vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My XXXX complaint is regarding the information reported on my credit report. In 2009 I received medical treatment at a hospital. The hospital failed to update my home address and never sent a bill to me. The original dispute is regarding not receiving a statement. Once I discovered this on my credit report I immediately contacted the hospital. They told me that by paying the balance they would remove it from my credit report. The company XXXX XXXX XXXX. has never removed it from my credit report. I filed a dispute with Transunion. I have XXXX complaints regarding my dispute. The XXXX complaint it required me to sign up to file a complaint because I needed a report number. You can not get a report number unless you have your credit report which is a monthly membership. I cancelled the membership after filing the complaint and then they still charged me for it. I believe this is deceptive. My XXXX complaint is they do not have enough space to explain the dispute. There response was simply verified. They did not speak to me or verify anything as I could not explain to them what happened. I had very good insurance at the time that typically paid all of my medical bills. The difference they claim never was sent to me. They also never contacted me and the doctor had my cell phone number along with the office. No one calls me but reports it on my credit. Then Transunion does nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed on my latest credit report a collection account from this company but as of XXXX XXXX I have n't received any communication or verification of this debt

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 2016-05-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
ALLY Financial continues to report an old, disputed account from a divorce dispute dating back to XX/XX/XXXX to XXXX. They sustained no loss when the vehicle was sold and the account paid in full and as a courtesy to a good ALLY/GMAC customer dating back to XX/XX/XXXX, I simply want this account deleted as it is not a valid picture of my credit worthiness.

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 2017-02-11 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 disputed XXXX XXXX is reporting late incorrectly several times also attached a signed letter from XXXX XXXX on their company letterhead stating that the account was NEVER late and they still have not corrected their error.

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 2016-02-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Hello and thanks ahead of time for reading and/or offering any help. 
The story begins with a trip to XXXX XXXX. My wife and I had decided to take a trip XXXX and about three days into being in the country I got news that my credit card was compromised. Here I am, with my now-useless travel rewards card. So much for no foreign transaction fees. 
I call up Bank of America and ask them about what I can do. They offer to send me a new card but I 'm out of luck because my wife and I have to keep moving. We were hiking a trail and had to be certain places on certain days. No time to wait around and have a card delivered. 
I told Bank of America that I would n't bother and I 'd just use cash. They offered to waive my foreign transaction fees on my other credit card. They could n't change the terms, but they would put a note in my account and if I called up they would credit my account for the cost of the fees. 
The first month was annoying but alright. I called up they said it could n't be done, they led me around to supervisors until they dropped my call. I then called again ( immediately after ) and the first rep I talked to credited my account no problem. I had also been notified that I did n't need to call every month and that I could simply call up once when I got back to the XXXX. 
Now, here we are, 3 months later and I 'm back home in the XXXX with some time to call up BofA. The rep refuses to credit my account, says I agreed to the terms and conditions and that I agreed to fees. I explain the story, she says I ca n't be credited. She transfers me to a XXXX. I talk to the XXXX, same story. She tells me she see the note but the first time was a courtesy and they could n't do it again. I ask for someone higher up, they give me the run-around and say there is n't anyone else available. 
BofA lied to me. They took my money through fees that they promised to reimburse me. I only have some minor details recorded of who I talked to and when those conversations took place, but none of this is helping me. I feel helpless and quite frankly, used.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-22 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:
Good Morning, For the last 2 years XXXX, Transunion, and XXXX has deliberately and constantly attempting to destroy my financial well being. I 've contacted them over and over again to get the matter resolved they would delete then reinsert items thats not mine consistently. On top of that speaking on the phone to the reps they are very rude and judgmental as if I 'm a criminal when in actuality I 'm the victim of Identity Theft. I did more research about credit reports i would be an educated consumer via the FCRA and I also come to realized that even the fraudulent accounts they ( all bureaus ) allowed charge off accounts to report balances and re-ages which is a blatant violation of the FCRA. Please I just want some help to restore my life. Just want the bureaus to be fair 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 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted the online form to request my credit report annually at the very end was denied access to view my report and was given instructions another options to view

