vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted numerous disputes to verify the accuracy and legality of the public records listed on my credit report. As of today, I have not received the proper verification required by the Fair Credit Reporting Act in verifying all the information that is being reported. Also, I even contacted the courts that are reporting this information and they told me they do not report information to the credit bureaus so they are obviously using some kind of third party that is illegal and no real investigation is being done. 

XXXX XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX Bankruptcy Court NY XXXX XXXX This bankruptcy needs to be verified directly with the court, if you are not able to do so, then delete it from my credit report. 

XXXX Bankruptcy XXXX NY XXXX XXXX You should already know that this account must be 100 % accurate and verifiable. I ask you to verify this bankruptcy under the Fair Credit Reporting Act and delete it from my credit report because you will see it is reporting incorrectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 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: TX

Complaint narrative:
Opening XXXX and Trans Union, I had several credit based questions. 
Mainly about a mortgage I Oobtained from a bank that ( I am obviously answering this question incorrectly. In addition to a phone number ... 
I appreciate the security, but I am amazed, that I am unable to obtain my information, about myself..and possible errors created fictiously. 
There is an apparent glitch in this program when it is not programmed to adjust questions accordingly.. I would appreciate any help to freeze my accounts due to the refusal of allowing ME access to MY accounts.. I would like to obtain XXXX credit reports for free Also. I noticed that a credit report advertised, is XXXX. I thought they were free.. 
Please & elp me out here, I appreciate your helpfulness.

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 2015-09-05 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 mailed a letter asking TransUnion to add a credit account on my credit report. The creditor did not report the account to the Credit Agencies. They told me to write a letter to them giving them the name of the creditor, account information. This way my credit history builds up. Trying to rebuild my credit and the information was missing. I paid off the account in full and would like to get credit for that. The letter was sent certified, I got a letter back stating that the information I was disputing was not on my credit report. The letter states it is not a dispute rather correction since it does not show on my credit report. The creditor told me to contact all of the XXXX credit agencies. TransUnion does not give you the opportunity to add accounts that are missing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The addresses is reporting incorrectly on my report.I have no knowledge of any of the addresses other than my current residence.89 XXXX XXXX XXXX ct XXXX this has been my address for 10 years.

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 2016-04-15 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: TN

Complaint narrative:
Still have items pending I have requested changed or removed. I have requested several times an updated/corrected copy of my credit report mailed to me and still have not received 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 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I XXXX XXXX XXXX have information belonging to a XXXX XXXX XXXX on my credit report. I would like this removed. I get calls all the time for this lady. Our Social Security numbers do n't match. 
No match of our DOB. I would like the credit bureau service to know this is hurting my good credit. Just because workers are so fast not to pay attention to correct information. Please remove XXXX XXXX XXXX information of my credit report. Obvious this lady has bad credit and its needs to be on her credit report. Now I got people calling giving me a hard time. I was XXXX XXXX XXXX off 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 non-monetary relief
Consumer complaint received 2015-11-29 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:
On XXXX XXXX, 2015, I sent a letter to Transunion along with a copy of my social security card advising them of information that is being reported on my credit file that is not mine. They have my credit file listed under XXXX XXXX and I sent them my social security card advising them that my name is XXXX XXXX XXXX spelled with an ( XXXX ) not and ( XXXX ). I also advised them of creditors that are reporting information to them for a XXXX XXXX which is not me. They have failed to correct their records and in accordance with the Debt Collections Act section 1629e ( 8 ), which clearly states that any information known to be false, can not be reported to any bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am being charged for a money order from the XXXX that I did not cash. This money order was returned to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 2016 and she is in possession of this Money. I have proof it was given to the XXXX office but yet I have been charged fees in addition to the amount of the money order. I am asking for this to be removed from my credit reports. Amount is XXXX plus fees XXXX total XXXX, I do not owe.

