vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XXXX my house was up for Foreclosure, but an agreement was made with the lending institution to have the matter turned into a short sale instead. Also, before this arrangement was made, the company continually told me that they would do everything possible to help me keep the home. I was given a payment schedule of {$1200.00} a month, which I followed consistently. The agreement allowed me to stay in the home until a buyer was found by a real estate agent. They also gave me a check for {$3000.00} once the buyer had purchased the property and the house was emptied and cleaned. I abided by all the rules of the agreement and was eventually told that they were not able to help me save the home, but they would allow it to be a short sale. 
Now they have sent the credit bureau false and negative information about the matter. It is now listed as a foreclosure on my credit report. I sent documentation to the Trans Union showing that the house was a Short Sale. They in turn sent me a letter stating that the negative report would remain on my credit until XXXX XXXX. 
This information they are reporting in incorrect and should be removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have attempted to get TransUnion to remove a XXXX item on my credit report that is erroneous. I never had a XXXX account. This erroneous item prevents me from providing a home for my children and it impedes my employment. The harm is made all the worse because it is easier for a corporation to mistakenly or erroneously place a collection on a consumer 's credit report than it is for a consumer to remove such items. Please have TransUnion remove this false item from my credit 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 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I wrote letters to XXXX XXXX and XXXX asking them to investigate and REMOVE the inquires form my credit reports from XXXX BUREAUS because they were hard inquires and there was no basis for the inquires. I did not apply for anything with XXXX XXXX. It has already been investigated and the still want 60-90 days for this to be removed but it should not have been there in the first place. I have attached supporting documents.

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 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was sued and placed in collections with this company but the case was dismissed. Please remove XXXX XXXX charge off and XXXX Collections from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have written to Transunion four times in reference to inaccurate information on my credit report. I have requested that they delete it. Each time they have responded to my letter claiming that they have verified the information on my credit report but have not provided me with any physical verification or proof that these are my accounts. This is in complete violation of laws in the Federal Credit Reporting Act.

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 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Transunion removed inquiries from my report and added them back with proper notification and it 's against FCRA

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 2015-05-27 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I had a vehicle on lease through Ally Financial. I paid the bills on time, and turned the vehicle in on time, under mileage, and with no damage. Ally 's inspection shows damage that was n't there when I turned the vehicle in. I had to continually XXXX them down to get a response to my complaint. It finally took several calls, and a letter to their CEO to get someone to respond to me, but even then, they would not accept my best evidence ( a digital photo which they would n't accept through email ) as to the fact there was no damage upon turn in. They reduced the amount owed, which I paid, to avoid damage to my credit rating, but there was no opportunity for arbitration, or appeal. There was no process whereby they would respond to me proactively -- except to collect money. The inspection process was clearly set up as a yield enhancement for Ally, and had nothing to do with diminished residual value, as they we looking for scratches under the hood. There was no evidence of chain of custody of the car after turn in. There was no way to provide my best evidence of no damage. There was no independent appeal opportunity. There was no single point of contact to deal with. There were no return calls without my initiating the call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Wrong name. XXXX incorrect. Not my name, please remove. Also length of credit history wrong. History is over 30 yrs

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 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
does not belong to me please remove medical XXXX account

Company public response: Company 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: CT

Complaint narrative:
On XXXX XXXX, 2016 I faxed a letter to TransUnion with a copy of a letter that was returned to me as undeliverable with the address that was on my credit report. I asked them to remove XXXX from my credit report for inaccurate reporting. Nothing has been done yet. I have called and confirmed that they received the fax. They are refusing to delete and breaking the FCRA law.

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 2016-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I need your help in getting these incorrect address information and unauthorized inquiries removed from my Transunion Credit Report. Please remove addresses : XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX. This information is a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following dates are when I made contact with Transunion via latter disputing inaccurate information on my Credit Report. On or about XX/XX/2016, on or about the XX/XX/2016 ( Certified Mail ) & on or about XX/XX/XXXX. On or about XXXX/XXXX/16 I called Transunion requesting an update on the status of my disputes and the Representative informed me that they are still being investigated. I replied by saying that it has been more than 30 days since my dispute. I was told to be patient and that my disputes were being investigated. Approximately 1 week letter I got a letter from Transunion AT MY HOME ADDRESS stating they will not investigate my disputes regarding the " Inquires ''. The next day I called Transunion and the Representative confirmed what the letter stated. Furthermore, the Representative told me IT WAS MY RESPONSOBILITY to contact each establishment and have them send me a letter stating that the inquiry need to be removed from my Transunion Report and once I received that letter I can forward it to Transunion. On or about XXXX/XXXX/2016 my neighbor visited me at my home and gave me a letter sent by Transunion to her residence with my name on the envelope. The letter was regarding that they did not have my up to date address and until then a proper investigation will not be conducted ( If that was a true statement why did Transunion successfully send me a letter to my HOME ADDRESS/RESIDENCE on or about XXXX/XXXX/2016 ). Based on this incident it is reasonable for me to think that this is a tactic being used by Transunion to delay in doing a proper investigation to determine if the information I disputed are in addition to bringing into question the quality of their investigation. Transunion has my accurate address. Please note that my first contact with Transunion has been more than 60 days ago. Supporting documentation are available upon request.

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

Complaint narrative:
i have been contacting Transunion for over a month trying to get inaccurate information deleted from my files. I checked my credit on XXXX XXXX, 2016 on the XXXX site and had a total of XXXX hard inquires removed from my report. I checked back on the XXXX site on XXXX XXXX, 2016 and all XXXX hard inquires were placed back onto my account without anyone notifying me about the reinsertion letter as required by fcra section 611. I 've made numerous calls ever sinced this matter occurred. And could n't get help from anyone. I requested several times to be transfered to the fraud department or an US reprensentative. Keep getting the run around. Many of them had nasty attitudes. Many said they knew of the situation, but oh well. Take it as a loss. Said to file a complaint because they were n't going to help me, and hung up. This happened several 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 explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There 's a public record on my report I already made payments on this so I do n't understand why it 's there when I call they said I have to dispute it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I logged in my credit report XXXX XXXX 2016 and my mortgage late payments were removed and now they are back on there which has brought my credit score down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my credit report on transunion and had An unauthorized hard inquiry from XXXX XXXX on XXXX XXXX, 2015. 
Their address and phone number is : XXXX, MN 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 2017-01-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I ran my credit report through TransUnion on XXXX XXXX, XXXX and noticed that my XXXX XXXX XXXX was scheduled to be removed from my credit report on or around XXXX XXXX. I ran my credit report again on XXXX XXXX, XXXX and notice that the date of the removal changed from XXXX XXXX to XXXX XXXX. I disputed this discrepancy online and through customer service and bought it to their attention that they re-aged my account which is illegal. I waited until I receive their official investigative results in which they kept the XXXX XXXX date of removal. I spoke to XXXX XXXX who could n't explain why the date of removal was changed. I was then directed to XXXX Bank in which I had the WORST experience I could ever recall in my adult life! The representative told me the information was correct on my credit report, that the information from my XXXX report was incorrect and that there was nothing I could do about it. I am attaching proof of credit report ran on XXXX XXXX and on XXXX XXXX to show the discrepancy. I also plan on filing a complaint with the Attorney General because they should not go unpunished.

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 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
All I wanted to do was delete these few items off of my credit report that are not mine.

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 2015-12-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted multiple disputes for a Tax Lien on a boat that I sold in 2012. Apparently the buyer shipped the boat out of the country and DMV never received my Release Of Liabality. I have since filed another Release but every year since received a tax lien and a couple of which i paid because I did n't know what to do. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
at trans union it is different than any other credit report it is reporting that XXXX and XXXX and XXXX are bad accounts but they are not they were paid in full and closed by 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 non-monetary relief
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a a unverified account from XXXX # XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2017-03-07 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:
I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have XXXX collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been.

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 2016-04-20 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:
I went to my accountant so she could efile my tax return, she was told that my taxes had already been filed.I mailed my taxes certified mail to the IRS. I filled out the XXXX for for Identity theft. 
Now I am placing this this complaint to prevent my Credit from being stolen. This is possible identity theft.

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 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
this not my credit card w/XXXX XXXX please remove from all XXXX reports. 
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 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I just pulled up some info XXXX and noticed a company called, XXXX that has me with a balance Of {$1100.00}, from 2011, I have no idea of such a debt, and believe this is definitely an error.Thank You I really do n't use computers enough to do all the upload requiring, sorry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is not responding to my requests to investigate and remove accounts from my credit report that do not belong to 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 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is not responding to my request to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act.

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 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I previously held a revolving account with XXXX. In XXXX of 2013 the account was settled for a lesser amount, paid off, and then closed. This company is still reporting late payments although the account was paid and closed. It is not possible to be late on an account that does not even exist. I have filed four disputes to date. Every dispute finds that the reporting is inaccurate and the issue is fixed, until the following month. The company then reports that I am late as if the dispute and resolution never occurred. When I call the company directly I get continuously transferred and am forced to leave a message. I have never received a return call or any attempt to fix the situation directly from the company. This is harming my credit and effecting my chance to purchase a home.

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