vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I do not know who opened the profile for me, and the hospital 's I went to said that they would not charge me.

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 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I owned the property which is financed by XXXX XXXX XXXX XXXX. I divorced and the ex-wife was awarded the property and all responsibility was placed on her for the mortgage of the property. Absolute divorce was granted on XXXX XXXX 2007. This is the only item that is negative on my report and I wish to improve my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX 2016 I mailed a letter to Transunion that they received in XXXX 2016, and I have yet to get the results of the investigation. I reviewed my credit report, and none of the accounts that I requested to be disputed were marked as " Consumer Disputes Account '' .On yesterday evening, I contacted Transunion and spoke with a representative that stated they had received my letter however when she asked what accounts were disputed ( mind you, she was supposedly looking at the letter I sent ), none of the accounts had been disputed. I asked to speak with a supervisor in which I was transferred to someone that represented himself as " XXXX XXXX '' ( alias name as this person was also in XXXX ). He also pulled up the letter after I explained the dilemma and he advised that per the letter, I did n't ask for the accounts to be disputed but he stated the results were mailed out on XXXX XXXX. Now I was really confused, if you did n't perform an investigation, how in fact could there be results sent of an investigation? I advised him that if in fact an investigation was performed then the accounts disputed should be noted as " Consumer Disputes Account ''. I finally got frustrated enough to thank for his time and move on as he was obviously just reading from a script. I contacted Transunion 's special handlings department this morning and spoke with XXXX, who advised they had only placed XXXX items from my request in dispute which were the XXXX items that were the second page of my request. I did confirm that they did receive the request in its entirety which was XXXX pages, she confirmed. Apologetic, however, she was unable to offer a remedy to the problem besides wanting to put the items under dispute at the time. I advised that this was unacceptable and against FCRA in the sense that they received the letter and failed to perform the investigation according to what was written on my letter. They violated them sending the accounts over the creditors within 5 days of receipt of my letter, BIG FCRA violation. I asked to be transferred to their legal department as I wanted to get the information as to where and who I can send my motion to that I will file with my local court. I was transferred but received the typical voicemail in which I did leave my file #, name and phone number and to which I am now awaiting a response ( if I ever get one ).

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 2015-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has investigated a XXXX and XXXX XXXX account and resolved the dispute by putting " consumer disputes '' on my credit report with balances that are collectible. XXXX XXXX nor XXXX have not received payments in over 4 years and the Texas statue of limitations is 4 years. XXXX XXXX showed they received a payment XX/XX/XXXX so why is Transunion still showing the account " in collections '' when that puts the balance out of the statue of limitations in XX/XX/XXXX? XXXX only shows a balance on statements and fails to respond to requests showing when the last payment was received. I have been a Texas resident since XX/XX/XXXX. Even the charged off statements show the account should not be " in collections '' and disputed but charged off with a zero balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, XXXX and XXXX reporting for Acct Number : XXXX : On XXXX, Acct # XXXX is being reported with missing Date of Last Activity, missing High Credit and Date of Payment shows XX/XX/2012 ; However on Transunion it is reporting Date of Last Payment as XX/XX/2012, and on XXXX, Date of Last Payment is missing, High Credit and several account terms are missing. 
On a few separate occasions I have disputed with all XXXX credit bureaus XXXX, Transunion, and XXXX pertaining to Acct # XXXX and each time it has been 'verified ' by XXXX XXXX XXXX . I have included the excerpts of my credit reports showing how these accounts are reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX student loans are reporting monthly payments due of over XXXX dollars. This was fixed by Transunion about two months ago as they are not in repayment. However, this month the accounts report once again as if in repayment. Enclosed proof all these loans are deferred and do not have a payment amount due each month. The last time I had to complain to CFPB as TU refuses to help me..

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 2017-03-30 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: SC

Complaint narrative:
Transunion will not allow me to access my credit report online at all or they will not mail it to me after a recent investigation. I need my credit reports asap for 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 non-monetary relief
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have initiated XXXX separate disputes with TRANSUNION for XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and TRANSUNION has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX address and sent them 2 letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!! 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently.

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 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX is reporting that our forclosure happend in XX/XX/XXXX, when in fact it took place in XX/XX/XXXX. It was then resold in XX/XX/XXXX but they are reporting false information. There are public document on the property at XXXX XXXX XXXX XXXX XXXX XXXX, AZ.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
Ally auto has continually sent letters, each time with a different amount that I supposedly never paid for a leased car that I had. I have had XXXX other leases with them, which I assume I would n't have been approved for if I owed them money. Anytime I contact them to ask for whatever records they have for this debt I am told that they do n't have access to them because it was so far back. I really think they are just scam artists.

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 2015-07-01 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:
Dear Sirs/Madams : A " hard inquiry '' from a car dealer named XXXX XXXX has recently appeared on my record. I did not authorize this inquiry, I did not make any application to a XXXX XXXX for anything, and I do not intend to do any business with a XXXX XXXX. It is apparent that someone has hacked my personal information. Please have this hard inquiry deleted from my credit files. XXXX, XXXX/XXXX/2015 XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family.

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 — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have previously submitted a certified letter which was sent on XXXX XXXX XXXX and signed and received on XXXX XXXX XXXX I also sent a certified letter on XXXX XXXX XXXX requesting that a dispute be initiated for a XXXX XXXX Bank XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process XXXX XXXX Bank XXXX XXXX account was verified and still displays information which is inaccurate. 
The following is a list of inaccurate, incomplete information still contained in XXXX XXXX Bank XXXX XXXX. 
1. The account was opened on XXXX/XXXX/XXXX however the account displays no payment history in XXXX, XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
My dispute is over the fact that my husband and I owe to the same creditors. Payment history is the same. His FICO score is XXXX points more than mine. 
Trans Union - reporting that I owe XXXX mortgages on our house XXXX - Reporting my house is a business. 
XXXX - His FICO score is XXXX points more than 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 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is reported in my Credit Report Transunion and XXXX Acct # XXXX Charge Off report XXXX until XXXX report I have erequested a signature proof of account, not sucess. This a frausdalent account, Please removed from my Credit reports. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 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:
Been trying to get " Account in Dispute '' removed from my credit report for more than six months with no luck

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 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX ) i notified XXXX that on XX/XX/2016 i sent XXXX a certify letter disputing my account it was delivered an as indicated in the ( FDCPA XXXX ( A ) ) the creditor has 30 days to put a remark that i have disputed the account which they have not done and its still being reported by equifax has not removed the report i sent XXXX more letter to XXXX to the same add as the first letter but this time they not accept them. This is affecting my current process for a job with customs. and i also requested that equifax remove some hard inquiry that i have not authorized and they said they can not removed them i hope you can assist m with this situation. i will include copies of the certified receipts and returned letters.

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: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a problem in the way TransUnion is reporting my credit scores, which is causing me problems when trying to obtain credit. In comparing all XXXX of my credit reports, the credit history between all XXXX credit reporting agencies is consistent, but TransUnion is reporting my credit score very low. For example, both TransUnion and XXXX use the XXXX Score XXXX model, both agencies have pretty much identical credit history, yet XXXX has my credit score listed at XXXX and TransUnion has it listed as XXXX. This is causing me issues in obtaining a refinance of my house, higher interest rates etc. I fully understand that each credit reporting agency has it 's own method of generating credit scores, but there is something fundamentally wrong when the scores are this much off between the other XXXX agencies. I have attached a document showing the disparity between my TransUnion and XXXX credit scores.

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 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My ex-husband XXXX XXXX him and his new wife took my social security and had all my info and opened accounts and used my name for different things she also worked under my name at a XXXX in XXXX Utah where they grabbed most of the accounts

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 2016-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion did investigate, but they still are reporting XXXX late payments on my XXXX XXXX XXXX XXXX Account. These late pays are a mistake and I have the letter from the company stating such. I need this removed from all of my credit reports as I paid on time as agreed. Thanks so much for your 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 2015-10-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion, like XXXX, like XXXX have as normal decided to write the rules, and support bad behavior that the law was created to protect, they do n't actually investigate any credit report errors. In my complaint, as with my father, my grandfather, my brother, and myself, they instead of reporting accurately, include the names of my relatives to support leaving inaccurate information upon my credit report, in my case they have verified accounts, in verification verified that they belong to my father, XXXX XXXX, my brother XXXX XXXX XXXX or my grandfather XXXX XXXX XXXX, but include upon my credit report as verified. They are breaking the law, but seemingly realize they write the rules, and does n't abide by any regulatory requirements, in my case they have XXXX repossessions for us auto credit, and XXXX that belong to my relatives, they have a charge off for paces run apartments, where I have never lived, but to cover up their wrong doing, include inaccurate names associations, and address to cover up their wrong doing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My XXXX account has been paid in full this month on the XXXX 
Last Reported XX/XX/XXXXCreditor Name XXXXAccount Type Charge AccountAccount Status OpenOpened Date XXXXClosed Date -- Limit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status CurrentWorst Payment Status CurrentDate of Last Payment XX/XX/XXXXAmount Past Due $ 0Times 30/60/90 Days Late XXXXRemarks --

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 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: CT

Complaint narrative:
I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( transunion and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through XXXX and much to my dismay one of my scores ( transunion ) was no where near what XXXX had reported, the second score ( XXXX ) was nearly the same and the third score was super low. All XXXX reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. XXXX ( transunion, XXXX, and XXXX ) had XXXX different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score two times each. Once for being in bankruptcy and another for being late thus killing 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
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
items still remain on credit report after being paid and released by state of georgia and XXXX 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