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 2015-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XXXX/XXXX/15, I reported a fraudulent charge of {$670.00} debited by XXXX XXXX to the disputes department of Ally bank. I went on to explain that I had not contacted XXXX to initiate the charge, had not signed up for automatic billing of any kind and do not have account with them. I was issued a provisional credit in that amount while the disputes department investigated the matter. 
Nearly three months later, I received follow-up from the disputes department dated XXXX XXXX. The letter states that the charge " ... .was authorized and correct. '' Upon receipt I reached out to Ally to receive an explanation. To date, I have not been provided a definitive answer as to why this charge is considered valid. To add insult to injury, I received a letter dated XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX, a collections agency, seeking payment in the amount of {$690.00} on behalf of their customer Ally Bank. 
On XXXX, I reached out to Ally and requested to speak with a supervisor. The call was forwarded to XXXX XXXX. She confirmed that the I may submit documentation to disprove the merchant 's XXXX rebuttal to the initial dispute once I receive yet another letter in the mail ; however, I am not sure how long this process will take or what impact this will have on my credit since this matter has already been forwarded to a collections agency. 

XXXX Resolution : I would like for Ally Bank to remove my account from collections and allow me the opportunity to properly resolve this matter by working with them and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
I applied for an Ally checking account and savings account. I ws granted XXXX. a total of {$20.00} was transferred to those accounts out of my checking account I have had for a while. Then Ally blocked my accounts with them and told them I have to prove to them who I say I am. I called and emailed them several times. Finally I was told they performed a credit check and it did n't go through. During the application process I was never told my credit would be checked by Ally Bank. Also if the credit check did n't go through why did they transfer my money to their accounts? They should n't have done that. The application process should have been stalled until this was settled. I also told them I froze my credit report because I was a victim of identity theft a few years ago. I told them they need to return my money and close my Ally Bank accounts. Instead they refused and if was after this they sent me a signature card which I signed and returned and they keep sending me emails but they refuse to unlock my account, they refuse to return my money and they refuse to close my Ally accounts. They never received my permission to perform a credit check and never said during the application process they would do so. Since the credit check did n't go through they should never have approved me for accounts with them and never should have transferred the money. They have committed petty theft ( stole and refused to return {$20.00} XXXX and they have committed banking fraud and illegally tried to access my credit report without permission. I want my money back and the ally accounts closed. If Ally Bank still refuses to return the money I want criminal charges pressed against the fraudulent company for petty theft and banking fraud. 
They keep sending me emails and mail so obviously they know I 'm not a fraud. Ally Bank is the fraud. They have sent me a checkbook and a banking card. I have n't used any of the checks and I have n't activated the banking card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-16 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 have several inquiries on my credit report that do not belong to me XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and 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 2016-08-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a dispute letter through certified mail to ALL XXXX credit reporting agencies along with copies of bank statements. The exact dates occurred on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I received a correspondence within 30 days after submitting the original dispute letters indicating the information was accurate. However, when I spoke with XXXX and XXXX Student Loans almost a year later on XXXX XXXX and XXXX XXXX, XXXX -- they confirmed no investigation took place via XXXX during the XXXX calendar year by ANY of the XXXX major credit bureaus. ALL calls have been recorded and are available on XXXX for public viewing. I have been reported incorrectly as being past due by more than XXXX and 120 days past due with XXXX and XXXX XXXX XXXX. The Credit Bureaus including XXXX, XXXX, and TransUnion are in violation of the FCRA.

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 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am currently an XXXX in XXXX on a temporary basis. I have tried to get my free annual credit reports but can no longer get them on the website. I contacted the credit agencies and was told that they will not give me my credit reports unless I have an address in the U.S. Since I am overseas, I do not have a current mailing address in the U.S. We are U.S. citizens, my husband works for a XXXX, we are paid in the U.S. , pay taxes in the U.S. and have bank accounts in the U.S. We should be able to get a copy of our credit reports to make sure there has been no fraudulent activity. I would like some assistance in this matter, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On Saturday XXXX XXXX I check my Transunion credit report to find that there were inquiries and collection accounts that were added to my credit report that was not on there before. Subsequently I found out that there was a glitch in their system and peoples credit reports were altered. I called on Monday XXXX XXXX to see if they were going to remove the inquiries and I was told that I have to write each creditor and request that they remove the inquiries. I never received any type of notification that these inquiries will be added to my report per the FCRA. I would like all inquiries and collection accounts removed from my credit report. I am trying to start the homeownership process next month and this would set me back from starting the process

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 2015-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I pulled my credit report and there was an account from Ally which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
This bank seems to engage in a deceptive practice with regard to funds availability with deposited checks. I received notice that a deposit made on XX/XX/XXXX would be available in two portions, {$200.00} on XX/XX/XXXX ( next business day ) and the remainder on XX/XX/XXXX ( 2 business days ). This is in accordance with the deposit agreement on the account and not in dispute. However, on XX/XX/XXXX the bank overdrafted my account repeatedly prior to releasing these funds, only to release them immediately after processing the overdraft transfers. The result was a net income ( {$20.00} ) to the bank due to excessive transfer fees against a savings account that were unnecessary due to their mistaken late release of the funds.

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 2015-08-29 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:
I was notified of this charge by XXXX of XXXX. I told them this was not my bill, I did not apply for credit, charge anything to them and asked for a copy of the signed agreement of credit and/or credit charges so I could prove that was not my signature. They refused to send me them. I explained my x-husband has used my name and ss # before to get credit and skip out. He previously charged house furniture to a company in XXXX and I have had car repo people show up at my house to repo his truck. I tried to get some kind of proof from XXXX that this was my bill. I have never been to XXXX, do not intend on going there, and I would remember if I had open credit. I did not start getting credit after my bankruptcy until recently. I believe because they can not locate the rat I was married to, they will try to pin it on me. I 'm just starting to get myself back in ; the good, and I do not need a foot holding my head under water for something I did not do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 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: AZ

Complaint narrative:
I am a victim of true name identity theft and I periodically check my credit bureau reports for activity and to dispute items on my reports. I have had issues with Transunion in obtaining my credit reports and each time I try to access my reports online, I get an error stating that " Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. '' Its the same information that I have provided time after time and I continue to get the same error and when I call the number they want me to send this laundry list of items to get my report. 

Additionally, when I am able to get my report, Transunion does not complete a full investigation and continuously labels my disputes as verified and when i contact the information providers they state that they never received any dispute information. In one situation, I disputed an old bankruptcy and it came back verified and would not be removed yet when I contacted the clerk of the court, they had no record of anyone contacting their office from any credit reporting agency. My social security information on my petition was redacted and when I brought this to the clerk of the courts attention, I was told that they do not give information to any third party including personal information. I believe they are obtaining information unlawfully as well.

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 2015-08-22 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: NV

Complaint narrative:
Transunion continues to block online access to my credit report when I have been denied credit. They will provide my free annual credit report online and they will provide it to me online if I PAY them, but they continue to block me access from getting a free online copy of my credit report after being denied credit. This is a violation of the law and I would like them to stop forcing me to pay for my credit report when I am entitled to a free copy under the law. They are purposely stealing money from me by forcing me to pay for a report ... this is unacceptable behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The same debt is and has been reporting twice on my credit report. The original creditor is XXXX XXXX XXXX XXXX XXXX and the duplicated account is XXXX XXXX XXXX which was opened on XXXX 2014 for the same amount. Please see the attached credit report provided by my mortgage lender. This single debt should not be reporting twice and is in violation of the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My middle initial incorrectly shows up on the credit reports as " XXXX XXXX XXXX '' when my middle initial has always been " XXXX XXXX XXXX. I have never changed my name, my name has always been XXXX XXXX XXXX from birth. Please remove the " XXXX '' from my report. 

Also the list of addresses I have lived as is incorrect. I have never lived at the XXXX XXXX residence in XXXX. The only XXXX addresses I have lived at are the XXXX XXXX residence in XXXX and the XXXX XXXX residence in XXXX which has been my home since 2008. Please remove the XXXX XXXX residence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2016, I received an updated credit report from Transunion about some public records that I disputed. I got the results back only to find out that XXXX things that I had disputed had been overlooked, they never reported any updated information about the remaining XXXX public records. I have called, written, faxed, and e disputed these items..I talked to a representative on XX/XX/2016 and she assured me that the items would be removed in 24/48hours..I called on XX/XX/2016 only to find out that the items had n't been removed but she opened a new dispute for the remaining public records..I am asking that the my request for the records be removed immediately.. The dockets numbers are XXXX and 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