vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Please correct the information for this mortgage in 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 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am a victim of identity theft and some stole my identity and used my personal information to apply and open up the following unauthorized and fraudulent accounts accounts that are not my accounts : 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, US Department of Education, XXXX, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : 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 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I call Transunion to make a dispute on my credit report, the first person I spoke to did not know how to do an online dispute so I spoke to a manager by the name of XXXX. XXXX told me how to go online to do a dispute but it turn out when i try to do it myself I could not figure out how to do it and the manager did not know how to show me to do it. Transunion report for millions of people and I pay a membership fee they should have an easier system to use online to fights dispute. I have a clear letterhead from child support asking to remove delinquency and also that I owe {$0.00}, not {$870.00} stated on my credit report. This is not a collection account it needs to be removed right away. My name is XXXX XXXX, XXXX XXXX XXXX XXXX report number XXXX. I attached Cover letter, Child Support delinquent account and Head head from child support asking to remove Delinquency off my credit report and I owe {$0.00}.

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 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I fully paid account and closed it. The credit card owed me a balance of {$50.00}. 
I had to call and have the amount checked and put in the account. 
Now the account is being reported as restricted, dropping my credit score during the holiday shopping season. High interest, annual fees, and poor service is why I closed this account. I believe this was a malicious act ... 
XXXX XXXX account # XXXX Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 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: CA

Complaint narrative:
I was unable to get a free credit report from ANY of the XXXX companies at www.annualcreditreport.com. I believe this is by design. They ask questions the average person can not be expected to know ( for example the year your home was built for apartment renters, partial phone numbers of relatives, etc. ) and then refuse to provide a report based on the answers, unless you jump through many more time consuming hoops. They make the process unnecessarily difficult. This website was obviously put up to create the appearance of making an effort to comply with the law, while avoiding actually doing so as much as possible. It 's abusive.

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 2016-01-20 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: PA

Complaint narrative:
I want to get a perfect credit score so I want to know the credit bureaus ' formulas. I have a lower credit score because they wo n't tell me what the formula is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Invoice # XXXX from XXXX, Fl XXXX Date of service XX/XX/XXXX All XXXX bureaus are reporting this account as open. 
This account was paid off XX/XX/XXXX by credit card ending XXXX The address this statement was sent to was XXXX XXXX, Fl XXXX I have since moved, my new address is XXXX XXXX, FL XXXX Please help me with this so my correct information will be posted to my credit report. Each bureau states this account is being disputed. But none of them are showing the account as being paid. 
Thank You 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 2016-07-08 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 have disputed these tax liens reporting on my Transunion Report many different times because these XXXX tax liens do not belong to me. I have dispute letters to Transunion on XXXX XXXX, 2016, XXXX XXXX, 2016, XXXX XXXX & XXXX, 2016, and XXXX XXXX, 2016. I am tired of disputing this inaccurate reporting. I am asking for your assistance in getting this matter resolved and removed from my Transunion Credit File.

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 2015-05-28 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: NV

Complaint narrative:
On XXXX XXXX, 2015, I requested by phone, my free annual credit reports from all XXXX credit reporting agencies. It was indicated that it would take fifteen ( 15 ) days to receive my reports. As of today, I have only received XXXX ( XXXX ) report, which is from Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
There is a judgement from XXXX on my credit file. I never had a collection with XXXX. I contacted the civil court XXXX and provided the court docket number on the file. They had no record of the item. I disputed this with Trans Union and it remains on my file. There may have been some name similarity that put this on my file ... .but if the court does n't have it, how did it stay on the file after I disputed it?

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 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I filed bankruptcy and XXXX XXXX was left on my credit report an I had no balance and it lowered my 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 2016-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I initiated a dispute with advanced knowledge ( from the collector ) that the balance was incorrect on my credit report. It says the balance is {$14000.00} when in fact the balance is {$2700.00}. That represents a difference of {$11000.00}! Transunion reported that the collector verified I owed the incorrect amount and no change was made. I visited the collector in person, again, to be told they either do n't report until it 's all paid ( a statement I can prove false ), that they are n't the ones reporting at all ( also a false statement ), and they said they gave Transunion the updated amount on XXXX/XXXX/16 and XXXX/XXXX/16. 

I can not tell who is the dishonest party is here as a dispute I initiated with XXXX also resulted in it being verified with no change. When the collector admits the balance is wrong but that they may or may not report at all, or wo n't report at all until it 's paid even after receiving a dispute from CRA 's, or that they did update it, I 'm stuck having a massive amount of non-existent debt on my reports. Please note, I have sent follow up written demands for re-investigations to Transunion and XXXX along with documentation from the collector proving the balance is {$2700.00}.

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 2015-07-22 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:
Trans Union allowed XXXX to pull a hard credit inquiry without my permission. This was done by the XXXX store on XXXX XXXX in XXXX, SC. The store employee who did this was XXXX. After my credit was pulled, she tried to get this reversed. I want this credit pull to be removed from my credit report immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Trade line identified as XXXX appears on my credit report, however, the alleged original creditor has FAILED to supply proof of a debt. Additionally, I asked TransUnion to provide me with the 'Method of Verification ' for the disputed item, as attached - yet the trade line was somehow 'verified '. Since neither the data furnisher nor TransUnion can provide me with ANY proof that I signed a contract for debt, TransUnion needs to permanently delete this item as FCRA does NOT allow for unverified items to remain on consumer credit reports.

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 2016-02-28 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Clarity Services
State: TX

Complaint narrative:
On Monday XXXX XXXX, 2016, I received an alert from my credit monitoring company XXXX XXXX, informing me that XXXX credit reports were taken out on me today : XXXX from XXXX XXXX and XXXX from Clarity Services Inc. I set up a Credit Fraud Alert with XXXX on Monday, XXXX XXXX, 2016 immediately.I filed a complaint with CFPB about the XXXX XXXX incident ( Case number : XXXX ) and i got that one stopped. I learned from my XXXX Fraud agent on Wed, XXXX XXXX, that Clarity Services is a third party that pulled my credit report in response to an online loan application filed in my name with a company called XXXX XXXX. I have never heard of XXXX XXXX and did not make this application. I called XXXX XXXX directly ( XXXX ) and informed them that this was fraudulent. They told me that they would stop the loan process and send the application to their fraud department. Then, on XXXX XXXX I got another email alert from my credit reporting company telling me that Clarity Services had again pulled a second credit report on me. I do not know if Clarity Services once again did this for XXXX Loans or for a different entity. However, I have not applied for any loan or credit anywhere in XXXX or XXXX 2016 so any application now is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I got my credit report because I was thinking of purchasing a home for my mom, and when I got it I notice inaccurate accounts, I immediately filed a dispute with the XXXX major bureaus, XXXX XXXX and Trans Union. I listed the accounts I had a problem with. 
1XXXX- I explained that the account number they had on file was not my account number and my account was paid off through an insurance claim where the vehicle was totaled, I gave them my account number and the claim number of the settlement, the only agency that removed it was XXXX, the other XXXX have refused and has allowed the data furnisher to update it so it remains on my report till XXXX, this is an account that is almost 10 years old. 2.A collection agency by the name of XXXX same people I was in a car accident in XX/XX/XXXX, I sued the trucking company who hit us, I gave the hospitals name and their bill to my lawyer two weeks after accident, mailed in the bill with the insurance from the trucking company they still turned it over to a collection agency who then placed it on my credit all ( 3 ) on XX/XX/XXXX XXXX months after the accident I kept sending in the paperwork from my attorney and contacting them that an agreement was reached with the hospital and my attorney to pay upon settlement, no one listen it 's still there and when it was paid by my attorney in XXXX they updated it as paid but it was never suppose to be a collection, when an agreement was met between the parties to pay when the case was finalized. There are several other items that are being reported wrong on my credit report but I 'm tired and beat up from a constant battle for the last few months, against data furnishers that do n't report accurate information and the credit bureaus act like we consumers are always wrong and never look further into the issues, but allow this to go on. It seems as though consumers get the short end of the stick because we don'y pay for the service like the the creditors do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 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: FL

Complaint narrative:
I REQUEST MY FREE ANNUAL CREDIT REPORT FROM XXXX AND I PUT ALL MY INFORMATION AND AT THE FINAL STEP WHEN I DESIRE VIEW AND PRINT IT THE PAGE DID NOT GIVE NOTHING, I ENTER AGAIN AND THEY SAID ME THAT I ALREADY HAVE RECEIVED MY CREDIT REPORT AND NOW I SHOULD BE PAID FOR A COPY. 
PLEASE, HELP ME

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I used a credit monitoring service and my credit monitoring service informed me that a couple of months ago Transunion had an error in their systems and what happened was they deleted a bunch of inquiries from consumers credit reports and about a week later they reinserted those inquiries back onto those reports but they did not follow the proper procedures to do that. 
The following inquiries were deleted and reinserted Addresses Reported XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX Employment Data Reported : XXXX XXXX XXXX XXXX/XXXX/XXXX Adverse Accounts XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$390.00} XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$640.00} XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$730.00} XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$360.00} XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$290.00} I called TransUnion and Transunion gave me a file XXXX XXXX instead of deletion of inquires Section 611 of the fair credit reporting act states that anything deleted from credit report and reinserted needs a five-day notification after that item is reinserted and that did not happen. I was a victim of their inquiry issue and i want the above stated inquiries removed of 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 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was turned down to co-sign on an auto loan for my son because of false and inaccurate information that TransUnion put on my credit report. The turn down letter indicated that I was turned down for limited credit experience. TransUnion said time since last account opened is too short, length of time accounts have been established, and I had too many inquires. I have attached the turn down letter as well as my TransUnion credit report from XX/XX/XXXX. As you can see from the credit report I have a credit history that goes back to XX/XX/XXXX, it details XXXX accounts that consist of mortgages, car loans, and revolving credit accounts. NOT ONE PAYMENT on that report has even been LATE!! I have XXXX account opened in XX/XX/XXXX, XXXX were opened between XX/XX/XXXX - XX/XX/XXXX, and XXXX are from XX/XX/XXXX to present. Regarding inquiries - I had XXXX in XX/XX/XXXX and XXXX back in XX/XX/XXXX that related to the purchase of my most recent home. So, does their statement to XXXX saying that the length of time that my accounts have been established affects my credit score of XXXX, and my XXXX inquires in the last two years are too many?!?!?!?!? When I spoke to two people at TransUnion, they saw nothing wrong with any of their statements. I asked them if I should have been turned down for limited credit experience because of the obvious false and inaccurate statement that they made on my credit report and both of them kept saying well ma'am you do n't understand, it was based on the model that they chose. Regarding the length of time my accounts have been established is too short - my credit report goes back 22 years, how much more time do I need to not be considered TOO SHORT!!!!!!!!!!!! 
I can only imagine how many other people have this happen to them. This is totally unfair and inaccurate reporting according to the Fair Credit Reporting Act. This whole way of reporting looks like it need to be totally reworked so that the statements that the credit reporting agencies make on their reports to potential creditors is true and accurate based on the information contained in the report, no some computer " model '' that some XXXX wrote. Just a little personal information about myself, I am XXXX years old, have been on my job for 33 years, and actually opened my first credit account back in XX/XX/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 2017-03-06 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:
This item is OVER 7 YEARS, IT WAS REMOVED AND NOW BACK ON. How can your agency do this? This remark is violating my rights 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 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I do not now nor have I had an account with XXXX. This is a non existent invalid debt.

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