vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My reports shows judgement it 's not mine I have been disputing for several months but still on XXXX credit bureau also I did offer in compromise with irs and paid settlement in my reports showing judgement from irs collection when I settled with irs I need my reports corrected asap please

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 2016-10-25 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:
Noticed some fraudulent stuff on my credit reports and did n't know what to do. Call and asked around everywhere I went, XXXX, ftc, now here said to file theft affidavit. I 've tried to work with this bureau but they wo n't help. Attached is my file and let me know if you need me to do anything else.

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 2015-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: TX

Complaint narrative:
My mortgage company increased my monthly amount from {$860.00} to {$1100.00} for the next 12 months. I was told by them that my property tax and home insurance increased and they paid the increase in my behalf for a year. I asked why was n't I notified when this increase first happen.i informed pacific financial union that I did not receive a phone call or letter until they increased my monthly mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I pay that account on time and on my credit report show the account stay open

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX found identity theft occurred. An Investigation Letter will be mailed to me showing the charges made under my name and SS were fraudulent. 
I will receive a Fact Act request in the mail to fill out to obtain the details of the identity theft. 
Details of fraud. Account opened XXXX XXXX online using my social security number for purchases totaling {$920.00} under the edge program. Under the edge program items are billed to the recipient. The goods consisted of XXXX 5s iPhones and other merchandise. 
The merchandise was delivered to an address in my City and signed for. 
The unpaid items were turned into the credit card reporting agencies as delinquent XXXX XXXX 2015 for {$920.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 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:
Delinquencies which occurred XX/XX/XXXX and XX/XX/XXXX have been re-aged, and are being illegally reported well past the Statute of Limitations for reporting negative credit information. I contacted TransUnion in writing ( proof of mailing and delivery receipt attached ) on XX/XX/XXXX, and again on XX/XX/XXXX regarding an accusation of re-aging a total of XXXX accounts from former student loan debts ( now paid in full as of XX/XX/XXXX ). On both occasions, I requested copies of my Consumer Disclosure files to obtain concrete evidence that my debts had been re-aged and were being reported illegally. 
Both requests for the documented payment history in my Consumer Disclosure files have been ignored, and the accounts erroneously " updated '' without any written proof of verfication whatsoever. A total of forty-one ( 41 ) missed payments are being illegally and improperly reported as of this date, XX/XX/XXXX. This has hurt my ability to obtain credit, and I continue to suffer damages as a result of this illegal activity by 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 2016-10-05 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:
I attempted to send a dispute letter via US Postal XXXX to the address listed in several parts of their website and forms as XXXX, XXXX, PA XXXX. The USPS said that XXXX is no longer valid. I finally found an alternative on a consumer watch group website. Please require TransUnion to update all references to their old address as they are avoiding receiving complaints this way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Consumer Financial Protection Bureau To whom it may concern, I started this dispute with all XXXX credit bureaus TransUnion, XXXX, and XXXX on XXXX XXXX t 2016. I done so via : calling, faxing, and mailing in my original disputes. I received a responses from all XXXX credit bureaus, stating that my disputes were resolved. However, something has went terribly wrong, in a matter of days I have had to open all disputes and they have dropped my credit score over XXXX of points. Due to the inaccurate reporting I have lost the ability to obtain my business loan and my down payment for my business. Every time I have contacted them they open another dispute for another 30 days. I do not have another 30 days from never. I have also contacted the companies that they claim have these things and other inaccurate reports on my credit and the companies do n't even have the paperwork to substantiate their claim this is further cause me to stress and I would like for them to cease and desist any further derogatory activity on my credit I am including all the documentation that I can find VA email and any other little disputes also a copy of my credit scores last week my current score is now a copy of my student loans and their current and when they 're due and anything else that I could find that could include of a along with the original documentation this process has been most stressful

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 2015-07-11 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:
There is a charge that said XXXX then a creditor took it and charging me for debt i do not have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have a revolving credit account with XXXX XXXX My payment is set up on autopay where they take it directly from my Bank Account . Once a year they for no reason stop withdrawing the payment and do not notify the consumer. They then report it as a late pay to the credit reporting agencies. XXXX is a company that extends credit to people with low credit scores. I believe they use this practice to keep your scores low so that you must purchase from them. I contacted them about the issue they refused to resolve it or let me speak to a supervisor. I also disputed it with all XXXX major reporting agencies who did nothing.

