vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-23 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 SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX v. XXXX and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS 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 explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have never had service from XXXX. I do not owe them anything because I did not have service. I also should not have a negative mark for XXXX. I have made three payments to them in attempt to settle the debt. Please dispute these XXXX items against me? Thank you.

Company public response: Company chooses not to provide a public response
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: AL

Complaint narrative:
The account listed as an open collections account listed under XXXX AD in the amount of {$860.00} is incorrect. This account should have never been placed in collections to start with. Also, it was disputed in XX/XX/XXXX 2014 and to be removed at that time. As you can clearly see from the attached documentation, I do not, nor have I ever owed this money. My health insurance plan at the time offered a {$1000.00} PPO discount with XXXX XXXX XXXX XXXX original creditor ). This left me a balance of {$320.00}. I was told XXXX that I only needed to pay {$300.00}. My cancelled check is attached as well. Please remove this account from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: PA

Complaint narrative:
Please see CFPB case # XXXX - I am submitting this complainT today to show that Dovenmuehle Mortgage company made charges to me based on fraudulent documents - Please find attached documents submitted by Dovenmuehle stating that I agreed during closing to pay for inspection fees - and they have provided fraudulent signatures - my father XXXX XXXX XXXX was never a party to sign anything - NO CLOSING took place, only an assumption/transfer of the mortgage for {$30.00} paid by XXXX XXXX XXXX - Please note on Dovenmuehle 's fraudulent documents, there is white-out on the copy which voids documents - XXXX XXXX ( XXXX ) XXXX the XXXX are signed differently. There are XXXX different dates on the fraudulent document with the signatures XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - Please look at notary seal - there is white out and the date is unclear. I have attached the True documents from XXXX, Pa Records department showing the deed was between XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX ONLY - NO transfer tax was due only a cash {$30.00} paid for recording. I know I never signed this fraudulent document where XXXX or Dovenmuehle can claim I agreed to inspection fees - yes my account was late and due only ordinary late fees but my account was current. Please investigate further - if these documents appeared out of the blue for me in favor of the mortgage company making excessive charges they are also being attached to other mortgagees. Please investigate. These fees I NEVER agreed to I NEVER had a CLOSING - I assumed my siblings old mortgage NEVER signing anything new I NEVER NEEDED another refinance or loan modification - NEVER ANY NEED for me or my PARENTS TO SIGN THIS FRAUDULENT DOCUMENT. Also, please note, I have attached a copy of my XXXX XXXX form provided by XXXX XXXX - XXXX XXXX XXXX ( XXXX ) XXXX is not listed..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting validation of a judgement recorded on my report under the company name of ; XXXX XXXX. The judgement was filed with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. I have recently had my credit report investigated for a removal of a judgment that did not belong to me. 
The FTC outlines the contents of the letter that you should receive : How much you oweWho you oweStatement giving you 30 days to dispute the debtStatement that, if you dispute the debt in the given 30 day time frame, the collector will mail you the verification of the debt or a copy of the judgement against youStatement that the collector will provide the name and address of the original creditor ( if different from the current creditor ) if you write a request for that within 30 daysNote : If you dispute the debt within 30 days, the debt collector must cease attempts to collect until they 've mailed you verification of the debt or a copy of the judgement to you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello! 
My SSN is : ***********I have disputed repeatedly with XXXX bank, the history regarding my charge-off. They are still reporting it showing past due {$1100.00}, even though it is a charge off. I have been told this is incorrect, ad they will not remove past due status. 

In addition, there is an item with XXXX XXXX XXXX, regarding a vehicle that I had voluntarily reposessed. The item in question is not showing a proper balance charged off I owed over {$4000.00} on this vehicle and was only given credit of just over {$1000.00} when they sold it. Extremely unfair practices, and this was not explained properly when the vehicle was reposessed.. 
In addition, there is an item for XXXX which is incorrect. I have been harassed repeatedly by XXXX very nasty collection agencies. I am being charged for equipment I returned and amount is completely incorrect. I do not owe this money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 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:
XXXX account was used last in XXXX XXXX. According to FRCA rules and Bankruptcy rules, these XXXX XXXX accounts would be have been deleted XXXX. Yet Trans Union consistently using this information and deliberately hurting my credit score. 
XXXX XXXX Accounts were not late at all. It was switched from one program to another program. Yet Trans Union consistently using this information and deliberately hurting my credit score. 
Address is wrong. They can not get the address correct after writing 20 times. The correct address is XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, CA XXXX. 
I have mailed many times to Trans Union to correct these errors. Trans Union is harassing me and deliberately hurting my credit score without verifying information per FRCA law and putting back deleted information again and again. 
I need corrected 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 2016-06-15 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: GA

Complaint narrative:
I have a major issue with Transunion. I pulled my credit report and score on their website on XXXX XXXX, and the score was XXXX I pulled it again on XXXX XXXX, and the score was XXXX. The reason I have the complaint it because literally nothing changed on my credit report in that 24 hour period. Everything was exactly the same. I tried to call them and all they would say is that they do not know why the score dropped. I could get nowhere with them. I am trying to buy a house and have been on top of my credit for over 2 years paying on time, etc and my score continues to drop with them for no known reason. Instead of going up when I pay down debt it goes down.

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 2016-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please see the attached documents. I am requesting that these items be removed from my credit report as they are a part of a pending litigation, which I do not wish to involve additional parties in for willful non-compliance.

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 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have requested the following company information be changed due to inaccurate information on my credit report. I have filed disputes and nothing has changed. I also sent documents proving my dispute and nothing has changed. 

