sky that I saw advertised on television to fund a move to XXXX to take a XXXX job. After applying I was contacted by a company named XXXX XXXX and they stated they worked with Western Sky. XXXX XXXX I noticed a company named Delbert on my credit report and that I opened an account in XXXX XXXX. After some investigation I found out Delbert is a collection company owned by the same person that owns XXXX XXXX. The loan was never late and I was never informed of the transfer. Apparently XXXX XXXX got in trouble in several states for illegal loans. They apparently were posing as an XXXX tribe company but they are not. This was the way they were trying to charge 89 percent interest. I talked to the XXXX Attorney General and they stated Delbert is not licensed in the state of XXXX. The Attorney General 's office suggested I stop making payments and contact the CFPB. I stopped the payments and Delbert is now showing the loan amount charged off. In XXXX the usury law caps interest at 29 % and the loan is in violation of XXXX law. Several states have ruled these loans illegal and the loans do not have to be paid.

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 2016-10-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
My husband and I went to XXXX XXXX XXXX, in XXXX XXXX, South Carolina on XX/XX/XXXX. At the time, we discussed the price with the representative who said that he had to discuss the cost with his finance representative and with his manager. We held on to all paperwork that had our personal information as we asked not to have our credit run, until we agreed on costs. He said he made some notes on the back about what we desired for a trade in cost and what we were paying for the vehicle and that he just needed to take a photo of that. He took the photo. Unbeknown to us, that photo also included our personal information. When he returned, he came in with multiple finance offers using me as the applicant and my husband as the co-applicant vice-versa. Once, he brought back the paperwork, we shared our frustrations and asked that he not run our credit and we left taking the form with us. Little did we know, the finance manager had copied our information and began running our credit more than 10 times. I have taken this issue up the dealership to no avail.

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 2016-10-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently applied for a job and was not told my credit would be ran. I also did not sign anything saying it could be ran. They ended up running my credit without my authorization.

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 2016-10-21 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 there system that violated the rights of their consumers under section 6.11. A s a result, I have been gravely effected and my credit score is suffering as a result. No Notice was ever given which is also a violation. I am requesting that ALL inquires be removed. 
Creditor Name Type XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Union Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Union Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Home Furnishings Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Department & Variety Stores Creditor Contact Details XXXX XXXX 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 explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit report reflects an account in collectio for XXXX dollars. 
I called the collection company and this account belongs to XXXX. 
The address and the name are n't mine but they still say when mySocial security it 's put in to their system they get that own them moneyWhich I truly know it 's not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21 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:
The accounts showed in my credit report are not mine. The accounts belong to a family member with a similar name. Therefore the score calculated is someone elses. I also saw XXXX account in collections which does not belong to me. Again issue of incorrect ownership, belongs to a relative and not myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 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:
I closed a credit card account I had with XXXX ( XXXX ) in XXXX XXXX. The amount due was paid in full on XXXX/XXXX/XXXX. More than XXXX days after the account was paid off I received a postcard from XXXX indicating that a balance of {$5.00} was more than XXXX days past due on the account. While I did not agree with this, I went to XXXX to see about just paying the amount since it was so small. The employees at XXXX indicated that the account had a XXXX balance and even if I gave them the money they did not know how or where to apply it. I was told " not to worry '' and that there was nothing due. 

XX/XX/XXXX I obtained a copy of my TransUnion credit report and was shocked to see that the account had been reported as an adverse account with the {$5.00} reported as more than XXXX days past due. I again went to XXXX and showed them the item on my credit report. I was again told that it would be taken care and the past due status would be removed. 

Several months went by and the past due status remained on my credit report. I then filed a complaint with Consumer Financial Protection Bureau ( CFPB ) in the XX/XX/XXXX as I was led to believe that it was TransUnion that was not cooperating with XXXX in removing the adverse account status item. The complaint I filed with CFPB resulted in the adverse account status item being removed from my TransUnion report. At this time I thought the matter was closed. However, it is not! 

XX/XX/XXXX I obtained another copy of my TransUnion report. The report shows that someone from XXXX requested a copy of my credit report on XXXX XXXX, XXXX ( without my consent and for no legal reason as I owe them no debt ) AND the closed account is again being reported as an adverse account. Additionally, XXXX changed the alleged late payment date from XXXX XXXX to a new date of XXXX XXXX. 

I have attached copies of my XXXX XXXX and XXXX XXXX credit card statements as they may also be helpful in the matter. 

I am once again seeking to have the adverse account item removed again, from all XXXX of my credit reports. I have never had a late payment with XXXX in all the years I banked with them and am finding it hard to believe that they are doing this to me, which is starting to look like harassment. The adverse item status they are reporting has also caused my car insurance rate to go up ( along with my XXXX XXXX! ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16 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:
I have sent sign receipt requested to a collection agency, AND to Transunion with valid proof that the collection agency has XXXX proof of the negative case on my credit report, Transunion will not take it off. I sent them Certified mail the information with proof and they will not take it off, and will not let me contact them. XXXX and XXXX complied. I want justice against them! All XXXX has is a FAKE Bill ... XXXX? They are XXXX fully out of compliance with all the legal entities, I was NEVER contacted for a response to my demand letter from XXXX, they just sent the fake XXXX bill to transunion, not me ... That 's how I found out whom they sent it to ... ILLEGAL IN ITSELF! They were FORCED to meet my demand letter and never complied, now they have broken the laws. I have PROOF XXXX XXXX of XXXX XXXX singed and receievd my demand letter. I have not had a response as of today 5 weeks too late, please get on this ... respectfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 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:
hi i have XXXX unauthorized inquiry my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX I DID NOT authoriz I asked trans union to remove or investigate the issue they Refused to do so and i also asked the XXXX to remove it as well no replay from them so i would like to file a complant on Transunion file number XXXX to have this removed from my report as a citizen it my right to have this removed and would like to have this removed there is a X by the area is this copy thank you

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 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I thought I was ordering XXXX free credit report from Transunion. I provided my credit card number as requested to verify my identity. I never saw information about a charge for additional services, but XXXX charges showed up on my credit card bill, XXXX for {$1.00} and XXXX for {$21.00}. When I called customer service I was told that I had ordered a " free '' trial membership ( for {$1.00} ) and when I did n't cancel it within 7 days, I was charged {$21.00}. I never knew I ordered this. The rep referred me to the " escalation department '' who cancelled my " membership '' but refused to reimburse the amount charged. The rep told me I used the wrong website to get my free report, and it was n't their fault. Very deceptive. I now see there are lots of similar complaints online. I never thought to check them out before doing business with them. I thought being XXXX of the XXXX credit reporting agencies to which we are repeatedly referred to check for identify theft, that it would be a reputable company. Clearly not. Can anyone stop them from deceiving others?

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