vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
My daughter gave me a Mastercard Debit Card ( it was either for XXXX XXXX XXXX ( XX/XX/XXXX or XXXX in XX/XX/XXXX ). I carefully put it away until I took my grandson out to lunch for his XXXX. Birthday on XX/XX/XXXX. The waitress said the card would not register the {$25.00}. I called Mastercard only to find out that US Bank National Association had retrieved all of the {$25.00}. They directed me to read the find print on the back of the card. In the fine print on the card it said that if it was n't used in 12 months they would deduct {$2.00} a month after 12 consecutive months of inactivity. The card read-valid through XX/XX/XXXX. There had not been 12 consecutive months of inactivity. Even if I received it in XX/XX/XXXX, I was using it in XX/XX/XXXX which would mean only 8 months of inactivity. I could not get them to answer why the money was taken out before the 12 months were up. I wrote a letter to Mastercard at XXXX, NY XXXX on XX/XX/XXXX asking them for an explanation as to why there was no money left on the card The letter was sent back unopened on XX/XX/XXXX. I know this must be a petty thing but it was embarassing and {$25.00} would have gone a long way in helping pay that bill. Plus the fact that they never answered my question about why the money was gone before the 12 months were even begun. This seems like a scam 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 2017-02-22 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: Account Discovery Systems, LLC
State: FL

Complaint narrative:
Debt collector repetitively called me to pay an amount my ex husband owed at XXXX which he got when he was still not married to me. he opened an account at XX/XX/XXXX and got tv, XXXX etc before we got married and now the collector is convincing me that i should pay it too since my ex husband is not making his payments. we 've been divorced since XX/XX/XXXX and the collector started calling me XX/XX/XXXX. He wanted me to pay at least half of what my ex-husband currently owe XXXX which is XXXX. I have my own account at bestbuy and excelent with my history of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 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 'm XXXX now and I 'm trying to get my free credit report and I keep getting my information does n't match my record?

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 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I had major surgery in XXXX XX/XX/XXXX and had paid my deductible in full, all medical bills were covered. 
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX ) did not file the correct insurance information, even though it was provided several times and sent the account to XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX ) XXXX XXXX finally sent the correct information and they were paid in full XXXX. I have made repeated attempts to have this removed but XXXX is refusing to remove it. THis also happened at XXXX ( a sister company to XXXX XXXX ) and they removed it from collections. I have contacted XXXX XXXX and am awaitng a return call

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was on the phone very long with trans union and finally a representative came on the phone to supposedly resolve my issue, however, they simply gave me the run around about doing a phone verification, but never did it after XXXX additional calls and long wait times again they finally informed me that they cant get it done.

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 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Names reported is wrong. Someone just misspelled my name. My name is XXXX XXXX XXXX but on my Transunion credit report it shows another person as XXXX. No XXXX at the end. This is not a XXXX person. Someone made a clerical error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I supplied XXXX with a police report showing people were applying for credit under my name. XXXX has refused to remove the fraudulent inquiries.

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 2017-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the creditor ( XXXX ) and the credit reporting agency ( TransUnion ), I 've waited XXXX days for my XXXX account information to update and report. As of today 's date this information is still not appearing on 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 2016-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : TransUnion Credit file : XXXX I have tried online several times without success to submit the attached dispute with the relevant documents, since the current pending investigation on your system was submitted without the documents to expedited this process. 
Your telephone submission option was not efficient to process said, as your agents appear to have linguistic challenges. I have mailed a copy of the attached on XXXX XXXX, 2016, notwithstanding, I have n't seen any update corrections of said. 
Please see attached a copy of the ledge of the accounts included my bankruptcy and subsequently discharged on XX/XX/2016. 
Please correct my credit reports immediately and advise. Please have the credit bureau cease and desist immediately of reporting accounts for which I no longer am responsible per bankruptcy discharge. 
Thank you. 

