vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THIS ACCOUNT IS NOT PAST DUE. INVESTIGATION ARE NOT GETTING PROPERLY DONE I HAVE ATTACHED A LETTER FROM TRANUNION CLAIMING THEY VERIFIED ON WHICH IS INCORRECT. IT IS ALSO REPORTING LATE WHICH IT WAS NEVER LATE. I HAVE ALSO ATTACHED A SCREEN SHOT OF MY ACCOUNT AND ALSO A STATMENT OF THE CELTIC ACCOUNT I HAVE SUBMITTED MORE THAN 4 COMPLIANTS IT IS RIDICOULOUS THAT AFTER ALL THIS TIME IT IS STILL REPORTING INCORRECTLY.

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 2015-08-30 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 COURT XXXX FL. XXXX REFERENCE XXXX XXXX INFORMATION FOR LONG TIME I CALL THE COURT ABOUT A YEAR THEY THEY AGREED THAT IS NOT ME BUT NEVER CAME OF MY RECORDS

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

Complaint narrative:
I have not been with XXXX XXXX XXXX for 7 years. I moved XXXX for a long time and they were told to disconnect before I left. When I moved back XXXX, I tried to get it resolved with XXXX and thought it was .... that was about 5 years ago. The collection companies just keep renewing it. It needs to be exponged from my record ... nothing is due, and I have not had service with them for 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I CHECKED MY CREDIT REPORT YESTERDAY AND FOUND A XXXX CREDIT CARD ON MY ACCOUNT THAT HAD BEEN OPENED IN A DIFFERENT STATE, THATS NOT MINE OR MY ADDRESS. IT IS IN DELINQUENT STATUS AND HAS DROPPED MY CREDIT SCORE CONSIDERABLY. I HAVE NEVER HAD OR SIGNED UP FOR A XXXX CARD.

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 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint number XXXX. Federal Law states that the complaint be resolved in 30-days and/or extended only 15 days. 60-days is ILLEGAL. The investigation is being extended another 60-days which is illegal in violation of federal law, Tile 15 USC 1681i ( a ) ( B ) provides in relevant part : Extension of period to reinvestigate : Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
My credit report from Transunion have an account ( # XXXX ) from XXXX XXXX XXXX XXXX that does n't belong to me. I need this account to be removed from my credit report, its affecting my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a hard inquiry on my credit report from XXXX XXXX, 2014 that I DID NOT AUTHORIZE. I am a member of a number of credit unions in XXXX. WHY ON EARTH WOULD I ever ask for credit from some unknown, inconsequential, out of state auto financing? I WOULD NOT! My cars have been financed through XXXX, XXXX, and XXXX. I NEVER authorized a credit check to finance my car at some out of state, sounds like a used car lot agency! Please get this removed. Trans Union and XXXX. Thanks.

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 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX, XXXX and XXXX, XXXX have been misreporting to credit bureaus causing me a lot of credit damage - no housing loans, no credit increases, no new credit cards etc. Wrote to all parties concerned but no results as of writing this complaint. I have been writing to concerned parties for nearly a year but the credit providers would not give me documentation in support of alleged debt. Sent legal letters a couple of months ago and no response forthcoming.

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 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Creditor Contact DetailsXXXX XXXX enrolled me in auto-pay without my permission. They did not send emails or any other notice of payment due. The first notice was through email after my account was already 30 days late. This lowered my credit score significantly. 
XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 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: WA

Complaint narrative:
As I understand it, everyone is entitled to receive a free credit report once a year from each of the XXXX primary credit reporting agencies, XXXX, XXXX, and TransUnion. From the website XXXX, I was informed to go to www.annualcreditreport.com as the only authorized site to get the free report, which I did. In following the steps on that website, I got free reports from both XXXX and XXXX with no problems or hassles. However, when I went to the TransUnion link, TransUnion offered a free credit score and a credit report for {$1.00} provided I agreed to subscribe to their monthly credit monitoring service, on a 1 week free trial. If I wanted to cancel the subscription, I had one week to do so by contacting them and notifying them of my desire to cancel. That was the only option offered. Since I needed a report from each agency, I reluctantly agreed to the subscription with the intention of canceling as soon as I received the report. I neither needed nor wanted the credit monitoring subscription. After I agreed to their terms, I received the desired report ( which was very meager in comparison to the reports provided by the other XXXX agencies, I might add ). Once I received the report I had to spend about a half hour on-line trying to find a phone number through which I could cancel the subscription. I finally found one and cancelled the subscription. About a week later, I had to do the same thing for my spouse. Again, I had to agree to a subscription to TransUnion 's credit monitoring service to get the report. I did get the report, only this time I forgot to go back and cancel the subscription. About a week later, our bank account was charged {$19.00} for the monitoring service, which overdrew our account. Since the account was now overdrawn, another charge, which otherwise would have cleared, overdrew the account further resulting in an additional overdraft fee. So now, I had the unwanted charge for the monitoring service plus XXXX overdraft charges totaling an overdraft of {$73.00}. I contacted TransUnion and they finally agreed to cancel the XXXX subscription and refund the {$19.00}. Our bank has agreed to reimburse the XXXX overdraft fees, once TransUnion redeposits the {$19.00}. Failing to immediately cancel the monitoring service was admittedly my error. My complaint is : Why does someone have to go through all of this unnecessary hassle in order to get what is supposed to be a free credit report from TransUnion?!! Neither of the other XXXX agencies put you through that ordeal, why does TransUnion. They should just provide the free report, as the other agencies do, without contingencies requiring service subscriptions. This seems to me, unethical, unnecessary, and perhaps illegal.

