vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed reported late payments from child support office to Transunion. The late payments were taken off my credit report by Transunion on XXXX XXXX, 2016 and told me their investigation was complete and items were removed from credit report. However, on XXXX XXXX, 2016 they added these late payments back to my credit report and are telling me these late payments are reporting correctly. I have called the Office of the attorney General and they told me that they have not reported anything to Transunion after the resolution date of XXXX XXXX 2016 removing late payments from credit. 
If The OAG did n't report anything after XXXX XXXX, 2016 how is Transunion saying this is reporting correctly and add it back to 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 2016-08-12 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:
I am forwarding this correspondence to request an independent investigation regarding the latest investigation I requested regarding my account with XXXX XXXX. There were numerous inaccuracies reported. 

First, the TransUnion reports that I had paid late consecutively from XX/XX/XXXX until XX/XX/XXXX. This is false. As this vehicle is a lease, paying late those many times would 've caused XXXX XXXX to repossess the vehicle. This did not happen. Furthermore, the payments reports for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as being late are also incorrect. The original payment date at the time of the origination of the lease was changed to a later date in the month during the course of the lease. 
Likewise, after this investigation was completed on XXXX/XXXX/XXXX, I watched my score plummet nearly XXXX points after the request of the investigation. It is unclear how this investigation would cause my score to change. Also, inaccurately reported is the status of this account. This account is NOT CLOSED. The lease is open and active, per the XXXX XXXX online site. The lease is not due for completion until XXXX/XXXX/XXXX. 
Subsequently, I have enclosed the payment history for this file as well as the status of the file from XXXX XXXX indicating that the file is STILL OPEN and CURRENT. I request that all inaccuracies be deleted from my credit report and history and that my score be restored the XXXX points that were decreased as a result of this investigation. An investigation into the accuracy of information on your report should not be penalized in the way my report and score has. My current standing with XXXX XXXX on this account is paid/open and in good standing.

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: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: TX

Complaint narrative:
XXXX 2014 I refinanced my VA loan with a VA IRRRL with Pacific Union Financial - however instead of my interest rate going down it went up. The lender then discovered they could not insure the loan with VA, so the made me refinance, although they fired me XXXX 2014. They could not refinance me until XXXX, so they held the loan in their portfolio - and made us pay the higher interest for those 8 mos. In XXXX they paid my escrow from the old loan, collected escrow funds on the HUD and I 've been paying monthly escrow. My current escrow balance is over {$10000.00} ( my RE taxes are only {$6500.00} annually ). The escrow balance from the old loan was applied to new loan.. and I can not get Pacific Union to release the extra funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
There are XXXX inquiries on my credit report from XXXX that shows opened. They have been taking care of as of 2011 and need to be shown closed 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 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX has reported a current bankruptcy on my credit report. I filed bankruptcy in XXXX of 2003. It was a Chapter XXXX and should have been cleared from our credit history after XXXX years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My XXXX XXXX Credit card was stolen. I contacted XXXX XXXX and they sent me a replacement card two weeks later. So, the account was not eliminated or removed, it was simply replaced by another Credit Card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 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 have sent Transunion dispute letters and Fraud Affidavit informing them that I was a victim of identity them. Someone use my information without my knowledge. I have disputed this claim many times with Transunion. They have stated that XXXX XXXX XXXX has verified this information. Which is ironic because I ca n't get them to send me any information with regards to this account. This account is not mine so I will like for Transunion to remove this information from my credit 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 explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I 've never lived in XXXX Indiana.. This is my x wife.. I 'd like to have removed from my accounts