I am asking, the following companies removed from my credit report due to consistent inaccurate information. XXXX closed my account after we had an agreement, which once I received a job, I would pay what I owe. We spoke on the phone a few times and after I made my payment, XXXX then closed my account. This has negatively affected my credit. XXXX XXXX made an error, which I notice now, it is negatively affecting me and would like for this to be removed from my credit report account status. I am also asking XXXX, XXXX XXXX be removed from my credit score due to inaccurate account status information. I have requested the information be changed and nothing has been 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 non-monetary relief
Consumer complaint received 2016-03-23 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 used my s.s. number without my authority and did a hard credit check, and I did not know about it until I got a credit alert from credit karma. And I wish to have the hard credit check 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 2017-03-01 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:
I have disputed these medical bills they are fraudulent I have full coverage medical insurance from XXXX and before that my job gave me insurance .I have asked this company XXXX to give to me the original signed documents also i have ask the credit companies transunion for my signature on these documents, they have had months to show me the original documents they have not done it.I have this right. Or they need to take these off my credit report .this is a scam collection agency account resolution services they never provide original signed documents.

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 2015-06-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
my car is financed threw ALLY, back in XXXX XXXX i asked for a extension on my car payment, I never received it until XXXX XXXX threw this happening my car payment was late but it was still paid. I am asking for the late actions to be taken off my credit report so I can buy a house, so my credit score will raise by up. Thank You! 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 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I beilve I have been impacted by the hard inquiry glitch issue that has been affecting transunion, I have made numerous attempts to have these inquiry 's removed from my report as to I have not inquiried for the credit there stating I did, I have no gave my consent for these company 's to inquire credit on my report, I have listed below the inquiry 's that were fraudulently placed on my credit file XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX CBNA/sears. 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 2015-09-03 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:
I bought a new car financed through a XXXX dealership. I did not give them permission to send my information out to loan agencies. Now I have XXXX hard inquiries on my credit report. I do n't even know who these loan agencies are. My score has dropped and I want these inquires removed. I never asked these people for a loan.

Company public response: Company 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: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had a loan with XXXX XXXX XXXX XXXX. I paid the loan in full, earlier than the original pay-off date. I asked Transition to update my file to reflect the loan as " paid ''. Instead they deleted the entire tradeline. Clearly, no proper investigation was conducted and I lost a positive trade-in.

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 2016-11-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously deleted the following inquiries on my credit report and TransUnion has failed to provide me with an update and or remove the inquiries. The investigation has been longer than 30 days. 

The following inquiries are inquiries that I am deleting as a result of identity theft : 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/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX I 've contacted each and every company and they ca n't tell why or how my credit was run. They advised that I dispute the information with the credit bureaus which I have done several times with TransUnion. If they ca n't validate the information for me and ca n't tell me why it was run then TransUnion must not be doing an investigation on these inquiries as I am requesting.

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 2015-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit report is showing I am in collections both for XXXX XXXX and XXXX to an address in XXXX MA. The problem is I have never been a subscriber to XXXX and I have never lived outside of XXXX, MA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
A significant discrepancy in remaining tax liability, state accounting incorrect and was disputed over a lengthy time period. Once an agreement was achieved we could move forward. Lein has been released and is required by law to be updated to reflect accurate status.

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 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX on TransUnion report inaccurate. 
I do not owe XXXX ; Nor ever did.

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 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I rented an apartment to XXXX XXXX managed by XXXX XXXX. XXXX XXXX sent me a bill stating that I owed {$54.00} for a gas bill. I showed them a letter from XXXX XXXX that I did not owe them anything. XXXX XXXX letter stated that I 've been paying my utility bill to them since I 've established it before I moved in. I continued to pay my rent and the management company continued to send me letters stating I owed them money. The management company started of with saying I owed {$54.00} and continued to increase it to {$6000.00}. The management company filed a suit against me for none payment in XXXX 2014. I was not properly notified and filed a motion against them. In XXXX 2014, my case was heard in front of the XXXX Circuit judge. The management nor their attorney showed for the hearing. The judge dropped the charges. Upon, recent review of my credit report, I noticed the management company sent {$9000.00} debt to a collection agency. I had the state 's attorney 's office investigate. XXXX XXXX stated that my bill for the gas bill has increased to that amount. I disputed it stating that a hearing was held in XXXX 2014 and was thrown out by the judge. This company has illegally placed a debt on my credit report that is not mine, they did not notify me nor did they try to dispute it again in court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I applied for an apartment at XXXX XXXX Apartments in XXXX on XXXX XXXX, 2014 and had to pay XXXX dollars applications fee to run a consumer credit report to include criminal background check to check if I had any felonies. XXXX XXXX conducted the investigation utilizing information that was provided by XXXX XXXX. XXXX XXXX provided the information to the leasing office at XXXX XXXX Apartments that led to me being denied. I asked why I was denied was told that it was because of a felony on my criminal background report. I lost my XXXX and did not get the apartment. I asked for a copy of the information from the background check and discovered that the information that was reported was past the 7 years from my last criminal disposition which is a violation of XXXX XXXX ( XXXX ) ( e ) - Reporting of information prohibited No consumer reporting agency shall make any consumer report containing any of the following items of information : ( e ) Records of arrest, indictment or conviction of a crime that, from the date of disposition, release, or parole, predate the report by more than seven years. Exception : If the salary of an individual equals or is reasonable expected to equal {$75000.00} or more, the 7-year restriction does not apply.

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