vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-29 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 have filed three requests with Trans Union requesting that they remove incorrect information from my credit profile. They refuse to do so.

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 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are XXXX state tax liens that are reporting on my credit report. XXXX is from XXXX County Court XXXXin the amount of {$44000.00}. Another tax lien is from XXXX County Court Recorder # XXXX in the amount of {$42000.00} and recently updated to show {$42000.00}. As of XXXX/XXXX/2016 both state liens are fully Paid. 
However, TransUnion is still reporting with a balance due on both accounts. According to FCRA 609 ( a ) ( 1 ) ( a ) and FCRA 1681 ( a ) if after a reinvestigation is completed and the information remains inaccurate, the item ( s ) are to be deleted from credit file if reporting inaccurate.Currently is showing a balance for these tax liens that are identical. It appears on my credit file as XXXX separate tax liens when in fact it 's has always been XXXX state tax lien. 
I 've disputed several times and these tax liens still appears. On my credit file. It 's preventing me from proving a home for my family and getting a job promotion.

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 2016-07-26 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 : XXXX Balance {$240.00} Dear XXXX, 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 XXXX, 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 XXXX, the Federal Trade Commission and the 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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Contacted Supv XXXX XXXX and requested deletion of outdated account XXXX XXXX # XXXX. The creditor XXXX is re-aging the FCRA compliance 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 non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX has my credit report as derogatory, yet the car was paid off, the last XXXX, via chapter XXXX and I then paid the last XXXX in XXXX bulk payment. Should the report state paid in full. It looks as if it was not paid off by me. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: NY

Complaint narrative:
the reverse mortgage lender ( reverse mortgage solutions inc ) provides a procedure for the struggling homeowners to short-sale their property. ( short-sale letter exh XXXX ) stating that " Once the process begins, an associate will review your application and contact you within 5 business days to discuss next steps. '' FHA 's parent agency, the U.S. Department of Housing and Urban Development, also has guidelines for lenders handling short sales. we have submitted a complete short-sale package both by fax and email on XXXX XXXX, 2015 ( see exh XXXX ) only to be told that the package was lost by the lender. 
we have resubmitted that package on XXXX XXXX, 2015 ( see exh XXXX ) of which the receipt was acknowledged by the lender. 

despite the clear short-sale guidelines by the lender and XXXX XXXX Department of Housing and Urban Development the lender is not responding to short-sale requests and seems to be purposely dragging the process unnecessarily and causing the home-owner, who is a XXXX citizen, additional financial and emotional hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: DCS Financial, Inc.
State: OR

Complaint narrative:
Diversified Creditors Services in XXXX, WA has consistently called me at work and my cell phone. They give the mini miranda when calling my place of employment so now they have shared knowledge of collection of a debt with my employer. I also have never received a validation of this debt, just numerous phone calls. I did attempt to call them and they did n't even verify that it was me on the phone. They asked my name, that was all. When I said that I did n't think they were allowed to call me at work the debt collector disconnected the phone call. Based on them calling my employer, not validated any debt and not verifying who i am when discussing a debt I 'm think of getting legal counsel regarding consumer harm.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX ( Account # XXXX ) reported a debt that i had no idea they were reporting. They never contacted me for the said debt. After i disconnected my DSL and Phone services, i had a bill of XXXX. I asked then agent if i could pay off my bill on the phone while she disconnecting my services. The agent told me that i would have to wait for another bill, which is prorated since i had disconnected my services in the middle of the month. The agent gave me this Order number : XXXX after the account was closed. I waited from XXXX till XX/XX/XXXX, i had to call them up again, then they decided to send me the bill. As soon as the bill came in, i sent it back same day with a check of XXXX. This is a case of incompetence or hiring people with no training on how to carefully handle the public 's credit. Their stuff are misleading the public who unknowingly hurt their credit scores. Had the agent let me pay the XXXX dollars, i would n't mind even if they kept the balance. I called XXXX today after i was shocked with my credit scores, they 've advised me to dispute the credit score with the credit report agencies. They told me as far as they are concerned i 'm in good standing with them and they have no way to erase he error. Why they would destroy my credit for them to dismiss me this way is what i ca n't comprehend.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I gave a months notice and I moved out of a house. The room mates stayed and did not pay rent and received a judgement against them and my name was attached to it even though I moved out. It has killed my credit and would like my name taken off the judgement and restore my credit above what it is now. I have a letter from the attorney for the homeownerto take me off the judgement. Thank you XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report indicates that I 've " also been known as '' a name that I have never used. I 'm not sure how this happened or how to remedy it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have ( XXXX ) Derogatory - CLOSED accounts with XXXX. Each account represents a small student loan that was taken out several years ago. These accounts were purchased last year by XXXX, who I am currently in good standing with. TransUnion is reported an XXXX-point deduction from my credit score for each one of these ( XXXX ) accounts that were with XXXX. I have been working over the last year to repair my credit as I am trying to purchase a home for my family. XXXX points is life changing. This amount of points being deducted from my credit score for loans with a single lender that have since been satisfied does not seem like a " fair '' credit reporting practice. I have contacted XXXX and TransUnion to discuss this matter and work toward resolution. Both institutions told me there is nothing that I or they can do to remove or even adjust this massive point deduction. The CFPB is my last hope. Is this something that you can help with?

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 2016-07-30 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:
A company name of XXXX XXXX charge a XXXX debt of {$640.00} on credit report. This does not belong to me and did not have this service.

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 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has failed to conduct a proper investigation each time I submitted a request for an investigation. The first request I sent they received on XXXX/XXXX/XXXX. I did not even receive a response back. The second request I sent, they received on XXXX/XXXX/XXXX, I did receive a response but they did not address my request for method of verification which is my right under FCRA Section 611 ( a ) ( 7 ). In fact, when I disputed the bankruptcies and they verified it, the date of verification still shows XX/XX/XXXX instead of the current date at the time they claimed they verified it which should have been XX/XX/XXXX. I also recently sent them a request to re-investigate the bankruptcies requesting who specifically verified the information. I faxed my request in on XXXX/XXXX/XXXX and I got a response back dated XXXX/XXXX/XXXX having them verify it again with no change and still showing the same date of verification from over a year ago ( XX/XX/XXXX ). In addition, this time I also sent them a letter I received from the Bankruptcy court stating that they do not report nor verify information with the credit bureaus which I sent over to them as a part of my dispute. They did absolutely nothing. I also disputed an auto loan that they are reporting as charged off. I sent them a copy of my XXXX report showing the same trade line as paid as agreed and still no change. Bottom line, Transunion should have deleted all of the items that I requested an investigation on in my first letter ( received XXXX/XXXX/XXXX ) because they did not respond back within 30 days. In fact, they did not respond at all at that time and according to FCRA 611 ( 5 ) ( A ) they have to promptly delete any information they are not able to verify and by them not responding the first time, they needed to remove all items that were disputed.

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

Complaint narrative:
I contacted the credit bureau about fraudulent activity on my credit report and placed a fraud alert. There are inquiries not made by me that I requested to have removed and was denied. They told me to contact the creditor to have them remove the inquiries. I contacted the creditor who told me I need to contact the credit bureau as they can not remove it themselves because they can not find it in their system.

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 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My mortgage was sold to XXXX on XXXX/XXXX/2015. It started out they did not pay my town taxes and insurance. The escrow balance grew to XXXX. I was getting delinquent notices from the town hall. I would try and contact the company via customer service and they were rude and would not call me back. They stated that it was paid and nothing was wrong. I contacted the CFPB and the OCC opened a case. I received letters from XXXX stating it would be corrected and that my request to waive the escrow account would be granted. I also received a letter from OCC stating the issue should be fixed and if any problems to write again. 
There was an issue when I paid my mortgage on time and received a letter stating I was past due. XXXX had put my entire mortgage payment into the escrow account and said I was delinquent. This was finally fixed after my second letter to OCC. I have at least XXXX pages of documentation regarding this entire ordeal. 
I applied for a credit card two weeks ago and disputed the rate they gave me due to the fact that my XXXX credit scores were in the XXXX 's when I closed on my mortgage. I looked at my credit scores and they all have fallen significantly. All due to a late payment that was incurred due to XXXX error by putting my payment into escrow and not paying the mortgage with it. This company has been absolutely negligent when it comes to customer service and now my credit report has been damaged. 
I am unable to upload all the correspondence, I can copy and mail any paper work needed.

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 2015-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Trans Union keeps adding a address to my credit report which is not mine and belongs to another person XXXX. For this reason, I keep getting bogus collection calls from companies stated I owe money for a debt that was never mine. I live in XXXX state and has for over 10 years. Please have Trans Union remove the address and phone number from my report. They have inserted this address XXXX times and I dispute each timeAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone XXXX. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
After sending a dispute letter certified mail to Transunion regarding wrong accounts I received a statement back that they were verified. I sent a request again through certified mail requesting reinvestigation and verification and method of verification and have never heard back that was XX/XX/XXXX. The wrong accounts are XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX After requesting information several times theses accounts remain unverified Transunion needs to delete them permanently

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 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion continues to keep an erroneous charge off from a collection agency, XXXX XXXX. I have already disputed this with TransUnion and it came back as the infamous " that they are reporting correctly '' which they are not. 

To again expedite the process. I have a signed release from XXXX and their original creditor in lieu of suing them for having violating both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

TransUnion again has had more than the allotted time twice to delete this frivolous trade-in from XXXX XXXX! 

I have enclosed the copy of release and expect TransUnion to IMMEDIATELY DELETE and not again send a partial automated response by just " reinvestigating this item '' by their e-Oscar system. 

They care continuously and willfully causing financial harm and I am giving TransUnion until the close of business on the XXXX of XXXX 2016 to have this permanently deleted or I will sue TransUnion both in State and XXXX XXXX. 

Time has run out and they need to be compliant! 

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 2015-12-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX ( XXXX ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX dinged my credit to pressure me for money without notice as I called them only after getting credit report change notice from my XXXX account. When we spoke, the agent said I had to pay the balance and only then they 'll remove the credit reporting. I paid the balance and I do not yet see the updated report on 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 explanation