vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I looked at my credit and found a collections item on Transunion from XXXX XXXX XXXX. I asked for validation a week ago ands told It would be sent but they did not ask for my address. The credit reporting agencies have this up now as truth, and I knew nothing about this, The process was circumvented and Transunion is complacent in this. I want this investigated. The reporting agencies make it almost impossible to do business with them. I believe this was put on my credit report due to false information, I was not sent validation even after requested, I can not find the original creditor of this alleged debt, The company that placed this item on my reports does not hold a license in my state to operate as a collection agency.So in short this credit bureau has put and item in collections solely on the word of a company that has been accused of scamming consumers. This fact makes the agencies an accessory to the harm this is doing to my plans to refinance under HARP before 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 2015-05-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Madam or Sir, this is a complaint in regard to the XXXX companies providing credit reports/scores. 

www.annualcreditreport.comStatement says right under website headline : " The only source for your free credit reports. Authorized by Federal Law. " Complaint XXXX in regard to advertising on the website : Annual Credit Report is not the only source for a free credit report. Instead and like other companies, they provide the free credit report BUT charge the consumer additional money to see their credit score. There is no difference in regard to other companies providing this service. 
Complaint XXXX : Annual Credit Report claims to be authorized by Federal Law. There is no signed authorization by Federal Law that those XXXX companies can stand behind annualcreditreport.com as a monopoly. In addition, the foregoing and behavior is very much consumer unfriendly. 
Complaint XXXX : the credit report companies disclose different credit scores to consumers working with annualcreditreport.com than to lenders ( for example banks ), without notable or reasonable explanation to consumers. Usually the credit scores provides to lenders are lower than credit scores provided to consumers. Just to give you an example on how consumers feel in regard to the differences between consumer credit reports and credit reports disclosed to lenders ( feel free to check out the comments when scrolling down ) : XXXX the Best, XXXX XXXX XXXX not sure if the above short notes make any impact, but I think that I am not the only one who thinks that there is something MAJORLY wrong and needs adjustment on FEDERAL BASIS. Worth fighting for. 
Desired : - no credit score monopoly- absolutely NO credit score differences between credit scores information disclosed to and paid for by consumers, and credit scores disclosed to lenders.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Date : XXXX/XXXX/XXXX To Whom It May Concern : TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 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 sent a dispute letter to XXXX XXXX stating the account, they stated my letter did not specify if I was claiming the account as not mine or questioning validity of the account balance. Not true. I have expressed directly with the creditor that I had no knowledge of account from 2007 and requesting validation of the account, not the balance. I offered to pay in full to remove trade line, as the derogatory is harming my XXXX XXXX, even though I am not claiming ownership in exchange to remove from credit reports. The account does not belong to me please remove account from credit reports A fraud report has been submitted.

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 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX made an error in reporting amount owed All XXXX bureaus have not updated the info

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 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2008

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I submitted a dispute with Transunion because there was XXXX incorrect item left on my mortgage after a previous dispute and the other credit reporting agencies had recently deleted the file after they failed to fix all the incorrect data.It seemed insignificant but I was told it could cause red flags with the mortgage company underwriters. Instead of fixing the report or deleting this file. This agency re-reported previously removed data that had been verified by the creditor after an investigation by the Executive Response Unit. It did list payments as on time but in the written details it listed the payments as being 120 days late and shows reaffirmation in bankruptcy. I was unable to submit supporting documentation when I filed the dispute as the system would not allow me to submit it for some reason. I did not push the issue because I did not think they could re-report information that they had already verified as incorrect. I figured if the other credit reporting agencies deleted the file then this agency would also. We are losing out on getting a new mortgage and potentially losing a substantial amount of money due to inconsistencies in the data that is reported between the agencies and the time it takes to resolve these issues. 
I have attached the letter frim the creditor outlining numerous mistakes on my account. Most of which the dispute department does n't have or fails to provide to the reporting agencies. The triple report that I used to file the dispute and the recently updated report from Transunion

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 2016-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: GA

Complaint narrative:
My refi funded to payoff my current mortgage loan with Pacific Union Financial and I have an escrow and over-payment refund around {$9000.00} dollars. When I call Pacific Union today, they said it will take about 30 days before I will receive my funds. I asked why, and was told this is their policy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I do not understand why my score went from XXXX to XXXX with Transunion. It has the same exact information XXXX went up to XXXX. This disturbs me because I have paid everything on time and XXXX shows the same information as Transunion so Transunion score should not have gone down. Please, please fix this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 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: AZ

Complaint narrative:
On XXXX XXXX, 2015, I requested, and received, a free credit report from TransUnion on the basis of adverse action ( denial of credit ) that was taken against me. 

Today, on XXXX XXXX, 2015, I received notification of another denial of credit based on a TransUnion credit report, so I requested another free credit report from TransUnion on the basis of this denial. However, TransUnion refused to provide a new report, stating " You have already received your free Personal Credit Report from TransUnion ; therefore, you are not eligible to receive an additional report at this time. '' and attempting to sell me a credit report. 

