vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I had a JCPenny credit card administered by Synchrony Bank. I paid my first purchase in full on XX/XX/XXXX, a few days before the due date. I used my bank 's online payment service. The transaction was successful. About 2 weeks later, I received a robocall asking me to identify myself. The recording did not identify the caller in any way, it simply asked me to hit 1 if I was myself and 2 if I was someone else. I believe that the caller should identify themselves, so I did not answer. I did speak to a representative. She also would not fully identify the company. She kept saying " Synchrony Bank '' and that she was trying to collect a debt and was I myself. But she would not tell me who I supposedly owed money to, until I finally identified myself. Then she finally told me who I really was dealing with - my JCPenny account. She said I was past 30 days overdue. I told her, no, I had paid that in full. I told her to cancel the account. I do n't care to do business with a lender that disguises their identity and harasses me with intimidation tactics such as robocalls demanding my identity and lying about the circumstances. The bill was due XXXX XXXX, and they claimed I was 30 days past due on XXXX XXXX. There is no way that is possible. After some investigation, I discovered that I had the wrong account number in my payment information. This was my error. However, Synchrony accepted the payment against an account that I had closed long ago. If they had not accepted it, I would have been able to correct the error immediately. They also made no civil attempt to communicate with me. The call arrived before my next statement, so there was no written communication indicating that there was a problem with the account. The call itself was inappropriate - the lender/collector is supposed to identify themselves. They should not be able to lie about the debt itself, which they did in claiming it was more than 30 days overdue. Synchrony is pretty sure that they 'll remove the {$25.00} late fee from my cancelled account, but equally sure that I will be charged the interest for the payment that I made on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX XXXX 2016, i Checked my credit on credit karma and had a total of XXXX hard inquires removed from my report. I checked my account on XXXX and all XXXX hard inquires were placed back onto my account without sending me a reinsertion letter as required by fcra section 611. I have been calling transunion ever since and received no help. no one will transfer me, no one will connect me to an XXXX representative or the fraud department. multiple agents have been belligerent, some have told me that they know what happened but its basically too bad and i should simply file a complaint because they will not fix it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01 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:
On the credit report of Transunion. IT shows the accounts of XXXX # XXXX and XXXX # XXXX of showing on my credit report. These accounts are not mine and have been reported to the police as fraud. I have also attached the police report to the dispute. Please remove the accounts from my Transunion 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 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: WA

Complaint narrative:
I found on my TransUnion Credit Report hard inquiries that I did not authorize. I contacted TransUnion to remove these from my report and they refuse stating that the inquiries are a factual record. I have tried several times to get these removed since I did not authorize but TransUnion continues to remove. These inquiries are from XXXX, 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 2015-08-31 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:
Transunion will NOT take off my credit reportXXXX is reporting on my credit report for Transunionthis is a fraudulent charge ... .... After a year of fighting XXXX that it was not my debt XXXX has sent me documentation that the charge was not mine. 
Numerous occasions I have faxed the information and mailed the documentation to Transunion they have claimed they have not received. 
Fax on XX/XX/XXXX and put in mailFaxed on XX/XX/XXXX - dropped in mailFax on XX/XX/XXXX - dropped in mailagain on XXXX/XXXX/2015 to supervisor XXXX still they claim they are not receiving anything. 
I have received a fax confirmation that the fax has gon thru each timeconfirmed the fax number ; file number and Transunion confirms correct informationTheir response is they can take up to XXXX months to correct. Funny how that in XXXX year of disputing they can communicate with the collection companies via portal but the consumer when inaccurate accts. on report we have to fax ( which they never receive ) or MAIL. who mails anything. They just sent me today an updated credit report stating the debt has been verified but yet the letter attached claims this is inaccurate. 
I WANT XXXX XXXX XXXX OFF OF MY CREDIT REPORT ( TRANSUNION ) IMMEDIATELY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XXXX, 2016 XXXX inquiries were removed from my credit report and thereafter loved back on my file without written notification.

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 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/XXXXDear Consumer Financial Protection Bureau ( CFPB ), On XXXX XXXX, 2015, I submitted an email requesting guidance regarding several issues which will be discussed later. On XXXX XXXX, 2015, I received the following response email : '' Thank you for contacting the Consumer Financial Protection Bureau. 

Please contact the CFPB 's Consumer Response team directly at XXXX, or go to the CFPB 's website at http : //www.consumerfinance.gov to ask questions, file a complaint, check the status of a complaint or obtain additional informations on the CFPB 's regulations or other matters. " Since, the CFPB is an independent bureau funded by the Federal Reserve, tasked with drafting and enforcing regulations for banks, equity markets, credit unions, debt collectors, mortgage lenders, and other entities offering financial goods and services. Functions and Responsibilities of the CFPB Essentially, the CFPB is a watchdog agency tasked with protecting consumers from unscrupulous lenders and other financial institutions. While the bureau has some unique responsibilities, the CFPB also will assume existing duties once carried out by the Federal Trade Commission and other government agencies. 

