vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Account Discovery Systems, LLC
State: ME

Complaint narrative:
This complaint is in regards to the XXXX XXXX, 2015 phone call the credit collection agency Account Discovery Systems ( ADS ), XXXX. XXXX XXXX, XXXX, XXXX XXXX by the name of XXXX ( XXXX ) XXXX made to an third party regarding my account they are collecting on. The original XXXX is XXXX, and original creditor account number being XXXX. 

I made an agreement with ADS XXXX XXXX to make payment of {$370.00} per month on this account. Since then, I have never been late or missed a payment. 

On XXXX XXXX XXXX from ADS placed a call to a third party in an attempt to get ahold of me to offer a settlement agreement. I received a text message from the person he called explaining XXXX from ( XXXX ) XXXX was looking for me. 

The voice mail message to the recipient identified my name. The number was viewed on caller ID by the recipient who went ahead and called the number to see who it was. The recipient was able to use caller ID to call the number ADS left on their caller ID identifying the call was from Account Discovery Systems and was an attempt to collect a debt under my name. Now that the recipient had my name, phone number and the reason for the call, they then proceeded to send me a text message informing me the debt collector Account Discovery Systems is looking for you. I called the number the recipient left for me and it identified ADS was placing the call and it was for the collection of a debt. 

After the text, I called the number the recipient text and asked for XXXX and inquired why he was calling a third party regarding my account. XXXX said that he called the number he had on file for my daughter and the reason for the call was because they could n't get ahold of me to offer a settlement on the account. 

My complaint regarding what I just described is Account Discovery Systems had no known right under the law to investigate my personal information in an attempt to contact me just to ask me for a settlement on a debt I am already paying as agreed on. Further, Account Discovery Systems has a valid address and phone number for me on file and could have made the offer to me directly. 

I request the Consumer Financial Bureau to investigate and provide me with any remedies available under the law regarding any potential violations of the law regarding ADS 's unnecessary call to the third party only to offer me a settlement agreement on an account that is being paid on time and as agreed, which in turn is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I disputed an item that Transunion had previously deleted from my account. I had a joint loan with my former husband initiated in XXXX on the property of XXXX XXXX XXXX, XXXX, MD XXXX. I went through a contested divorce and filed Chapter XXXX bankruptcy in XXXX. The loan was listed in the bankruptcy. It was XXXX mortgage. I was discharged on XXXX XXXX, XXXX. Case number XXXX. The mortgage was sold to XXXX XXXX XXXX. I disputed it with Transunion, number XXXX. By notice dated XXXX/XXXX/XXXX the item entitled " XXXX XXXX XXXX XXXX LP '' was deleted from my account. It is now back under the title of " XXXX '' I again disputed the account and Transunion sent me a notice dated XXXX/XXXX/XXXX # XXXX saying the account was verified, no change. I sent documentation to show I do not owe this loan. It is now impairing my credit and I can not qualify to purchase a place for my elderly mother to live. Obviously no one really investigated and paid no attention to the inception date or my discharge date.

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 2016-10-01 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 sent out certified letters XXXX XXXX, XXXX to each of these companies below to verify that it was in fact me who made these inquiries with verified proof. They neglected to respond and now you are at fault on reporting this unverifiable information. You are required by a Federal law to remove them from my credit report. 
Name of Company Date of Inquiry Type of Business XXXX XXXX. XXXX/XXXX/XXXX Automotive COMPASS BK I. XXXX/XXXX/XXXX Banking XXXX. XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record 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 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I 've made several attempts via written correspondence to TransUnion dated XXXX XXXX, XXXX and XXXX XXXX, XXXX via Certified Mail disputing the judgement by XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX who is supposed to be representing XXXX XXXX. In in my letter I 've been asking them to provide the original proper documents to verify and validate that the XXXX XXXX account had belonged to me however TransUnion had failed to properly respond to all of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I had a judgment against myself in the original amount of {$670.00}, through XXXX County Superior Court. Over time, this judgment incurred interest, in which I agreed to settle on a total amount of {$1700.00}, with a one time payment. This payment was made via XXXX XXXX Personal Check, No. XXXX, on XXXX/XXXX/15, in the amount of {$1700.00}. 

