vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion removed the inquires due to a glitch in their system and then reinserted the information. 

Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX caeds from XXXX popped up on my credit report lowering my score significantley. i want proof these are my bills

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

Complaint narrative:
I spoke with the US Dept of Education in XXXX today regarding my $ XXXX student loan. They stated that they reported to the credit agencies way back at the end of XXXX, 2015, that my account was paid in full and that all remarks and negative history should have been removed. They said that it is the obligation of the Credit report agencies ( all XXXX ) to remove all information off my account permanently so it does not stay on my report for XXXX years. All this derogatory information is still on my credit report and it is now almost XXXX!! I have to move and this credit score is disrupting my life and unjustified!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX/XXXX/2016, I spoke with Transunion 's Supervisor XXXX and he indicated that even though I submitted documentation to support my recent credit reporting disputes Transunion is not responsible for looking at disputes. The creditor is even though I provided official documentation from the creditor. So Transunion has failed to uphold their investigation.

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 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The account with The XXXX XXXX ( XXXX ) is not mine. It is someone else 's who added me to their account. I do not have a card nor have I ever used the credit. Therefore, any delay in the other person not paying their bill should not be added to my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I HAVE DISPUTED MY CREDIT REPORT WITH XXXX FOR MONTHS NOW AND THEY WILL NOT CORRECT MY CREDIT REPORT. THE FOLLOWING ACCOUNTS ARE INCORRECT ON MY REPORT. 
-PERSONAL INFORMATION - MY NAME IS XXXX XXXX XXXX XXXX I HAVE SENT THE CREDIT BUREAU MY DRIVER 'S LICENSE AND SS CARD AND THEY HAVE NOT CORRECTED THIS INFORMATION ON MY REPORT. THEY HAVE XXXX NAMES ON MY REPORTS WHICH SETS ME UP FOR IDENTITY THEFT. 
-STUDENT LOANS - STUDENT LOANS ARE REPORTING AS LATE. I WAS XXXX AT THE TIME AND MY PAYMENTS WERE DEFERRED. YOU CAN NOT HAVE LATE PAYMENTS IF THEY ARE DEFERRED BECAUSE NOT PAYMENTS ARE DUE - THIS CREDIT REPORTING AGENCY HAS CLOSED ACCOUNT ON MY REPORT FROM XX/XX/XXXX. BY LAW, THESE ACCOUNT SHOULD HAVE CAME OFF OF MY REPORT IN XX/XX/XXXX ( 7 YEARS ).

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 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
paid bill in full 2008 please removed of 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 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: TX

Complaint narrative:
I have been reading through a number of on line publications and still ca n't find a clear answer to my question. What are my rights to receive my monthly statement from my mortgage company in a timely maner? Two months ago I received my statement at the beginning of the month and my bill would be due on the XXXX of the following month. The next month it was n't printed till the XXXX and I did n't receive it till the XXXX for a bill due on the first. This month my bill is due in 8 days and I have n't received any statement at all from my mortgage company. I live in Texas. Is there a federal or state law that protects my rights? especially when there is a penalty for late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I filed a complaint with Transunion through this website and they continue to tell me that they will get back with me in 60 days. THEY HAVE NOT! They continue to say that they verified the bankruptcy that is on my credit report through XXXX and XXXX! 
In the case of XXXX v. XXXX the court ruled that they ca n't claim any court or government agency investigated or verified any public record, and that means they ca n't claim they verified it through a court website or XXXX. All those court websites state they do not guarantee the accuracy of the information on the website, and no third party looking at court records is qualified to make a verification as they are not a first hand party and have no first hand knowledge. I am Demanding to know who claimed to verify and I want their name, company they work for and all their contact information as they are slandering you and liable should you take legal action against them and their vendor. 
Please also note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ). 

This company does not care about the law and keeps making these errors that they are fully aware of that is an error! This will be my last complaint. I NEED TO HEAR BACK FROM THEM OR I WILL TAKE THEM TO COURT AND SUE THEIR 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 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Applied for an XXXX XXXX XXXX credit card ... ..was turned down! My credit has always been excellent! When I received my letter in the mail the reason why was based on the applicant was deceased! Im alive and well ... .not sure where to go to clear this up! 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 2017-02-23 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 have not received my disputed results from Transunion since XX/XX/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Account Discovery Systems, LLC
State: PA

Complaint narrative:
Have not contacted me, personally. Have contacted my parents and my husband 's parents. Stated he was an attorney ( they could n't, for certain, state his name because some words were specifically pronounced so as not to clearly be understood ) and stated there was an issue with my social security number. I am CERTAIN they can not ask for this information without my consent. The name on the caller ID was shown as XXXX and the number given to contact was XXXX. I did not return the call to either number as I have no idea who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a true credit monitoring service and was alerted at the beginning of this month that a state tax lien has been added to my report. I tried to dispute it online but I am locked out of disputing which I do not understand since I pay every month for this service. I have called in 4 times this month and told them I have no such lien and it is still there!! It is not on XXXX or XXXX and never has been. I also went to the XXXX County Courthouse and was given a letter stating they have no such lien against XXXX XXXX at XXXX XXXX XXXX, XXXX sc XXXX with social XXXX in amount of {$5300.00} and have not supplied such information to transunion. I am trying to buy a house and they have ruined my credit. I need this deleted asap!!

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 2016-05-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mark A. Kirkorsky, PC
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I received a letter from a debt collection agency, Mark Kirkorsky P.C. Law Office of XXXX XXXX ( XXXX ), it claimed that I was liable to XXXX XXXX XXXX ( XXXX ) for a non payment of a service XX/XX/XXXX. XX/XX/XXXX, I was a property manager and managed a rental home for my client at XXXX XXXX XXXX XXXX XXXX XXXX CA. We had a XXXX XXXX XXXX XXXX to do all the appliances repairs. I filed a claim through the home warranty company and XXXX approved the claim and authorized, hired XXXX XXXX XXXX XXXX and did the service. On XX/XX/XXXX, I received a phone call from Mark Kirkorsky Law Office ( XXXX, XXXX XXXX ) and said I owe {$290.00} to General Appliances XXXX. I was shocked regarding such a phone call. After I did some investigation, I have learned the XXXX had billing issue with the home warranty company and finally they turned the bill to the collection agency. However, Law Office of Mark A. Kirkorsky PC does not right to pursue me to pay them on the service for these reasons : 1 ) I did not hire them for the service and I did not have service contract with them. They were hired by the warranty company and they had contract with home warranty company ; 2 ) I was not a home owner or landlord on that property. I was a property manager at that time. I was not a beneficary for that service. The debt is not mine. I am very concerned about this debt collection agency that they did not fully verify information before sent out collection letter and they made harrassment phone call to me. The unpaid bill was involved with home warranty company and billing collection problems between warranty company and service provider XXXX XXXX XXXX XXXX XXXX. They should not get the property manager involved and liable for non payment. The debt collection should sue and get judgment from XXXX XXXX XXXX XXXX but not me, a property manager.nstead, I never authorized the service contract and never hired the service company myself. We used XXXX XXXX XXXX to cover our repairs and expected XXXX XXXX XXXX to take care of the bill. The debt collector chases the wrong party.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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:
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question : XXXX XXXX/XXXX/XXXX Banking XXXX Card XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Banking I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.

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: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SIERRA PACIFIC MORTGAGE
State: CA

Complaint narrative:
We requested to our mortgage company to remove the PMI. They stated that a letter would be sent once the request was processed. Two weeks later, we followed up and were told the same thing. Another few weeks pass, and after another follow up, we are told letter will be sent. Finally, after 4 weeks a letter arrives stating that our request was denied due to XXXX late payment, and a new request can be made after 1 year. 
So, one year later and no late payments we make a new request to remove the PMI. After 1.5 weeks, we receive a letter denying our request, and no specific reason is stated. Rather a supplemental document is attached outlining the investors guidelines. 
This mortgage company is basing the current LTV on an appraisal done 2+ years ago. They are not allowing us to reappraise the home so that the current LTV can be generated and considered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
origional account went delinquent with XXXX dept. of human resources XX/XX/XXXX made payment arrangements that have been made but have never become current. account transfered as chargeoff collection to XXXX dept of human resources XX/XX/XXXX. account does n't show origional delinquency date of XX/XX/XXXX but instead shows date of the transfer as the origional delinquency date. company deleted item from report and readded it this month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was in the process of putting my student loans in In-School Forbearance. During that period my student loans went into 90 days late payment. I did not realize this! I would have paid during that time, but received no notification at the address I lived. I did not know. I have disputed this twice with my student loan provider and with the credit bureaus, but they have not taken it off of my credit report. It has negatively impacted my credit, but they have made no adjustment or had no mercy though I have no previous record of late payment, or any following this incident. Thank you for your 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 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have public records reporting on my credit report that are due to identity theft and I would like to them be finally be removed and blocked permanently from my file. I have attached an updated copy of my FTC fraud identity theft affidavit which lists the fraudulent public records and it is signed and notarized by my local law enforcement and the court. i also have a letter from the United States Government showing proof my identity was stolen along with my fingerprints and my social security number and all of my personal information for someone to act as me and file taxes and other things under my name illegally they say it was part of a cyber hack. Please read over it carefully to fully understand my misfortunes and the current hardship this disaster has caused me. I 'm currently trying to get a mortgage for my family and I ca n't with these fraudulent public records on my file so please remove these immediately upon receipt of this complaint

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 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello Consumer Finance, I 'm not sure where to even begin! I have been battling with Transunion for the last few months and as of late I submitted a complaint against them. I 've had some fraud on my report and its been acomplete nightmare for me. Since I travel I guess I 'm an easy target. AND now it almost seems like experience is retaliating against me in the form of negative reporting. I 'll give you my evidence and what happened and hopefully we can make some sense of it. There was an XXXX ( # XXXX ... ... ) & an XXXX ( # XXXX ) that were and haven {$0.00} balance for years.no balance owed nothing. I filed a complaint against Transunion about 2 weeks ago and as of yesterday morning. Those accounts mentioned both have a balance of $ XXXX. and was reported as a new charge-off and derogatory. ( according to the credit monitoring ). This has sent my credit into a tail spend and my stress and health are taking a toll. Please help me. Here is the attached screen shot showing the XXXX balance chargeoffs for the exact amount and how they showed out of thin air. 

I 'm already fighting with someone using my social and now I have to fight a large company ... I do n't stand a chance. and I think they know that so they keep doing stuff like this to people.

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 2015-10-19 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:
A XXXX card account was opened fraudulently in my name and I have been disputing this account for more than 3 years since I found out about it. The credit reporting agencies are not persistent in assisting me get this account removed. The company states that I opened because the info used to open it matches my location and description at the time it was opened, however the handwriting does not match and the area where the purchases were made is no where near the location I was residing. I just want my name removed from this company 's files and for my reports to reflect as such.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 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: UT

Complaint narrative:
I have disputed inaccurate, unverifiable negative information on my credit report with transunion, XXXX, and XXXX. I have not recieved any information on any investigation on the disputes that i have made. If account information was updated the results would reflect on all XXXX bureau 's after a very short time. The same time frame should reflect on deleted accounts. The fair and accurate credit reporting act has been violated by the XXXX credit bureaus by not updating there investigation results upon conclusion of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
We filed a complaint with XXXX XXXX about the fees that involved a lease agreement with XXXX XXXX XXXX ( located in XXXX, XXXX XXXX ) Place on XXXX/XXXX/2014 ( certified mail Receipt ), asking this company to dispute the charges. XXXX XXXX never responded to my request after 30 days. 
XXXX XXXX waited 45 days later and placed this item on my credit. They never disputed my item with the company. ( XXXX XXXX located in XXXX XXXX or Leasing agency ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
New billing date and amount.My report should not read late nor past do.New terms, payment due ... XXXX, {$230.00} for 6 months .... Please update 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