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 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I received a written letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX regarding an account. The written letter offered the option of " 1 payment of {$640.00} '' after which my account would be considered " Satisfied in Full '' once the payment is successfully posted. ( Please see attached letter ) I paid the {$640.00} ( please see attached section bank statement noting payment to XXXX XXXX ). XXXX XXXX now reports my account as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '', with a reported balance still owing of {$1100.00}. The original balance reported was {$1800.00} -- XXXX XXXX XXXX has simply reduced the balance by the payment of {$640.00}, rather than updating the account to " Settled in Full '', as promised in writing. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " Settled in Full ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently applied for a mortgage refinance with XXXX XXXX Loans. The credit score reported by Transunion to XXXX XXXX Loans was XXXX. The credit score reported by Equifax was XXXX. My credit scores reported by Transunion through XXXX XXXX was XXXX and XXXX by Equifax. I understand that fines were levied by your agency just last week for this practice of reporting XXXX different credit scores to lenders and consumers and I would like these companies to cease this practice immediately and provide an explanation as to their continued violation of this forbidden practice.

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 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a complaint against TransUnion for listing a business-related debt on my personal credit report within the last two years. I submitted proof that the debt was a un-guaranteed business debt. In response, TransUnion removed the debt. In a report that I received today, the debt re-appears.

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 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is not responding to my requests to investigate and remove accounts from my credit file that were opened fraudulently.

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 2016-03-24 00:00:00
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
A payment was made on XXXX XXXX 2015 for XXXX due payment ( payment made early ) the payment was not credited for XXXX resulting in their reporting and accounting of late payment fees, credit report of late fees etc., the company Ally Financial refuses to correct the account.and all payments made after that date have been based on wrong accounting of the payment which was made in XXXX XXXX, 2015 and received by them.

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 2015-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion failed to conduct an accurate investigation of my complaint. My credit report still list XXXX XXXX as an open collection account. There are a XXXX of things that are in correct here. This is NOT the first time I 'm disputing this woth Transunion. Generally I get a generic response that they investigated. Yet I get no details as to how it was done and who they spoke to. 

1. XXXX is trying to collect on a XXXX account that have been paid off. 
2. XXXX is a collection company. The status of the XXXX account should not be " open ''. An " open account '' that is in collection is a different from an account that has been sold to XXXX as a collection. 
Please see attachment for a visual as to how it 's currently shown on my report.

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: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
on XX/XX/XXXX we paid our regular mtg when we did evidently the teller ran the pymt wrong left out our credit life ins noticed the error when received our monthly statement contacted us bank at XXXX said was ran towards principal put in work order XX/XX/XXXX talked to a XXXX on XX/XX/XXXX went I XXXX branch to pay XX/XX/XXXX pymt asked teller if error was corrected said talk to XXXX she called mtg department they stated they had ra n it towards interest this time ran twice wrong making pyt appear late and more than then accuatall due ex pymt {$580.00} plus XXXX equal {$620.00} ast due asked for copy of all transactions to be sent to me on XX/XX/XXXX as of XXXX nothing has been received.XXXX at XXXX branch said another work order would be sent in making XXXX work orders for the same problem making us owe more after we paid the pymt than before the pymt was due. 

problem number 2 received letter dated XX/XX/XXXX received XX/XX/XXXX from us bank stating they had reviewed our acct russ consultating phone number XXXX issued a credit tour account on XX/XX/XXXX toward principal for reremediation harm received a XXXX amt of int of XXXX amt applied was XXXX problem never notified in beginning this amt had been added to our acct called XXXX XX/XX/XXXX stated it was for invoices for qualtity assurance as thirdparty for us bank problem 3 have received XXXX different mortage with different interest and different balances last one recived on XX/XX/XXXX withn yet another different interst amount and different balance on acct if you take the previous mortage interest statement it is the difference of {$440.00} which is the balce credited on XX/XX/XXXX added back on to our acct

