vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-11 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:
On XX/XX/2015, I received financing for the purchase of a used vehicle yet to be determined. XXXX XXXX XXXX XXXX ran my credit with my authorization and gave me the go ahead to find a car and they would finance it. I went to XXXX dealers and they both said they would not run my credit unless it was a soft inquiry and it would n't show up on my credit report. I then received XXXX new inquiries on my transuion and XXXX reports, which just showed up when i ran my XXXX report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 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: MI

Complaint narrative:
I tried to get my free credit report online. I was unable to do so. I fear someone is using my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are inquiries of my consumer report that were deleted & reinserted. XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX & XXXX XXXX. XXXX Bank XXXX XXXX. XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XXXX XXXX, fraudulent attempts were made to access my existing credit card accounts ( unsuccessfully ) and to open new accounts ( unsuccessfully ). At that time, I placed security freezes with all XXXX credit bureaus. In XXXX, XXXX, XXXX of the XXXX bureaus ( Transunion and XXXX ) temporarily released the freezes to a fraudulent person. That person subsequently fraudulently opened XXXX credit cards in my name and then attempted a change of address on both cards. There is no mechanism in place for the credit bureaus to confirm identity ( other than the previously issued PIN ). A phone call to a phone an existing phone number in my credit file would have prevented the freeze release. Transunion released the freeze even though a credit card that was not mine was used to release the freeze. That credit card used is not on my credit report and the phone number used to release the freeze is also not on report. Transunion DID provide me with a new PIN after the fraudulent release AND it will ( supposedly ) now require a fax of identifying information prior to releasing a security freeze as well. XXXX released the security freeze even though the call to release the freeze was disconnected prior to getting any credit card to secure the release. XXXX then refused to issue me a new PIN without creating a new security freeze for an additional fee! So with XXXX there is still no mechanism in place to prevent the fraudulent person from again releasing the security freeze.

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 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
One of my creditors reported me deceased back in XX/XX/XXXX, it has been a living nightmare trying to have it reversed. I have submitted complaints to XXXX, Transunion & XXXX to date Transunion and XXXX. still have me listed as unrated and deceased. XXXX has not updated my report. Therefore I can not get credit, and I have a business and it is severely affecting how I do business. After many letters sent certified return receipts, I am at a loss as to what steps to take next. In XX/XX/XXXX XXXX XXXX called my mothers house to update their files? never called me, and she said XXXX XXXX years ago, that was my dad, XXXX did not send letters to my to confirm or call my cell. They wrote that account off and left XXXX other accounts active. 
I want to know who to talk to how hard can it be to reverse the damage. And XXXX will not talk to me I get transferred to XXXX. 
I am at my wits end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I attempted to buy a car from XXXX XXXX in XXXX XXXX and the manager insisted he had to run a credit check which is XXXX hard inquiry. I told him not to run a credit report for a loan on a whole lot of companies because hard inquiries are hard to get rid of when you they are on your credit report. I gave him permission to ask for a loan from XXXX XXXX and XXXX XXXX which are XXXX auto loan companies I am currently using to pay off car loans and are in good standing. Well, needless to say he ran my report XXXX times lowering my score of XXXX to mid XXXX 's. I would like these hard inquiries removed from my credit report so I can purchase a new car or buy a home. I had a good score now I have a bad XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10 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 am getting a report that has told me some one has open a mortgage in my name and credit my credit score is now down I believe because of it. I have not open a mortgage loan at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have several accounts listed with you that are fraudulent some of these companies such as XXXX acct # XXXX have said they are removing these items as fraud as my idenity has been stolen but your credit reporting company has refused to remove it as such i have filed a fraud affidavit of identity theft and police report notarized the report also includes the email in which it was sent electronically with the named accounts that need to 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 2015-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX/XXXX/2015, I submitted a complaint against XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. The case was opened due to an open case with the landlord. At this time I am in appeal process and no judgment has been filed on the case. There was a hearing on XXXX/XXXX/2015 but was reset for XXXX/XXXX/2015. Per court documentation a XXXX Oath was filed on XXXX/XXXX/2015. At this time I have not been evicted, and I am currently still in the rental property. I have submitted attachments of the Notice of Appeal, as well as XXXX Order of Trial documents for XXXX dates. Each document has been stamped by XXXX XXXX XXXX XXXX Office. Until this case has been resolved in front of the judge, the landlord can not place this information on my credit report. Please refer to Case # XXXX for documentation submitted to Consumer Financial Protection Bureau. I have also mailed proof of documentation to each credit bureau, as well as disputed online. 
Each negative reporting of the judgment that has not been granted to the landlord must be removed accordingly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I monitor my credit weekly. I have learned that my prior credit score of XXXX has been dropped to XXXX with no changes on my report over the past month or XXXX. Why did my score change?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 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:
TransUnion continues to report information for collection agency that i submitted several disputes for. XXXX Collection Agency is reporting a debt that 's is not mine. Its an apt complex i never broke the lease. There was fire and as you can see on the attached information that was sent to both TransUnion and XXXX XXXX was not my fault. It clearly states undetermined and Apt complex continue to say is my fault because they do n't want to use their insurance company. I also spoke with their district Mgr XXXX XXXX. he was aware of the situation. Please have this information remove as i 'm trying to purchase a home. 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 non-monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Credit report continues to show duplicate accounts that will not be removed. After running the XXXX score simulator the results indicated if I make my payments on time for another 20 years my score will still be XXXX poor? There reporting is so invalid. The credit card companies XXXX, XXXX just pull hard inquires whenever they feel like it XXXX for XXXX application. I give up ... As soon as the computer system was able to log disputes the reporting agencies employees became even lazier than before, they just wait 25 days and update with the same incorrect results. They contacted a closed business for verification? Yeah right. Its all scam now, as soon as you log in they want your money to upgrade to this and that and they are in cahoots with the credit card companies that pay them to advertise.

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 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have bank accounts and other improper usage on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 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:
My ex added me as an authorized user. However, I never had a card. 
The card was subsequently charged off. Trans Union has refused to delete this item even though I am not liable for 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 2016-04-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX has inaccurately reported to XXXX and TransUnion Credit agencies that I had a late credit card payment in XXXX of 2016. This is not accurate. After speaking with XXXX XXXX on multiple occasion they informed me on those multiple occasions that I do not have any late payments. When I contacted XXXX they have informed me they have sent multiple off-cycle updates to the Credit Reporting Agencies to update the inaccurate information. This has not occurred as the same late payment is still on my credit reports. 

I have disputed the late payments multiple times and nothing on the reports has changed. Either XXXX XXXX is not responding to the disputes or the Credit Reporting Agencies are not truly investigating and providing the same inaccurate information when they receive the disputes. All said the issue is not resolved and its been 3 months since the initial dispute was filed and XXXX along with the Credit Agencies have been contacted about the issue. 

I do not want to have to resort to legal means to get the issue resolved but will if it is not handled immediately. This is black and white, I did not have a late payment in XXXX yet it is being reported as late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP. I had attached a chat that I had with a XXXX Representative that confirms my statement.

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 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filing this complaint because TransUnion, XXXX, and XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 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 non-monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the accuracy and completeness of my credit report by Trans-Union. They have continued to state they can verify information and the pay history is not in chronological order on any of my student loan information XX/XX/XXXX and XX/XX/XXXX. 
They are not accurate. They are reporting according to the 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 explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX is not accurate. That account was closed, it is not delinquent.

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 2016-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Commercial Services, Inc
State: NC

Complaint narrative:
I was involved in an accident on XXXX XXXX, 2015. I was moving from XXXX to XXXX. Police came to the scene of the accident, and the police did not give me a ticket. The officer said he did not draft a police report. I never received any calls regarding a claim against me, or issues with being an uninsured motorist. XXXX paid for damages, and I paid a {$1000.00} deductible. Nothing happened until two weeks ago, when my parents got a call about a debt owed for {$3000.00}, but no cause for the debt. I contacted National Commercial Services, and they told me the debt was for {$5000.00} due to a tort claim as an uninsured motorist. They did not provide any further details as to the debt, except that the other driver 's insurance had already paid their claim. I was told by NCS that this debt was for being an uninsured motorist. I received a letter in the mail stating they 've tried to communicate previously, but I never received any information. They have threatened to request the DMV to suspend my license. I have not been sued, so I have no idea where this debt came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are XXXX accounts on my credit file that are over the time frame of 7 to 10 years allowed by the FCRA for reporting. I have disputed these entries to no avail and have not been given a reason for them remaining on 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 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion fails to remove the XXXX XXXX accounts.. Transunion reports incorrectly that this a duplicate account. 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 non-monetary relief
Consumer complaint received 2015-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XXXX XXXX my XXXX year old son XXXX XXXX went into an XXXX store in XXXX XXXX NY to inquire about purchasing a car. In doing so his credit was run. Although he is XXXX years younger, has a different social security number and uses his middle initial " J '' ( I do not have a middle initial ). the hard inquiries are being reflected on all XXXX of my bureaus, which in turn lowered mi FICO scores.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This letter is my formal complaint, and ask you to investigate the business practices of Trans Union. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

They have no Verifiable Proof ( an original Consumer Contract with my Signature on it ) to verify that the account belonged to me the first time they reported the account on my credit report. Their failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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 check my credit transfusion credit report and I noticed that all my inquiries had been removed 3 days later I checked the credit report again and the inquiries were back on and by law if inquiries go back on my report I 'm supposed to get a five day notice and I did n't receive this letter in the mail so I want the inquiries removed.my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Arkansas XXXX My date of BIRTH is XXXX/XXXX/1965 My social security number is *********** Thank You in advance

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 2016-09-20 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:
Trans Union had a glitch in their system that violated the right of their consumers under Section 6.11. Ask a result I have been greatly affected and my credit score is suffering as result. No notice was ever given which is also a violation. I am requesting that all inquiries during this time be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
the balance was XXXX $ and XXXX $ latte fee total shood be XXXX $ and be send to me to pay it off

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
sent dispute form to Trans Union for late payment inaccurate reporting.

Company response to consumer: Closed with explanation