vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX sent over an update thread to Transunion on XXXX/XXXX/15 advising to update the status on my credit file for the XXXX XXXX account to paid, closed with no late pays. Transunion has failed to update this information. In addition the Dept of Education also sent over information to Transunion to delete my account but Transunion has failed to act accordingly. The Dept. of Education sent this information to Transunion around XXXX XXXX, 2015 and Transunion has failed to update this information on my credit report. It seems as if Transunion is in the business of keeping credit scores low. It is unacceptable to receive information to update a credit file and it takes them over 30 days to do so. Please see attached thread from XXXX XXXX dated XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The credit bureaus are a joke and the XXXX needs to do something about them or ban credit scores if the XXXX refuses to regulate and ban them. I 've repeatedly reported how the credit bureaus and XXXX XXXX mortgage continue to report a short sale as a foreclosure on my credit report despite the fact that XXXX agreed to the short sale, the loan closed as a short sale, there was no XXXX and XXXX never took possession of my property. Now, I recently sold my home and paid off both my first and second mortgages in full and the credit bureaus are now NEGATIVELY reporting the PAID in FULL for the FULL balance as NEGATIVE Activity on my credit report. How can the sale of my home for a profit that yielded the payoff of my accounts be reported as NEGATIVE?? The accounts were closed by the lenders because they were paid in Full from the Sale - not due to ANY delinquent activity on my part - so why is this considered negative?? And why on earth would you report my credit score as Negative. This whole credit reporting system is a joke and detrimental to hard working consumers who pay their bills on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Account balance from creditor is higher than what has been reported to me by more than {$8000.00}. Contacted creditor and they stated the amount is the lower balance that I was aware of and that I have no delinquencies, but my creditor report shows otherwise.

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 2016-10-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Premier Portfolio Group
State: IA

Complaint narrative:
Repeated phone calls leaving voice mails saying that they have a check with my name and social security number on it that is a bad check.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
1 ) My wife and I are disputing a XXXX XXXX account with a balance as it appears on Transunion and XXXX 2 ) My wife and I opened a joint account with XXXX XXXX which later on settlement was agreed upon as " uncollectable '' 3 ) In the court case : " XXXX vs XXXX '' it clearly states that showing a balance is a form of collection activity 4 ) my wife and I repeatedly notified both Transunion and XXXX as well as XXXX XXXX, but they keep verifying that the balance they have is accurate 5 ) We have attached the following documentation to this complaint : a ) settlement with XXXX b ) Notice Potential FCRA Violation - TU c ) transunion reply XXXX d ) replies from XXXX XXXX and XXXX XXXX ) All we are asking is for the XXXX account to show a XXXX balance

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 2016-12-17 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 XXXX reported me as having late payments. I disputed the info but XXXX XXXX was being bought out by XXXX, so nobody verified it correctly. I now have a letter stating the info is incorrect and the Transunion site is stuck on the submission page. I can not submit my dispute again to them. Furthermore, they 've repeatedly come back saying the info is accurate which is impossible. They have a history of doing this. I 've proved them wrong several times.

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 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I write Transunion in XXXX and tell them no dispute for XXXX accounts XXXX and XXXX. But my mortgage person tell me they still in dispute. I NO DISPUTE. Please change this!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-19 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: MI

Complaint narrative:
I attempted to get my Transunion, XXXX, and XXXX credit scores. I logged into what I thought was the Transunion site with the understanding that I am entitled to XXXX free report per year from those XXXX entities per federal law. The website asked me for credit card information, which I thought I was providing so it could locate my accounts. It charged me {$1.00}, without taking me through a checkout page. 

When I arrived on the page that supposedly described my credit score, the information was all wrong. It said I owed over XXXX dollars. I owe, at most at any given time, XXXX on credit cards. Additionally, it listed me as having XXXX active accounts. This is also untrue, I would estimate that I have XXXX active accounts, not including my XXXX XXXX monthly bill. It also said XXXX of my accounts is delinquent. This is also false, I am paid up on ALL of my credit cards, and I always pay timely. I had XXXX dispute over a year ago with XXXX XXXX when they stopped sending me my bill for a couple months, and I had to call them three times to get my bill sent so I could pay it. I reported them to the CFPB as well. 

