vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I received a plastic credit card from XXXX not long my bankruptcy had been granted. I called them wanting to know how long was the card good for and how much it was for. The person I talked to took it upon himself to do all of those inquiries.I did not give him permission nor asked about buying a car, ( I just got my drivers license back in XXXX of last year ) .i lost my license almost 20 years ago, why would I attempted to buy an auto if I could n't drive it? After joining XXXX I received several notices about the inquiries and after investigating I found out that the salesman at XXXX had been making all of these inquiries. I immediately called him and asked him what the XXXX was he doing, I did n't want a car I called asking questions and he knew that. As you can tell by the dates of the inquiries they were made on the same day.If you need proof of my license situation I can send you proof. I feel that these inquiries should be removed from my reports because I did not request them nor was I trying to buy anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 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 disputed a charge on my credit report through all three credit agencies. I just received notice from Transunion that the XXXX charge for {$18000.00} has been verified, no change. I did not make any charges to this company and have no idea what this charge is for nor who they are. I demand to see original documentation of said charges if they say they have some. I did not make those charges and realize this company most likely bought out some debt ; it was not mine. I want to see proof of original documentation of the debt. I call not only the company XXXX in question, but also Transunion for not properly having the documentation verified correctly. Obviously, since I did not originate this debt ; I have no paperwork to prove that. I did not originate this debt and it is not mine. I demand original documentation be provided and this charge will be removed from my credit report immediately. 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 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been disputing this situation for 2 years now. Transunion has kept a tax lien on my credit report from XXXX, XXXX, that has been paid. The other XXXX credit reporting agencies have removed the damaging information from my credit report. When I filed a recent dispute on XXXX/XXXX/XXXX, Transunion retaliated by dropping my credit score XXXX points, from XXXX to XXXX, without an explanation. I monitor my credit report so I know EVERYTHING that happens and why. They did not list a reason, so I can only conclude that it was in retaliation for the dispute. Low credit scores = high interest rates for their business buddies. I want my credit score restored or provide a WRITTEN reason as to why my score was decreased. Also, it seems that as soon as XXXX score gets above XXXX the other XXXX agencies drop theirs on purpose creating this chronic yo-yo effect for consumers, especially XXXX. Its economic genocide.

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 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has not conducted a thorough investigation my inaccurate accounts on my credit file with them. The accounts has very inaccurate items reporting that are not and could not have been verified. They need send me proof or I will be forced to file a small claims suit and FTC complaint. I am writing through my own due diligence and telling me that the verbiage of my complaint sounds like something I would n't write is an insult and will be noted as a stall tactic to not conduct a proper investigation. Attached is my identification to show that it is me. This is for file number XXXX Dated XXXX XXXX, 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 2016-10-05 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:
I disputed this and it has come back verified. I sent them everything letters, FTC affidavit they wont remove it. they wont re investigate properly.

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 2015-12-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
My account with XXXX XXXX is paid completely and closed in XXXX of 2013. As of now the account sits on the credit report as in collection and a separate collection agency for the account is there too which is ruining my credit and score. I disputed the item with all XXXX credit agencies but got no where. I am attaching all document for your information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I 'm writing in regards to a response received for a dispute filed with TransUnion. I have been disputing since XX/XX/2016 information on my credit report regarding XXXX creditors - XXXX, XXXX/XXXX and XXXX. TransUnion has responded saying " XXXX-CONSUMER DISAGREES. '' They did not address the specific question I asked about. I was not asking for verification or accuracy of the accounts. My specific issue stated I consolidated XXXX loans, per the loan consolidation features, the loans that were consolidated should show a XXXX balance ( which it does ) and payment history removed. This has not happened, and was not addressed by TransUnion. Secondly, 1 of the creditors ( XXXX/XXXX ) is incorrect. The lender for that account is not XXXX. I even contacted XXXX, provided my SSN and they are unable to locate anything in my name with them. On this alone, this should be removed, but this was completely ignored by TransUnion. 
In summary, XXXX/XXXX is incorrect, and this fact was ignored by TransUnion. The other accounts were addressed but my letter and specific points were not, nor was any proof of documentation provided. 
I have attached a copy of my letter sent to TransUnion as well as their response. Also included is my identity verification. 
Thank You, 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 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Initially I disputed several accounts, which came back verified. I believe the investigation is questionable.