The Fair Credit Reporting Act requires TransUnion to provide a free credit report upon request if I have had adverse action taken against me based on a credit report provided by them. It does not place any restrictions on the frequency of such requests -- a new adverse action can be the basis for a new request, no matter when the last request was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Glass Mountain Capital, LLC
State: CA

Complaint narrative:
I was contacted by an unknown number this morning, and when I answered I was informed that whoever was calling was looking for my father. They asked to speak with him but I was given no other information such as who was speaking or where they were calling from. Without knowing who I was speaking to, I did not disclose any information. Rather, I asked the caller to identify herself and after various attempts she finally gave me her name. I then asked her where she was calling from ( as in which company ) and she refused to answer. Instead she kept asking for my father. When I would n't disclose if I knew him or not she hung up on me. At this point I was curious as to who was calling soliciting information about my father so I called the number back and asked where I had called. The representative told me I was calling Glass Mountain Capital. I went online to see what this was and found out that it was a debt collector. 

My issue here is the fact that after various inquiries, the debt collector failed to disclose the fact that she was a debt collector. If I had n't called the number back, I never would have known it was an attempt to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : None Balance {$1000.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national 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 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a phone call from " XXXX '' from Trans Union. I asked her about a dispute that I placed in XXXX. It had been a while and I had n't heard anything from the dispute so I was trying to get an update. She would n't give me any information and she began asking me intrusive personal questions about my family, making criminal accusations that the negative items on my report might have been done by my family members. She stated that someone disputed items on my credit report in XX/XX/XXXX and they might 've been the same ones to have stolen my identity, but she would not give me information about the inquiries on my file as of today XX/XX/XXXX. Instead of being assisted I feel extremely violated and taken advantage of by this phone call. It was extremely disturbing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has incorrect information. THIS is not my ACCOUNT. 
ACCOUNT # XXXX XXXX THIS IS A INVALD COLLECTION ACCOUNT REPORTING ON TRANSUNION. THEY NEVER NOTIFIED ME OF THIS ACCOUNT PRIOR. THEY HAVE NOT PROVIDED PROOF THIS ACCOUNT BELONGS TO ME, AS WAS REQUESTED IN THE CERTIFIED LETTER SENT TO BOTH TRANSUNION AND XXXX. THIS WAS A IDENTITY THEFT CASE FROM 2010. TRANSUNION PLEASE REMOVE THE COLLECTION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I opened a joint-owner credit card with the XXXX XXXX XXXX XXXX in XXXX XXXX. I closed it in XXXX XXXX with a {$10000.00} Credit Limit in Pays As Agreed status. The closure was only reported to XXXX correctly. XXXX and TransUnion still report it as open with a {$2500.00} credit limit. I filed a dispute with both XXXX and TransUnion and XXXX came back with both credit limit as correct and the account is still open. When I called XXXX, they agreed the card was closed but refused to correct their mistake.

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: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a fraudulent account on my credit report From XXXX energy, that I have faxed police report to their fraud department Yet acct remains and hurting 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 non-monetary relief
Consumer complaint received 2015-12-03 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:
On or about XXXX XXXX XXXX, TransUnion has reported that I have an alleged {$11.00} unpaid amount owing to XXXX XXXX ( formerly known as XXXX ) -- from XXXX! My account status with XXXX is excellent. My account is current ( I am on the XXXX billing plan ) and has been current since at least XXXX or XXXX. 
This " {$11.00} balance '' has SEVERELY affected my TransUnion credit score : it lowed my score by XXXX points! 
Furthermore, I spent close to XXXX minutes on the phone with XXXX XXXX today, XXXX XXXX XXXX. The agent found NO instances of me owning them anything, even using past addresses and my social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Clarksville Mortgage Corporation
State: DC

Complaint narrative:
In 2006, my wife XXXX and I had refinanced our house located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. The application was done through Clarksville Mortgage, located in Clarksville Maryland. They completed an appraisal for the house valuing it at {$800000.00}. Since that time my wife and I have gone through many changes, including the birth of our XXXX daughter, and later our divorce. She maintains the residence with our kids, but we have not been able to refinance because the value is still too low. I believe that the appraisal was artificially inflated to make the numbers work and now we are stuck paying over 6.5 % for a first and 2nd mortgage totaling $ XXXX. XXXX XXXX bought and serviced the mortgages immediately in 2006 and put them in their portfolio, so it is ineligible for any government programs through XXXX or XXXX or XXXX. I have placed the complaint against XXXX XXXX originally, and they responded that it was Clarksville Mortgage that had originated the loans, so they should also handle the complaint. The complaint number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Balance for XXXX Account # XXXX incorrectly display account details and % rate details.

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 2016-06-26 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. Someone stole my personal information and identity. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. All the inquiries on my credit report are unauthorized and fraudulent.

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 2015-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Ad Astra Recovery Services is repeatedly contacting me to collect a debt owed by " XXXX XXXX ''. I have informed Ad Astra Recovery Services that I am not " XXXX XXXX '', and that I do not know " XXXX XXXX '', but they continue to leave messages on my XXXX XXXX account.

Company response to consumer: Closed with explanation