vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have attached a letter of deletion from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I have previously sent to Transunion and yet the collection entry still exist on my credit report with them. Please remove the collection entry. I also am diputing the different variations of my name. I am only and have only been known as XXXX XXXX XXXX. Please delete the other variations. Also, I have never ever worked at XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: TX

Complaint narrative:
I purchased my first home in XXXX XXXX. 
My home was financed through Pacific Union. Payment was set at {$1700.00} per month. 
In XXXX I received a letter in the mail stating that I had an escrow deficit of {$10000.00}. I repeatedly asked Pacific Union why it took them 2 years to notify of the escrow deficit. To this day they have not been able to give me a straight answer. My mortgage payment increased to {$2900.00} per month. I asked if they could refinance my loan to bring it back to a payment i can afford. They immediately told me they could not help me until i paid the {$10000.00} escrow deficit. I proceeded to find another mortgage company. 
XXXX XXXX approved my loan application with the escrow deficit and proceeded to purchase the loan from Pacific Union. XXXX XXXX told me since they were buying my loan i would not have to pay the following month until the following month. At this time Pacific Union called me and stated they did not want to loose me as a customer and stated they would refinance my loan. I responded to them if they can get me back to a payment i can afford i would stay with them. Unfortunately, the XX/XX/XXXX payment with Pacific Union was late due to my original plan of moving forward with XXXX XXXX. Pacific did not call me or get back to me on the status of my loan. I called them repeatedly and was finally able to get a response from them in XX/XX/XXXX. They denied my refinance due to the late and stated they could not help. My payment has gone down from {$2900.00} to {$2400.00} since i have been paying the escrow deficit. 
I do not understand how a Mortgage company can treat a new home buyer as myself with such lack of care, sympathy, and professionalism. My only option at this point is to sell the very first home i purchased because i can not afford to continue paying over {$2000.00} a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Transunion has been historically reporting wrong information on my credit report. I have disputed the bankruptcy listed on my report. They have XXXX chapter XXXX listed on my file which is against the law to file so we know the reporting is incorrect. When I called and told the agent that was impossible to file XXXX bk in a 2 year period and I explained to them it was a chapter XXXX and the time had expired but since it 's reporting incorrectly is been on my records for an extra 2 years. When I explained this to a agent I was told they would investigate but the results were the same which says they did n't investigate the issue well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is reporting XXXX on my credit report enclosed this is not mine please remove it asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
There is a public record on my TransUnion credit report from " MINNESOTA FEDERAL COURT. '' There is no recorded judgment from this creditor. I have disputed in the past with TransUnion, and it has come back verified. I went on to request that TransUnion provide me with the method by which they verified this public record, and they have repeatedly failed to provide me with any such information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
CFPB Complaint XXXX/XXXX/2016 Credit reporting and investigation issues. 
This complaint is a direct result of the statements provided by XXXX XXXX with CFPB Case No : XXXX. The statements provided are of such low quality they are difficult, if not impossible to read ; therefore I am attaching their original response. 
I attempted to send the statements to TransUnion via fax but was informed by a TransUnion representative the statements provided by XXXX XXXX are not legible when printed or fax. 
I am attaching the statements and the letter, that were uploaded by XXXX XXXX to the CFPB complaint dated XXXX XXXX, 2016 signed by XXXX XXXX, stating the account is reporting correctly with the CRA 's with a balance of {$2500.00}. 
My current credit report of XXXX/XXXX/16 shows a high balance of {$1900.00} and/or the credit limit of {$1500.00}. This is incorrect. 

I have attached my current credit report, showing XXXX XXXX reporting inaccurate, along with the CFPB XXXX response from XXXX XXXX. 

Thank you for time and assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My address is incorrect it should beXXXX XXXX, wa XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 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 has fail to send me my report with results that I have been disputing containing wrong information since XX/XX/2017.

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 2015-07-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
A debt from XXXX that had been reported by XXXX XXXX collection agency for 7 years was sold to the Arcadia collection agency who now reports it as a new collection account from XXXX to the credit repositories XXXX and XXXX. Arcadia confirmed it was from XXXX verbally, but state the start date is now XXXX when they bought it. This is a re-aging of the account and not in compliance with the Fair Credit Reporting Act. I provided XXXX a copy of an old credit report that showed the same account from XXXX and they refuse to remove it without consent from their paying client Arcadia who plans to report a collection account for 15 years from the date of the collection and 8 years past the 7 year statute of limitation for collection accounts to be reported on a credit report. The debt was from when I was young and I understand they may be allowed to try to collect it, but they are not allowed to at this point break the law by re-aging the account and report the account as new again after it had already been reported on my credit already for over the 7 year limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was trying to get a loan form my credit union and there was a discrepancy on my age the birthday that TransUnion had on file of me is the date to my father. So my credit union could not give me a loan. Until the TransUnion report is corrected with the proper information. The date of birth is to my father with a similar name and not my DOB. 

I have had in the past had a credit card with XXXX XXXX 's that was n't mine and it was for a XXXX XXXX in XXXX XXXX, Texas. I had filed a police report back over 5 years ago and pointed out to the police that I never lived in XXXX XXXX and that I do not have an account with XXXX XXXX. But the following day when I went to complain about an account with them they told me it was all of a sudden paid off and that I do not have the right to get the address to the account. I had told the police that I believed it was my ex-wife but they had told me to leave her alone since she is a woman and a XXXX too at the time. So I left it alone.

