vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect reporting of my status by Transunion The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for the XXXX District of Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # XXXX Transunion needs to correct my account status as Mortgage included in Bankruptcy.

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 2017-01-14 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 credit score went down a lot and the information on my credit report is 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 2015-05-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I submitted online disputes and im supposed to recieve a corrected copy but when I request my report from all three credit monitoring services im told i already recieved my annual report and i have not recieved anything to date

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had disputed XXXX in XXXX 2014 and they proceed to delete due to inaccurate information and improper reporting. Yet recently i have found the account on my file again. this account is outdated, inaccurate, contains incorrect dates and status ' and is not reporting correct payment history. It has no place being on my file if they refuse to conduct a proper investigation to correct it. I asked the reporting agency for proof of investigation and their results and paperwork regarding how they verified it and let the account remain on my report yet i have received nothing till this day. I am skeptical and certain that absolutely NO investigation was done to verify the derogatory item. They must remove it if they can not honor my request to correct the accounts information and show me how they verified them and allowed this to be reported to my file. You can not delete something and place it back to my file months later. That is suspicious and sneaky

Company public response: Company 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 — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Transunion placed a judgement on my credit report unlawfully, they removed it from collections and then placed it as a public record when I have never been notfied of a court hearing or date. The state they say I owe do n't even have it listed that I owe them on their very own website ( XXXX ), I have asked them numerous times to remove this inaccurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit dropped XXXX points for a XXXX collection that do n't even exist!! I contacted XXXX and was informed there was no balance on the account and that the credit agency has made a mistake!!! 
I gave XXXX all my info ( account number & social security number ) they looked up my account. ..which by the way is over XXXX years old and said there was NO BALANCE on the account!!!!!! Someone made a mistake and now i have to suffer the consequences with MY CREDIT SCORE DROPPING!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
A security system sales person with XXXX XXXX XXXX out of Utah came to my house to sell me a security system on XXXX/XXXX/2015. He inquired of my date of birth, full name and my husband 's full name. I refused to disclose my birth date and I did not give him my husband 's first name. He then said that he had to verify that I was a homeowner and without my knowledge or consent, made an inquiry on my Trans Union credit report using only my name and address information. I also had not made a decision about purchasing the system from his company and will now not be doing so because he did not receive my permission to do an inquiry on my credit. I discovered this inquiry from XXXX XXXX XXXX ( XXXX ) by email when XXXX XXXX sent me a notification that a hard inquiry had been made on my credit report. I feel that the sales person, has been dishonest with me concerning his intentions to sell me a security system by pulling my credit without my consent or knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Judgment XX/XX/2012 {$0.00} XXXX : XXXX XXXX XXXX judgement has been paid off and i want it to be removed 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 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have a credit report from XXXX XXXX 2016 where Transunion shows that there are XXXX inquiries on my credit report. Then, on XXXX XXXX, I pulled another credit report and Transunion has placed XXXX inquiries on my credit report. They claim it was a glitch, but when I called, the representatives lie and say my credit report was not affected, but I have the proof. I was hung up on by XXXX representatives who refused to transfer me to a manager, or anyone in the USA. 
The violated the Fair Credit Reporting Act, Section 611 ( B ) ii which states any deleted information ca n't be re-inserted unless they notify a consumer in writing within 5 business days. I was never notified. They just blatantly broke the law. 
These are the inquiries that were deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX of XXXX pulled my credit on XXXX/XXXX/2015 from minimum XXXX banks and other institutes without my authorization. I called XXXX of XXXX, XXXX TX XXXX to remove the inquiries on phone, they said I should ask Credit Bureau, when they will contact ask them, we will ask them to remove. 
I spoke to XXXX credit Bureau, they told me to contact the company who pulled the credit file, or I call individual company. 
My credit is ruined by these marketing guys, My son XXXX years old goes to XXXX, he is XXXX, I am trying to get a vehicle XXXX but due to many unauthorized inquiries and negative impact on credit report I am declined for that and also for other financial help I try to get some loan. Please help me I am not able to deal with big companies they do n't care and do n't want to listen what I am saying. For me and my XXXX son its very important to remove from my credit repot. 
I would appreciate for your kind help, you can see in attached lists how they have pulled my credit report. Not only me but my XXXX ( I am XXXX ) family and specially my son who is XXXX at XXXX ( XXXX XXXX XXXX ) who really needs transportation and van XXXX, due to too many unfair and unauthorized inquiries. 
I have attached XXXX files, includes all XXXX credit Beureaus Consent to publish the description of what happened? Consent provided Supporting documents Unauthorized Inquiries list XXXX XXXX XXXX Bearues.docx ( XXXX ) credit iquiry XXXX Beureaus.pdf ( 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 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Previously delected items were added onto my credit report without prior written notification. Per FRCA Section 611 all items must be removed XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXs XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The company refuse to block the FCRA 605B Due to fraud. The company violated my consumer rights by not blocking and removing the fraudulent items that are on my credit report due to fraud. I filed a police report of the items that were stolen in my name. The company responded back that could not validate my police report. The police report is valid and my social security number was stolen to open the accounts under my 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 2017-01-13 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: AZ

Complaint narrative:
I have called several times regarding error messages accessing my report online. The only response from " customer service '' is to try an sell me one of their products. Will not send me a report via phone call and can not access via 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 2016-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX account on my experian credit report was schedule to come of my credit report XX/XX/XXXX and experian refuses to remove it from my credit report I also attached a previous experian credit report form XX/XX/XXXX showing that XXXX account was schedule for deletion on XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I have notified the following credit bureaus they are reporting these fraudulent accounts that are a result of identity theft ; XXXX XXXX XXXX # XXXX with Experian and XXXX XXXX XXXX XXXX XXXX # XXXX with XXXX XXXX. I have supplied the Credit Bureaus with my dispute letter detailing the accounts that are fraudulent and were created by someone who used my personal information and identity for fraudulent services and financial gain. I also detailed in my letter, describing how it was not possible to create these accounts because I no longer was in the state the account and contract was created in. I also disclosed to the credit bureaus the suspects who forged my signature and used my personal information are XXXX XXXX and her associate XXXX XXXX. I believe they used my personal information and created these accounts, as they had access to my personal documents. I filed an identity theft police report with the police department, notarized Federal Trade Commission ID Theft Affidavit, and disputed the fraudulent accounts, supplemented with a copy of my drivers license, social security card and utility bill. I ensured my letter had my current address in the letterhead, date of birth and social security number. The Credit Bureaus failed to give a reasonable investigation to my disputes. If they did, they would have observed I provided abundant information to support my dispute and claim. I am a victim of identity theft and these accounts are created by the theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Insurance and Banking agencies use Experian-generated questions to confirm identity. These questions are incorrect and they 've caused me to be locked out of my car insurance account ( a company I 've been with for 30 years ). I 've now spent XXXX5 hours trying to resolve this but : 1. Experian has a phone tag system that leads to nowhere. 
2. I 've tried to get my Credit Report to see if there 's an actual issue, but I 'm unable to. The " system '' informs me to call ExperianXXXX XXXX etc, but ... see XXXX above. 
These companies have far to much power and operate in such a haphazard way. My insurance company said they are receiving MANY calls from customers facing the same dilemma I am.

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 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian claimed it was mailed to me on XXXX XXXX It has been over 2 months since I requested it..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My goodness I have been through it with getting information on my Credit Report changed. XXXX, XXXX and Experian 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 XXXX 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 non-monetary relief
Consumer complaint received 2015-09-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
For the past eight years I have been incarcerated. Just prior to my release the institution had us to check our credit reports. Upon doing so I discovered that there many accounts I could not have opened because I was incarcerated at the time. I sent off letters to the XXXX agencies and I have had a very hard time getting my reports. Experian refuses to give me a a report because they say they cant confirm my address. On XXXX occasions I have faxed them my bank statements both of which have my address. I also sent them a notarized affidavit signed by a prison official attesting to the fact that the address I gave them would be my release address and that there was no way I could have procured the credit because I was incarcerated. Experian and XXXX give me test questions to verify my identity however the questions they ask are based on the fraud items which are on my account hence I do n't know the answers. Furthermore it is my understanding that if XXXX credit bureau deletes an item they are supposed to notify the other XXXX bureaus so they too can remove the item this has not happened. On XXXX XXXX I spent the ENTIRE day on the phone with Experian and XXXX trying to get them to release a block that I asked them to put on. In the case of Experian once again they asked for documents to be faxed and once again I sent the bank statements, affidavits, birth certificate and social security card. On the XXXX I was trying to get them to lift the freeze so an employer could check my file and so that my family could assist me in getting a car. The Experian rep thought it was amusing and I assure you there is nothing funny about my plight.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are XXXX outstanding issues with my Experian credit report which have negatively affected my credit score : 1. The XXXX XXXX credit account listed in the report is not mine. This account is linked to my college address and was reported to be opened under a name that does not belong to me. At the time this account was reported to be opened, I had already graduated college and was no longer living in that address. I never authorized to open this account. I am requesting that the item be removed to correct the information in the report. 

2. The name linked to the XXXX XXXX credit account is not mine. I am requesting that the item be removed to correct the information in the report. 

I have provided Experian my SSN and passport which states my legal name. Experian has not corrected these XXXX issues even though I have written and disputed the information. 

Attached is : - An excerpt of the original letter I wrote to Experian. 
- A copy of my passport. 
- A utility bill from XXXX as proof of my address. 
- A utility bill from XXXX as proof of my address. 
- A utility bill from XXXX as proof of my address. 
- An excerpt of Experian 's dispute result with the credit account that does not belong to me. 
- An excerpt of Experian 's dispute result with the name that does not belong to 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 non-monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Nelson Cruz & Associates LLC
State: IN

Complaint narrative:
They have called me upwards of 60 times in the past month. They are callingmy parents house, and harassing them, after repeatedly being asked to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I disputed an account on my Experian and XXXX credit reports that I believe is invalid or possibly the result of prior identity theft. 

The account was deleted, but then was re-added by another debt collection company who modified the date to re-age the debt so that it would appear as a recent debt causing more damage to my credit score and prolong the duration that it would appear on my credit report. 

The invalid account is listed as {$110.00} owed to XXXX XXXX XXXX XXXX, account # XXXX, opened on XXXX/XXXX/2015. 

I disputed this account a XXXX time with the assistance of the Consumer Financial Protection Bureau and the Colorado Attorney General 's Office. The debt collector stated that they believed the debt to be valid, but would have to deleted from my credit report while the investigation is ongoing. 

As of today, this invalid information is still on my credit report. I have attached the letter from the debt collector stating that they have requested the credit bureau to delete this account. 

I am asking that the credit bureau act promptly on this delete request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experience will not investigate unusual reporting of my identity. I have sent document proving I have never gone by the name XXXX XXXX. That I do not have a SS # that ends with XXXX. And that I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I am attempting to improve my credit and I am concerned that someone at some time used my information or that my information is crossed with someone else and want it investigated. They did not investigate. There are XXXX social security numbers on my report and they will not look into it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief