vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Mark A. Kirkorsky, PC
State: TX

Complaint narrative:
The debt was charged off as a profit and loss cross collateralizion of home equity line of credit and a credit card in 2008. XXXX XXXX XXXX XXXX hired the firm of Mark Kirosky to file a judgment. The debt originated when I lived in XXXX. I was sued after I moved to XXXX. I have been a XXXX residents for 7 years and the law office of Mark Kirosky continues to send writ of garnishments to all of my employers. Every employer has interpretated the withholding in XXXX differently based on whether or not they have offices in XXXX. Even though I live and work in XXXX. XXXX XXXX allowed my wages to be garnished. However XXXX XXXX XXXX has not. My company got bought out by XXXX XXXX XXXX based out of XXXX. However I still work and live in XXXX. I spoke to my new HR admin about my situation and she is researching on whether my wages can be garnished or not. However XXXX law prohibits this practice. But my employer may not want to be involved in this matter and take the path of least resistance and allow the garnishment. 
Also Mark Kirkorsky office pulls my credit every 60 days. They continue to re-age my debt even though I have made no contact or any payments. They have been unscrupulous and send legal documents monthly. They do not have the right to garnish my wages in XXXX for an unsecured consumer debt. They can not falsely report payments and delinquent payments to re-age my debt with credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A vehicle lease reporting on my credit file was NEVER delinquent but this agency is reporting XXXX late payments for XXXX and XXXX for XXXX # XXXX. This account was never late and should not contain any derogatory lates. I have requested a reinvestigation to forward me any evidence/ proof and descriptions used to conduct an investigation and yet i have received nothing after each of my disputes and requests. I do not believe a proper investigation was done, these late payments never occurred and the furnishers would agree but they have informed me that no one from the reporting agency has verified anything with them. The other XXXX major reporting agencies are NOT reporting any lates on this account. SO how does this agency have this account reporting this way? this is not right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XXXX XXXX, 2016 I sent a request for a Security Freeze that listed my name, social security number and date of birth along with my Drivers License, Social Security XXXX, Police report and proof of my address. Per the certified mailing receipt it was signed by TransUnion on XXXX XXXX, 2016. I have yet to receive any confirmation that the security freeze has been placed.

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 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
They have misspell my name and my wrong employer name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have called Transunion and told them that my name was spelled incorrect. And the information attached to it was incorrect and they informed me that they can not and 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 non-monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion, XXXX and XXXX are all reporting incorrect items on my credit reportand to date have ignored our attempts at getting these items removed, corrected and changed?! We certainly know our valid correct legal names, where we have ever lived in XXXX years of marriage and where we have never lived or had a postal box?! Alsopublic records is reporting incorrect information on a supposed judgment by XXXXfiled in XX/XX/XXXX and no later where we have a letter from XXXX and the FDICstating very clearly that NO SUITS were ever filed. The XXXX accounts in question were charged off in XX/XX/XXXX. We think these judgments should be dropping off as we are in the XXXX year time frame now and that legally they should never have been filed if in fact they were as we were in a debt settlement program with XXXX XXXX XXXX in XXXX, AZ from XXXX and the XXXX accounts were in the program which XXXX agreed to?!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
They said information for Federal Tax Lien is verified, no and will not be removed until XXXX. I have verification that this is not true SOL was XXXX. So I need them to remove this information ASAP.

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 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Bank XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXHas Falsely Reported Information onto my Credit Reports and have Failed to Validate and Verify to my Dispute # XXXX .Violating FCRA, FDCPA, TILA, XXXX. 
First who am I dealing with? XXXX Bank XXXX XXXX a division of XXXX XXXX Exhibit A ) or XXXX BANK XXXX. ( Exhibit B )? 
What was Done? 
1 XXXX Loan was Transferred as stated in ( Exhibit A ) taken from XXXX XXXX? 
2 XXXX ForeClosure redeemed XXXX Exhibit C XXXX Transunion Remarks? 
3 ) XXXX Reclaimed collateral to settle defaulted Mortgage ( Exhibit C ) XXXX Remarks? 
In Regards to Question 3 Who was XXXX? 
4 XXXX No Loan or Account XXXX Exhibit C ) XXXXx?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I Recently Checked My Credit Report And It Stated That All of My Inquiries Were Deleted. Today XXXX/XXXX/2017 I Logged On and They Reappeared. I Also Noticed That My Credit Score Is A Little Lower Because of This Issue.

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 2017-03-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed items that were previously removed and items I know do not belong. Not once have I receive a written letter. I am not told what information the have been given as proof. I do not believe that a phone call to the collection/open account holder should provide so little as I " we say so '' or a credit statement with nothing in writing such as a signed document. They are taken at their word. I want to see exactly how they have come to this conclusion. Again, I have n't even gotten a letter. Even when they reinsert and item, no letter there either.

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 2016-12-01 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:
Worked with attorney and debt collector to resolve an erroneous debt collection action resulting from cancellation of a cell phone contract in XXXX pursuant to the Servicemember 's Civil Relief Act/the terms of the contract. The debt collector verified that the debt was erroneous and notified my attorney of the same. The debt disappeared from all XXXX of my credit card reports but has since reappeared. The process of disputing the erroneous information on each individual credit report ( XXXX, XXXX and, TransUnion ) is unduly onerous and time consuming. I would like the CFPB 's help with cleaning up my credit report permanently. Further, I believe other Soldier 's may be similarly situated and the CFPB should track this company for other complaints.

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 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Was never late on payments ... needed a extension of XXXX payment because or the IRS payment. on payoff day it was outrageous amount of XXXX ask for a settlement amount because i had already payed the principle part in full immediately I never could get payoff. they never sent my title for 3 months and filed this report did not say or warn me this could or would happen. Or I would have paid the STUPID {$280.00} for there cheap shot. and its 6 years NOW

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are two accounts on my credit report I have been disputing for quite some time now. The account with XXXX XXXX, I returned the XXXX within the thirty day time period. As soon as I had knowledge this account appeared delinquent I dispute and have been every since. Each time I dispute it the credit bureau 's state they have verified the debt is mine. I would not constantly dispute it for no reason. I also disputed the XXXX account because of charges on the account. I complained about this to the XXXX, disputed it with the credit bureau 's to no avail. I even requested the XXXX send me documentation. The most recent XXXX card I held I closed the account myself and paid it off because of this issue. I have several closed and open accounts on my credit report, they are all not perfect but I am paying all of them. These XXXX accounts are dragging my credit score down. In addition I opened an account with Transunion reading the correspondence makes consumer think having the account is affective or important for your credit. Their site offers more credit cards and options which is confusing since this is XXXX of the bureaus reporting consumer credit it seems to be conflicting. After closing the account I constantly receive emails telling me score is going down and I am missing out on valuable information. I do n't see the help in this. In fact the credit card I opened through Transunion 's website XXXX XXXX has credit wise so I do in fact have access to my account. Therefore Transunion was charging me for a feature they offer with the credit card. I am confused and I need help because the companies reporting my credit and score are not helping me especially offering me more credit card and loan options.

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 2016-07-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Coastline Financial Resources, LLC
State: KS

Complaint narrative:
Company 's name is Coastline & Associates LLC ... called my husband at his job ( XXXX XXXX, 2016 ) and left a message for him to call and speak to XXXX XXXX about a supposed old debt to XXXX XXXX XXXX in the amount of {$1500.00} ... threatened husband with the law, etc ... we do n't recall this debt at all, but said well maybe it was one from a time over 8 years when it was rough. So my husband called the guy next day arranged for payment agreement and he also asked for it in writing. We got the letter today, XXXX XXXX, 2016 and the letter is a photocopy, no real signature and is asking for the payment only in form of a debit/credit card ... we had something similar happen few years back so this alerted me. Researched them online and have found nothing to show they are legitimate or that what they are doing is real and not a scam.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have a paid subscription with TransUnion Credit Reporting. I recently went online to check credit and there was XXXX " delinquent '' account. I spoke with XXXX people -- XXXX and his supervisor XXXX.. They were very difficult to understand and when i asked them to speak slowly, they would continue to speak in fast, heavy XXXX accented XXXX. They first insisted that I could see the source of the delinquency on line. This was untrue. After nearly 20 minutes of talking, they said that they had found the source of the delinquency, first claimed that they could send me a written report, then claimed they could not - that was another department XXXX said - then said they would send it since the " delinquency '' was not identified online. They then asked if I wanted to dispute the " delinquency ''. When i said I did, they said that they could not XXXX dispute the delinquency, AND send me a physical report. They then said that they could not help me and I had to call the " online '' department. They gave me a number for the online department that was the exact number I called to talk with them, and is the same number provided on the TransUnion site. This is the only number provided by Transunion and there is not other way to contact TransUnion provided on the site. 
This would appear to be a number of dead ends set up by Transunion to keep the consumer from pursuing information from them, and would appear to be behavior set up to thwart the consumer. This is from a group that is XXXX of the XXXX groups we depend on to protect us as consumers, and which advertises on its website " TransUnion Interactive is committed to making your experience as easy and trouble-free as possible. ''

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 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XXXX XXXX, 2015, I attempted to submit a dispute regarding XXXX items on my TransUnion credit report : XXXX for XXXX Bank and the other for XXXX. I made it all the way to the uploading supporting documents for my dispute and hitting the " submit '' button, but at that time, I received a notice that TranUnion can not process my dispute online and that they would mail me information on how to complete my dispute via regular postal mail because my dispute required a " manual review. " I have made countless complaints against TransUnion and their practices, and as such, they have had me assigned to a " special handling unit '' each and every time I call. In other words, because I am exercising my right to complain about them, they are now retaliating against me by slowing down the dispute process and forcing me to submit my entire dispute by postal mail. 

This would n't be a problem ; however, in addition to their retaliation against me, this also slows down the dispute process and continues to negatively impact my credit file and credit score, as a result of mail time and manual processing, which is a complete lie on their part. 

There is no good reason why I can not have my dispute processed online like everyone else. TransUnion is directly retaliating against me because of the numerous complaints I 've made against them over the years, which now has boiled down to negative, inaccurate information remaining on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 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:
I have a few inquiry 's on my credit score that does n't belong to me and I did not receive trade lines of credit from. I asked them to remove them, and they declined 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 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed an online dispute with TransUnion concerning a debt placed onto my credit file by XXXX XXXX XXXX. I was not able to upload documents to prove my case because of an incredible amount of character restrictions not allowed on documents by this companies arcane computer program. When the dispute came back that the debt was verified, I then mailed my documents to Transunion to prove my case. XXXX again the results were not in my favor. When I tried to call to speak with a live representative, I was redirected to file the complaint online. It is my strong belief that a proper investigation was not conducted on my behalf. The documentation provided to TransUnion was very strong evidence that XXXX XXXX XXXX was wrong on their filings against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
A few years ago I purchased a 2008 XXXX XXXX from XXXX XXXX in XXXX, Illinois. The finance department obtained a loan from Ally Financial for the amount of XXXX after tax title and license. When I attempted to trade the vehicle into a different dealer I was told that because of the title issue prior to my purchase the vehicle was worth XXXX. When I complained to Ally Financial asking how could the insufficient vehicle as collateral for the loan. They stated that LTV was negative yet they authorized the purchase price therefore I would have to pay the debt over a 6 year period which would cost me {$44000.00}. I requested a refinance and they stated that I would have to pay the inflated amount for 3 years before a discussion could be pursued. XXXX XXXX misrepresented the LTV and Ally Financial paid them versus doing sue diligence and me as the consumer is left holding the responsibility,

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 2015-08-10 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:
Item in dispute is an entry on TransUnion credit report. A Federal Tax Lien was filed in XX/XX/XXXX based on tax years XXXX, well beyond the legal limitation window of three years. TU confirms only that it is on file in XXXX XXXX, California ; and they intend to keep it posted on my credit report until XX/XX/XXXX. It is based on tax years beyond ten years history now. I am respectfully requesting that this be removed from my file. I hope you can help me with this. Thank you for your look into it. Court document attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 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 have contacted Transunion to get these hard inquiries removed off of my account. I am a victim of identity theft and the companies is suppose to call me before they run my credit and it causes me to get a hard inquire. They refuse to remove them and I want them done. 

The hard inquiries are XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XXXX XX/XX/2016.and XXXX XX/XX/2016

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