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 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX lost XXXX of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff

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 2016-03-09 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:
Trans Union offered me a credit monitoring program and I religiously monitor it do to the persistent ID Theft that has plagued me for the past 3 years. In viewing my most recent report Trans Union listed a Collection account sinking my score, It is fraudulent yet they wo n't list the name of the company. They also reinserted XXXX FRAUDULENT INQUIRIES into my report and sent me a hard copy of apparently XXXX separate files. This is a clear violation of FACTA, and Federal Law. I have resent them XXXX, the XXXX Police Reports, FTC ID Theft packet, XXXX Inspector REPORT, and copy of my identity to request an update to my fraud alert phone number to remain vigilant of updating. 
The mere fact they have placed a fraudulent debt collection account on my report and reinsertion of XXXX prior deleted Inquires that I protested through many avenues, the last is going to be legal, dealing with there repeated obstructs is tiresome and I am tireI want them investigated and am attaching a copy of the most recent Trans Union report along with Police affidavit and FTC ID Theft Packet, I also today contacted the XXXX, and XXXX along with the FTC and XXXX of there dereliction of duty.

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 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I 'm am trying to clean up my credit, during this process I noticed an entry from XXXX XXXX. XXXX bought an old note for a XXXX mortgage on a property that was foreclosure on my a sheriffs writ. It has been over 6 years since the foreclosure and XXXX XXXX nor anyone else has sued me for this mortgage thus the statue of limitations on contracts has expired. The eliminates any right for green tree to try to collect this debt. I do understand that they can keep reporting this on my credit report for 7 years but they are stating the account open and owing 15 thousand dollars. They are reporting it incorrectly. Any major purchase will be denied because they have me owing them money on a second mortgage that was foreclosed on and is no longer mine. this XXXX mortgage was signed for on XXXX and the official deed was transferred via sheriffs writ on XXXX. I have attached a copy of the deed transferee as proof. I have never heard from XXXX XXXX on this mortgage and they have never reported it on my credit report ever until recently XXXX. They have never made any contact with me on this issue until 6 years after foreclosure. I need this taken off or reported correctly as not owing this money. I have also enclosed a copy of the letter to XXXX XXXX which has shown absolutely no response. Lastly I contacted Transunion, XXXX and XXXX to dispute it they now show this entry nor the account number ( both in the letter attached ) is no longer reporting this. My creditor has a copy of my credit report that does show the entry. I have spoken to green tree and they will not report it any other way than open and default of 15 thousand dollars even though they have no legal right to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 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:
Checked my credit report and it is showing a delinquency on a credit card that I do not have. Says I have a past due balance with XXXX and I do not have a XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have been disputing incorrect information for months now. I have information previously saved where inquiries were not on my report when I logged in last and now it 's showing as a hard hit more than once. They 're also reporting wage earner accounts as past due and late, as well as stating it 's a open account. XXXX inquiries fell off my credit report and my credit has gone down. I have pictures and recordings and Transunion and XXXX basically puts what they want on your credit. I have sent them information in a few times and still no results. The attachment that is shown below verifies I have no past due accounts and now my credit report says that an old account is past due.