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 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have included my initial dispute letter with transunion. In my letter i disputed several items and transunion did not investigate all of the incorrect information on my credit report. I also included my receipt of certified mail and i sent in the dispute letter. By law ( Fair Credit Reporting Act ) if they do not respond within 30 days then they have to delete the incorrect information and credit inquires that are on my credit report. They only investigated XXXX items and per my initial dispute letter I had XXXX items that are incorrect on my credit report and they only sent me a partial credit report. The best thing for TransUnion to do is to delete all XXXX items because again they did not do what they were suppose to do, Thanks

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 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2017, I reviewed my credit report with Transunion and noticed several accounts and inquiries were removed off my report. Not only were they added back on, they are reporting negative. I did not receive a notification of any kind that all of this was going. I called and spoke with XXXX supposedly the supervisor in the special handling department. She was very rude and determined that I fax in proof. I 'm in the process of repairing my credit to buy a home, and I can not afford them picking and playing with 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 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
After several phone calls and letters, requesting that they correct my address so I Can receive my free credit report with no success. I get the same run away. I have sent Mail Copies of Dl, power bill, SS card, cancel check. And still same thing ask me to send more. XXXX rep said there was no zip code on my power bill. Which you can Clearly see on the copy. Address and zip name ect ect

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX on XXXX/XXXX/2014 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had requested XXXX to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

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 — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Trans Union had a glitch in their system that violated the rights of their consumer under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be removed. 
1. XXXX Bank XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. 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 explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The name XXXX XXXX XXXX XXXX us not my name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TRANSUNION CREDIT REPORTING AGENCY HAS MADE AN ERROR IN REMOVING XXXX ACCOUNTS FROM MY TRANSUNION CREDIT FILE. THE FOLLOWING XXXX CREDIT ACCOUNTS : XXXX HAVE BEEN REMOVED WITHOUT AUTHORIZATION FROM CREDITOR. I HAVE VERIFIED WITH CREDITORS THAT ACCOUNTS ARE STILL ACTIVE AND BOTH HAVE A XXXX BALANCE WITH A XXXX CREDIT LIMIT THAT WERE BOTH OPENED IN XXXX OF 2012. THIS ACCOUNTS NEED TO BE FIXED AND ALL PAYMENT HISTORY AND ACCOUNT STATUS ON BOTH OF THESE ACCOUNTS NEED TO BE REPORTED BACK ONTO MY TRANSUNION CREDIT FILE. PER FCRA LAW, TRANSUNION IS REQUIRED TO PROVIDED ACCURATE CREDIT FILE INFORMATION.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On my credit report there is a judgement that needs to be closed and removed from my credit report from XXXX Bank XXXX, this is from when I filed bankruptcy and is still showing I owe XXXX dollars. The judgement for bankruptcy was granted and all debts cleared, but this is still appearing on all XXXX credit reports. 


CIVIL JUDGEMENT IN BANKRUPTCY CIRCUIT COURT XXXX $ 0XXXX XXXX XXXX XXXX XXXX {$3700.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 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:
The creditor filed on my report that I cosigned for a loan. I never cosigned for anyone. They provided Transunion a copy of the contract which show I was denied for a loan and never cosigned for anyone. All other credit agencies have removed the creditor ( XXXX ) and they have refuse to remove even when proof has been provided. I have submitted more that five disputes and they return an answer within 5 days stating its correct. I 've also filed a claim in court and added this item to my bankruptcy to have it cleared before the federal courts and informed Trans Union that it is my by chapter XXXX bankruptcy and they still continue to report the balance on my report while in bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has reported on two occasions within the last two months a collection account to all credit bureaus in my name in error. This reporting problem /error was cleared up in XX/XX/XXXX and was deleted by Stellar but was again reported as a collection account XX/XX/XXXX. This has caused my credit score to dropped, undue stress, countless hours of time spent on trying to get this resolved. Additionally, I was not notified that a collection item was reported. Only because I pay credit bureaus to monitor my account that I was alerted of the collection account. This is not fair to me and I am hopeful that XXXX procedures are reviewed so consumers like me are n't subject to this unfair, illegal and embarrassing practice. this has to stop -- -so damaging.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14 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: NJ

Complaint narrative:
I have tried to request my free annual credit report online from Transunion and they refuse to give it to me. I have called their XXXX number for the free annual report. There they tell me I have to wait 5 weeks to get a report if I request by phone. They want me to give them my phone number to complete the request, I do not wish to do so because I do not want SPAM calls from them. THis is unnacceptable I am in the process of buying a home and have a new collection account which, by law, I am supposed to be able to dispute. Their lack of response is causing me great distress. I dont have time to submit a dispute through the mail or wait 5 weeks for a credit report. Unacceptable.I find it disturbing that these companies get away with being incompetent and get away with it. even make XXXX on poor consumers and greatly affect their lives.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX This account was closed in XXXX of XXXX. 
1. The Pay Status is Inaccurate, it should be Paid/Closed and XXXX Balance - it appears OPEN, Current and as if I am paying as agreed. 
2. It was updated in XXXX, but should not have been possible - because - its closed and has no balance or activity. 
3. Is has Payment History Data for times, when the account had been CLOSED a. This account was opened in XXXX, and Closed in XXXX is showing 4. Is has Balance History Data for times, when the account had been CLOSED a. This account was opened in XXXX, and Closed in XXXX is showing b. Have erroneous comments, when this account has been closed for almost a year.

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 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have filed several complaints with XXXX, Transunion & XXXX in regards to information from a creditor in regards to some medical bills that I am not aware of from XXXX XXXX XXXX in XXXX, MI. I have filed several complaints with the creditor and credit bureaus with no success in having them removed. I have been doing the run around game with the credit bureaus since XXXX of XXXX and they refuse to fix the problem.

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