I never received a receipt from XXXX County Superior Court, so I do n't have one to furnish, but I have attached a copy of the payment. The rest of the information I have on the judgment is as follows : Payment Date : XXXX/XXXX/15 Check No. : XXXX Amount : {$1700.00} Bank : XXXX XXXX Address ID No. : XXXX - XXXX Identification No. : XXXX - XXXX XXXX ID No. : XXXX This judgment is showing up on both my XXXX and TransUnion Credit Report. Had I not have just started a XXXX XXXX, I would have never known about it. This is affecting myself and my family more so due to my Credit Score being affected by an estimated XXXX-XXXX points, while being in the middle of underwriting a Home Loan. 

I have submitted disputes with both XXXX and TransUnion, as well as submitted a compliant to the Washington State Attorney Generals Office, along with your Bureau. Please let me know if there 's anything I can do to help move this along as quickly as possible, the difference in Interest Rates will cost me thousands, upon thousands of dollars if I do n't get this taken care of. 

Thank you for your time, I appreciate your help. 

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 2015-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My identity got stolen

Company public response: Company 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 — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently wrote and sent out dispute letter, including copy of my credit reports, with my other documents. I 've notarized, and certified by mail sent to TransUnion Credit Bureau , Inc. three times. And I received investigation results letter by mail and TransUnion Credit Bureau , Inc. was refused to deleted inaccurate off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion, XXXX, and XXXX are reporting a judgement on my credit reports from the XXXX district court. This judgement is inaccurate and should be deleted from my credit reports. Please site me the law that requires credit reporting agencies to add this to my report. I did not request to have it added nor did the bank. There is no legitimate reason for this judgement to appear on my credit reports. I feel like I 'm being treated unfairly and abused by these credit agencies because they are severely damaging my chances of finding employment. I have been denied credit, bank accounts, housing, and employment because of this superfluous account on my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 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:
There are several inquiry 's on my report that are not mines. I have written and called all the companies and I am being told that they show nothing on me nor do they see any applications that have been applied for under my social security number. A few said they would send me out a letter stating such and the majority has told me or referred me back to the credit bureaus for removal. The credit bureaus have told me they can not removed inquiry 's without a deletion letter from the company or a police report stating I was a victim of identity theft.Just need to know what can be done to bring resolution to this matter for me.

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 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reviewed my transunion credit report today and noticed that there have been XXXX hard inquiries put onto my report. Some of these are from XXXX ( which should not be on being it 's XXXX XXXX XXXX ). The other one 's are from XXXX. I immediately called transunion and was told they ca n't remove hard inquiries that I need to contact them directly. I tried to contact them directly but have no phone numbers. I have not applied for credit in a few months now as I am trying to increase my score and having any inquiries will affect my score. I am submitting this complaint because I did not apply for any credit with any of these companies plus as I mentioned earlier some of them are from XXXX that were just put on today. This is unheard of and transunion will not help me.

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 2016-03-06 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:
TransUnion placed an adverse account on my credit report from a company called, " XXXX XXXX '' with partial account number XXXX on XXXX XXXX, 2008. This account should have never become adverse because I turned in a forbearance form that should have prevent this loan from ever defaulting. Since this account is scheduled to be removed soon anyway, I would like it deleted from my credit report. It would save me and XXXX XXXX a great deal of trouble. If this account is not removed asap I will have to seek legal counsel to get it deleted.

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 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I did not authorize a hard inquiry on my account by 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 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously inquired and made a complaint to the Consumer Financial Protection Bureau in regards to TransUnion deleting inquiries off my report and then putting them back this was over 30 days ago as I have recently checked my TransUnion report inquiries are still there and more or getting put back on I have not use my credit for anything and I have not had any inquiries through TransUnion that are mine I want all the inquiries removed as promised through my Consumer Financial Protection Bureau complaint prior

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 2015-06-01 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:
Filed Chapter XXXX on XX/XX/XXXX and This information is still reporting negative payment history on my Credit Report. I would like each item TO BE REMOVED FROM MY CREDIT REPORT : XXXX XXXX : Partial # XXXX Addr. Id # XXXX : Still reporting negative 30 day late from XX/XX/XXXX XXXX XXXX Partial # XXXX XXXX. Id # XXXX is still reporting negative 150 day delinquent as of XX/XX/XXXX. 
XXXX : partial # XXXX XXXX NK XXXX XXXX XXXX is still reporting open collection from XX/XX/XXXX on XX/XX/XXXX 
XXXX : partial # XXXX Addr Id XXXX is still reporting negative late XX/XX/XXXX 
XXXX BANK XXXX XXXX : partial # XXXX Addr Id XXXX is still reporting XXXX late from XX/XX/XXXX to XX/XX/XXXX negative late XXXX/XXXX/15. 
XXXX is still reporting 180 days past due from XXXX to XXXX. 
XXXX XXXX CARD : Partial # XXXX Addr. Id XXXX is not mine. 
I have contacted each creditor as well as each credit reporting agencies and have not been abIe to get this resolved. Can you please help me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is taking too long to clarify dispute results from accounts that have been closed but still have recent payment process, or due amounts.

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 2015-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SIERRA PACIFIC MORTGAGE
State: CA

Complaint narrative:
Sierra Pacific Mortgage refuses to adjust our loan payment to reflect actual taxes assessed. We have faxed their Escrow Department XXXX now with Tax information and they continue to ignore their mistake. 
They are projecting XXXX tax payments of {$2500.00}. The actual XXXX tax payment is {$1400.00}. 
This over payment is extremely burdensome on my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Wrong address listed on my Trans Union credit report. Never lived at XXXX XXXX in XXXX XXXX Michigan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Ally Financial bank has been calling me regarding my auto loan, they have been charging me many many fees, late fees, late charges, etc on my car loan. I have asked to have all loan fees in writing to me on several different occasions, XXXX, 2016, XXXX 2016, and XXXX 2016. They have not done so. They say they will, but they have never sent out anything in writing to me so I can review all the over charges I am accruing. They say it is on my statement which is not true. My statement only shows me the latest over fee, nothing more. I am tired of the rude and mean behavior on the phone, they have put my car in collections, refused to work with me on keeping my car and threatened me that " someone '' will come get my car from me. If they can not show an accounting of all the fees I have been charged, then I should not have to pay them, but they argue and are aggressive on the phone not allowing me to speak at all, and lying to me about how they will send all the overcharges out to me, but never do. I have paid off the car loan, I had to pay all of the fees to obtain my car because they refused to take any of them off at all. They would not even consider it, they treated me like I was a criminal, an ingrate, and were very rude and unfriendly. They have made thousands of dollars from this loan, but I am the one who has paid all the fees with no accounting from them. I want to know what I paid and if these fees were reasonable. They already charge a high rate of interest for the loan, it is unconscionable that I or anyone should have to succumb to their demeaning behaviors and horrible costumer service. They were not helpful nor did they want to be. All they want is for the consumer to pay without regard for any accounting of what we are paying, and treating us without regard to our rights as consumers. I will never bank with this bank ever again, and I think they need to be investigated for their fraudulent banking activities and aggressive and rude tactics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 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 logged on to XXXX and noticed that it said there are XXXX credit card accounts. XXXX is not mine. It is a XXXX XXXX XXXX card, opened XXXX XXXX, 2003 ( I would have been XXXX years old when this account opened ). It currently has over XXXX $ in debt and the address for this account is in XXXX XXXX, Texas. I 've never lived there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 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:
After filling application for XXXX, XXXX XXXX XXXX XXXX on XXXX, a Renter 's Report showed XXXX judgments against XXXX XXXX, who is not me. Both by XXXX XXXX XXXX, XXXX XXXX, CO. The XXXX filed XXXX case # XXXX and the XXXX filed XXXX case # XXXX both against the plaintiff, XXXX XXXX. Records will show I was living in my mortgaged home, XXXX XXXX XXXX XXXX XXXX, NV XXXX from XXXX to present and working at XXXX XXXX in XXXX XXXX from XXXX to present. I keep all of my pay check stubs including all from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. I am NOT the plaintiff XXXX XXXX, I have never even gone by that name. 
Please remove this inaccurate and erroneous information from this and other credit reports. 
Thank you, 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 2015-12-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been denied by housing authority because they say I have a eviction on my credit from last year I was never evicted I 'm currently still living on the property I was late on rent and had to XXXX dollars to the general session court..on my credit report it says paid..is there anyway I can get that off

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XXXX XXXX I checked my credit report and all of the inquires were deleted and i checked my credit report today and my score went 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 explanation
Consumer complaint received 2015-06-30 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: MO

Complaint narrative:
I requested my free annual credit report from transunion after requesting and receiving my credit reports from the other two only to be told that I had already requested and been given my transunion report. They told me I could buy one though .... I HAVE NOT already received this report. I always get them in XXXX 's, there is no reason I ever would have gotten just one, let alone the transunion report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This account has been disputed previously in regards to the Account Type ( charge card ). It not has a status of Paid - when it should be PAID and Closed. 

XXXX - XXXX XXXX. 

Please update the status to reflect its true closure, and where TU has added PAY HISTORY through to today -correct the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation