vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This issue with this response from Transunion is that they 've already removed partial hard inquiries that were affected by the glitch, they just did n't remove all of them as requested. You ca n't refuse or request documentation when you 've already removed some of them when I placed the phone call with you. Please remove ALL inquiries affected by the glitch! 

-- -- TRANSUNION 'S RESPONSE TO FIRST REQUEST -- Should you have documentary proof that shows you were in fact impacted by this issue, please submit the documentation via mail to XXXX. XXXX XXXX, XXXX, PA XXXX. The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written authorization may not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. Should you need any additional assistance, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your 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 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
A money judgement pending in the Maine XXXX Court - XXXX, ME. was satisfied and dismissed. ( see attached Satisfaction of Judgment & Certified Court Docket ). I wish to remove this Public Record from my credit file as it negatively impacts my XXXX scoring as an erroneous record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint regards a dispute that I filed with Transunion regarding medical bills from XXXX XXXX XXXX Hospital. The dispute was filed XXXX XXXX,2015 and an additional dispute was filed on XXXX XXXX, 2015 against the XXXX. I received a letter from Transunion dated XXXX XXXX, 2015 ( see attached ) that stated additional time was needed. Both of these disputes were independent of the other and should not have complicated matters with Transunion. It has been in excess of XXXX days since my initial dispute regarding the medical bills and I still have received no correspondence from Transunion regarding either matter. I contacted CFPB again on XXXX XXXX, 2015 and received correspondence stating that Transunion had sent a response stating that a copy of my credit report would be sent within XXXX days. Todays ' date is XXXX XXXX, 2015 and it certainly has been in excess of XXXX days since my dispute was filed and I would request that this information be deleted from my credit report. My initial dispute stated that at the time of the hospital visit I was fully insured and the bills should have been completely covered by my insurer at the agreed upon cost between the insurer and the hospital. 
Again neither of the disputes had anything to do with the other and should not have complicated either dispute so the additional days requested was not needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: OH

Complaint narrative:
I was on the Income Based repayment plan for the past three years, but was denied this year since getting married, even though my husband makes less money than I do, but with combined income, they were able to deny me and placed me back in the standard repayment plan. This took my total payment from {$140.00} to {$430.00} for XXXX loans. I can not afford this payment as I also have private loans with XXXX. 
I have called for FOUR months to customer service and each time they put me in Forbearance and say that my next month 's payment will be corrected and around {$200.00} total as they are placing me on the extended graduated plan. Then each month, I get a bill for over {$400.00}. Each time I call, the rep says " oh I see where you called, but your plan was not updated ''. This has taken so much of my time trying to get this corrected and has been extremely frustrating, when I am actually trying to make the payments. I do n't want to keep being put on forbearance, I want to be in the correct plan. If I try to use their website, it wo n't let me do anything because it says I 'm in forbearance. On XXXX/XXXX/16, I tried to send an email, hoping that putting my complaint in writing would help, but I only received a generic response about logging on to their website. Please help as this level of service is unacceptable. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 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:
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Oil And National Credit Cards I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my 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 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On my credit report it list that I have XXXX open accounts, XXXX closed accounts and XXXX negative accounts. Of the negative accounts still on my report I have paid XXXX of the XXXX off either through an " I Pay Debt Agency '' or by myself but yet they are still listed as diliquent even after being paid off and closed. Some accounts that are opened have XXXX balances but still show as negative on my report and i also have XXXX XXXX XXXX who transferred my Mortage over to XXXX after defrauding many of their customers 's and getting them into loans which put many customer 's including myself into jeopardy of possible foreclosure. Can someone please review my report and help me get it straightened out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 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 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report. 

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 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had outstanding state taxes due to the Georgia Department of Revenue ( GDR ). I ( through my attorney ) did an offer and compromise to settle all of my outstanding taxes. I received a stamped release from the GDR. The Trans unioin credit bureau is telling me they do n't take off tax liens even if they were paid. I 'm attaching the Georgia State Tax Lien Executions, stamped, signed, and date XXXX XXXX, 2016, stating the {$1500.00}, has been paid, satisfied and ordered cancelled from record. I 'm attaching my Transition Credit Report for you to see it is still being reported. When I spoke with them, I was told nothing can be done.

