vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I asked for a copy of mine and my husband 's credit report after seeing inappropriate data on documents presented at the time of closing on our house. A GENEROUS amount of incorrect information appeared on our credit report - over XXXX credit cards that do not belong to us, with a name and address in another state. I called Transunion, the credit bureau responsible for the additional data, as they had included ALL information for an individual who has the same first name and last initial as mine. Uncomfortable with the fact that I now have all of HER personal information - address, place of work and every credit card number she does/has possessed, I also wanted the appropriate credit score for mine and my husband 's credit history. I asked Transunion to remove her information from the credit report. They assured me they would clean up the credit report and send me a new XXXX within a couple of weeks. That happened on or around XXXX XXXX. 
I called the company today, XXXX XXXX. Today the Transunion representative indicated they could send a new credit report out, but it would not include fresh credit ratings. Further, today the representative indicated that XXXX HAD already been sent on XXXX XXXX. When I asked the question, " To what address? '' the response was THE ADDRESS OF THE OTHER INDIVIDUAL?!?!?! 
This is a bigger issue than getting my credit report cleaned up or getting a fresh credit report and credit score, although those are important aspects to me, as well. There is an alarming gap in processes that allow for me to see information with a Social Security number of a person who simply has the same first name and same first initial of last name ( not even the same last name ) as mine. And, even more alarming, now I am extremely vulnerable, since this other person has been sent a printed copy of all of MY personal information - including my social security number. I am absolutely stunned - I have XXXX social security number, distinctive from any other person and a computer filters exact data, not " approximate '' data. 
In a climate where great caution is encouraged, identity theft is rampant and government agencies are in place to protect the consumer, I am mystified that this could happen. 
To add insult to injury, Transunion will not provide a full credit report without charging me and will not freeze my account without charging me. They have created an incredibly vulnerable environment for someone who keeps my nose to the grindstone, pays bills on time and trusts that the processes in place will protect me. 
I do not even know where to go from here, or what I should do to further protect mine and my husband 's data, strong financial history and my social security number?!?!?!? It has now been sent to someone whose only common data point with me is the same first name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed several medical collections in my credit file with all XXXX CRA 's. Once the investigation was completed and " verified '' I contacted the CA directly. To make a long story short, there was an issue with my particular insurance company so the accounts would be removed from my credit file. I sent in a copy of an email that I received from the CA to the CRA 's. They verified that they did receive the email. I was told that was not enough for them to remove the accounts ( the email had the senders ( CA Supervisor ) contact information, phone, email and fax number. All they had to do was call them. Once I received the actual deletion letters from the CA 's, I sent in the copy 's to the CRA 's ( all on company letterhead ). I called and verified that they did receive the letters. Still the accounts are in my credit file. I am trying to get a mortgage. Since sending the request to deleted the interest rates have increased and who knows whether the rates will increase again by the time they remove theses items. I informed the reps of this. I do n't understand why, if you have letters from the creditor saying delete the accounts, why it 's taking nearly a month to get them removed? I am still waiting ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am applying for a home mortgage and all XXXX credit entities show an outstanding bill for XXXX ... 
I have never had an XXXX account. It does not belong to me 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 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I had a car loan with XXXX XXXX that was paid as agreed and never late. Recently I checked my credit reports online and they have XXXX XXXX showing up with several negative marks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 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:
XXXX, XXXX and transunion keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
In 2007 I enrolled at the XXXX XXXX XXXX California XXXX XXXX XXXX hoping to obtain a XXXX Degree. I spoke with the financial directors and determined that I would need XXXX Federal Loans and I also chose to apply for a Tuition Answer Loan totaling XXXX. I spent XXXX semesters at the facility before determining that this was not the career path I had chosen. I had already cashed the XXXX XXXX XXXX and was using it. I did not return that money, however I un-enrolled from the school immediately. Approximately XXXX year later I began receiving debt collection letters from XXXX additional private loans that I gad not signed for. These loans totaled XXXX. I contacted the school who stated that the loans had gone to collections and were no longer the responsibility of XXXX XXXX. I began contacting the debt collectors and was informed that in XXXX of 2007 I apparently went to a XXXX XXXX to cash these checks. I asked for the signature paperwork, they said they would send it to me, I stopped receiving phone calls. XXXX moth after I contacted the " phone number '' I had been given by the school to find it had been disconnected. It has now been several years and every time I get a letter I call demanding the written signature that allowed for these checks to be cashed in my name. I have refused to make any payments to XXXX XXXX or XXXX until this documentation has been provided. I am now planning on filing a small claim in court to have these false loans dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 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:
I applied for an auto loan with XXXX. The denial letter I got stated some, " whole or in part '', the reasons on how they based their decision. The reporting agencies are TransUnion, XXXX, XXXX and XXXX. The first part of XXXX reasons for denial was " could n't identify or confirm my personal information. I filed a complaint with TransUnion on XXXX/XXXX/2016 stating that my information was not up to date and a collections account is not mine. Originally XXXX had stated that the dispute ( samer reasons plus identify fraud issues ) I had with them ( XXXX ) were resolved. ( results from XXXX= deleted from my credit ) and that they ( XXXX ) would contact TransUnion and XXXX to do the same. TransUnion and XXXX has not. Ive attached the email from XXXX, the dispute results from TransUnion ( nothing was done ) and the XXXX report as to why they denied me. I have filed complaints with all XXXX reporting companies. XXXX, XXXX, XXXX, and TransUnion. My last dispute was with TransUnion on XXXX/XXXX/2016 The results for that dispute were unsatisfactory. The account disputed was still listed and more importantly they have old personal information ; address, name and employment information that hasnt been updated from 10 years ago.

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 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
several weeks ago i noticed that on my credit report with transunion that the XXXX inquiries that were on my credit report were deleted and now has reappeared on my report. here are the companies that was removed and now has reappeared. XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16. I have called several times and have been rerouted disconnected sent to voicemail. The excuse that i was given is Yes we can delete these inquiries however because your account has a fraud alert we are unable to remove it ( which I have sent transunion a certified letter requesting for them to remove this from my credit file to no avail its still there but thats another issue. Lets just focus on on the removal on the reinserted inquiries ) .. this is what a representative told me from XXXX as well as a XXXX special handling representative. 
Transunion is well aware that they are in violation of the FCRA 611. that advise that notification must be mailed out within 5 business days before reinsertion. I would like these inquiries to be immediately removed. I am tired of being given the run around my next step will be to go beyond the XXXX if this problem is not immediately resolved. Thank you for this attention in this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
A company XXXX oil company pulled my credit without my permission. I do not know who it is.

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 2016-03-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request to provide me with documentation that was used to verify the accounts I previously disputed. Because TransUnion has exceeded the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' of the information I disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint about transunion as I have been disputing incorrect information that is reporting on my transunion credit report. XXXX is reporting XXXX loans that have been charged off to a bad debt. This information is incorrect as there way only XXXX loan taken not XXXX. I contacted the XXXX in regards to this and received a response from them today that they have attempted twice to contact XXXX on my behalf and they have not received a response and must close the case. I am submitting this complaint to the fcra because to my understanding if a company does not respond within the allowed time frame it must be deleted. I am requesting that this XXXX loan that is reporting incorrectly be removed.

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 2015-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: NJ

Complaint narrative:
My mortgage company, Pacific Union refused to pay my homeowners insurance and taxes from the escrow account. As a result our homeowners insurance was cancelled and my husband and I became delinquent on our taxes.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
my husband at the time had left me and my son. ive been trying to get help through bank of America since he had left, we had gotten divorced after. so ive been wanting to stay in our home and complying with every effort to save my home. its been three years that ive been jumping through hoops with bofa and they denied me any type of help! They would rather see me and my son out on the streets than to lower my payments. they told me Ido n't make enough money, nah really, that 's why I 'm asking for help! There has got to be something somebody can do to help me save my home ive sent them the divorce papers and even gotten his name off of the deed so they can just by my income .... ive talked to them on and off just about every week sometimes even two times a week crying and pleading for help XXXX they just do n't care about really helping out their customers I know several people who Bofa has turned away. so I 'm stuck possibly getting kicked out! they told me I was approved for a short sale, so if somebosy offers to buy my home for say XXXX still liable to the rest and still be XXXX out of luck with no home for my teenage son and I!!!! but yet they say if we can be of any help you have our phone number so call us if you need us!! haha what a joke

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 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My name and another with the same first name have somehow been mixed up together causing my address to show as hers and her name to show as an alias as well as her past history and associated people to be under mine. My car loan is not being reported to any agencies, it does have my married last name but my social security number has n't changed so should n't it still be reported to my credit? Also there are a lot of charges on my background check that are not mine A LOT! Mostly all of them accutally I do n't know how or why theyre there but this could dramatically effect my future employment and housing approval.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have told them they are not reporting and keeping up with my information. they are hanging onto things that are so old and also while i was married and have been divorced for over 3 years. i have worked very hard to improve my credit rating but it doesnt go up it keeps going down which i do not understand. i have complained but its not working and i want them to delete things that are so old should be gone and to update my credit rating as i should have really better credit now

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This was a tax lien that was filed for property taxes. I sold the home on XXXX and I paid the prorated taxes in the closing. Called XXXX XXXX XXXX XXXX XXXX XXXX and since I was the owner for XXXX 2015 the Tax Lien was filed against me. The property taxes was the responsibility of the NEW OWNER. I called the new owner and was told that HE was late paying property taxes. The TAX LIEN was not my responsibility. I have the DEED showing that the property was no longer my 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 non-monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
They are reporting old address on my credit file that were never mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is saying employer reported on XXXX XXXX. I havent worked since 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 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed these accounts a few times already asking for validation and Transunion has failed to provide me with the documents they have on file to verify this account. Under the FCRA anything unverified needs to be removed. These accounts also are reporting incorrectly. Payment history is incorrect and Transunion needs to remove these accounts. I have attached file with CIRCLED payment history errors. They go reporting " 0k '' status for a few months then they go late 90,120, 120, 120,120,120,120 ( How can it be 120days late for 7 months straight ) it Then goes to " X '' ( Unknown is NOT proper reporting ) to " Ok '' status then again same late Cycle again. These ca n't possibly be my accounts because I have not made any payments on these accounts so these accounts need to be removed.

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 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been trying to dispute information on my transunion credit report. I 've spent 2 days on the phone trying to get to speak to someone. My file is with ( I am told ) in a different department being I had identity theft. I called XXXX as I was told. However I get an answering machine telling me to leave my name number ss # file # etc. I call the main number for transunion and after being on hold for so long I am either transferred or told to call the above referenced number. I have incorrect information on my credit report that I would like to re-dispute as I have substantial additional information to correct this incorrect information. XXXX ( fraudulant account ) has been verified with XXXX fraud investigation dept that it is to be removed off my report. XXXX XXXX account should have no deragatory history marked ( I also have a letter from commenity bank/victoria secret that this account has never been paid late and it is reporting as a late payment XX/XX/2014. Which is 2 years ago. They verified this historical payment on this account was never late and all this time it is reporting as a deragotory remark which is affecting my credit score. I am trying to correct and fix this information along with my commenity bank/express account which is also reporting as potentially negative ( which again i have substantial proof that this account was never paid late either and the deragotory remark should be removed ). It is very fustrating as transunion will not take my call. My time is very valuable such as everyone else 's but this is getting me really aggravated that I keep getting an answering machine and someone will call me back. I 'm not going to receive a call back and I want this incorrect information corrected.

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