Sincerely,

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 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been dealing with Experian on numerous false items on my credit report and they are refusing to complete the investigation according to the information I have given them. Each time I give them the information they ask for, I get a form letter saying " Frivolous dispute '' we will not complete, which is false. I have numerous items from XXXX on my report that are XXXX reporting as late accounts, which is false, and as public judgement s, which is also false. I contacted the Court and they told me these records are not being validated properly yet each time I get a letter from Experian, they say the investigation has resulted in the items being mine. Case in point is the name of the co-signer listed on these records. The person does not exist and the social security number does not match the name of the person listed, therefore making these records ALL false and they all should be deleted. Yet, each time I bring this to the attention of Experian, I get a form letter saying they are under NO obligation to investigate because they already did an investigation. This is complete nonsense, as they are clearly using a computer driven data drive to match only my name and information listed with a record of another person and they never investigate the co-signer information, as I told them it would clearly show these are false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is not responding to my requests to investigate and remove accounts that do not belong to me from 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 2015-05-25 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: UT

Complaint narrative:
I have not been able to get my free credit report online from TransUnion for 4 years. TU always claims that they can not verify my identity, yet they do n't even ask any identity verification questions before denying access. This year, I ordered a report over the phone after failing to get one online. I will see if it actually comes or if they deny that as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Approximately 1 year ago my credit score was about XXXX with a XXXX Major Credit Reporting Bureaus. After I made inquiries and disputes with all XXXX Major Credit Reporting Bureaus XXXX and XXXX Made appropriate adjustment and or deletions and my credit score was raised to XXXX by both XXXX and XXXX. Trans Union however dropped or reduced my credit score to XXXX. 

I believe the score is wrong and I am seeking its adjustment.

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 2016-05-24 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:
correction of typo-error in prior CPFB complaint ; but underlying complaint was 100 % correct, so I am repeating it here : I paid {$5.00} to " unfreeze '' my account with T-U using the T-U-issued PIN. I then went to T-U website via XXXX for my FREE report. T-U FRAUDULENTLY refused to permit me to get this by FALSELY asserting that I had " already '' received my FREE report. Unfreezing a file and getting a copy of that file is NOT the same thing. This is a pattern intentionally SCHEMED by T-U. I demand my FREE report accessible on-line -- - 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 non-monetary relief
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
For the past several months, I have been disputing several inaccuracies that are Listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as : -capitol XXXX account ending XXXX ( they are saying late on XX/XX/XXXX and XX/XX/XXXX which was for another account which were open on XX/XX/XXXX ( never receive a statement for that account until I contact them ), the account ending XXXX was receive less than 1 year ago??? 
-Navient ( balance {$62000.00} ) late XX/XX/XXXX : I was not receiving a statement at that time and never late, XXXX did remove this??

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 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently went on XXXX and began filling out their online application to get a quote on how much I would be able to receive as a loan with the first time homeowners program. I did NOT submit any of my information and after randomly checking my credit score XXXX, I noticed that my credit score has DECREASED about XXXX points. I looked to see what caused this drastic change and saw that it was based on XXXX banks pulling hard inquiries on my credit without my consent or knowledge. I would like to file a complaint with Transunion and to reverse this action and return my score to its original score if possible. Thank you so much.

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

Complaint narrative:
Transunion would not provide me with a dispute number. I also tried to dispute it with XXXX and XXXX but they both put a wall up as well. I suspect they are in collusion with XXXX XXXX to keep it on my record. Sorry, but I will not be a tax write off for these large companies. XXXX XXXX is purposefully keeping a closed account on my credit with the aid of all three credit bureaus past the seven years which is in direct violation of what the FCRA says and other federal laws stipulate regarding accounts. I only know about their credit reporting fraud schemes because I used a website called XXXX XXXX to check 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 2017-03-22 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:
I have sent several letters to TransUnion to investigate the validity of a collection agency. I have also sent the letters to the collection agency. I received a response back stating that the debt has been verified. I asked for verification not validation. The collection company sent me copies of the bill from the doctors office. The patient information is incorrect on the bill.

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 — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an apparent personal loan on my report that is not mine. 
XXXX XXXX {$3600.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Account Discovery Systems, LLC
State: MI

Complaint narrative:
XXXX XXXX has called my boyfriend, my boyfriend 's parents in another state, my brother, my friend and neighbor friend XXXX and my friend XXXX about the debt, and discussed details in a recorded voicemail. If the person XXXX XXXX calls answers a live phone call, XXXX XXXX lies, and pretends to be a long lost friend of my mine from New York, who needs contact information to re-connect, urgently. She refuses to contact my attorney, and contacts everyone else instead, even though she already knows my address, phone number and place of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 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: NY

Complaint narrative:
I have repeatedly been denied access to my free annual credit report by Trans Union. Several calls to multiple Trans Union customer service help lines have not fixed this issue. Trans Union claims that they do not have a record of me when I attempt to obtain my free credit report, both through XXXX and Trans Union 's own website. However, Trans Union is willing to provide me with a credit report and credit score if I submit a payment of {$12.00}. Neither my name nor social security number have ever changed, and my address has remained the same for more than three years, minimum. I received my free annual credit reports from both XXXX and XXXX without incident. My XXXX XXXX credit card account is able to access some aspects of my Trans Union credit report, which indicates that Trans Union has erroneous information about my credit history that is having a detrimental effect on my credit score and status, resulting in financial damages incurred by myself. I need to correct this erroneous information, but I can not do so without a full record of my credit report. I have tried repeatedly to fix this issue with Trans Union over the phone. I have taken all actions requested and correctly answered all questions asked of me. However, Trans Union has refused, either through maliciousness or though incompetence, to provide me with my free annual credit report as required by federal law. I ask that the Bureau of Consumer Financial Protection intervene to both correct this issue on my behalf and to also secure the payment of compensatory and punitive funds from Trans Union as allowed by law.

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 2015-12-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I bought a used car on XX/XX/XXXX and financed it with Ally. I am XXXX and thus a XXXX, so I should have been included in the settlement against Ally for overcharging XXXX. I learned after the deadline had passed to submit a claim that there had been a settlement regarding the fact that Ally had overcharged XXXX who had financed cars with Ally between XX/XX/XXXX and XX/XX/XXXX. Since I am a XXXX, I should have been included in this settlement, however, Ally never contacted me or sent me any letters regarding this matter. I have called Ally several times and finally they referred me to their Settlement Administrator who was unable to help me, stating that the deadline had passed, that is why I am filing this claim with you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Between XXXX/XXXX/15 and XXXX/XXXX/15 I have had XXXX hard inquiries appear on my Transunion credit report. XXXX inquiries through XXXX, XXXX through XXXX and XXXX through XXXX XXXX XXXX. All of these inquiries were an attempt to get credit cards with my identifying information. I have put a credit freeze on my information and credit alerts through Transunion. I also received a letter from XXXX indicating that XXXX hard inquiries were made to my credit report by XXXX. XXXX reported that they have been hacked. I want all of these hard credit inquiries taken off my credit report due to the fact that I have never applied to these companies for credit cards or other services. These hard inquires are causing by credit scores to go down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 've worked hard for decades to maintain an outstanding credit rating that 's ranged right around XXXX. I take my credit report extremely seriously and always consider the impact on my score when making decisions that may have an adverse impact to my credit score, and ultimately my financial well-being. 

In XXXX of 2015 I obtained new employment which involved selling my home and moving my family. This move incurred over $ XXXX in moving expenses, all of which were reimbursed by my new employer once we were able to provide receipts evidencing the expenses incurred. In other words, the funds for my travel and relocation expenses initially came out of my savings and then were reimbursed by my new employer after the move. 

Given the safety, security and support that XXXX XXXX offers, my wife and I used our XXXX card to fund the upfront travel and relocation costs. Unfortunately, we did not realize what a detrimental impact that doing so would have on my credit scores. My score which was XXXX immediately dropped to XXXX ( XXXX point drop and below the XXXX A-Rating threshold for obtaining the best mortgage rates ). The drastic drop, I 'm told, is due to the fact that XXXX does not report a credit limit but rather reports the lifetime max that has been borrowed as the limit. In this particular case, $ XXXX was my lifetime max and thus it appears I 've maxed out my card. For this reason, my credit score has plummeted and now effectively puts me in a position where I face paying XXXX of dollars more per year on a mortgage because I no longer qualify for the best mortgage rates.

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