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 2016-11-13 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: VA

Complaint narrative:
Despite YEARS of stellar credit reports and scores, at or about 800 for each reporting agency, I was a couple of weeks late paying XXXX credit card bill and my score dropped over XXXX points! Really, over XXXX points by each agency. This is unbelievable. I have not been late paying any bill in many many years. I was in fact in the hospital undergoing XXXX at the time this bill was due. I do not dispute that payment was late but after my very long history of cultivating exceptional credit status this XXXX point drop must be seen as excessive. In addition, I am in the middle of refinancing our house and this credit report, as it stands now, is costing me money. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There is an account on my transunion report that does not belong to me. I have tried to contact the collection agency XXXX whom is reporting this account and the phone numbers are disconnected and the fax numbers are no longer in service. I disputed this account with transunion and the response I got was this account was 'VERIFIED '. XXXX did not verify this account because this company is no longer in business. I asked for the METHOD OF VERIFICATION that transunion used and got no response other than XXXX. There is no way that this account was verified if it is gone out of business. This collection account has ruined my credit score tremendously and I am using CFPB as the last resort before pursuing legal action. XXXX all accounts that do not belong to me. I have disputed these accounts numerous times with transunion as well as the collection agencies for VALIDATION and have not gotten a response in 30 days from the collection agency so I am certain that these XXXX accounts have not been properly verified through transunion. I requested signed paperwork with my signature on it for validation that this account belongs to me and transunion nor the collection agencies verified not validated this fraudulent information. This is my last attempt for this fraudulent accounts to be removed immediately since they have not been validated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Roughly 5 years ago, in my mid XXXX, I filed for bankruptcy. I hoped that by doing this in my early adult life, I could then be prepared to move forward with my life ( buying a home, starting a family ) in my XXXX. Now, at XXXX last XXXX XX/XX/2014 I started my search for a home! 

Upon receiving my pre-approval and getting my credit report, it was brought to my attention that there was an outstanding amount for {$3500.00} with XXXX on my report. I went back to my bankruptcy paperwork and yes, this {$3500.00} was in fact included in my bankruptcy -- it was paid, but somehow 5 years later was still a huge red flag of delinquency on my credit report. I could n't believe it had been sitting there for 5 years hitting my credit negatively. 

In XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX asking them to remove it. I did n't receive a response. When I called to follow up on the status, they directed met to call the XXXX credit bureaus to have them take it off on their end. I ended up getting in touch with TransUnion via a form, and received a cryptic response of their " investigation '' -- the amount still was on my credit report. 

Today, I sit in complete and utter sadness -- my loan for the home I 'm looking to purchase is at a dead stop because of this incorrect listing on my report. I spent most of yesterday ont he phone with XXXX, asking them to remove it as swiftly as possible ( I 'm t minus 4 days until my targeted closing date ). Their response : " an investigation will take XXXX hours and a solution could take XXXX more days on top of that to remove it ''. I more than likely will be losing my opportunity to purchase this home because of their lack of response to my initial letter in XXXX, and their incorrect, sloppy administrative practices -- XXXX months of " deliquent '' has been hitting my credit report and now, preventing me from obtaining a loan to buy a home, despite years of work to repair and move forward from my early credit issues. 

I 'm devastated and do n't really know where to turn at this point. I plan on following up with XXXX today to try to make them remove it again, but I 'm terrified the sellers will be backing out and additionally, I will lose the {$14000.00} deposit I 've already submitted. I ca n't believe this is happening ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 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:
I need your assistance in helping to get inquiries on my credit file that was not authorized nor completed by me. I am a victim of identity theft. My purse was stolen and some my personal information was compromised. I did not authorize any credit applications ( inquiries ) between XXXX XXXX and XXXX XXXX. Please have Transunion to remove these inquiries from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 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:
On my credit report it has an address listed that I have never lived nor have I ever been to that state. And another case where I have a misdemeanor under my name. My wallet was stolen from me in 2007, please give me some advice as to how can I remove this from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I tried to open a bank account at ally bank, but I was denied since I do not have any social security number. On this link XXXX it is stated that I am not required to provide a SSN to open a bank 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 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Transunion has listed wrong information in my report. 
Attached files are my id, proof

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 2016-07-25 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/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report. These items I 'm disputing also are listed bellowed. As well I have attached copy of my credit report reporting so that you could see the account information individually. 

