vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have never opened an account with XXXX. I would like to have this account removed from my report. It seems as if the account was closed and is causing harm to my account. I do n't shop at XXXX and Never opened this account with my ssn. I am extremely concerned that someone has my information and can use it again at their leisure. Please help me to remove this account! Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I really need your help with the credit score because, as a result of the short sale, my credit score was reduced and I, being self-employed, am unable to obtain contracts to support my business. 
I went through a hardship, severe medical issues and 90 % decrease of income within the last 5 years. I was advised by XXXX XXXX, XXXX XXXX, Client Relationship Manager, and XXXX XXXX, Assets Disposition Department NOT to make our mortgage payment in order to qualify for any retention or liquidation options. 
I was originally placed on a forbearance plan that I was still unable to afford. Essentially, the forbearance plan ( type of retention option ), was designed to lower the mortgage payment ; however, in reality the forbearance only increased the loan amount owed - accrued late payments, principal and interest added to the back end of my loan. The forbearance, in itself, made my property underwater ; therefore owing more than the market value. 
Since the forbearance was no longer an option ( again referencing my medical hardship ), I was forced to short sale my property and move where I am now renting a home that is 50 % less square footage This is a XXXX, XXXX XXXX ( no doc ) loan. XXXX, the originator of the loan, sold the Servicing rights to XXXX XXXX when I became delinquent on my mortgage payments. The XXXX Loan Officer also told me I would need to be delinquent on my mortgage payments to qualify for any assistance due to my hardship. 
I believe there were numerous compliance irregularities during the origination of my loan due to the lowered underwriting standards. 
Additionally, the property was originally appraised at XXXX XXXX. Due to the recession, the value was decreased to {$620000.00}. 
I caused none of this. I was advised to be late on my mortgage payments ; I was caught in the middle of a recession and also XXXX all in a condensed period of time.

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 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
transunion would not delete wrong information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 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:
The information about a collection bill is not mine there is only XXXX and it dropped my credit drastically I have never received any info about this collection bill and about 3 days ago it showed up on my report

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 — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX didnt provide me with the agreed upon paper or electronic statement for two months. No paper statements ever got to me and then gave me a call on XXXX for the XXXX time. They explained I had a late payment for a bill of about {$12.00}. I explained back I never got a notice or any reminder of that in any possible way other than promotional emails and routine emails. I was promised that if I pay on the phone entire amount plus XXXX month ( not XXXX months! ) of late fees, there will be no problem with credit reporting or anything else. I paid all in full as agreed upon on this first call I got form XXXX. Same day I saw to my surprise and against all that was explained to me on the phone that my account was reported delinquent by XXXX. I called back several times to talk to the XXXX but they didnt want to help or explain why the reporting happened after my account was fully paid. In addition, they only send me a notice to dispute the status of the account only after it was in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2016, I refinance my auto loan, which had previously been with Ally Financial, with XXXX XXXX XXXX. XXXX XXXX has been great. They acquired a payoff amount and address for payoff, but Ally claims they ONLY has a PO Box , and payoff can only be sent through regular mail, not overnight. It has now been 3+ weeks since my refinance, and 2+ weeks since XXXX XXXX sent a payoff check and a request to release the lien. I have had four ( 4 ) conversations with Ally, all just short of stating that I must make a payment and that I have been sent to collections, and they have not been able to assist me in locating XXXX XXXX 's payoff nor have they been able to to provide me nor XXXX XXXX in anyway with a solution. They will not provide us with a physical address in which the bank can reissue and send another check either. XXXX XXXX will not resend without this.

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 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX- I would like for this XXXX ( XXXX ... ) account to be removed from my credit report. I have mailed several request for Transunion to do so. I have also called XXXX and they said to dispute directly with Transunion.

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 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Many times I did disputed an account that showed as an adverse account in my Transunion credit report. I sent by mail and uploading online legal documents to support my dispute but the credit report company results indicated that this information wo n't be deleted.

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 2015-06-17 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 entered disputes with all XXXX bureaus. i do not know what steps to take next they told me to contact creditors for them reporting incorrect information. i sent them my police report and ftc statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Draper and Kramer Mortgage Corp.
State: IL

Complaint narrative:
1. I closed a loan with 1st Advantage Mortgage on XXXX/XXXX/XXXX. Apparently one of the documents I signed was a quit claim deed conveying title of my home from my trust to another trust with a different last name and my wife 's trust. This was not disclosed to me prior to the closing and was completely unnecessary to for the effectiveness of the mortgage given our home has been in my trust and my wife 's trust ( XXXX ) since we established the trust in XX/XX/XXXX. Moreover, we have refinanced our home at least 6 times with this same company since XX/XX/XXXX so this was not new information. 

2. I received a notice from the XXXX County Recorder of Deeds indicating possible fraudulent activity regarding this quit claim deed given the the last name of one of the trusts ( mine ) was different then their records. 

3. Even though the closing took place 2 months ago, I have yet to receive a complete set of executed closing documents. 

4. The loan is current and in good standing. XXXX XXXX debt service has been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: NC

Complaint narrative:
Pacific union financial was utterly incapable of providing a payoff letter and attempts to coerce you to refinance with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX Dob XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX I have XXXX closed accounts my closed credit card and my secured loan see info below, that are not displaying correctly on my Transunion Credit report, this is hurting my good credit history. 
Please update my Transunion profile with these XXXX accounts ASAP. 
Thank You XXXX XXXX XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Line of Credit Account Status Closed - Paid and Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit {$20000.00} Term -- Monthly Payment -- Responsibility Individual Account. Balance {$0.00} Highest Balance {$19000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times XXXX/XXXX/XXXX Days Late XXXX Remarks Payment History. 
. 
XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 60 Months Monthly Payment {$260.00} Responsibility Individual Account. Balance {$0.00} Highest Balance {$13000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times XXXX/XXXX/XXXX Days Late 0/0/0

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 2016-06-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
a state tax lien is showing up on my credit that does n't belong to me for {$1200.00} and its affecting my credit score.

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 2017-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion has been incorrectly reporting a state tax obligation that is based on address and not my social security number. I disputed the debt online trying to figure out why this is on my report. Contacted a third party company XXXX and they told me it was found in a public record upon doing my own research this tax lien number XXXX which is based on my address of XXXX XXXX XXXX XXXX IL. I contacted my local county recorder and they stated that indeed it is reporting from my address that my social security number is in no way tied to this debt. I than asked why they would report this to a credit bureau and they stated that in NO way do they report to credit agencies nor verify the information by phone and in fact the only way to get the report I would have to pay a fee which I declined to do. So I am not sure what method of validation they are using but it is incorrect and affecting my credit score and would like to plead to them to PLEASE remove this from my report. I am aware that due to the amount of time it has been on my report that it probably is n't hurting my score much but to start a new year would like to start establishing some credit and would like this unfair account removed. 
I am uploading the information I received regarding this tax lien

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 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent nor sign a contract to be a cosigner to a Student loan belonging to XXXX XXXX DOB XX/XX/XXXX through XXXX, PA XXXX, I want this loan information immediately removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I pulled my credit report and on it was listed a Judgement in the amount of XXXX for ADastra for a loan through XXXX. I have no idea what this debt is I have contacted the company as well as submitted XXXX disputes on behalf of this debt andt trying to get it removed. The company however has been nothing near helpful with the removal of this debt. They tell me that all they can do is accept a payment on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 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 paid my bills and they are still showing open

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Report No. XXXXREPORT DATEXX/XX/2015DISPUTE OPEN DATEXX/XX/2015COMPLETION DATEXX/XX/XXXX1. The above mentioned report does not mention the results/corrections performed to the report as a result of the inquiry. 
2. It does not mention the steps taken to do so either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 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:
Transunion is telling me that I was not affected by the computer glitch XX/XX/XXXX. So they are unable to remove the inquiries that were not there on my report previously. In addition to employees of transunion giving false names, not letting me speak to someone in position of higher authority, putting me on hold and not coming back to the line, and terminating my call. The inquiries have been deleted and reinserted numerous times XX/XX/XXXX. I did n't break the law, THEY did and they refuse to take care of the 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 explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over XXXX letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over XXXX letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!

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: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I had to file Bankrupcy and though the XXXX Ally Finical continued collection ativity. After my discharge and having reaffirmed the debt I arranged a payment arrangement to catch up on my past due and remain current. I received a " final demand ; letter '' despite my payment arrangement and I am being threatened with repossession despite thAlly agreeing to the payment arrangement being made and the Bankrupcy and collectiions person telling me that as long as I held to the arrangement this would not happen.

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 2015-07-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERNST, ARTMANN AND ASSOCIATES, INC.
State: CA

Complaint narrative:
I received a medical debt in the mail that was not mine. I wrote the collection agency Ernst , Artmann & XXXX, INC to inform them the debt was n't mine and I was a victim of identity theft. They responded by writing on top of my letter with " this is not a credit account ... '' and again I disputed the debt because it was n't mine and was a result of ID Theft. They again returned my letter I written with a handwritten response on my letter and failed to adhere to the fact the debt was n't mine and a result of ID Theft. This debt is fraudulent and has never been validated. It was been past the 30 days as law provides to validate this debt. 
I then check my credit and found the collection agency reported this fraudulent account on my credit file causing a major credit diminish to my exceptional. 
This collection agency never validated this debt within 30 days and then knowingly and purposely reported this fraudulent account that is not mine on my credit report. 
The is a defamation of my character, malicious intent and a violation of my FDCPA, CA XXXX XXXX and California Identity Theft Act

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like Chapter XXXX bankruptcy judgement removed on Transunion credit report and XXXX credit report.It has been passed seven years.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 2015-08-09 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 disputed with transunion last year in XXXX about discrepancies on my credit report. The balances were in accurate. There were some accounts showing late when they were paid etc. It took about 3 weeks to resolve but we did! I asked for a copy of resolve letter and they provided me with it. So my question is this ... Why is my credit still showing all these negative accounts!!! I have the document that they sent. If this is not resolved, i will be taking this to court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has refused to send verification of debt, that is n't mine, and they have n't responded to any of my disputes. I have already filed a lawsuit. They have gone against the law by refusing to delete items off of the report that do not belong to me. They had addresses that I had to call and ask them to remove that did n't belong to me. They have literally refused to remove the items off of my report that do not belong to me. I am tired of disputing and have been since XXXX of 2016. I am done trying. I have officially filed suit. The only way that I will withdraw it, is if they remove the items specified in the intent to sue letter. They also refused to remove inquiries off of my report that was removed in the breach earlier this year that they put back on there. Lastly, the only name that should be listed on the report is XXXX XXXX XXXX. That is 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