vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a complaint two weeks ago, and noting happened. I am filing a compliant once again with hopes that this situation gets resolved. I have contacted Transunion to remove incorrect items from my credit report and they refused to remove items that they relisted. The items are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Can someone please help me? I know what Transunion is doing is wrong, but I ca n't do anything so I am reaching out to you. I just want those items taken off that they relisted. 

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 2017-03-01 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:
My name is XXXX XXXX. I used to be XXXX XXXX. This was my married name. It shows on my report that XXXX XXXX is a name I used which is incorrect. It also shows I have worked at XXXX XXXX XXXX. Which is incorrect. My ex husband worked there. I have never had my name or social security number or co- signed anything with him. If this is my personal credit information why does his name and where he worked appear on my XXXX score. And also I have filed bankruptcy chapter XXXX and I did not put my auto loan on it. I am paying XXXX once a month in the amount of XXXX and I am up to date. It shows on my report account closed. Please help me resolve these issues.

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 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion said they investigated a judgement against me and that it showed a XXXX balance, but it is still showing an amount no discharged accounts can show an amount .The original basis for the judgement from XXXX XXXX shows a XXXX balance as it should but transunion is showing a dollar amount under civil judgement and is not showing it discharged in bankruptcy, so it is incorrect.

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 2016-07-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Solomon and Solomon, P.C.
State: CT

Complaint narrative:
As agreed i paid the amount that was owed. Account is closed and current and should be removed from my credit report. The amount Solomon and Solomon are reporting and the amount i owe XXXX were not the same which makes it look like XXXX different credit reportings. The collection agency did not ever contact me they just made a collection report on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was an authorized user on XXXX my father 's accounts but have not been for a while now. The credit card companies have removed me from these accounts yet they still continue to show on my credit report! How do I remove them from my credit reports? The accounts are XXXX XXXX and XXXX. Also my father 's name which is similar to mine shows on my credit report along with his home address. Why is this and can it be removed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX did not file their claim in a timely manner, as required by law, and is not entitled to the {$280.00} dollars, let alone the {$170.00} they have filed claim to. I have called them several times and each time I am told " they are investigating the issue, and although it appears their filing was not done properly, they are still investigating. '' Their official investigation was started XXXX XXXX. No other response has been given since, although I have called them at least XXXX times since XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 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:
XXXX XXXX was notified of my filing with local police and FTC identity theft. My account was used to obtain a fraudulent payday loan, they charged off the account for {$800.00} after dozens of calls and emails and letters. The {$800.00} is fees generated by the bank, it is NOT money that the bank paid on my behalf to this fraudulent payday loan. They tell me my disputes are frivolous and refuse to investigate. FTC CASE 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 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been a VICTIM of your " inquiry issue ''. 
XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX customer service would not help to take care of the negative inquiries reporting to 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 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I am a victim of identity theft and someone stole and used my personal information to open a XXXX XXXX XXXX Checking Account : XXXX and Money Market Rewards Savings Account Ending In : XXXX, the accounts are fraudulent, unauthorized and do n't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Look identity thief is the hardest thing to fix I will not pay for help to fix it this why I have had XXXX XXXX and XXXX I will not spend the rest of my years trying to correct this. It raises XXXX for someone to be low life and get stuff ber my name the only credit card I have is through my bank since XX/XX/XXXX. I 'm tired of all this because that 's how companies make money not from me, I live on XXXX a month I do n't even get bye there are XXXX items that should have been removed in XX/XX/XXXX went I sent first dispute to XXXX I will not continue to do it again they failed the first time. Funny my Senators replyed to amusing.

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 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have attempted numerous times to give TransUnion the opportunity to delete the late pays reporting to these accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX these accounts have not been verified nor did TransUnion respond to my request for method of verification per FCRA Section 611 ( a ) ( 7 ). These accounts have not been late and they have not been verified. I will also be sending this same complaint certified mail for the last time. If no resolution I will be sending a letter of intent to sue. Remove these negative marks immediately for there are damaging 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 non-monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I originally disputed an error on my Transunion credit report on XXXX XXXX, XXXX where they were showing a XXXX account as a collection account. I am a XXXX customer and I originally verified with XXXX that this was an error in reporting, they agreed, and told me to dispute the error with Transunion. Transunion never responded to me within the 30 day time limit as required by the Fair Credit Reporting Act. I sent Transunion a follow-up letter on XXXX XXXX, XXXX and they never responded until XXXX XXXX, XXXX! As per FCRA I want the item XXXX reported and that I disputed removed permanently from my credit report since Transunion did not respond to my original dispute dated 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 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my Transunion credit report. The credit report showed a credit inquiry by XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

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 2015-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CMG Financial Services, Inc.
State: MD