This item I 'm disputing are student loan that have appear on my credit and they are not mine. I have file several complain to CFPB each account sparely. In addition I had file several complain to Ombudsman directly and the respond was my entire Loan are paid in full there are no other loan from any of the other agency pending. The answer is the account is not there 's. What you are reporting is inaccurate or incomplete. I am requesting that the item be deleted and to correct the information. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters and ( delete or correct ) the disputed item ( s ) as soon as possible. I have attached copy of all the correspondence regarding this issued. 

( 1 ) A copy of my credit report on each account for XX/XX/XXXX ( 2 ) Letter from Dept of Education XXXX Discharge XX/XX/XXXX ( 3 ) Letter from XXXX XXXX/XXXX/XXXX FFEL Teach Loan Discharge ( 4 ) Letter from XXXX XXXX/XXXX/XXXX Federal Perkins Discharge ( 5 ) Letter from my Attorney in XXXX/XXXX/XXXX ( 6 ) Complain report from CFPB ( XXXX ) Correspondence from Dept of Education ( 8 ) Correspondence from XXXX Unfortunately these institutions have not provided me with accurate information. In addition the XXXX XXXX took this entire loans with out my consent. They lied they said it was scholarship not needed to be repaid. 

What I do n't understand if I submitted all the documentation that was request of me for the XXXX on time in XX/XX/XXXX. Why I 'm dealing with this nightmare still 8 years letter. 

Furthermore XXXX was able to process my application plus report to the Credit Bureau that Loans were paid as agreed close. Why do the other agencies report I was UN default? Along with loans benign open send to collection and late. Why are they still open it should be close? In addition it has been 8 years seen this Loan were reported to the Credit Bureau. And how many centuries do they need to solve these problems. 

To solve the problem, I will appreciate your clarification and explanation on every single loan that appear on my credit report. My Understanding was that XXXX took XXXX loans and the Dept of XXXX Paid and clea

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 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
XXXX has been disputed numerous times on my credit including an update showing currently a lawsuit pending against XXXX and Consumer Protection Bureau has closed the case with my response to the dispute, and also XXXX did not respond within the 30 days

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 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Account # XXXX - XXXX XXXX XXXX Transunion is reporting my XXXX XXXX XXXX account as 30 days late for XXXX & XXXX of 2016. I have contacted XXXX XXXX XXXX and they confirmed that the account was NOT 30 days late XXXX & XXXX of 2016. They advised it was the credit bureau reporting it in this manner. This delinquency needs to be removed. Transunion refuses to correct the 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 explanation
Consumer complaint received 2016-03-04 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:
There are a lot of inquiries on my credit that are n't from me and they refuse to remove them

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 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion refuses to delete this XXXX account from my report. 
The account was never in my name, I never applied for it, I never agreed to make payments on it, I never used it for credit or cash in any form, I never made payments on it. 
The account was strictly used for a business that I had no association or dealing with. 
XXXX took me to court last year to collect payment ( see court documents attached ) but had no evidence of my responsibility for the account or its balance due. Without any evidence, the case was dismissed on XXXX XXXX, XXXX, as the court documents show. 
TransUnion has NO documents from XXXX showing my responsibility. 
TransUnion has evidence from me showing NO responsibility for this account ( the admission by XXXX in court records ). I have disputed this with TransUnion 4 times since XXXX XXXX, XXXX with the same result. 
I need your help in deleting this XXXX account from my credit report. 
Thank you.

Company response to consumer: Closed with explanation