vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX my credit report showed XXXX collections, on XX/XX/XXXX my credit report from transunion showed XXXX collections. The following day it updated to XXXX of the collections that were previously on there before it went to zero being re insterted. This is a violation of my rights and against the law to reinsert information without a 5 day notice. This never happened. I 've attached supporting documentation via XXXX my credit reports before the incident when it happened and after. reinserting them without writing a letter 5 days prior to reinserting them then they are breaking the law so they have to remove those collections and send an updated 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 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have attached the account I was only a authorized user on this account have have been removed off this account since 2009 and it has been requested to be removed off my account this belongs to my ex husband please remove contact XXXX I am not on this account and havent been for years please correct

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XXXX XXXX, 2016, I checked my credit on XXXX XXXX and had a total of XXXX hard Inquiries removed from my report. I checked my account on XXXX XXXX, 2016 and all XXXX Hard Inquiries were placed back on my report without sending me a reinsertion letter as required by FCRA section 611. I have been calling Transunion ever since and have received no help. When I ask to be transferred to an American representative, no one will transfer me. Several agents have been belligerent, that they know what happened, but it 's basically too bad and I should simply file a complaint because they will not fix 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 non-monetary relief
Consumer complaint received 2016-10-25 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 have been a victim of identity theft and have provided Transunion with a police report several times. I have disputed inquiries that have showed and run fraudulently and not authorized by me which is a result of my identity theft. Transunion refused to delete or investigate these on several occasions. After calling back yesterday I was told to prevent this from happening in the future I can pay for their credit lock feature which would block people from being able to request or view my credit. I was basically forced to buy a feature that did n't even work for me, after trying to use their credit lock feature I was told to contact customer service because there was a error while trying to do so. After contacting customer care I was told I am unable to place a credit lock on my credit due to the fraud alert I have on file. 

The items below are all the inquiries I am deleting. TransUnion stats these are permissible inquiries however I did not give my permission, furthermore these are hurting my credit score. I have not applied for credit in 4+ years. All these are a result of identity theft. 

The inquiries I am disputing are : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/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 explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted the creditor called XXXX directly and they submitted completely erroneous information and TransUnion is non responsive. The original creditor has advised me they are at fault but have no direct method of letting TransUnion know of the error. That I have to submit this information to dispute the information is not ethical there should be more transparent avenues for creditors to let TransUnion know that it must be corrected. That I must dispute this and then wait for an incredibly long time for it to be resolved creates liability issues since my other creditors could react negatively to the incorrect information. I have attached the account information in the attached document.

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 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The information still shows that I went Bankrupt. It has been way .... over 7 years. It needs to be removed because of the Statute of Limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I applied for my free credit report on XXXX/XXXX/2016 from XXXX, XXXX, and TransUnion, but I only received a report from XXXX. I applied on line and have not yet received an XXXX or a TransUnion 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 non-monetary relief
Consumer complaint received 2016-04-06 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: OR

Complaint narrative:
I got the Transunion free credit report, which took a lot of work, then I had to leave and when I returned several hours later, it said I had to pay 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 2015-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
A name and address is wrong. I have never used the name or lived at the address. The incorrect name is XXXX, XXXX, XXXX and the incorrect address is XXXX XXXX, XXXX, XXXX. The correct name is XXXX XXXX XXXX and the correct addresses are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. Please correct this information on 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 2016-02-23 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: OH

Complaint narrative:
it started with Transunion i 'm aware my score is well over a XXXX i 'm currently trying to refinance my home and dispute some items but creditor can not obtain a credit score from my Transunion file and previous disputed items have not been removed from other credit reporting agencies all my history is there but the score that was mailed off cant be honored, I went to court and the courts ordered XXXX home mortgage to reinstate my mortgage and then XXXX home mortgage offered to remove XXXX in debt from my home purchase which leaves it at XXXX with a monthly amount of XXXX please update and provide a Transunion score for my file please in reference to account no # 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 2015-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
According to my credit report dated XXXX/XXXX/2014 my XXXX XXXX utility bill is more than 90 days overdue. However, I have not missed a payment since opening the account XX/XX/XXXX. The credit report also states that the account is current, but the payment is late. I have disputed this with Transunion but have not gotten a response. I will mail supporting documentation via USPS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a Mortgage Loan with a bank, XXXX XXXX. This property was returned in foreclosure in 2013. It still appears as open accounts. They should be closed accounts now. XXXX XXXX went bankrupt and does not exist anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 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:
In XX/XX/XXXX, XXXX XXXX reported a hard inquiry dating back to XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 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: IL

Complaint narrative:
The agencies say they have provided my free annual report, but the only report that will display will XXXX. XXXX has an online dispute, but the system is always " temporarily down '' when trying to submit a dispute. They asked that a manual form be filled out and sent. I ca n't dispute incorrect items with XXXX and ca n't even recieve the free reports from the XXXX other agencies.

