vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was sent a bill from a collection agency on behalf of XXXX XXXX. They claim I opened an account on XXXX/XXXX/14 in my name.I did no such thing. I am the owner and landlord of the building and the unit in question was vacant. One tenant had moved out and I was waiting for another to move in. They claim I closed the account on XXXX/XXXX/14 and again I did no such thing. Some time thereafter a bill was issued in my name and eventually sent to a collection agency. If I had done any of the above i would certainly have them mail a statement to my primary address. I paid the bill after the company shut the gas off and I became aware of the problem. I do n't know who or how XXXX XXXX received my name and issued me the bill. It should have been transferred from one tenant to the next or at the least sent to my primary address to make me aware. I have an account at my primary address for over 20 years and have never been late on a payment with them. As it is my building and the unit was vacant I felt compelled to pay the bill so the next tenant could start their gas service. Transunion was notified twice about this and basically did nothing to remedy the situation. Repeated attempts calling XXXX XXXX also got me nowhere as they said it was out of there hands. Hopefully someone on your end can get XXXX XXXX to rectify their mistake and correct this transgression.

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 2016-08-07 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 fraud dispute on XXXX/XXXX/2016. XXXX actually deleted the account from my credit report but Transunion failed to conduct a proper investigation and the account still remains on my credit report. It only took Transunion two days to complete my dispute request and states changes were made to my report but the account is still there without any changes.

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 2015-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have been informed by XXXX XXXX XXXX that TransUnion has different incorect info for my address. I wrote TransUnion a letter stating my correct address where we have lived for the last nine years ( letter attached ). They sent a letter back stating I could gp online and make corrections. When I went to transunion.com and tried to register it would not accept my correct address. My address is XXXX XXXX XXXX XXXX XXXX and apparently their system can not handle a XXXX. It 's asking me to enter a ". '' or a " # '' which is not my address. I attached a current water bill and as you can see they have my address correct. The problem with the address they have on file for me, which I 'm sure is XXXX, is a problem with their software and not my problem. There is nothing I can do to correct their system. Please help me get this corrected as I have already wasted enough time on this issue. 

Thank YouXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO. 
XXXX HomeXXXX Cell

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20 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: UT

Complaint narrative:
Dear CFPB Staff, I initially contacted Transunion Credit Reporting Agency back on XX/XX/2017 requesting a copy of my free annual credit report and to update my address since I had retired and moved. 
They sent me a letter back saying I needed to send them proof and to mail them my Identity papers along with a copy of my Utility bill to show my current address. This I have done, but I have still have not heard back from them. It 's been over 60 days. 
Would you please help? 
I want to thank you in advance for your help and look forward to hearing from you shortly. Please let me know if there is anything else you may need. 
Sincerely, 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 2015-09-09 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 have numerous errors showing on my credit report. After reviewing it I sent Transunion a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that Transunion has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 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 account. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this medical account is an open account. Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this 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 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX bank account # XXXX this account is a old account and should be removed it was closed by the grantor i would like it removed i tryed to contact transunion on the matter and got no where please remove this from my transunion report 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 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I 'm making a complaint against TransUnion for their negligence in not removing the inaccurate reporting of these public records. I provided the proof that these are not reporting correctly and/or that they were fraudulently filed. 
Public Records US DIST CT XXXX- you have the filing date on this bankruptcy listed incorrectly and I notified you of this 6 times now and you have not done anything and are now in violation of the FCRA XXXX In addition to this, I did not give authorization for any party to report this on my credit file in the first place, which is a violation of FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) - see below - and therefore ; it must be removed. 

XXXX -this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

XXXX - this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;

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 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent XXXX letters to Trans Union and XXXX to have hard inquiries removed that was not initiated by me. I have asked for signed verification that I initiated and it has not been proven. Inquires that are not initiated by myself to 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 2017-01-30 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 writing to you again because my attempt to communicate with TransUnion resulted in the message " Session Expired '' while I was still completing their form. 
As previously noted in your case number XXXX, I wrote that a fair resolution to this issue would be for the company TO EXPLAIN IN SPECIFIC DETAIL OF HOW MY FICO SCORE DROPPED FROM XXXX to XXXX IN TWO MONTHS. 
I have carefully reviewed the company 's response to me, and I can not find an answer to my question. 
I trust you will agree I need to know exactly what happened during that XX/XX/XXXX-XX/XX/XXXX period to avoid future dramatic decreases in my FICO score. 

Thank you for your help in this matter. 

XXXX XXXX XXXX, FL.

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 2016-07-06 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:
In the month of XXXX I noticed that all my inquiris were deleted and I looked again today and they are back on my report..which caused my credit score to decrease..

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 2016-05-10 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Bison Recovery Group, Inc.
State: NJ

Complaint narrative:
On multiple occasions Bison collections sent threatening calls to me regarding service date XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX i received a call from this company with XXXX agents on the line requesting for payment. I advised that I am unaware of these service dates. The agents continued to bully me on the line. They referenced that they can see my credit score, mortgage payments, and paid off student loans for my children. I continued to state that i am unaware of the service dates and would like a verification of validation. Another agent then told me that " I could be sitting on a lottery ticket and when can you begin to make payment. '' I was shocked and very bothered by this and was n't able to get a word in edge wise. I advised them of my XXXX XXXX and my XXXX started to affect me during the call. Another agent contacted me within hours and again requested for payment. I asked again for a verification of validation letter and he stated he could request but there was no guarantee and again insisted i make payment or they would sent the claim to their lawyer. I then asked if the agency could contact my insurance company at the time of service on conference call. The insurance agency stated they did not have a service date for my self or anyone in my family got the dates of service provided. ( This was a conference call with Bison Collections, XXXX ( insurance ), my daughter ( witness ) and myself. I then asked the representative at Bison to contact the doctor of which they stated the service was sent to collections and at first the Bison representative refused and stated it would be a conflict of interest. The agent then agreed to call the medical provider via conference call. The medical provider stated they would have to go through their archives but they did not see anything for the date of service XXXX/XXXX/XXXX nor XXXX/XXXX/XXXX, but would research. ( these calls were made on XXXX/XXXX/XXXX ) This call lasted about 4/5 hours. This collection agency is requesting round {$2800.00} for XXXX service date of which the medical provider nor the insurance company can seem to find. Bison Collections have yet to send any statements as well. I even request for certified mail to serve as proof of receipt. I am not aware of this bill and have yet to receive any statement nor verification of validation letters. As last week i continue to receive calls from this company requesting payment and i continue to request for statements. Today I tried calling the collection CO, and the representative refused to tell me who he was, or where they were located, until i provided my name and SSN, I then hung up.

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 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been filing disputes for YEARS with all XXXX of the credit bureaus and they continue to not listen to me, and not supply me with the information I have been requesting. I am now almost XXXX and I have spent years attempting to repair this damage but I 'm a XXXX mother working XXXX full time jobs to pay for the roof over my head!! I ca n't afford to pay for someone elses bills also!! There are all different accounts listed on all of my credit reports with names spelled similar to mine, yet NOT MINE! They do n't belong to me and they are n't mine! Some of them are addresses that I have never lived at! I put a fraud alert on my credit report to prevent anyone from opening any more accounts, but going through the socials and the XXXX and the names -- -- they do not even match mine!!! Ive been begging the credit bureaus to remove them as I ca n't even apply for a mortgage because of all of this garbage on my report. Please help me. I 'm doing the best I can but I am only one person. I 'm not one of those free riders that live off of the government. I do everything on my own without even a drop in child support. I need to have this corrected and quickly! There are also about XXXX hits on my credit for credit that I never even applied for! There is also XXXX XXXX accounts that are clearly not mine as I have XXXX NOW!!! How could I possibly owe them money on XXXX different accounts! The information does not even match my info! Please, please, remove all of this junk from my credit report. Please!

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 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Ive attempted to file an online dispute with Transunion several times, their site keeps showing a previous dispute which is already resolved/closed when I attempt a new one. It wo n't let me file an additional dispute about other items, account balances are incorrect. I pay a monthly membership for their site and should be able to file online disputes as part of paid membership

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with 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 matter as soon as possible. Thank You

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

Complaint narrative:
There continues to be inaccurate information being reported on my private and public record. 
The inaccurate information is : XXXX XXXX XXXX, they agreed to report my account as paid in full. also after paying my debt the company moved their office and did not contact me to inform me of the new location. It went 4 months, I did an investigation to find their new location and went to their office and ask them to honor their agreement. They agreed to do this but then they still have defaulted on the agreement to this date. 

My Next Issue : XXXX XXXX : They sent a XXXX to the IRS and I had to be reported as Income on my taxes. They never contacted me to tell me they did a XXXX on my taxes. 
This Debt needs to be removed or show a XXXX balance and paid in full. 

These companies have broken the Fair Credit Reporting Act & Consumer Act regulations 1996 to current laws and have caused my report to show inaccurate information and damage my credit worse. 

I have attached documents showing proof of my statements.

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 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 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 explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion continues to ignore all of my requests for investigation of wrong information on my report, Transunion has not notified me of any changes or investigation. 
I have received no emails nor letters from Transunion, addtioanlly I pay for the monthly service and see no alerts or notifications it has been over 30 days and have received no update original letter dated XXXX/XXXX/2016

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: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I went online to receive my " FREE credit score & {$1.00} credit report ''. I was also, unbeknownst to me, signed up for credit monitoring etc, at the rate of {$17.00}. I feel like this is a shady and fraudulent practice, because I was allegedly aware of the product I signed up for based on size XXXX font in a noticed designed to look like an advertisement on the bottom right of the screen, that was n't even part of my browser window without scrolling. I called the company to dispute the claim. It took me awhile to unsubscribe and they refused to refund my money since I had used the service ( I had to log in to find a phone number to call ) and had been made aware of the service on the XXXX screen of the process. Very shady and I want to say fraudulent practice, since I did not knowingly give them permission to charge me for the service, nor did they provide any paper work or notification that I had signed up for a trial-turned-paid service. It really XXXX that the company that is used to protect you against fraud is fraudulent itself. What I authorized for purchase was a {$1.00} for a " free '' credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Coastline Financial Resources, LLC
State: IL

Complaint narrative:
A company called XXXX at XXXX called my employer and relative stating that I had to call within an hour and referance # XXXX because I was being served a summons. I called the number and when They told me that I had an outstanding balance, I asked them to validate the debt, and they could not. They continue to call my employer AFTER I asked them not to. They do not contact me directly. They keep calling my employer and relatives.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation