vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
IN XX/XX/XXXX I moved to a new town and pulled my credit and found that a XXXX XXXX court house placed a debt for XX/XX/XXXX on my report. I called them and the state office XXXX and paid the debt and received receipts and letters and paid additional fees to cover court cost to remove the lien on XX/XX/XXXX it was entered paid and released. However for the last nine years I have disputed this off and on with the credit bureaus and they continue to report it as unpaid. The item was paid in XX/XX/XXXX and both the XXXX attorney Generals office XXXX and XXXX XXXX Court Records division claim they removed it from reporting in XX/XX/XXXX when my spouse spoke to them this week they this is the credit bureaus error. I attempted to dispute online and it automatically states that all I can do is submit a statement due to a fair credit report act regarding disputing an item 2 times. However, the item continue to be incorrect as the fee was paid as evidence by the copy of my receipt and letter from the court below. In addition, I understand that paid tax liens must be removed after seven years from a record. This has been reporting now for 9 years. XX/XX/XXXX filed with court paid and this is XX/XX/XXXX XXXX 9 years ) I feel my federal rights are being violated and it significantly is lowering my credit score. I am asking this be removed immediately and not placed on again. This is a 9 year old paid tax lien and needs to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion has been reporting on my credit report since 2013 charge off bad debt on XXXX account ending in XXXX. This was sent to court in XXXX 2013 with a ruling of dismissed with prejudice and also stating I am not liable for said debt account. I contacted XXXX in whom the account was sold to. The case has been deleted with them and also they reported the corrected information to all three credit reporters on XXXX XXXX, 2013 with a AUD number of XXXX. However it continues to be reported as bad debt and derogatory. I have enclosed the court documents an advise Transunion to delete this account off my credit report and I can not imagine how this has impacted my scores and credit worthiness. Your company did not investigate this as then you would have found out if you contacted the proper channels this debt should not be reported in such a manner. Please take note of the violation in place here on your company for doing this for almost three years. Take it off thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have an item from XXXX XXXX out of XXXX XXXX, CA they are reporting that I owe almost {$2000.00} on an apartment lease and yet they will not provide the lease agreement. I know that I did not sign a lease agreement with them everything was under my wife 's name at the time and it should not be reflecting my credit at all. If they choose to place this on my credit report than they should be able to provide proof that I owe the debt. I have requested copies of said lease agreement from both the apartment complex and the collection agency and neither have responded to me. I feel that if they claim to have a debt with my name associated with than I have the right to at least see the proof behind it.

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 2016-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
1. I settled a loan from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to remove account. I sent copy of letter of settlement from XXXX XXXX XXXX XXXX to Transunion, XXXX and XXXX. However, account was not removed or updated. 
2. All credit reporting companies are reporting an account from XXXX. I have never dealt with this company. I paid off XXXX XXXX XXXX and I have no balance. However, Investment retrievers have kept reporting negative information on my credit file. 
This is inaccurate information has adversely affected my credit score. The credit reporting companies are not following the federal Fair Credit Reporting Act ( FCRA ) which requires them to report accurate information.

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 2016-10-15 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:
On XXXX XXXX, 2016 I checked my XXXX report and it showed that an collections account, XXXX XXXX XXXX was deleted and reinserted in the same week. I have been disputing this account for a few months due to the fact that it is not mine. I have sent them several letters and have yet to receive a response. Transunion failed to notify me within 5 days that they were reinserting the collection account. They have broken the law.

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 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Working with XXXX XXXX to remove. XXXX 's put false information onb my credit report after failing to withdraw {$25.00} from my account in nJan 2015. I called XXXX XXXX and paid {$27.00} and the XXXX credit rep said no deliquency would be put on account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
US department of education loans were taken over by XXXX and now they both appear on my transunion credit report, and the US department of ed XXXX appears under collection from 2011 even though I have been making the regular payments. XXXX and XXXX are not showing this. It 's impossible to speak to any representatives at Transunion because their phone system does n't recognize when you dial your choices. I have started an investigation online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have repeatedly asked my mortgage company XXXX, to report my mortgage balance to the credit bureaus to no avail ( loan number XXXX ). The last time I complained to them they said that because I filed a chapter XXXX bankruptcy on XX/XX/XXXX ( discharged XX/XX/XXXX ), they can not report the balance due even though they report the mortgage payment each month. This they claim is because the original mortgage with XXXX was included in in the bankruptcy filing and even though it was switched to XXXX in XX/XX/XXXX, they therefore can not include the balance. 
Please see attached mortgage loan modification dated XXXX/XXXX/XXXX, where the originally refinanced loan from XXXX/XXXX/XXXX with XXXX, then sold or transferred to XXXX, is now transferred to XXXX as a modified mortgage. ( This was the result of a lawsuit filed by me in federal court ). Nowhere is it mentioned that there will be any unusual credit report notifications made. There have been no late mortgage payments.

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 2015-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
We put our home up for Sale as a " Short Sale '' on XX/XX/XXXX. We have two issues with Citimortgage : # 1. Received an offer on XX/XX/XXXX and since then Citimortgage has requested new closing dates every month ; for different reasons. A year later the new closing date is XX/XX/XXXX. Need a reason why it took so long for the closing. Which put me threw a lost XXXX. 


# 2. We were told by Citimortgage Representative, that we will receive a relocation incentive of {$3000.00}. That is no longer available because they said we moved out. Yes, we moved out to due no heat in the home, however I still have furniture in the home ; I am staying with family members.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I faxed over a dispute and mailed it to Transunion. Twice they lied and said they did not have a drivers license in order to not investigate my dispute. I am attaching my license so someone else can over see it. I also need the items in the letter investigated within 15 days because they are very much behind. 

I already sent letters certified to verify the following collector and creditor accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Since the inception of my vehicle loan with Ally Financial I have paid over the required monthly payment. Each month I have requested that the amount paid over be applied to my principle balance. It appears that interest is being deducted from the total amount paid and not from the payment due amount. I believe the amount paid over the payment that is due has been misappropriated throughout the duration of my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I attest that I am XXXX XXXX, and the owner of the verbiage that is contained in this dispute. 

1. I have previously disputed the XXXX XXXX, Acct number -- -Account Number : XXXX, with Trans Union . 
2. Trans union claims they have verified this account, please see the dispute results attached. 
3. No Credit Card account has EVER been established by me, with XXXX XXXX. No card, was received, no activation occurred and XXXX has NO history of this accounts existence. 
4. Please delete this inaccurate account. 
5. Please provide the Method of verification, along with the Name, Address or other contact details utilized in your investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a medical bill that is reported by XXXX separate collection agencies which are the same bill. I believe XXXX of those should be removed. It is for the amount of {$750.00} and is reported on both XXXX & Transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
inquiries that was once deleted is back on my credit report and i would like for them to be removed. i was not sent any nofication stating they would b put back on.

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 monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hAve XXXX hard inquiries that I have not done. 
XXXX transunionXXXX XXXXSays made XX/XX/2015Please Investigate and take off my report. I am trying to fix my credit not damage it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I received an email updating informing me that some collections which were previously removed from my Trans Union credit report were added back which dropped my score tremendously. I never received any type of written or email notification from them stating that they were going to add these items back to my report and know that they should have send me some type of notification within 5 days informing me of why any changes were incurred. All of these items were previously removed from my credit. When they added the items back to my report, they added them as charge offs which was not the case. Everything that was previously removed was a closed collection. I 'm not sure why they added this information back to my credit report or why it was reported incorrectly. When I called and spoke with customer service, I was informed that this was an error due to XXXX app but that was not who alerted me of these negative changes to my report. This information was displayed on my credit wise credit monitoring app.

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 2015-03-19 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 paid of my mortgage in XXXX XXXX sum of {$85000.00} they deleted it with out my consent I never ever even disputed nor did I try they removed my paid of XXXX XXXX XXXX sum {$35000.00} as XXXX XXXX the deleted my ally loan sum of {$29000.00} as of XXXX XXXX then I called them yesterday told them on XXXX/XXXX/XXXX that there was suspicious phone number XXXX on my fraud alert hows that they did n't know I asked them would they please change it back they did they asked XXXX security questions only I would no you hade XXXX anser each question with XXXX correct answers I did that it was good they deleted the old number that 's not mine put in correct number XXXX that was there from when the fraud alert was put on XXXX XXXX he was trying too figure out how that happened as seen the some one added extended fraud alert with that new number trying too block me from my credit report its raised red flag with them they were nice enough too help me out I told them I got there credit monitor as yesterday XXXX/XXXX/XXXX too protect me know but we have problem XXXX inquiries within starting XXXX XXXX till as of XXXX/XXXX/XXXX I called them on XXXX/XXXX/XXXX added security freeze I have the new freeze number they removed the old one due too some one got my mail transferred are come buy checked it took it out and try too block me out please help me I hade perfect XXXX with transunion in XXXX XXXX too XXXX XXXX know in down too XXXX what happen my house was deleted my XXXX paid loans were deleted XXXX has the paid mortgage and the XXXX car loans that are paid in full as well I tried too share them with them they told me nope they do n't do that yes there supposed too do that that 's my loans I worked hard too pay off all ask of them too do the wright thing as worked so hard too keep some what good credit it took some one trying too steal my identity too crash it please help me I know who has are trying too do this thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06 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: NM

Complaint narrative:
Four complaints:1. While requesting XXXX my annual reports, the internet went to a " XXXX '' for the reporting agency XXXX TransUnion XXXX, then a error message appeared saying that the secure site could not be reached. This also happened a few months ago during a request XXXX. Because the online service was not producing my report, I decided to contact XXXX, using their posted " contact us '' form. 

2. I tried to contact AnnualCreditReport.com by using both their " contact us '' form and by phone. Even though I completed the " contact us '' form, it repeatedly posted a message that there was a problem in the " tell us more about what happened '' comment field, and that I 'd have to correct the error ; however, there were no instructions as to what the error was or how to correct it. 

3. After getting no results through the " contact us '' form, I tried contacting XXXX by the posted phone number : XXXX ( which is the same number that Consumer Financial Protection Bureau gave me to contact XXXX XXXX. That phone number ( XXXX ) provides only a repeating message and no live person to help troubleshoot the online problems with their website. 

4. I 'm quite concerned that the XXXX website is phishing! It certainly is acting like it is! and I do not need my identity jeopardized!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to AD Astra Recovery Services , Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with AD Astra Recovery Services , Inc. This was a XXXX Pay Day Loan and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by AD Astra Recovery Services Inc. In this case the debt should be removed from my credit report and out of the office of AD Astra Recovery Services , Inc. because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have sent letters made calls back and forth to the Dept of Ed who tells me my account is closed paid in full and should not show any negativereport to the XXXX credit reporting agencies. Dept of Ed student loan claim Imust dispute any negative information with transunion XXXX orXXXX. I have done so many times and it continues to show multipleincorrect reports of missed payments. I have asked the closed accountsbe removed which are from more than 7years ago but all I get is ais a customer remarks added to their report claiming I never missedpayments. will they ever help me and clear my record so I can buy ahouse! I have sent proof to the agencies from my student loan companythat the accounts are paid what else do they need???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Partners Financial Services Inc
State: TX

Complaint narrative:
I owe XXXX School of XXXX XXXX {$2700.00}. The collection agency, Partners Financial Services Inc. of XXXX, they have chosen to partner with is charging me {$2300.00} ( almost XXXX ) simply for it being in collections. They have clearly stated that the charge is 0 % interest. I have been a student since I left XXXX School and could n't pay them the amount due. I was never notified that I was going to be charged such a large amount or that it was going into collections. I believe Partners Financial Services Inc. is charging me for the amount XXXX owes them for collections and is putting it in my account. I do not feel as though I owe Partners Financial Services Inc {$2300.00}. This collections agency is charging me unreasonably and unfairly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Car Loan for XXXX Lincoln Navigator with XXXX XXXX was paid in full XX/XX/XXXX. XXXX will not dispute this. We recovered the vehicle before it was re-poed XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX

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