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: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I can not get my free XXXX even though I send in the correct information. I have been denied. I tried by phone and the response to my information recorded was unlegible I could not understand the recording I had made and I was not able to get an agent or operator on the call. I Went online and was denied my XXXX and I am seeking information on how I can get this report from all three credit reporting company 's. By the free XXXX which I believed to be associated with the United States Government under Federal Government approval.

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 2015-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
transunion says my personal finance debt is - $ XXXX when in fact it is just - $ XXXX. Info provided XXXX.

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

Complaint narrative:
I have items on my credit report that are NOT mine and I would like them taken off! One of them is a Vet for a animal that is not mine! I do NOT own a dog but this XXXX vet says I owe them over {$2000.00} for something that is n't mine. Also there are medical bills on my credit for places I have not been or even went to a doctor for these issues! I just want them removed off my credit so I can be done with this misinformation!

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 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have evidence that an imposter stole my social security number. They have made several attempts to have duplicate credit cards belonging to myself sent to a fraudulent address. Therefore stealing my identity. I have reason to believe they may have obtained a copy of my credit report. The fraudulent address appearing on my TransUnion credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please respond.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23 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:
All my answer are None of the above but i can no see my credit report. I did n't live at XXXX ... never in XXXX The security of your information is our priority and it is of utmost importance. Please help us confirm your identity by providing answers to some questions below. 
1. Your credit file indicates you may have a retail card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX NONE OF THE ABOVE 2. Your credit file indicates you may have a bank card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX NONE OF THE ABOVE 3. Your credit file indicates you may have an auto loan/lease, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX NONE OF THE ABOVE 4. What is the total monthly payment for the above-referenced account? 
{$600.00} - {$640.00} {$650.00} - {$690.00} {$700.00} - {$740.00} {$750.00} - {$790.00} NONE OF THE ABOVE

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 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
TransUnion has an incorrect SSN on my file with them. As a XXXX, I do not have a US SSN, only an Individual Taxpayer Identification Number ( ITIN ). TransUnion has refused to remove the incorrect SSN ( which according to a " Special Message '' on my file with them belongs to someone who died in 1991 ). They have made me obtain a letter from Social Security Administration confirming that I do not have an SSN, and do not currently qualify for one ; I have obtained that letter and sent them a copy, yet they still will not remove the incorrect SSN from my file.

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 2016-04-26 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 XXXX XXXX account on credit report that is not mines. I have attached ID theft statement. this account was deleted and readied by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
All address ' listed except XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Are not mine

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 2016-06-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent a letter to Transunion. 
XXXX and XXXX have removed any reference to XXXX XXXX XXXX from my credit file. The certified communication was dated XXXX XXXX, 2016. As of this date TransunionXXXX has reference to XXXX XXXX XXXX on my file. I enclosed copies of my certified birth certificate, social security card and current driver 's license which indicates XXXX or XXXX XXXX AND NO MIDDLE INITIAL. Can you please help resolve this dispute? Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07 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: AR

Complaint narrative:
I have never been able to get my free annual credit report from TransUnion, but i was able to get annual free credit report of XXXX and XXXX until two or three years ago. I complained then, but cant remember what the response was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent updated information to all three of the credit bureaus with a returned letter updating the information to an inaccurate reporting. This is done intentionally by a insiders in the credit bureaus '. Please review the letter sent to all three credit bureaus ' requesting info be updated below.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wrote Transunion over a year ago telling them I agree with their investigation and to take accounts out of dispute. They did not and I now can not get a home loan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Inquires were removed and re added without notice or reasoning List all inquiry names and dates

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 2015-07-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
We had a lease with Ally Bank on a XX/XX/XXXX car. Beginning XX/XX/XXXX ended XXXX. The buy out on the contract was {$19000.00}. Per the bank the car XXXX is valued at {$28000.00}. When we tried to use the equity in the car for trade in on a new car. Ally told the dealer for them to take the car for trade they would have to pay $ XXXX..Becouse of that we could not use our equity in the purchase of a new car. Causing us financial damages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
A new po box was added to my report, & my address was removed from it, i live in XXXX i have no po box on 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 non-monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Bills from hospital are 0.00 for the 2012 year, it still shows up in the collection area.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed the XXXX student loans that XXXX XXXX XXXX claims that they own but it shows multiple owners on the paperwork I received and XXXX just sent the account over to collections law firm before giving me the validation of debt that I asked for back on XXXX/XXXX/16 and XXXX/XXXX/16 and I was told that I would have to settle the debt for XXXX %. I only received the validation of debt when it was sent to a collections law firm. XXXX XXXX has gotten into trouble just sending the loans over to a collection law form without doing a validation of debt per request. The loans need to be removed from my credit report, I have asked all XXXX credit reporting agencies to remove it but they never do. Per the FDPCA if a company fails to send me the validation of debt per request within 30 days, then the items must be removed from my credit report. XXXX never gave me those but sent the accounts to the collections law firm, this is ruining my credit. XXXX states they are the recordkeeper for XXXX XXXX XXXX but no way to talk to anyone at XXXX XXXX XXXX or for them to explain why XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are all on the paperwork. No clear owner of the loans, at first they had XXXX XXXX XXXX doing their dirty work. The credit bureaus must tell me how they could this loans still belong to me. The credit bureaus only seem to parrot what the companies tell them which is unfair and illegal. I have disputed the delinquent being on my credit report for several years now, I never signed any agreements with XXXX XXXX XXXX and they do not won my debt either, they are committing fraud against 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 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX account # XXXX I did not sign up for XXXX in XX/XX/2008. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.

Company response to consumer: Closed with explanation