We are requesting assistance with respect to Trans Union. 

FACTS AND ISSUE ( S ) I. Trans UnionTransUnion Consumer RelationsXXXX XXXX, PA XXXXTRANSUNION FILE NUMBER XXXX dated XX/XX/2015XX/XX/XXXX, Dear TransUnion , I am in receipt of your response to my XXXX XXXX, 2015, request for deposed information. Your response was void of the information. If you are n't the proper venue even though you sent the information to us can you please provide us with the agency that can assist us and/or who oversees your operations? Regards, Courtesy copy of request to Consumer Financial Protection Bureau ( CFPB ). CFPB if you are n't the proper venue please forward my concerns. 
A. The duties and the legal requirements of Trans Union a credit reporting bureau is predicated on evidence and facts. We received a notice from Trans Union on XXXX 2015 and subsequently requested a credit report. The report had some unsubstantiated information so on XXXX XXXX, 2015, we requested deposed documents to support the unsubstantiated information. 
B. We are requesting your office to either contact Trans Union to obtain the requested deposed documents since they just ignore us or forward our concerns to the appropriate governing - body. 

Regards and if additional information is required please let me know, XXXX XXXX, XXXX. 
__________________________________________________________________

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX to contactdesk, XXXXXXXXXXXX Good Afternoon, I have from time to used your site to obtain a credit report. Each time I would be asked to pay the {$14.00} for the report and would gladly do so for the information Recently, during a routine audit which recurred reviewing bank statements, I became aware of subscription billing to the service, which I was unaware of up until this point. I am, however, confident that you can resolve this for me and we can reach an amicable resolution within 14 days. Please do not hesitate to reach out to me within the 14 days I will allow. 




Not Authorized : XXXX renewals at $ XXXX= {$730.00} Already Resolved : XXXX renewals at $ XXXX= {$35.00} ( contacted bank who disputed and refunded already ) Authorized : 5 times requested XXXX bureau score at {$9.00} billed ( requesting no credit back as approved this transaction ) Total unauthorized amount : One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX = {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} Total amount claimed by me : {$560.00} ( I have saved every bank record as receipt of these charges ) My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Transunion login : XXXX Email Address : XXXXXXXXXXXX

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 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I 'm having a hard time understanding how both XXXX and TransUnion are violating the FCRA by not blocking these XXXX accounts within 4 business days after the receipt of my letters. I wrote last month letting them know that I 'm a victim of identity theft and that I require these items to be blocked and removed immediately and absolutely nothing happened! I sent my letter, identification, affidavit and police report and it makes no sense to me how they can just disregard this information! 

The account I 'm disputing with TransUnion is : I did n't apply for this, I did n't open this, I did n't do it online or in a store. This is NOT my account! This is a fraudulent account and must be blocked immediately XXXX XXXX I did n't apply for this, I did n't open this, I did n't do it online or in a store. This is NOT my account! This is a fraudulent account and must be blocked immediately 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 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I did n't give authorization to apply for a credit card with 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 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
ORIGINALLY I FILED WITH THE CFPB CASE # XXXX. MY RESPONSE WAS PARTIALLY ANSWERED! I appreciate that XXXX RESPONDED BUT THEY ALSO CONFIRMED TO THE CFPB THAT THE LATE PAY WAS ERONEOUS AND NOT SHOWING ON THEIR BUREAU, AND NEITHER IS XXXX!!! I am asking for TRANSUNION to Please remove the negative late pay mark against me. I HAVE ATTACHED THE DOCUMENTS TO THE ACCOUNT REFERENCING THIS LATE PAY. This is merely a stall tactic to not address my concern. Pursuant to the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Do n't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XXXX Seperate occasions my Name and info were used to apply for XXXX/paypal credit In XXXX of XXXX and again in XXXX of XXXX, I called XXXX to explain that a family member was using my computer and made thos inquiries by mistake trying to set up there own paypal accounts. I asked that they report to XXXX that these inquiries were n't made by me, i spoke with four different people and they all refused to assist me in removing these inquiries.I have also faxed them the documentation stating that i did n't make or authorize anyone to apply for credit in my name. I believe that these credit inquiries are fraudulent because they were n't made by me I do n't want or need credit thru paypal. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has consistently violated XXXX request to rescind any and all wording of foreclosure in the records of XXXX XXXX loan # XXXX. It 's shocking that the have continued this reporting with the knowledge that request to squash has been in there hands for years. This information was also presented to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion Interactive sold - for {$1.00} both mine and my husbands consumer credit information. The entity who stole our information can answer questions in the TransUnion screeing process that can be found online by anyone! 

What TransUnion Interactive is supposed to provide is being a gatekeeper using the credit card as the final gate. They sold my information to a stranger that did not have my credit card or name on it. This should raise RED FLAGS. But they are so greedy they sell privacy for {$1.00}. Then deal with the consequences later - They probably wanted to sell me something. This company should be investigated for FRAUD - since they Do Not protect your privacy. They sell it for {$1.00} to anyone with a credit card. 

This is an incompetent bunch who create huge problems for consumers. THEY are the problem. They are not doing their job.

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 2015-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I PREVIOUSLY DISPUTED TRANSUNIONS DELETING XXXX CLOSED POSITIVE ACCOUNTS .UNDER THE FCRA THEIR ACTIONS ARE SUPPOSED TO BE REASONABLE RESULTS OF INVESTIGATIONS.IT IS NOT REASONABLE THAT I WOULD BE DISPUTING MY CLOSED PODITIVE ACCOUNTS.I CAN NOT CONTACT THOSE CREDITORS BECAUSE THEY WERE DISCHARGED IN THE BANKRUPTCY AND THEY DO NOT REPORT ON THE CLOSED ACCOUNTS, BUT THEY HAVE NO PROBLEM REPORTING ON THE NEGATIVE ONES.I SPOKE TO SOMEONE AT EXPERIAN AND SHE TOLD ME SHE DELETED THE ACCOUNTS BECAUSE THEY ALL HAD THE SAME ACCOUNT NUMBERS AND SHE DID NOT KNOW WHICH ONE WAS IN DISPUTE SO SHE ASKED THE CREDITOR DAYMET CREDIT UNION AND THEY SAID TO DELETE XXXX ACCOUNTS BEFORE THEIR EXPIRATION DATE.I ALSO DID NOT DISPUTE MY CBNA ACCOUNT BUT THEY DELETED IT ANY WAY.I AGAIN DISPUTE THAT IT IS AN UNREASONABLE ACTION FOR THEM TO DELETE CLOSED POSITIVE INFORMATION.UNDER THE FCRA I AM ENTITLED TO A FAIR AND ACCURATE REPORT.HOW CAN IT BE ACCURATE IF THEY DELETE INFORMATION FROM IT.I HAVE DISPUTED BEFORE AND DAYMET IS IN VIOLATION BECAUSE THEY HAD 5 DAYS TO INFORM ME OF THE DISPUTE AND I NEVER RECEIVED ANYTHING FROM THEM.THEY WANT TO HIDE BEHIND MY BANKRUPTCY DISCHARGE BUT IGNORE IT WHEN DELETING MY ACCOUNTS AND REPORTING LATE PAYMENTS DURING A CHAPTER XXXX.I HAVE DISPUTED WITH BOTH ENTITIES AND THEY HAVE VERIFIED INACCURATE INFORMATION. THEY DELETED THE FOLLOWING ACCOUNTS ENDING WITH XXXX, BEGINNING WITH XXXX, NO ACCOUNT NUMBER BUT A LINE OF CREDIT WITHA STATUS DATE OF XX/XX/XXXX.ALL POSITIVE ACCOUNTS BEFORE THE 10 YEAR REPORTING DATE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing because I have become very saddened by XXXX XXXX actions and XXXX. They purchased my account from XXXX. I paid XXXX actions, and they have sent me letters verifying a XXXX balance for XXXX and for them, also I have documentation stating paid in full. They just refuse to remove off my credit reports, and it 's hurting me as I apply for XXXX requiring a XXXX and higher. When I called XXXX, to file a dispute I was told that there was no point of disputing this information. But, as I exclaimed to her and XXXX XXXX, this is no longer a valid debt, and XXXX XXXX had agreed to remove from all my credit reports once final payment was made. Since, I have made payments as agreed, I just want them and XXXX removed from all my credit reports. The XXXX is due to fall of next year, but it 's currently hurting me as I apply for better jobs, and look at buying a home. On Transunion, it does n't state paid,. Can you please help 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 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have continuously sent letter to the reporting agencies regarding my credit history and XXXX score. I have very little on my credit report less than XXXX in overall debt. Once credit card I have been fighting for months they refuse to remove. I did receive this card and closed it the very next month. For some reason they will not remove it. I have XXXX established accounts that I have used and paid in full each month for the past 8 months. I understand that the balances are low and I do not have very much by way of utilization, However, the reporting agencies at XXXX point raised my score to XXXX then seemingly dropped it down to XXXX, this is after I managed to get {$1300.00} in extended credit, which should have spiked my score. I have been DENIED an apartment and even the ability to turn on utilities. Me and my child are facing homelessness because these agencys dropped my score by XXXX points from one week to the next when I had added to my credit utilization not taken or used any. I am outraged at their practices and unfair lowering and raising of scores. I feel that they are not properly adjusting my fico score considering my income {$5000.00} per month to debt ratio ( {$1000.00} ) is extremely low. AT this point I am looking at options to sue and would like some advise as to what my rights are. THank you kindly

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