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 2015-11-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: MIDCOUNTRY FINANCIAL CORP
State: CO

Complaint narrative:
There is an account with Pioneer/XXXX XXXX XXXX reporting on my credit file that is NOT MINE! I have submitted an ID theft Affidavit and demand letters to the bank directly and have not gotten a response. I am not getting the credit I deserve due to this error on my credit file. I need this account deleted immediately!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion deleted The XXXX of my credit report in XX/XX/2016. then put it back on my report under a new name XXXX. I would like this delete once and for all this is not my account under know name.

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 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed the Federal Tax lien on my credit report with all XXXX reporting agencies and only XXXX has removed it permanently. I contacted TransUnion last XXXX 2016 and furnished proof of Release of the tax lien and they did not remove it from my 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 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have contacted XXXX multiple times to address this credit reporting error of a car loan I had with them. I had originally purchased the vehicle through a dealership called XXXX XXXX of XXXX who financed it through XXXX. The financing through XXXX should have been through my company XXXX XXXX XXXX XXXX XXXX XXXX, but instead the finance manager inadvertently put down the Federal ID number belonging to XXXX XXXX XXXX which was a company I had sold previously to buying and financing the vehicle. The new owners of XXXX XXXX had filed BK and it automatically showed up on this vehicle as being in a BK status. I spent countless hours to clear this up and you guys accepted all the payments in full for the vehicle but still continue to report a charged off vehicle on my credit report instead of always having on time payments. The only time I did not have on time payments, was when you guys would not accept payments because it was in BK status. I have contacted the credit bureaus to clear this up with you guys. I have contacted you guys personally. And I have contacted you guys through the CFPB with no response. I have attached the letter from the dealership admitting the mistake, and you guys still continue to report this incorrectly on my credit report. 

I am demanding a response and removal of this negative trade line on my credit report. It should state paid in full and on time, with no late payments. If this is not fixed in a timely manner, I have no other option but to pursue financial distress for all the damages you have caused. This credit issue has prevented me from financing new business loans and home ownership, costing me hundreds of thousands of dollars in earned income and interest. My interest rates are all high because of this negligent mistake. Please respond as soon as possible to prevent further legal action.

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 2015-10-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX on or about XX/XX/XXXX on XXXX and TRANSUNION. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX erroneously reports the payment made in the last month reported on the credit hx was late. We traded this vehicle in on another in XXXX 2012 & payment was current. The car dealer sent the payoff for this vehicle LATE to XXXX XXXX XXXX. XXXX XXXX check records for date of vehicle trade, refinance of new vehicle versus date the dealer sent the payoff in, & confirm payment was late as a result of the dealership handling & not the customer. Our payments were on time. I received late notices from XXXX XXXX & contacted them at least 2 times as well as XXXX of XXXX requesting they get this taken care of because I do not like being accused of being late when I am not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 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 several errors and duplicates on my report, TransUnion has failed to provide me a response to my disputes. They have accounts on my report from dates that are not valid or I was not living in the state of Arizona at the time so they do not belong to me. They have duplicates, they fail to investigate correctly. They only allow one dispute at a time on-line, I sent them a letter and still no resolve.

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 2015-10-26 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 asked TransUnion for validation of XXXX items on XXXX/XXXX/2015 : XXXX XXXX XXXX account # XXXX & XXXX account # XXXXThey could not provide verification of the validity of these debts. XXXX XXXX XXXX was equally unable to provide proof of my owning this debt. I followed up with XXXX asking for removal of the incorrect tradelines. I provided copies of all correspondence and proof of receipts. Other credit reporting agencies have removed the offending items and I would like XXXX to follow suite .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XXXX XXXX, I sent Trans Union a letter requesting that they correct errors on my credit report. Over thirty days have passed, and I have yet to receive a response of any kind.

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 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I lived in California. I had never paid CA state taxes, and in fact, every year I received a refund. When I married a XXXX XXXX man, the military moved us across country in XX/XX/XXXX ; he deployed shortly thereafter. I had no idea that CA was in the process of incorrectly processing a tax return for me. Truthfully, I felt almost benevolent in that I had not yet bothered to apply for the monies I knew California would owe me. 

They assessed that I owed them {$1100.00}. Not only was their calculation incorrect, but they actually owed me {$350.00}. 

When we applied for a loan, I saw the lien on my account and immediately filed my XX/XX/XXXX taxes, requesting my refund and that the lien be removed from my credit report. The CA FTB can not remove it from my credit report, because they do not report to the credit bureaus, rather it is made public knowledge, and the bureaus access the public knowledge. I did get a letter from the FTB that stated the tax return I submitted on XXXX/XXXX/XXXX, 10 days after the lien was filed, showed a balance due of XXXX. 

It is frustrating to see that the lien shows " paid '' on my Transunion credit report, as I never paid a single dime to have it removed, because I owed them absolutely XXXX, and they owed me {$350.00}. 

XXXX shows no status at all, not paid or released, just ... nothing. 

I do not know what XXXX shows, but it likely is n't much better. 

This is an unfortunate error that is causing serious detrimental effects to my credit. I was never a tax dodging citizen as this blemish accuses, rather someone who was overwhelmed by the new responsibilities of being a XXXX wife, and thinking I had nothing to worry about, as I knew, rightfully so, that I owed no money. 

If there is anything at all that can be done to assist me in this matter, I am immensely grateful for your support and action. 
Sincerely, ( you wanted no personal identifiers, so I will say XXXX Wife )

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: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX, someone other than me applied for an unsecured credit card from XXXX and was denied. 
I received the denial notice around XX/XX/XXXX and immediately called XXXX and was connected with their Fraud Department. XXXX at XXXX informed me that they would file an Initial Fraud Alert with the XXXX Credit Reporting Agencies. She was a big help and informed me of the steps that needed to be taken to investigate other possible Identity theft and Credit misuse. She also informed me that due to the fraudulent application using my personal information and the fraud alert placed on my Credit Reports that I was entitled to a free copy of my Credit Files from XXXX, TransUnion and XXXX. 
The process in getting those reports is less than stellar and I can not get any automated telephone process to go through nor can I get my file via ANY of their websites! They all want me to pay XXXX or XXXX dollars or can not verify the information that I present during the Identity Verification steps at their site. 
MY COMPLAINT : None of the Credit Reporting Agencies have telephone numbers that will connect you with a live agent! All of the Numbers are for the automated report ordering system and they have all asked for credit cards and wanted to bill me with no option to speak with a live agent. 
My fear is that whoever applied for that card has intercepted the process and without a live agent to speak with, I can not confirm this. 
Also, one of the reporting agencies asked questions about auto-loans I supposedly took out XX/XX/XXXX, asking which of XXXX possible Creditors and XXXX possible monthly payment amounts AND an Installment Account, again with XXXX choices of Creditors and XXXX possible payment amounts! This has me very afraid as I have not taken neither an auto loan or an installment/Finance account since XX/XX/XXXX! 
I need to resolve this and speak to a REAL PERSON! 
I am trying to rebuild my credit and it seems to me that the reporting agencies just do not care. I am totally frustrated as this is just bad customer service in an industry that is supposedly providing services that include sensitive information that dictates the consumer 's quality of life in this age of instant credit! 
XXXX, TRANSUNION and XXXX : Your processes are not user friendly nor are they customer focused and you do not have anything that resembles Customer Service for the consumer 's affected by all the Credit Fraud and Identity Theft that is running rampant in today 's financial industry. XXXX 
Sincerely, XXXX XXXX XXXX XXXX XXXX, TX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01 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 put in a dispute with TransUnion on XXXX/XXXX/2016 for a collection on my credit report that is not mine. I called around to XXXX different hospitals and also XXXX and no one could give me a direct answer for what this charge was for. I then had them resubmit the dispute for the same reason. When I called over a year ago ( the first time ) for this dispute I was told it was for a XXXX, I have never had one of those and told them that last time. I am getting nowhere with this and it is not fair that it is hurting my credit score.

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