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 2015-12-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On my report is states that I have XXXX XXXX XXXX XXXX XXXX accounts that are shown as a negative impact. However, all of my student loans are and have always been in good standing. They were all consolidated into a total of {$72000.00} which is list as a positive impact on my credit score. The XXXX XXXX accounts are listed twice basically, XXXX which is inaccurate and itemized as negative. And the second which is correct, as a positive impact. I 've reached out to XXXX XXXX which is now XXXX and they stated they show these loans were consolidated and paid in full. However, the negative marks are still on my credit report which credit reporting agencies refuses to correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 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:
On XXXX XXXX 2015, I mailed Transunion and the XXXX other bureaus my request for an investigation into several erroneous accounts being reported by creditors and collection companies alike ( see attached dispute letter sent to Transunion ). The majority of these accounts were called upon by me and the creditors were not able to verify the ssn and my date of birth. Almost all accounts were subsequently removed by XXXX and XXXX. However, I received a bewildering response from Transunion dated XXXX that all accounts had been verified ( see attached dispute results ). When I called Transunion, I was told that all items were legitimately verified, however when I asked for the contact information of the individuals they contacted, Transunion was unable to give me any such information. Transunion it seems has not conducted any comprehensive information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX addresses reported on my report are incorrect, I have never lived at either XXXX XXXX XXXX XXXX in XXXX, Tx. or XXXX XXXX XXXX XXXX in XXXX, Tx.. I would appreciate these entries being removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX account billing is incorrect, account not mine, in another state, Ohio.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Trans Union refuses to remove student loan accounts that have been discharged by the Department of Education on XXXX XXXX 2016. The accounts are with XXXX and with XXXX. Trans Union is reporting incorrect account numbers on the Dept of Edu/XXXX accounts ; the XXXX account is properly reported as XXXX ... I have attached documents from XXXX, service for the Department of Education, proving that these loans have been discharged and paid in full and at XXXX balance and should be removed immediately from my Trans Union 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 non-monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
When I was XXXX year old I wanted to purchase a car. I knew that I was n't going to able to purchase without a co-signer. So, I asked my parents to co-sign but they told me that they could n't co-sign because I was n't financial stable, my credit was not established and I did n't hold a job for more than XXXX weeks at a time. Prior to purchasing the car I had over XXXX jobs between ( XXXX through XXXX of XXXX ). Eventhough, I knew there would be no way somebody would loan me any money to purchase a new vehicle, I still decided to explore on my own one weekend in XXXX XXXX. I ended up at XXXX XXXX XXXX XXXX in XXXX, MO. Where I was greeted by a salesman named XXXX. I test drove a XXXX XXXX XXXX charger and was told that I would n't have no problems getting approved. Well, I was astonished that I actually got Approved to purchase the car. The car loan was for {$25000.00} for 7 years. I traded-in my XXXX XXXX ( my parents ) for {$1000.00}. Prior to getting the news that I was approved I told the loan officer my income/credit situation. Which was this : The year prior ( XXXX ) of purchasing the vehicle I only made {$5600.00}. I bounced around from job to job. No stability whatsoever. XXXX, the year I was approved for the loan my income for the year was only {$10000.00}. But I purchased the car in XXXX of XXXX which was only the first 6 months of that year of making {$10000.00}. I had only been on my job for XXXX weeks. My credit was n't too terribly bad but none the less, my income alone should of raised a RED FLAG!! I had XXXX loan out for XXXX which my parents co-signed to try to establish some credit. That loan was through XXXX. The payments were {$120.00} a month for 18 months. My car payment is {$450.00} for 7 years. With an income of only XXXX the year before and I already had an an installment loan out for {$120.00}. I was baffled as to how I was Approved for this car loan. My life since having this car has been, to say the least, so Stressful trying to keep up with these payments. Which I have n't ... .the car has been reposed once and as of now looking to be reposed again. My parents have helped me out making my car payments numerous times and they will not continue to do so. Because of the economic conditions of the job market, I as still struggling to finding fulltime work with my experience. I am now XXXX year old and my credit has bombed. I should of never been approved for this amount of loan with this high payment with my credit, financial situation back in XXXX. I am so depressed because of this situation and need you to reevaluate my situation and make this right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation