vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Around XX/XX/XXXX i checked my credit report and all my inquires was deleted when i check my report today they all back and my score went 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 non-monetary relief
Consumer complaint received 2016-03-25 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:
I submitted a dispute with all XXXX credit bureaus ( Transunion/XXXX/XXXX ) informing all parties such as the Credit Bureaus and the creditor that these accounts does not belong to me due to been a victim of identify theft during XXXX data benches. After notifying the credit bureau via online disputes/phone calls/letter notification I continuously receive notification stating " verify ''. I requested supporting documents from both parties requesting signature, contract, state license information and etc. Under the Fair Reporting Act I understand my rights as a consumer and verify the matching of my name and social does not coincide with verification. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate with accurate documentation be provided. I have submitted a claim with Federal Trade Commission regards to this issue. It is my right If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

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 2017-02-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This additional information/dispute is related to CFPB Case number : XXXX : While transunion lowered the balance on the collection account, they did not remove the account from my credit report completely, which is what they should have done. I was a patient at XXXX XXXX in XX/XX/2016. They filed a claim with my insurance agency and sent me a final bill of over {$2000.00} ( see attached ). My insurance company sent me an explanation of benefits statement showing that I only owed {$310.00} ( see attached ) to the provider, not {$2000.00}. I repeatedly contacted the company told them to send me an updated statement ; they never did. So, on my own, I started paying only the {$310.00} balance in XX/XX/2016. I sent my payments to the address on the statement. Every payment came back undeliverable due to a bad address ( see attached XXXX online bill-pay messages ). Meanwhile, the company still refused to send me an updated bill showing that I only owe {$310.00}, and not the {$2000.00} they tried to swindle out of me. In XX/XX/2016, I was contacted by XXXX regarding this account. I was shocked and I told XXXX the entire story about how the company had never sent me a correct statement, and how I still tried to pay them the {$310.00} which I knew I owed, but the payments were returned undeliverable. I told XXXX I had all of the documentation. They told me that I 'd need to talk with a supervisor and that someone would call me ; no one ever called. I finally called them and stated that I was going to call XXXX XXXX again to get this resolved. They informed me that as long as I pay the account by XX/XX/2016, it would not impact my credit. I was furious at even the suggestion that this would impact my credit. This is a travesty and because of the bogus account hitting my credit report, I 've been unable to purchase my first home.

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 2016-11-09 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 am contacting your agency because I have sent Transunion letters of dispute informing them that the tax liens showing on my credit file do not belong to me. I have contacted the IRS and other government agencies that stated that they do not have any liens under my name or Social Security Number. I need your help in getting these Tax Liens removed from my credit file. These Tax Lien is showing that they have been reporting as early at XXXX, XXXX, XXXX, and XXXX. Please help me in getting Transunion to remove these liens from my credit 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 2016-12-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am filing this complaint against Transunion because they are not removing unauthorized inquires that do not have a permissible purpose. 

I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : These creditors did not have permissible purpose to pull my credit. I did not engage them nor did they extend any lines of credit to me. 
Under U.S.C 1681n if the following inquiries are not removed from my reports since there was no permissible purpose I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 
You have violated the FCRA Section 1681b ( c ) Since you have listed this inquiry against me I am requesting that you either mail me a copy of my signed authorization form that gave the creditor the right to view my credit within ( 5 ) business days so that I can verify its validity. A request has also been sent to the creditor and they have not responded. 
Your failure to comply with my request within five ( 5 ) business days will be my evidence to use in Federal Court of your willful noncompliance [ 15 U.S.C 1681n ] and I will be seeking all damages listed above. 

the following inquiries do not meet FCRA guidelines and need to be removed immediately. 

1. XXXX. I do not have a car loan with them and never applied. My loan is financed through my bank. 
2. XXXX Never heard of them and I do not have any credit with them. 
3. XXXX. Never heard of them and do not have credit with them. 
4. XXXX. I do not know who these guys are and I do not have credit with them. 
5. XXXX. I have no idea who they are and I do not have any lines of credit with them. 

These are unauthorized inquiries and I asking for the 4th time that these be deleted from my credit report. Failure do so will result in my filing a complaint with the FTC.

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 — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a XXXX bank charge that is not mine 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 2016-08-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted the following agencies regarding inquires especially for a purchase of cars by phone. It states to contact the companies who are inqiring. The company 's are stating to go through the credit bureaus. There should be no inquiries on my credit report from the following companies 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. Most of the information is regarding a vehicle so my information must be viral online since I have n't been shopping for a car. When I called the company based on what the credit report states to follow up with companies on discrepancies. I received a very negative feedback as if I am not entitled to request it be removed. I want them to be removed based on me not requesting to have a credit check for a vehicle. Please assist me in the matter it looks like Trans union is allowing it but, I reported a fraud alert and to contact me on any inquiries to make sure that it is me. I just want them removed especially when I never gave permission there just using my information in there companies and I do not vehicle shopping. 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 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a judgement on my Trans union and XXXX accounts and I 've stayed with my parents since XX/XX/2008.

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 2016-07-26 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:
These accounts should not be on my credit report. 

Credit Inquiries XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX OF XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX # Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry 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 2015-08-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX 2010 I co sign for my son s car payments have been made till toda y XXXX more payments are due to paid off the loan today I received a notice that my credit score has drop by XXXX? points the loan is up today allied fin I think is out of control or the people they employee. Thanks XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
disputing transunion score reporting on one blemish that has taken my score down so low.

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 2017-02-28 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:
I was a victim of Trans union in XX/XX/XXXX i look on my credit 20 inquiries was removed from my credit report but the same day they reinserted back again and never properly informed in writen in 5 days also in XX/XX/2017 11 account was removed but on XX/XX/2017 was reinserted back in my credit report and they didnt informed me i call trans union and talk to costumer service and informed about the problem but they only told me that nothing and try to talk another think that i didnt ask they dont help full i send then a dispute letter certified on XX/XX/2017 for dispute inacured accounts they are in violation of the Fair credit reporting act section 611 they never send me any letter to let me know about this in attach you see when was removed and when was reinserted also the certified letter

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 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I had a number of identify theft issues in a 3 month span. Someone tried to file a tax return in my name, I received a credit card in the mail I did n't order and I received a letter saying my information may have been compromised. I was advised by the IRS to contact the XXXX credit reporting agencies and put alerts and holds on my accounts. I unwilling signed up for services with Transunion and was charged a monthly fee. The whole process was confusing and at no time was it apparent that I was signing up for paid services. I cancelled the subscription and was compt XXXX fee, but not all. To date the only money that I 've lost due to " identity theft '' has been to TransUnion for their dubious business practices and misleading information. 

Dealing with identity theft is confusing. TransUnion preys on that confusion to make money. I 'm sure their business practices are technically legal, but it 's an unethical and horrible model. I think that if people are being steered towards them for help they should not be able to set traps.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As I am reviewing my credit report I see some items that are not mine. I 've never lived in XXXX and notice some credit information which I have created a police report in XXXX around XX/XX/2005. I also see some items involving XXXX and XXXX which are not mine as well. I will.like this matter investigated and cleared from my credit report. 
My contact is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have disputed with transunion about accounts that did not belong to me and asked for an investigation. The investigation took over 30 days to complete and the results were the same which suggests that the investigation was incomplete.

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 2016-11-19 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 that do not belong to me 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 2015-04-09 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: NV

Complaint narrative:
In XXXX XX/XX/2015 I requested my annual free credit reports, sent in a copy of my driver 's license and social security card but have only received a copy of my credit report from XXXX last week. I sent several emails but have not received credit reports from Tranunion and XXXX. 
XXXX continues to add several addresses that are incorrect ( lived at the same address for the past 26 years ) to my report, account numbers and year acct open have been changed and information over nine years remain on my report. This is the same complaint I filed against all XXXX bureaus but still experiencing the same problems today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 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:
There was a breech to the system of Transunion. Some inquires were removed but put back on without notice or explanation

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 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Every time i ask t have my address changed I get a fraud alert. 

Please change my address and remove the Fraud alerts from my profile. 
Please review my credit score it is incorrect. 

Thanks 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 2016-03-25 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:
The refuse to take any action to remove the fraudulent account.

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 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I never lived on XXXX XXXX. My sisters name is on my credit report. XXXX XXXX is my little sister

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 2016-05-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need to know why my trans Union score keeps going down I have been faithfully paying on time I may have missed XXXX purchased furniture but my credit was up and i need an explanation

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 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have written Transunion several times via U.S certified mail and called. They have not corrected the incorrect information on my credit report. I am a victim of fraud ; I have advised Transunion of that, they did place a fraud alert on my credit report but failed to investigate the claims I submitted to them about unauthorized inquires. I have XXXX credit do and to contact Transunion. Transunion reported the inquiries and have no proof that I authorized my credit to be ran and the companies that Transunion is reporting are saying they have no record of me in their system or applying for any credit. They refuse to delete inquiries that have been placed on my credit report by Transunion, even some that have been ran serval times in the same day by the same company. Transunion advised me to contact the companies. I have contacted each company and they all say, I have no account with them so there is no record of me in the system so there is nothing they can these inquires that are harming my credit.

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 2016-11-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Transunion is failing to provide me the information provided to them saying it is valid i am Requestion the Transunion provides me with the proof of these ACCOUNTS that they says is verified within the day that they have i want the copy 's from transunion telling that this account is mine if they can they by the law they have to get rid of the account.

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