vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Under credit inquiries both Transunion and XXXX are showing XXXX hard credit inquiries. I have made XXXX ( XXXX ) transactions that would trigger a hard inquiry. 
All inquiries shown have been made without my knowledge, consent or action with companies that I have an on going relationship and should not be shown as hard inquiries, but as soft inquiries made by companies without any effort or permission on my part. Thank you for correcting this matter.

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 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Items were not investigated. Contacted court house stated they do not report information to credit bureaus. Transunion stated they verified the information and it is not factual and is inaccurate.

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 2016-01-29 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
the transion is tacking {$17.00} OUT OF MY CHECKING ACCOUNT FOR THE LAST TWO MONTHS AND IVE NOT GIVING THEY PERMISSON TO.SOME ONE HAS STOLE MY BANK ACCOUNT NO AND GIVE IT TO THEM I WONT THEM TO STOP TACKING THE MONEY OUT MY ACCOUNT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Mortgage has refused to updated or delete my delinquent status of my Home Mortgage Loan, for approximately 18 months. I paid off my home 2 months ago, the total balance, and I have requested updates from XXXX, but to my surprise I have yet to see any progress in this. It is negatively affecting my credit score, and I am in the process of submitting a loan application with the XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXX which will provide me the capital needed to expand my business. I plan on opening my second jewelry store in XXXX of this year, and I desparately need to clean my credit by XXXX XXXX. Any help on this would be greatly appreciated.

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 2015-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
my recent credit report TransUnion there is a adverse account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX account date open XXXX/XXXX/2013, is an individual account, account type : open account ; loan type GOVERMENT GRANT. PAST DUE {$2300.00} ( all this information retrieve from my credit report with TransUnion ) contacted the US TREASURY and talk to a representative name XXXX stating that there is no records of any debt under my name or social security number. contacted TransUnion credit company and they have open a XXXX investigation to get any results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disturbed that TransUnion continues to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Trans Union have no right to maintain information which the government has deemed nonexistent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
It shows on my credit that I have a {$75.00} balance still do to a collection angency. I called that agency and they have notified me this balance was paid in 2012!! Why is it still on my credit report and its affecting my score to get any types of loans. Please help

Company public response: Company 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 — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX screwed me up after I closed my account with them with no balance because they said I owed them {$40.00} after I had already closed my account and they never notified me of this after we had mutually parted ways. They kept reporting this on my credit and when I found out about it I called and gave them the {$40.00}. To this day this is till negatively affecting my credit and I feel like they violated the credit consumer laws by not notifying myself in writing about the unpaid balance after I had successfully closed my account with them in good standing and with no balance due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent letters disputing my accounts on my Transunion Credit Report. Company stated that status was sent via email. I asked what email address they had and they responded they did no have an email address for me. They have not sent anything verifying my signature for any of the debts I disputed.

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 2015-07-29 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:
When my ex husband kicked me out of his house i lost all my personal information and he would n't give it to me and told me he could't find it. Then after a month i started getting att phone bills in my name and i never opened a att phone account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is in relation to cfpb # XXXX. As i have made every effort to resolve my issues with erc in relation to the account that had been missused by my former roomate. As stated in the provided documents the deletion took place on approx XXXX, XXXXhowever it was re inserted 2 days later ( with no 5 day notice from Transunon ) this was apperently because i disputed thus it was re inserted having learn this was not the proper thing to do. After being made awere of this I stop the dispute process after the last correspondence with cfpb in relation to case XXXX on XXXX with the assumption the account will be removed from the tradeline as it has been with the cra both XXXX and XXXX.In addition a certified letter with the documentations has been sent to Trans union signed for on XXXX. This has gone on for over 30 days with no resolution in sight thus this action to the CFPB. I hope after the review of the clear intention to be remove the files dated XXXX XXXX AND XXXX XXXX BY XXXX, but it still remain on transunion tradeline causing me to spend much time and effort for something thats prety black and white.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 've had my credit acquired by someone else and purchased timeshares in my name XXXX and XXXX, that are not mine and I have never claimed them. I 've tried to dispute with the companies and credit bureaus themselves, along with submitting my Government ID and Social Security Card mailed in. I have several Inquiries that I have disputed but to no avail and a Collection and Late from XXXX XXXX which was Paid in Full ( see attached ). 

This is the list of inquiries on my credit report. Mortgage Reporters I 've only allowed XXXX mortgage company to check my credit for a mortgage XXXX XXXX ( XXXX ). I have not went car shopping, and do n't know why it 's on my credit report. 
XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN I 've disputed all of these things but they only ask me to resend my Government ID and Social Security Card, yet again. I submitted it the first time with the dispute.

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 2016-05-15 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 file a police report supporting my claim on fraudulent accounts that are reporting negatively on my credit report, that I did not apply for nor did I authorized someone to use my personal information to obtain credit. I lost my wallet with my personal info, and to my knowledge someone has been using that information to obtain credit and write bad checks.

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 2016-11-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Discovery Systems, LLC
State: IL

Complaint narrative:
A man called my work and asked for me. I came on the line and said I am not allowed to take phonecalls at work. He said he is just going to keep calling me at work until I take care of this. He called me 3 more times in 30 minutes. 

I said, " what company are you from? '' several times, and he would not tell me. The number that called me was XXXX. I am not sure if this is a scam or what, so I said send me the information. He said, " If you 've gotten something, why should I send you more? '' I said I thought this was something I had already paid. He is saying It 's something different. So, he needs to send me the info. but instead he just wants to harass me at work. I could loose my job.

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 — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed this through all XXXX credit agencies. I had a XXXX credit card. It was paid off and settled. XXXX still sold the debt to XXXX XXXX and they are still trying to collect on me since XX/XX/XXXX from XXXX and Since XX/XX/XXXX for XXXX XXXX. The account balances are completely different and the debt was paid off to XXXX before ever going to collection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I disputed XXXX errors on my credit report. I waited for 30 day and Transunion sent me a letter stating they could not find my report ( this is enclosed ). I pay for credit monitoring from Transunion ( this is also enclosed ). I have been a customer since XXXX 2016 ( this is enclosed ). Therefore, Transunion has my credit report otherwise how would I know what is on it? I asked for 5 items to be disputed and since they failed they need to delete them immediately per the FCRA. I am not asking for another dispute. 
The items were : XXXX {$140.00} XXXX XXXX {$1000.00} XXXX {$1000.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$14000.00}

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 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
on several accounts, there is a mortgage listed as included in Bankruptcy, yet I did not have a mortgage included in my bankruptcy filing. I can provide a copy of the discharge and all bankruptcy paperwork to show the actual filing.

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 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
The following inquires on my credit report were NOT authorized by me. 
I had financing secured through my credit union and has cash available to pay for a vehicle. I have tried to have these items removed and they still remain. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am showing as late XXXX XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit 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 2015-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This complaint is against TransUnion Credit Bureau and related to complaint # XXXX. TransUnion is reporting from my mortgage servicing company XXXX XXXX XXXX a Derogatory status. This is inaccurate and seriously wrong status. My loan has never been delinquent or not in current status with XXXX XXXX XXXX. I have submitted documentation with complaint XXXX. This inaccurate status has impacted my credit report and caused me harm. Additionally, it is violation of the CFPB laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed XXXX accounts with transunion credit reporting agency informing them that these accounts were reporting inaccurately and to please remove off my credit report. When I received the results the accounts came back verified. I then called the original creditors and they were not able to provide me with information regarding the accounts I disputed. I then called transunion and request the method of verification to be provided to me. They told me they do not have any documentation to provide to me and that I need to contact the original creditor. I then informed them that I did in fact contact the oringinal creditor. She then stated that that is where they got their information from and I was like please provide me with this information and she stated she can not give me this information. I informed her per the fcra that o have the right to request method of verification and she said yes you are correct and to contact the oringinal creditor. I then informed her once again that I did talk to the them and I can provide you with the name of the person I spoke with, the time, the telephone number as well as the department and they all told me that they do not have any information regarding those accounts. I then asked to be put on the phone with a supervisor and she told me to hold and then she hung up the phone on me. The accounts that I am requesting to be removed are : XXXX/express acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 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: NY

Complaint narrative:
I called TransUnion at XXXX to put a fraud alert on my social security number after it was released by my employer to the wrong employee. TransUnion had me provide all information into the phone and than provided me with the address of XXXX. The recording told me to send my personal information, social security card, and another form of identification, such as my drivers license. However no other information was provided, therefore I have no idea what I am supposed to send requesting to place a fraud alert on my account, no form or anything. The recording only said send my social security card to this address. I am in a great amount of frustration over the whole process and just want to place a fraud alert on my account to XXXX and TransUnion. How can I get this done?

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 2016-03-14 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:
To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/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 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed inaccurate account on my credit report from TransUnion and I still have n't had got a response on dispute investigation back on my results or my return receipt signature it 's has been 30days and I 'm still waiting.

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