Additionally, once I got on the page of the so called Transunion site that had my supposed score, it had a new heading with some company called " XXXX ''. I never intended to give this company my credit card information. 

The Transunion site does not list my employer whom I have been working for these past two and a half years. It lists me as self employed. It also lists me as having a {$1600.00} balance with something called " XXXX XXXX ''. I have never heard of this entity, I have never been contacted by it, and I do not owe that money. I never signed anything with such an organization or made any agreement. I want this debt removed from my credit report and the rest of my information corrected. 

I then attempted to get my XXXX report and the website told me I had already pulled my XXXX report in the past year, which is untrue and raises identity theft concerns. Moreover, it then told me I could get it for {$12.00} ( Illegal under federal law as I have not pulled that credit report since 2012 ) and prompted me to a commercial website, XXXX. 

Finally, I am listed on the Transunion site as having a XXXX- credit score, in the low XXXX by their system. This just seems improbable. I pay all my debts on time, I have no student loans, I have a steady career where I make {$42000.00} per year, I pay my rent on time, I have never been taken into collections nor have I ever been sued on a debt. This number is bogus and unfair. I want my credit score to reflect that I pay my bills on time and I pay them off.

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 2016-01-04 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 have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On my credit report there is several companies that was listed on my credit report and was disputed because the account did not belong to me. The Companies could not provide information because they were not mines and they was deleted, but they reappeared on my credit report again and the companies are listed as : XXXX for {$900.00}, XXXX for {$520.00}, XXXX for {$600.00}, XXXX for {$55.00}, and XXXX for {$30.00}. These accounts do not belongs to me and they could not validate the debt and after it was removed the first time it was sold to another company and placed back on my credit report for all three bureaus. Please remove 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 2015-09-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I and my wife obtained a loan for my 2015 XXXX XXXX, of course our credit was not great so I began to search for a better rate after six months. Well when you go to a car dealership the sales men tell you they need to have a report, then they do n't worry it will only be viewed as XXXX hit on your credit ... not true I ended up with as much as XXXX from XXXX dealer ; I went to XXXX dealers and ended up with at least XXXX hits. I called the Bureau and pleaded my case and of course they said the dealer was wrong could not change it, who is wrong in this instance, can there something be put in place so that the consumer can stop this after XXXX hit on the credit. Also they the dealers sell you a car based on what the banks maximum amount is without any negotiation fro the buyer to see if they want to pay that amount. this system is predatory and should be stopped. most consumers with a XXXX and below pay more for goods and services- not fair, please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Some one has my social security number, my name & my home address. That person opened credit cards under my name at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX, & some other credit companies. The total charges to one of these accounts around {$15000.00} for now. i already called these stores & they closed accounts & put on investigations. i already reported to police. I 'm so worried & scared what else he can do with my social security number. Please advise

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 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I had a hard inquiry from XXXX on XXXX XXXX which I did not initiate.

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 2015-04-15 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:
Family with similar names and SS that only changes by XXXX digits. I 've requested and submitted proof of legal name and SS card and letters to get my credit straight of the past 10 yrs. They just do a quick fix but in less than 3-6 months go back to square XXXX. It 's affecting me in job interviews, Car loan, mortgage loans and Credit card apps. Do to this commingled info I have to pay Higher IRR and I have a debt ratio so high that I ca n't afford to pay for loans in a fair market.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed with Transunion to immediately remove and delete negatives collections on my credit reports and Remove and Delete the " Fraud Alert '' .Also Transunion are allowing unauthorize collections and many unauthorized hard inquiries and inquiries. 
Transunion and credit debtors collections can not attempt to collect any debts collections because l am on XXXX XXXX XXXX and Retired. 
Transunion is allowing collections and credit companies report collections on my Transunion credit report and also allowing collection and credit companies pull my credit without my written consent. 
Transunion.XXXX and XXXX are violating my XXXX XXXX Act Civil Rights Laws. 
On my Transunion there is over XXXX or more unauthorized hard pulls inquiries and inquiries that is affecting my credit scores. 
Also Transunion needs to remove and permanent Delete a Fraud alert on my credit Report immediately. 
I have requested by phone conversations from my cell phone number XXXX and Transunion Rep stated they remove it but when l checked my credit online, the Fraud Alert is still on my Transunion XXXX and XXXX. 
I requested written confirmation by emai and regular Postal Post office mail and l still have n't receive Fraud Alert deletions from my credit report. 
I am a Military Veteran. 
This is a Urgent Matters. 
My credit scores are suffering because Transunion XXXX and XXXX are allowing unauthorized hard inquiries and inquiries and collections on my credit reports. 
As of XX/XX/2016 my Credit scores with Transunion.XXXX and XXXX is around the XXXX mark. 
Consumer Financial Protection Agency can pull my credit and view all the issues on my credit reports with Transunion XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I XXXX XXXX would like to cancel my dispute ( # XXXX ). I uploaded an credit document and selected the wrong option. I received the below message informing that I had to processed my dispute manually. 
Thank you for contacting TransUnion. Our goal is to maintain complete and accurate information on consumer credit reports. The dispute request you sent us via the TransUnion online dispute feature will require manual processing

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 2016-05-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been disputing identity theft with a XXXX account that was fraudulantly opened up in my name. I disputed this information with all XXXX credit reporting agencies. XXXXtransunionXXXX. I have also attempted to contact XXXX ( I have no acct number ) to report this theft. I also requested a fraud form to fill out for there investigation as this happened to me with a XXXX credit card as well. XXXX sent me a fraud investigation form which I filled out and returned so they can do there investigation. I received confirmation that they did there investigation and it was proven that I did not open this account and it was fraud and it is to be removed from my credit reports. However XXXX has still failed to send me the form and the credit beaurous just keep updating the incorrect information. I am fustrated and aggravated that I am spending countless hours and time trying to get this fraudulant information off my credit reports. I am submitting this complaint in hopes that they finally do a proper investigation and remove this from my report as it is affecting my credit score and affecting me in obtaining 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 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report in detail XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

Accounts in question are : 1. XXXX ( over 7 years ) 2. XXXX ( I do n't owe anything, says on my report {$63.00}?? simply not true ) 3. XXXX ( i believe we first became late of 7 yrs ago ) 4. XXXX ( I was first delinquent with ORIGINAL CREDITOR over 7 years ago ) 5. XXXX ( i was first late over 7 years ago ) ( very sure ) 6. XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

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 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a debt with XXXX. over 7 years past, the debt was charged off. 
however, XXXX continues to report to credit bureau. 
I checked to make sure the account is not listed in public records,

Company public response: Company 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: CA

Complaint narrative:
I start making payments to XXXX XXXX on XX/XX/XXXX to XX/XX/XXXX on time for the amount of {$100.00} a month, and XXXX XXXX they said that already report all payments on time but is not in my credit report I want Transunion credit bureau to credit my report pay as agreed for all payments I have made on time to XXXX XXXX.This account was charge off by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 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: OR

Complaint narrative:
My FICO score had been rising steadily over the last two years due to my being quite responsible with the utilization of credit and immediately paying my credit card balance in full every month. A few months ago, my credit card company increased my credit limit. They did this WITHOUT asking me or getting my permission. Now because the ratio of my credit usage vs available credit has changed, the bureaus tanked my FICO by XXXX points! In other words, I 'm NOT in debt. I pay my balance in full and on time, but because my monthly charges are now 5 % usage ( vs 7 % ) against available credit, I get punished with a drop in my FICO? This is proof that the credit bureaus need to be investigated and sued. What they are doing is damaging to people NOT in debt. It 's almost as if they rather we accumulate massive debt, which makes no sense. PLEASE do something about this. Obviously their algorithm is broken.

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