vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Previously deleted items were added onto my credit report without prior written notification. Per FRCA section 611 all items must be removed. 

Inquiries : XXXX XXXX XXXX/XXXX/14 XXXX XXXX XXXX/XXXX/14

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 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 'm writing this complaint because I have an account on my credit file that is not correct and should not be reporting. The collection agency XXXX XXXX is reporting an account for XXXX for the amount {$590.00}. I do not owe this amount to XXXX before leaving all accounts was paid in full. This account is reporting to be open in XX/XX/XXXX or XX/XX/XXXX, so this is why I do not have any receipt to show my XXXX balance because I was not aware they would just not in XX/XX/XXXX put this false information on my credit file. Please I 'm requesting this account be removed and I also have disputed this account multiple time with the credit bureaus and they are not doing a proper investigation. Just because they can verify information does not prove I owe any account balance. What I do not understand why they choose to wait until this year to report this inaccurate information. Also I have had this account deleted before from another collection agency. I file a complaint previous with all XXXX credit bureaus on XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have multiple inquiries on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquiries are still there. The credit bureaus said invalid dispute or verified inquiry.

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 2015-08-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Please see the enclosed XXXX statement for XX/XX/XXXX. My due date was XX/XX/XXXX and my account was paid on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XX/XX/XXXX. Therefore my bill was not late and please updates all credit reports with this information.

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 — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion file # XXXX, will not take off the paid in full account by the name of XXXX XXXX XXXX in the report dated XXXX/XXXX/15. Collection XXXX reports twice a month to TransUnion, and they refuse to remove the paid collection until XXXX XXXX 2015! This is unacceptable and violates FCRA laws! I reported these discrepancy in XXXX 2015. Now TransUnion continues to create damages to my credit integrity that leaves incorrect information and paid accounts on my report instead of taking it off my report in XXXX 2015 and having my credit scores raised for the months of XXXX and XXXX 2015. I demand that my credit scores are to be enhanced and rescored from the time the collection accounts were erroneous and incorrect information from the dates of XXXX/XXXX/14 with XXXX ( acct # XXXX ) to be reached at XXXX and XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ) to be reached at XXXX. XXXX XXXX XXXX told me they have reported this account paid in full " twice '' in the month of XXXX 2015 and TransUnion wo n't remove it off my credit profile so my credit scores will be raised higher for both the months of XXXX and XXXX of 2015 and moving forward.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 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 was at a casino, I left my bag behind and went back to get it and it was there, but my wallet was gone. Please investigate this right away. I am a victim of Identity Theft

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This is Ally Financial who call constantly call. It 's XXXX on Sunday and I 've received XXXX phone calls already. They either do n't answer when I pick up or hang up on me ( like they just did this 4th time calling ) or they finally talk and I advise them I have payments posted online to be drafted from my account to refer to their online system and stop harassing me. They still continue to call every day multiple times a day.

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 2017-03-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo has made negative credit entries against me, but will not give me access to the account. The account in question is my son 's student loan, of which I am a cosigner. I have repeatedly asked over the last several years for electronic access to the account. Their answer is that it is not something they offer now, but will in the future. 
When they have contacted me stating the account is delinquent, I contact my son and he says that it is current. Without access to the account, I have no idea who is telling the truth. Given Wells Fargo 's track record of scamming its customers, I tend to believe my son. 
These are the people that I have dealt with recently : XXXX., Research / Remediation Rep, Executive Office, Customer Experience Team XXXX, Research and Remediation Analyst, Executive Office, Customer Experience Team, XXXX at wellsfargo.com XXXX Research and Remediation Representative, Executive Office, Customer Experience Team

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 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I contacted TransUnion recently to dispute a trade line entry in the credit report TransUnion compiled in my name. In the dispute I indicated that XXXX XXXX billed me a fee ( note : at termination of the service ) and has failed to provide the details of the charges in spite of repeated written and verbal requests for the details. TransUnion indicated that the dispute would be investigated and a response provided within 30 days. TransUnion closed the investigation without addressing the substance of the dispute ; rather TransUnion performed a superficial inquiry of the original report by XXXX and ignored the context. As disturbing as this is, even more problematic is the fact that TransUnion allowed XXXX to submit this one-time entry of collection status in spite of a 10+ year solid, on-time payment history ( which XXXX did not report ) ; TransUnion facilitating this coercive behavior of XXXX in attempting to collect an unsubstantiated debt. TransUnion has also failed to provide the details of its " investigation '' in spite of my request. It seems unfathomable that a company holds so much power to impact a consumer 's financial health and takes such a reckless approach to a request to have the party that is filing the negative report prove the substance of its report. TransUnion 's recommendation to solve the issue - contact XXXX. If they had responded to my original request for the details of the charge, I would n't be here.. .Reckless!

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 2017-03-12 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:
Creditor XXXX. I never have XXXX as servicer, always have XXXX for several years. Never lived in XXXX, Florida. Never received any statement from XXXX just found through credit report that it 's for collection already. Hoping for your immediate follow up regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 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 been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I did not get a response and it 's been months. I just want these hard injuries off of my credit because I did n't try to open the accounts they have listed.

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

Complaint narrative:
I have contacted the credit bureau regarding the incorrect reporting of my XXXX account. There is also duplicate accounts listed on my credit report. I would like to have this information updated to reflect the most current information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 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:
On XXXX/XXXX/17 Transunion removed XXXX credit inquires from my credit report and then in XXXX/XXXX/17 they were added back to my credit file without notification, this is in violation of FCRA ACT. I have attempted to rectify the situation with Transunion directly and several representatives are unable to give me an answer. These are also companies I 've contacted Transunion about in the past and companies I 've contacted directed. Attached are the inquires and I want them removed permanently.

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 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
There is an address listed that I do not live at, have never lived at, and does not belong to me. Look below to see address in question. 

XXXX XXXX XXXX, TX 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 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I disputed inaccurate information on my credit report with XXXX companies ( XXXX and transunion ). XXXX got back to me within 1-2 weeks and removed the innacurate information. Transunion has not done the same and they did an inadequate investigation and I have further disputed it. I have submitted to them proof where XXXX has removed the innacurate information but transunion sent me a letter where they stated that they could not find my credit report. I have submitted to them all of my information including the file number. They are delaying and denying my claims and they are doing so in a criminal and fradulent manner. I have contacted them 2 times by phone and 2 times by fax and they refuse to resolve my complaint.

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 2017-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
I receive XXXX to XXXX phone calls from this company daily. My phone number is a business phone number. This is not my 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 explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Credit Reporting Agencies TransUnion is reporting a bankruptcy incorrectly. I have disputed it 3 times and they confimed that they verifed the information through the consumer. So I contacted the consumer which is the XXXX XXXX Clerk of Court and they indicated that they do NOT supply credit bureaus any information nor do they have any procedures for verifying information with the credit bureaus. I have attached a copy of the letter from the Clerk of Court below.

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 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The accounts listed below are reporting on my consumer credit report in error : Creditor : XXXX XXXX Referenced Account # XXXX Creditor : XXXX Referenced Account # XXXX Creditor : PUBLIC RECORD Referenced Account # 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 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In XX/XX/2012 my student loans were discharged due to XXXX. I have been following the information on my credit bureau. XXXX has it correct. Transunion and XXXX do not. I have sent information and proof that the account from XXXX is not correct. I have asked over and over to investigate this. All they do is take XXXX word for it. Do they not realize that XXXX can be wrong. Do the many lawsuits and class actions against XXXX have any meaning? My biggest issue is with Transunion. It is like talking to the wall. Nothing changes. Meanwhile, due to this incorrect information, I am unable to get a home, or car. When you are XXXX, waiting for 10 years for incorrect information to fall off is not an option. I may be dead before it comes off. I think the CFPB should realize this is a big problem and consider action against Transunion as well as 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 2017-04-05 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 am a victim of Transunion credit inquiries issue ; I spoke with a Transunion representative multiple times, offered to send a copy of my XXXX credit report for the past 6 months. 
The following credit inquiries are not mine : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is reporting incorrect facts regarding a Bankruptcy on my credit report. TransUnion maintains that they " verified that the Bankruptcy is accurate. '' I requested to see TransUnion 's method of verifying the Bankruptcy per FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) to include : a ) The name of the Courthouse, ( b ) the person 's name they verified the dispute with ( c ) the address ( d ) the telephone number and ( e ) the documentation used to verify the dispute. 
Per FCRA, credit reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information, not third party sources such as XXXX of XXXX XXXX. 
The Bankruptcy listing must be reported accurately FCRA, Section 609 a ( 2 ).

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 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with Transunion. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. I have NEVER attended the University XXXX XXXX .... Fraudulent student admissions practices.

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