vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a satisfied tax lien from XX/XX/XXXX that continues to appear on my credit reports despite being satisfied and cancelled as of XXXX XXXX XXXX. I believe the lien in question resulted from alleged failure to pay sales tax on the purchase of a vehicle from a private owner that continued to be registered in my name without incident up until XXXX. It seems to me then that the lien should not have been there in the first place as one ca n't register and continue to register a car without having paid sales tax however as the incident took place so long ago, I no longer have any documentation to dispute it. It is my simple wish that the lien be removed from my credit report as the debt has been satisfied and misrepresents my credit worthiness to lenders- to my detriment. I can assure everyone the State of Georgia will not take my consumer report into consideration before levying a tax on me. What 's more, the amount owed in the lien was taken out of my tax returns yet again this tax season despite being satisfied, so if the lien could be construed in any way to be a reflection of my credit worthiness, it should be my ability to extend it to the State of Georgia as five months after reporting this error I have yet to see that money returned. If the consumer reporting agencies truly cared about accuracy, then they 'd mention the fact that the fine state of Georgia has brought forth an unverifiable claim of an outstanding debt six years after it was allegedly incurred and followed the act by forgetting it was satisfied one year after I paid, but I digress. I maintain simply that a 13 year old satisfied debt fails to paint an accurate depiction of my credit worthiness to lenders, and should 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 non-monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I obtain services from XXXX a while I cancel the service because the services was not what I thought it would be. So I contact the company and the request me return the equipment becuase this equipment was self install by and they did offer installation. So we I was remove the equipment such censor and things I sent them the wrong item. So contact me and informed via mail and phone that I submitted the wrong equipment. So I final figure out the right equipment and return it to XXXX. On Friday, XXXX XXXX, 2015 I contact XXXX to confirm the receipt of there equipment. I spoke with XXXX who inform me that they receive the equipment and had process a refund. I ask the what account number or card number the credit was apply to because I made severall change far has banking and they might trace or put stop payment on the refund. So I aslo provide the credit card number and XXXX to apply the payment to my current card. On Monday, XXXX XXXX, 2015 I received a call from XXXX stating that I will not be receiving my refund becuase it has been apply to close bank account or credit card. Please explain how can a credit be apply to closed bank account and credit card. Then later I was contact be Staf trying to explain the situation that did not make any sense to me. How can refunds be apply to close bank account and bank card. Please review the Banking ( charges ) for XXXX and the account they said was refunding the money to I do not have the card order information anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
XXXX XXXX, XXXX XXXXTransUnionXXXX XXXX XXXX, XXXX XXXXCase Number XXXX XXXX XXXX, 2015 I received a letter from XXXX XXXX XXXX XXXX XXXX regarding the recent cybersecurity incident and that my personal information may have been exposed. In the process of attempting to sign up for the credit monitoring service with XXXX XXXX XXXX XXXX, I was unable to register for the service because your company shows me as " deceased ''. 

The XXXX staff instructed me to contact your company which I, also, did on XXXX XXXX, 2015. During that conversation with a person named XXXX, I was instructed that I needed to confirm my " non-deceaseness '' by providing a copy of my Social Security card and Form XXXX. You will find the requested information enclosed. Please correct your records to show that I am still among the living! XXXX informed me that I needed to contact the " Social Administration Department '' for a XXXX. I queried him a couple of times as to what and where I was to find contact information for said Department. So with those incomplete instructions, I decided to try the Social Security Administration, which is the Agency I needed to contact for XXXX. I suggest you have your employees read the entire screen during their contacts to ensure that all of the necessary information gets passed along. 

I inquired of your employee when, who and how I came to be shown as " deceased '' in your company 's records. He could not provide any clarification to my questions. I want an answer in writing with the details of the how, who, and when of the reports you received changing my living status to " deceased ''. It is incredulous to me that with the click of a few buttons in your data base showing me as " deceased '' should become an issue that I have to fix!!! 

Your immediate attention to this issue is vital. And provide a written notification to me that you have corrected your error. I can not enroll with XXXX credit monitoring until my status of " deceased '' is changed to " living '' in your data! 

With quickest regards, XXXX XXXX XXXX XXXX ) CC : Consumer Finance Protection Bureau

Company public response: Company 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: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have asked Transunion to send me copies of my original sign documents of the FCRA ACT SECTION 609 I have asked them 5 times to please send me the info and they have fail to do so at this point they are in violation of the fcra section 609 ( a ) ( 1 ) ( a ) also 611 ( 5 ) ( a ) which clearly states me as the consumer has the right to ask the reporting agencies to provide this info if they are unable to they must delete the item this is a federal law.

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

Complaint narrative:
XXXX XXXX holds an auto loan in mine and my daughter 's ( XXXX XXXX ) name. The loan has been paid every month on time through ACH and we have the documentation to substantiate. For some reason, this month they decided to show it as closed and sent to collections. My daughter has been on the phone with XXXX XXXX all morning and no one can explain why this has happened and what their plan is to correct it. This is not correct. We still have the car. The payments have been made on time every month. Help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I notice tonight that my Credit report had a hard injury on it that I know nothing about. The company is XXXX XXXX. I did n't try to get a loan with this compay. Could you please get this checked out for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have moved out the XXXX XXXX XXXX XXXX XXXX by the end of XXXX and did not own the balance of the account of XXXX. Please see the attachments for details.

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 2015-07-21 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:
They are requesting information from me instead of following the proper Fair credit Reporting guidelines. It has been over a year and they want a bunch of documentation and will not send valid information to verify the account owner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are XXXX accounts on here for a XXXX and XXXX for XXXX XXXX XXXXThe XXXX for XXXX state they are for parking tickets. I do not have any outstanding parking tickets. This information is falseAlso XXXX I have paid anything owed to them already so this should not be listed as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
transd union is reporting XXXX accts in error XXXX XXXX bank do n't belong to me they keep reporting in error as the acct do n't belong to me and blair was the wrong due date and such they have been reporting wrong and so far no one has done a thing to fine blair-comenity bank they should be fined for fraud

Company public response: Company 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: CA

Complaint narrative:
I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A collections company, XXXX, CA XXXX posted false information on the credit reporting agencies, e, g. TransUnion, that I had not paid a towing charge- a non-payment- for what they claimed was my automobile, in an attempt to extort me into paying a bill that had nothing to do with me. It was never a car of mine. 

I took the car 's VIN and plate number to the CA DMV on XXXX/XXXX/16 to see if the motor vehicle department had some kind of bookkeeping error. They ran the plate and VIN and told me that I had NEVER had any ownership of the car. Well I knew that, but it meant that the collection company was deliberately filing a false report against me. 

I also requested on XXXX/XXXX/16 for the XXXX Police Department to run the car plate and VIN and they also affirmed I had NEVER owned the car in question. So both the police and DMV agree this was never my car, and I was not responsible for any tow for it. 

I realize the towing company may have hold of an erroneous report resulting from errors in original processing the VIN of this car. When the accident occurred that required a tow, that erroneous report caused my insurance agent, XXXX XXXX, to be called. They, and the insurance company of the other car, both investigated and determined it was not my car. 

Moreover XXXX XXXX, of the XXXX police department, also looked into the investigation file and agreed I was not the car owner. XXXX XXXX told me to have them call him and he would clear it up. 

But when I attempt to tell the tow company and collection agency to just check with XXXX XXXX of the XXXX PD they both just get nasty and insulting over the phone. 

I am recuperating from recent and XXXX and this continual battle with these vicious people has sapped my limited strength to an extent that I have to ask my XXXX to delay my return to work by 2 months, which wage loss will cost me over {$XXXX} Moreover their false claim on my credit report, which existed before without a blemish, will greatly reduce my employment chances, since they routinely run credit reports as part of the background checks I must undergo. So this collection agency 's false claim has already greatly hurt my life and career. 

If they were pursuing collections legitimately they would have contacted me beforehand, and we could have cleared this up. Or they could have simply run, or re-run, the car 's plate and VIN to see their error. 

But they did not, and are insulting and abusive when I call to clear this up. From their nasty behavior I conclude they know they are pursuing this false claim deliberately, and I want them prosecuted to the fullest extent of the law.

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 2017-01-10 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:
Transunion reports a hard credit inquiry from XXXX on XXXX/XXXX/2015 I have never - ever - never- ever applied for credit from XXXX in my lifetime I am a XXXX customer and have been for 20 years, and I want this supposed inquiry deleted from my credit reporting. It is fraudulent, it never happened.

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 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I inadvertently defaulted on a XXXX account with a balance of {$690.00}. This amount in full was paid DIRECTLY to XXXX and there is now a {$0.00} balance with them. This should NOT be with a collection agency or reporting as such with any credit bureaus. Upon disputing this with the bureau, they claim to have verified it, although I was able to verify with XXXX that there is no balance on my account.

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 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I paid {$1.00} for my credit score and was required to agree to the 7 day trial period for credit monitoring of which I could cancel at anytime. I attempted to cancel within the hour but was redirected to sign into an online account which I never set up leaving me the only option of calling them to cancel. It was a weekend and their office was closed so I called the next following business day. I was told my membership was cancelled and I thought that was the end. 3 months later I noticed a charge from transunion on my credit card statement and followed up to see I had been charged 4 times for a service which I was told had been cancelled. I called transunion to rectify the situation. I spoke with no less than XXXX different people with strong XXXX accents and had to keep asking them to repeat what they said and/or speak more slowly. After a 20 minute phone call, most of which was spent on hold, I was once again told that my " inactive '' membership had been cancelled, I would not be billed again, and they would credit my payments back to me and that it could take up to XXXX billing cycles. I 'm not sure I have any reason to believe they will do any of those things since the initial cancelling of the service was mired in hidden webpages/accounts and my first phone call to them resulted in nothing more than wasted time.

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 monetary relief
Consumer complaint received 2016-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XXXX XXXX I received a credit score from TransUnion indicating my credit score was XXXX. I also received from TransUnion documentation that a civil judgement ( docket # XXXX ) from XXXX XXXX Court had been deleted per my disputed item request. Shortly thereafter I enrolled in the TranUnion credit monitoring program for {$11.00} for a fee of {$11.00} monthly. 
On XXXX XXXX I learned from XXXX different loan processing companies that the above item was reflected on my credit file and that my credit score was XXXX ( XXXX ) as opposed to ( XXXX ) XXXX. After I spoke to a TransUnion representative he assured me the item was not on my credit file and agreed to send me a copy of my credit report. XXXX of the loan processors called me back later on the XXXX and said it was " weird '' that the above item was now not showing on my file but my credit score remained the same. Since then i have learned that my credit score is still reflecting XXXX despite the fact that XXXX more account is reflected as paid and no other derogatory ( derog ) marks have been added to my file as of this writing or within the 30 days since receiving the XXXX score. 
In conclusion, it appears to me that TransUnion reinserted the removed item at one point and may or may not have removed the item despite me previously proving the item to have been satisfied thus the deleted notice from TransUnion. It also appears that TransUnion did so maliciously because I cancelled my subscription with the company. Apparently, based on the options provided by CFPB, this is not the first time credit reporting agencies have reinserted previously deleted items onto consumer 's credit files.

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 2016-05-26 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: GA

Complaint narrative:
Ca n't receive my credit report because of information on my credit report is not accurate I am a victim of I 'd theft which has been reported many years ago with the IRS and other government agency and still my information is being stoking for cars mortgages and loans that I never had or applied for ... I 've tried calling the police for a complaint and they we 're no help instead they blew me off what is my next step to fixing this issue?????

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 2016-08-16 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: OH

Complaint narrative:
First, I attempted to register with XXXX so I could monitor my credit but I was unable to successfully register due to " incorrect information '' error. Later, I attempted to get my credit reports from annualcreditreport.com. This too was unsuccessful and I fear that the credit bureaus may have my information wrong. 
Attached are documents regarding my identification. 
Thank you

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 2015-07-05 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:
On XXXX XXXX, 2010 I did not have an account with XXXX. I check with XXXX and they informed that there are no outstanding issues or invoices on my account. Based on my credit report, XXXX in XXXX, TX - ( XXXX ) XXXX is the collecting agency. I never had any contact with this collecting agency before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is not giving Giving me any Response from XXXX XXXX about why are they reporting after more than 2 years, They allow to poison my credit sending every month the account is off charge, is Poison my Credit, this is a illegal action from XXXX paying Transunion to Damage my Credit Report, Off Charge is one time action not a recurring action by the Fair Credit Reporting Act. I need them to Stop Poison my Credit for this Action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are repeats or multiple accounts of my student loans. I only have XXXX students loans. My report says I have XXXX open loans. It appears there duplicates of the same loan more than once. My total student loan debt should be around 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