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 2016-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from Ad Astra Inc I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD Astra Inc in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Several times I disputed this account with nothing updated. My auto loan with XXXX is being paid as agreed. I have attached payment history and my account is current. Please help assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
# 1 TransUnion is reporting XXXX XXXX as well as XXXX XXXX and it is the same account. that is double jeopardy and must be removed as only the company that actually holds the account can report the account. If they are both reporting it, it looks like I owe twice the amount on my credit summary. The original creditor does NOT hold the account anymore, therefore it must be removed or must show that it was transferred to another company, which it does not. Please see credit report that is attached. 

# 2 TransUnion reinserted XXXX XXXX after it was removed from my XXXX/XXXX/16 credit report and I am not seeing it back on my XX/XX/XXXX report and I was not notified within XXXX business days of said reinsertion which is a violation of section 611 # 2 I 've notified TransUnion that they have the wrong filing date on the bankruptcy and they came back saying that " bankruptcies will stay on your credit report for 7-10 years ''. I never asked how long they stay on there! I also wrote the court and their response was that they dont do any verification whatsoever with the credit bureaus and so, in consideration of the fact that they can not verify this and that they are reporting it incorrectly it must be removed. In addition, I did not give my authorization for them to report it on my credit file pursuant to FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;

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 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I noticed an account in collections on my Credit Report back in XXXX and disputed. I received an Email on XXXX stating that it was in fact an error. To date, the collection is still on my credit report and has not been removed. I disputed this with Experian and the report number they gave me was XXXX and my investigative ID was XXXX. This needs to be removed as I am building my credit and this just hampers my attempt. 
I have pasted the email I received : The results of your investigation of information in your Experian personal credit report are now available for online viewing. For your protection, please review your results online within four days of the following date : XXXX review your results, go to the following URL and enter the requested information. XXXX Report Number is : XXXXYour Investigation ID is : XXXXThank youThis notice is systematically generated. Please do not attempt to reply or send email because we can not receive it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
never lived in XXXX ms

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13 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: NY

Complaint narrative:
I have tried fro three months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time. Attached is the last letter i sent this credit reporting agency