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 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:
It has to do with a hospital payment of over {$1200.00} I should not owe. I XXXX back when I was in XXXX school. I know my parents did not finish paying the bill. Once I turned XXXX I am assuming the responsibility was moved from my parents to me but why should I be charged {$1200.00}? I found out was I tried to obtain a credit card but was denied to many times. As a current college student, this has affected me greatly! I should not have to owe anything but the worst part is that now only could I not get a credit card but my dad 's credit was also ruined. Basically, this has affected both of us and why should I be affected when I did not do anything wrong. My dad agrees this should have only affected him and not me in anyway and wants to remove that bill from me and move it towards his account. I want this bill to be removed as fast as possible because it is crucial for me right now to be able to obtain a credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 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:
Trans union I spoke to a rep. regarding my file and fraudulent inquires and bankruptcy that is listed on my file today. I was told that they have not received no documents from me. I have sent Trans union my identity theft police report three times along with my ID and other documentation regarding my disputes. Certified letters via US POSTAL SERVICE ( tracking # XXXX. And once by regular mail. I also called in the last three months disputing my credit file with a fraud specialist, only to receive the same results no bankruptcy or inquires removed, with a statement verified its yours contact the creditor directly to resolve. I have contacted these companies, their response to my letters all states, I had apply for an account online AND WE WILL NOT REMOVE THE INQUIRE. I sent letters the court house were the Bankruptcy located, no reponse. I have also opt out from any and all promotional inquires last year with Transunion. I noticed that XXXX inquire was just pulled on XXXX/XXXX/2016. I have filed a identity theft report with FTC.gov. I have place fraud alerts on all my credit files.

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 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
To whom it may concern, XXXX XXXX, 2016 Transunion has false information on my credit report! There 's a inquiry on my credit report from XXXX! Dated XXXX XXXX, 2016. Which was on a Sunday! I never left my home, nor did I not attempt any service from XXXX! I never was a customer of XXXX. I never tried to, n never will try to open Any account with sprint! How on EARTH DID XXXX GET MY INFORMATION WITHOUT MY KNOWLEDGE!? PLEASE REMOVE IT FROM MY CREDIT REPORT! I NEVER APPLIED FOR ANYTHING WITH THEM! 
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 2015-03-24 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:
To Whom It May Concern, In XXXX, I wrote a formal letter to the XXXX main credit bureaus XXXX, Transunion and XXXX requesting them to close an investigation for disputed items on my credit. I requested them to remove the " DISPUTE REMARKS '' from my credit report since the investigation has taken over 90 days. 

I am attaching a copy of my credit report, SSN card and a copy of my driver 's license for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a tax lien that was paid off BEFORE it was put on 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 non-monetary relief
Consumer complaint received 2016-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I get a legal circuit court on my credit report without any detail of the company name or a date of this debt.

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 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
My complaint lies more with XXXX who never sent me a notice that a bill was due. They sold their information that was inaccurate to a debt collector XXXX. I did not find out until XXXX 2016 that XXXX was requesting a payment from me from the debt collector. I called XXXX and discussed what occured on the account with me canceling service and transferring service from my old employer to me. They informed me that it would be taking care of since it was XXXX error. They gave me a reference number XXXX along with the employee name. I asked if they were going to contact XXXX and make sure this was not reported on my credit bureau. XXXX indicated not to worry about it they would get it corrected and recall it from the collection company. I received notification in XXXX that a collection had been reported to my bureau in XXXX 2016. I contacted XXXX and spent 2 hours explaining what occured again! I was in the process of getting a HELOC and business loan this dropped my score over XXXX points. I had to postpone XXXX due to the drop in my credit score. All due to XXXX miskake!! They never sent a notice to my residence or tried to get a hold of me before sending it to a collection company. They claimed they sent the notice to my employers billing address. This could of been avoided if they would of called or sent a notice to the service address on record. XXXX billed me in error due to their employees mistake and even continued to do so after telling me they would correct the information in XXXX of 2016 giving me a reference number. They have informed me that I need to contact XXXX to discuss obtaining a letter and getting it removed. This is the worst experience I have ever had with a company and they do n't seem to care about the issues this has caused me personally due to their incompetence.

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