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 2016-08-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
XXXX XXXX ( my former boyfriend ) had an auto loan through Ally Auto. I have made all of the payments and have a notarized document statement indicating title of the vehicle XXXX purchased will be transferred into my name once the loan was paid in full. The vehicle we purchased was in an auto accident on XX/XX/XXXX, resulting in the loan being paid off in full in XXXX. XXXX and I have made multiple attempts to request Ally Auto to send a lien release letter or card but the only thing they have sent is a letter confirming loan being paid in full. The MN Dept. of Motor Vehicle will not allow the car title to be transferred into my name until we provide them with supporting documentation of lien being released. I am attaching a copy of the letter Ally Auto sent us on XXXX XXXX, indicating our loan being paid in full. Could you please help XXXX and I with getting a lien release from Ally Auto?

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 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request to provide 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 the 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 manner 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 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX collection accounts and XXXX inquiries was removed from my Transunion credit report. The XXXX accounts and XXXX inquiries was placed back on my account without giving me a 5 day notice that the accounts will be placed back on my credit report. XXXX of the accounts was placed back on my report under other loans with XXXX missed payment on each account. As a result of this it caused my credit score to decrease as well as my payment history.

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: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
A review of my credit report has identified a public record dated XXXX/XXXX/XXXX. This public record is a civil judgment regarding a bad debt to a credit card issuer. While the original trade-line has been deleted and replaced with the judgment, the original Date of First Delinquency was XXXX XXXX. It is due to be deleted in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX listed collection accounts on my credit report for XXXX XXXX on XXXX XXXX, XXXX. However they listed the original reporting date as XXXX XXXX, XXXX. When I called XXXX XXXX XXXX XXXX ( XXXX ) I spoke with XXXX XXXX a Collections Representative on XXXX XXXX, XXXX he indicated the actual debt occurred in XXXX XXXX and had already been paid by XXXX my auto insurance carrier under my personal injury protection ( PIP ) coverage in XX/XX/XXXX. I then spoke with XXXX XXXX XXXX XXXX for ( XXXX ) and he advised me of the same. However this account was actually paid prior to it being updated on my credit report on XXXX, XXXX which they knew false information was being provided to Transunion. However I did notice the changes to my credit report until I checked on XXXX XXXX, XXXX through XXXX XXXX XXXX. Transunion failed to calculate the timeliness of this reporting as being out of the statue of limitations for the State of New Jersey which allows a XXXX ) SOL on all debts. Also this debt involves medical information, Transunon requires me to contact a special handling person in order to discuss or file any disputes as they see them as frivolous or being done by a third party credit repair company. I check my all XXXX of my credit reports monthly and these collection accounts was never reported until XXXX XX/XX/XXXX. 
XXXX has agreed to delete the accounts as they are not accurate as they have admitted and XXXX XXXX asked me why it took XXXX so long to pay the medical bill and I reported to him that was a question for XXXX not me. According to the FCRA : Duty to Correct and Update Information - If at any time a person who regularly and in the ordinary course of business furnishes information to XXXX or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify allCRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). 
Transunion also had an obligation under the FCRA to report accurate information in which they should have questioned the update status as they collection accounts never appeared on my credit report until XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have submitted several credit applications, and have been rejected and have a declining scoreThere is a XXXX XXXX listed, never lived in a XXXX XXXX , my current address isXXXX XXXX XXXX, Ct XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 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:
Transunion is denying that they have a credit report for me, and/or refusing to provide me with a free copy of which I am entitled to per the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed. Also notice.d that my date of birth was incorrect

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 2016-10-02 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 called Transunion several times and sent letters concerning unauthorized inquires and inaccurate accounts on 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 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
This was a tax lien that has been paid and released. Documents were sent to all XXXX reporting agencies of the release of the lien, but the derogatory remark is still on my credit report, and Transunion XXXX refuse to remove it, after countless attempts on my part to have them do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: AZ

Complaint narrative:
I made an agreement to pay a debt, to Ad Astra, with an initial balance of {$850.00}. Now the collection company say the initial balance was XXXX. I have made XXXX payments since XXXX 2016, each receipt was miss posted at the original company, XXXX. After each payment posted I called Ad Astra, they said the payments posted correctly on their end. All was fine until XXXX XXXX, 2016. That is when they told me my initial balance was {$1200.00} and they did not want to send the recorded call of when the agreement was made. I have emails from XXXX showing the initial balance.

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 — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion is reporting a misspelling of my name. They are also reporting that I am unemployed. I am employed full time. 

XXXX is reporting an address that I have never lived at. They are also listing me as being unemployed. I am employed full time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had an account that had gone into collections for the amount of XXXX with XXXX XXXX through XXXX different collection agencies. XXXX that had opened XX/XX/XXXX through XXXX with no closing date yet last reported on XX/XX/XXXX. 
I then had another through XXXX that was opened XX/XX/XXXX with no closing date that was last reported on XX/XX/XXXX. 
This account was directly paid through XXXX XXXX on XX/XX/XXXX in full. It shows on the credit report through Transunion and XXXX that the balance through both companies was paid to collection with a {$0.00} balance, yet they are still on my credit report affecting my credit score. Due to the fact that both have given specific dates that this was reported and paid in full I believe they should both come off of my credit report helping to restore my credit score.

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