vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: FL

Complaint narrative:
XXXX I opened a account and put a cruise on the account but I never got my credit card in the mail. I found out it went to the wrong address it went to a XXXX XXXX does not even have my right phone number or my right email these charges are not mine.

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 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have been trying to improve my credit score for 9 months now and I have disputed several things on each report that were incorrect. I notice that after they are removed that some of them are put back on ... this makes no sense!!! I also have paid and am paying on some of these accounts that they are showing and the credit bureaus do n't have the information accurate. What do I have to do to get my credit reports accurate? Please help!!!

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 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a identify theft victim and all my credit reports have a identify theft alert on them. My credit file also had an opt-out for promotional inquiries. This is evident from 2 of my other credit reports XXXX & XXXX. 

I recently requested for my credit report from all 3 agencies. I received my TransUnion report added XX/XX/2017 and was alarmed that they they opted me in for promotional inquiries without my consent. 

Yesterday XX/XX/2017, I called TransUnion to opt-out of promotional inquiries because i had opted-out earlier when implementing my fraud alert and was surprised by this violation. Over the 2 years I have been harassed by credit ( e.g., XXXX ) and other insurance offers but I had no idea why. 

When I called, they redirected my calls from one dep. to the other, transferring me to their Fraud Alert Dept. XXXX, assigning new File # XXXX, escalating to supervisors and giving me a run around just so I may not be able to opt-out of promotional inquiries. Instead of identifying me accurately and making an update they harassed me so that they can make money by selling my data against my will. 

As a result of their violation, them have sold my data and personal details, address info which makes me a target of credit offers and identify theft. Promotional inquiring companies may have created 3-party databases and selling my data on the free market without my consent. This is major risk to my credit file and data contained therein. 

The request was simple -- I needed to opt-out of Promotional Inquiries. But they went through extraordinary measures to prevent a fraudulent update of just of my opt-out request. I was n't impersonating anyone or asking for new credit. TransUnion was very opposed to my update and fought me and harassed me so that they can continue to sell my credit data. 

Their motive was simple. They make money on promotional inquiries even though these soft requests do not affect my credit score. But that is no reason to violate my privacy and my credit file without my consent. 

I left a message yesterday and they did not call back. Only around XXXX on XXXX XXXX did I get a call and a voicemail. Once again asking me to call them back.

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 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My wallet was stolen in XX/XX/2005. My I.D . and social security card were in it. Since then collection bills, installment loans, and credit inquiries are now showing up on my credit report and I have to dispute them directly with the credit bureaus. I have had no success in having these items removed from my report so far. I am requesting that a further investigation into these claims against me be looked into by the consumer financial protection bureau. To protect my rights as a borrower, and to exercise my rights into the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 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 recently pulled my credit report from Transunion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Transunion and the results of the investigation came back as " verified ''. I did not have an account with XXXX during this time period. XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my 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 2016-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
TransUnion reporting agency is not updating my XXXX account. On XXXX XXXX 2016 i contacted XXXX XXXX XXXX department and they sent out a letter to all XXXX consumer reporting agencies instructing them to update my information. However when I contact Transunion on XXXX XXXX they said that it was not possible to update my information even though a letter had been sent from XXXX to do so. They refuse to update my account information to this day. Please see attached documents.

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 2016-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit score dropped by XXXX points with no explanation with TransU. I have paid my bills on time to all parties. Therefore, it is unfair to deduct from my credit score XXXX points without explanation of why this was done. This leaves me in the blind as to why these points were taken and how to get them put back on my credit report. My score should remain at XXXX or disclosure must be made so that I can seek a remedy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC
State: FL

Complaint narrative:
I want to report to you that this company preys on homeowners by making false promises through their deceptive advertisement that they had sent to me. I thought I was a plaintiff for a lawsuit to be filed against my bank and the mail ad said my new interest rate will be 2 %. I called in to find out more information about this so when I spoke to them back in XXXX XXXX, XXXX I had told them specifically that I already applied for a loan modification and still waiting for an answer. Core advisory group told me that they are not a loan modification company and that they can help me get a better result by filing complaints against my bank. I asked them what will happen afterwards and they told me that getting the complaints open will automatically force my bank to give me a better loan modification term and I will be a better position if I have professional help so they can go after the bank to eliminate all the late fees and penalties and also reduce my principle balance. This sounded good at first, so I agreed to sign their paperwork and paid them {$3500.00} upfront plus {$120.00} for their notary service. On XXXX XXXX, XXXX my bank finally responded to my original application for a loan modification and I was approved. Core did nothing for me but draft complaints to be filed with CFPB. This is a pure scam and tricky way for them to lure people in, thinking they can do this and do that but really just take your money. I filed a complaint to them to return my money and out of {$3600.00} dollars I paid them they were only willing to give me back {$1700.00}. I believe I am entitled to the rest my money paid to them {$1800.00} based on FTC XXXX rule makes it illegal for any company that provides mortgage assistance to charge me fees in advance and that is what they did. I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Last year I have been getting calls from banks unpaid accounts never did business with themI had credit cards with one bank I found that they have been used by someone not meI have been sending letters to Truns Union asking to delet the accounts all they gave methe run around sent them 3 letters in 4 mouths run around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is required to have the docs associated with the accounts in their files PRIOR to even reporting them pursuant to section 609 and those docs are to be made available to me. I requested those docs last month and only received " results '' stating that XXXX these accounts are verified and accurate. 

If you see XXXX V TRANSUNION 1997, you will see that Congress states that once I notify the bureaus that I believe their information to be inaccurate, they must not only reinvestigate but must also go beyond the original source of information. They did not even conduct an investigation, as I contacted each company and was told that they were not even reached for verification and that the information in my credit report is IN FACT INCORRECT. So where are they getting their information from? 

I 'm including my current dispute letter as well as the XXXX previous dispute letters which clearly state my disputes. I have also forwarded these letters to my attorney.

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 2016-08-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: MIDCOUNTRY FINANCIAL CORP
State: MO

Complaint narrative:
Heights Financial calls 3-5 x 's a day and leave messages 3x 's a day as well. It is harassment to leave 3 messages a day literally minutes apart. XXXX/XXXX/16 Heights Financial called me at XXXX, XXXX, and XXXX ... each time a message was left. That is 3 messages in 30minutes!! That is excessive!! I have phone records and voicemails to prove this has happened multiple times.

Company response to consumer: Closed
Consumer complaint received 2015-05-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A few months ago ( for the first time ) a tax lien appeared on my credit report from 2012. I immediately disputed it - only to have Transunion update it as " paid. '' I do not dispute that there is a case and docket showing where a lien was filed and then paid. I dispute that the filing ever should have happened. The tax assessors office admittedly did not mail the notice to the correct address - prior to filing the lien. It is my position that because this was the tax assessor 's office error and not mine - it should not be on my credit report. Moreover, Transunion has an obligation to ensure that the information they are reporting is valid. I have requested the investigation notes, persons interviewed and have not received that information yet.I only get general language about how investigations are conducted in general. Transunion has failed to verify this information and are only reviewing that it was filed. I have also reported this to the XXXX ( Case XXXX ) and with CFPB ( XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 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:
I disputed this a couple of items back in XXXX and transunion said they will not report XXXX on my credit report. They did not do what they said they would do. 
My cash number with you all is 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 2015-09-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
All XXXX credit bureas are reporting XXXX bankruptcies on my credit report. I never went through with these bankruptcies. They were both dismissed and I do not think it is fair that they are reported on my credit report. I attempted disputing the information several times but the bureas say, nothing has changed from my earlier dispute. I really would like these XXXX items removed from my credit report because they are items that never commenced to any legal proceedings or collection of debt. Please help me have them removed. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On or about XXXX/XXXX/2016 I applied for a rental property through XXXX XXXX XXXX. They use this company e-renter to compile background and credit information. I was advised by XXXX at XXXX XXXX that this company provided a credit score of XXXX back to her when the required score is XXXX. I have paid XXXX monitoring and KNOW my XXXX score is/was greater than XXXX at the time of inquiry. I contacted XXXX initially on XXXX to inquire as to how the came up with the score they provided. I was told it was gained from Transunion. I contacted Transunion who in turn told me they did NOT provide a XXXX credit score to this company. I contacted e-renter again who advised me to submit an inquiry through their email support XXXX XXXXXXXXXXXX ) which I did. I have followed up on XXXX/XXXX/16 and XXXX/XXXX/16 and have yet to receive a resolution to this issue. I am just being told " it is with Transunion and as soon as they respond they will let me know ... ''. This is NOT an acceptable response. It does NOT take a month to resolve this type of issue especially considering my ability to secure housing has been affected by this company 's error. I guess they believe it is ok to play with people 's livelihood. Well it most certainly is not! I have documentation of every correspondence between myself and this company if needed. I have since filed XXXX complaint # XXXX and received the following response : e certainly understand the concerns of timeliness. We did, however, reply to you that we believe this is an error on the part of TransUnion and encouraged you to open a dispute directly with TransUnion. The score we received from TransUnion was XXXX at the time the report was pulled. TransUnion was unable to confirm for us, after lengthy back and forth, that the score was NOT XXXX - they confirmed what they sent us was accurate. If they told you that it was different, the only way to resolve this is for you, as the consumer, to dispute this information directly with TransUnion. We do not modify what TransUnion sends us in any way. 
I have documented proof and submitted this documentation that my score at the time the info was pulled was greater than XXXX. These people ca n't just play XXXX with your livelihood then shift the blame back and forth amongst each other.

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 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The XXXX XXXX XXXX was included in the bankruptcy which was discharged XXXX XXXX, 2015 case # XXXX. The loan should be removed immediately. This bad credit reporting has resulted in dropping my score XXXX points and is ruining my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion The way the system is set up, it discriminates ( see attached XXXX pages ) against people who pay their bills on time. In my case, not only are they discriminating against me, the Credit reporting agencies have wiped my credit history out and have dropped my credit score down to XXXX from XXXX. It 's as if I have never had credit. I 'm being treated as if I have BAD credit. Auto/home insurance rates have gone up. If I borrow money, my interest rate has gone up 1.5 %. I 've been denied credit cards and my checks are being denied by a company called XXXX, due to my credit score. XXXX will not authorize my checks. As of today ( XX/XX/2016 ), my score is XXXX/XXXX. 
I want my credit score to reflect my outstanding payment and credit history over the years. Not just the past three months. 

QUESTION : How is this system fair? As stated above, the credit reporting agencies are set up to discriminate against individuals that pay their bills on time or early. If you read their own definition/explanation, the credit reporting agencies want to force you into debt in order to obtain a higher 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
Consumer complaint received 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My goodness I have been through it with getting information on my Credit Report changed. XXXX, TRansunion and XXXX have over XXXX variation of my name which is XXXX XXXX and they have just as many address 's. I have dealt with identity theft on two occassion 's. And still I can not get any of them to remove the incorrect information. They even have another social security number listed that is n't even mine and they refuse to remove it. Please help me because I believe that they are n't actually investigating when I request it I believe that they are just going by what the Reporting company is telling them and leaving it at that. I have sent a copy of my Drivers License, My Utility and my social Security card and to no avail they refuse to remove it. What else is there left to do. You supply them with all valid information to support your claim and they just look over it.

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