Complaint narrative:
Completed FHA XXXX refinance with appraisal in XXXX 2015 with CMG. Paid {$510.00} for appraisal all documents were correct at closing and all mortgage documents and FHA documents signed at closing reflect correct Mortgage Insurance Premium ( MIP ) of .0080 % for XXXX months. ( See attached docs ) CMG sold rights to loan before first payment due. After I made first payment I noticed that the servicer XXXX was deducting to much money from my escrow account for MIP. Contacted XXXX and they informed that the loan was closed with FHA as XXXX Refi without appraisal and the MIP was .0085 % for 30 years. I filed a complaint with the Comptroller of Currency as XXXX is regulated by them and they sent a resonse. ( see attached ) XXXX contacted CMG Financial because they caused the error. I recieved a letter from XXXX XXXX ( Vice-President of CMG ) ( see attached ). CMG offered to refund the excess for the life of the loan or refi at " no cost '' to correct the error. Upon research with the FHA the loan can not be corrected it would need to be refinance to correct the error. I spoke with the FHA and they said that refunding my money monthly was not allowed under their rules and I am not comfortable with that either because CMG no longer owns the rights to the loan and I have no guarantees if they become insolvent or are sold in the future that I will be refunded for 30 years. The FHA also said they require a " Tangible benefit '' to refinance my loan and I would have to agree to a new 30 year loan. I have already paid more than {$8300.00} in interest, MIP and UMIP on my current loan and do not want to lose that benefit because the loan company made an error. I agreed to a " no cost '' refinance into a 29 year conventional loan at the urging of XXXX VP. When the loan papers arrived for my signature they show that I must pay {$8500.00} to refinance. That is not a no cost loan so I contacted CMG and they stated that I would have to agree to pay or they would not refinance. CMG has left me with a defective loan and does not want to fix it because it is " too costly '' for them.

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: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was referred to XXXX XXXX I should have been referred to XXXX Labs for my lab work. My doctors referred me there. I have XXXX XXXX and have contacted them. I do n't think that I owe {$180.00} to XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX made an inquiry on my credit report without my permission and Transunion allowed them to. I am getting the run around from both XXXX XXXX and Transunion on why this happen and to cease this from happening in the future. After speaking with the XXXX person, XXXX, at XXXX and being hung up on 4 times he told me to contact you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have never been more than 30 days late with XXXX! My account is due on the XXXX of each month! They also called and offered me a deferment on XXXX XXXX and the they indicated that it was a promotion that they were running for all customers to skip XXXX XXXX 's payment. The customer service agent did n't put the extension in until XXXX XXXX, which is a mistake on XXXX 's end and not mine! I agreed to the terms and then 45-60 days late shows up on my credit report! I am demanding that this inaccurate information be removed from all of my credit reports and that includes XXXX, Transunion and XXXX! Even the resolution representative at XXXX requested that it be removed, because I have never been 30 days late. This is inaccurate information that must be removed from my credit report. As you see in the attachments is that I should not have a negative mark on my credit report. Under federal law the account has to be 30 days past due the due date to be eligible to be reflected on a credit report! They know that this information is erroneous and inaccurate. I was a few days late on XXXX 's payment and paid on XXXX XXXX, for XXXX, but I have never ever been 30 days late!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WAFD BANK

Complaint narrative:
My American bank, Washington Federal, has recently changed its policy regarding electronic transfer of funds to a non-US bank. For years, I have been able to make such transfers to a Danish account in XXXX, which I did most recently barely three months ago ( XXXX 2016 ). But on my latest transfer ( yesterday ), I was forced to have the funds sent as XXXX, with Washington Federal ( WF ) making the conversion. This is apparently a new policy. The XXXX bank 's conversion rate has always been more favorable to me than WF 's rate, and in this particular case, the fact that I was forced to have WF make the conversion cost me a full 3 % of the total amount of the transfer.

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 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have over XXXX inquiries on my Transunion credit report. 
unauthorized use of name

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 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Back in 2015 I noticed a fraudulent account on my TransUnion Credit Report under the name Credit Recovery I contacted TransUnion, and explained I was a victim of fraud, and in fact the account with Credit Recovery was fraudulent. The Representatives at TransUnion requested that I file a police report, and submit an ID Theft Affidavit along with my Identification. I went down to my local police station and filed a police report for the fraud account with Credit Recovery. I then mailed the police report, along with my ID Theft Affidavit, and all the documents that was requested to TransUnion. Approximately two weeks later I receive a letter back from Trans Union saying they were declining to block the accounts. I contacted Trans Union immediately, and tried to get a clear understanding as to the reason they refused to remove these fraudulent accounts from my credit bureau report. No one could provide me with a clear answer. A year later and still no resolve, I just got off the phone with TransUnion who are now saying they can not find my original police report, so they may or may not be able to dispute the items again. I 've done everything that TransUnion has requested and still there is NO resolve. Please help!!!!

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 2016-05-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I received a phone call on my employer 's phone ( I am employed through XXXX XXXX ) at which time I provided my cell phone number to the worker for all future contact. Today ( XXXX/XXXX/16 ) I received another phone call from the company on my work phone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC
State: MO

Complaint narrative:
American Credit Acceptance XXXX, SC XXXX On XX/XX/XXXX I received from American Credit Acceptance an Account Summary stating No Payment is Due Until XX/XX/XXXX. 

In a letter dated XX/XX/XXXX I received a letter stating I Owe {$800.00} for Late Payments. 

I have the Account Summary in writing stating No Payment Was Due until XX/XX/XXXX. 

The letter dated XX/XX/XXXX said if payment for full Amount of {$800.00} is not received by XX/XX/XXXX They plan on repossessing the car. 

I want an investigation into American Credit Acceptance For Criminal Investigation for Fraud. I purchased this Car paying XXXX. {$2000.00} down in Cash. 

Waiting for your reply. 

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 non-monetary relief
Consumer complaint received 2016-07-15 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 have contacted Transunion several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit file.

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