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 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There was a discrepancy in the family as to who was paying a Funeral Home bill in XX/XX/XXXX. After some deliberation, in XX/XX/XXXX, I finally paid the bill. It remains on our credit report as an unpaid ( we pulled our credit reports approximately XX/XX/XXXX ). We would like to get this paid bill off of our report, which supposedly is done by the either the Funeral Home or another entity, not ourselves.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Trans union had several computer breaches in their systems that violated the rights of their consumers under section XXXX XXXX I have been gravely affected and my score is suffering as a result. the computer glitch that caused all of the inquiries on my credit report to be deleted and my score was increased as a result. The very next week all the inquiries were reinserted to my credit report without prior written notification which is a direct violation of sec XXXX XXXX of the Fair reporting Credit act. I have spoken to several reps of Transunion and they acknowledged that there were several security breaches that happened them in 2016 affecting their systems and credit reports, but they refused to fix thier error regarding my credit report, I am requesting that the reinserted credit inquiries, be permanently removed. I demand the following inquiries to be removed from my credit report immediately. ( 1. ) XXXX savings on XXXX. ( 2. ) XXXX on XXXX. ( 3 ) XXXX on XXXX. ( 4. ) XXXX on XXXX. ( 5 ) XXXX on XXXX. ( 6 ) XXXX on XXXX. XXXX on XXXX. ( 7 ) XXXX XXXX. ( 8 ) XXXX on XXXX XXXX. ( 9 ) XXXX on XXXX. ( 10 ) XXXX XXXX on XXXX. ( 11 ) XXXX on XXXX. ( 12 ) XXXX on XXXX. ( 13 ) XXXX XXXX. ( 14 ) XXXX on XXXX. ( 15 ) XXXX CARD XXXX. ( 16 ) XXXX CARD on XXXX. ( 17 ) XXXX CARD on XXXX. ( 18 ) XXXX CARD on XXXX. ( 19 ) XXXX CARD on XXXX. ( 20 ) XXXX CARD on XXXX. ( 21 ) XXXX CARD on XXXX. ( 22 ) XXXX XXXX on XXXX. ( 23 ) XXXX on XXXX XXXX. ( 24 ) XXXX on XXXX. ( 25 ) XXXX on XXXX. ( 26 ) XXXX on XXXX. ( 27 ) XXXX on XXXX. ( 28 ) XXXX on XXXX. ( 29 ) XXXX on XXXX. ( 30 ) XXXX on XXXX. ( 31 ) XXXX on XXXX. ( 32 ) XXXX on XXXX. ( 33 ) XXXX on XXXX. ( 34 ) XXXX on XXXX. ( 35 ) XXXX on XXXX. ( 36 ) XXXX on XXXX. ( 37 ) XXXX on XXXX. ( 38 XXXX on XXXX. ( 39 ) XXXX on XXXX. ( 40 ) XXXX on XXXX. ( 41 ) XXXX on XXXX. ( 42 ) XXXX on XXXX. ( 43 ) XXXX on XXXX. ( 44 ) XXXX on XXXX. ( 45 ) XXXXXXXXVISA on XXXX. ( XXXX ) XXXX on XXXX. ( 47 ) XXXX on XXXX. ( 48 ) XXXX on XXXX. ( 49 ) XXXX on XXXX. ( 50 ) XXXX on XXXX. ( 51 ) XXXX on XXXX. ( 52 ) XXXX on XXXX. ( 53 ) XXXX on XXXX. ( 54 ) XXXX on XXXX. ( 55 ) XXXX on XXXX. ( XXXX ) XXXX on XXXX. ( 57 ) XXXX on XXXX. ( 58 ) XXXX on XXXX. ( 59 ) XXXX on XXXX. ( 60 ) XXXX on XXXX. ( 61 ) XXXX on XXXX. ( 62 ) XXXX on XXXX. ( 63 ) XXXX on XXXX. ( 64 ) XXXX on XXXX. ( 65 ) XXXX on XXXX. ( 66 ) XXXX on XXXX. ( 67 ) XXXX on XXXX. ( 68 ) XXXX CARD XXXX on XXXX. ( 69 ) XXXX BANK on XXXX. ( 70 ) XXXX BANK on XXXX. ( 71 ) XXXX XXXX on XXXX. ( 72 ) XXXX BANK on XXXX 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 explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Against : XXXX illegal credit reporting The collection agency has violated the Fair Debt Collection Practices Act. Has never communicated with me, I am requesting proof that they communicated with me if they are claiming so ( mail tracking, etc ). A collection agency can create a letter, at anytime, back date it, and falsely claim that they have sent it to the consumer. This has become common practice for collection agencies which they conveniently " do not have any proof that the consumer was notified ''. As a consumer I never had the chance to ask for proof of Debt or communication with this company. As a part of this claim, I am willing to provide concrete proof, legal documents which show that I lived and worked in a US Territory.

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 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX on my credit report should be deleted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXransUnion Consumer Solutions XXXX XXXX, XXXX XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. My correct name is XXXX XXXX NOT XXXX XXXX XXXX THOSE ACCOUNT DOES NOT BELONG TO ME I NEED THEM REMOVED OF MY CREDIT PROFILE If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$10000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX SOC SECXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief