vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I had filed bankruptcy. I had asked to reaffirm my vehicle and so the lender stated that they never received paperwork asking for me to reaffirm my vehicle. So I went back and forth between the lender and my attorney to resolve this matter. By my attorney 's advice I was told to dispute it with the credit bureau so they could update the account to show open and active and my payment history. So I filed a dispute with Trans-Union and so on XXXX/XXXX/2015 they received my dispute. on XXXX/XXXX/2015 they came back and stated that my dispute was complete but instead of them updating the account they removed it from my credit bureau. So I was told by several TransUnion reps that all that is needed if for the lender to contact their maintaence dept and they can updated the file. I contact the lender on XXXX/XXXX/2015 and left a message on XXXX/XXXX/15 XXXX XXXX in the credit dept at XXXX contacted me back and stated that Trans-Union 's policy is once they remove an item from your credit bureau they can not put it back. I feel this is unjust seeing that I had no clue in the beginning that the account was closed on my account and or that the lender was not made aware that I reaffirmed my vehicle. I 'm trying to rebuild my credit and my life so that I can move forward. I have had this vehicle for 2 years and have never been late on a payment. I need TransUnion to put this item back on my credit report. I 'm trying to by a house in another 18 months and so this would help me in this process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
On XXXX XXXX, 2016 I went to TransUnion where I intended to pay {$1.00} charge to see my credit score. I was careful to look around to make sure that I did n't sign up for a monthly credit monitoring service because the website felt like it was n't designed to be clear about what I was about to pay for. I wanted to see my credit score and felt like any of the XXXX major credit bureau 's surely would n't be predatory. I woke up this XXXX with a {$19.00} charge from TransUnion and a {$21.00} charge from XXXX. I happened to get an email from my credit card company alerting me to transactions. Otherwise, I would have never noticed these charges. After much searching, it turns out that the only way to cancel these services is to call. None of these services sent me an email receipt. 

I would like the CFPB to stop the XXXX credit bureau 's from operating in shady ways to make money. These bureaus exist to reflect our individual integrity to potential creditors. They should operate with the highest level of integrity and not take advantage of people with confusing and tricky tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am a victim of identity theft and there is an unauthorized and fraudulent account listed on my Trans Union credit report that do not belong to me. The following account is fraudulent : XXXX XXXX Bank, XXXX/XXXX/12

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
When I got divorced I assumed my car loan and a personal loan. My ex-wife assumed her car loan and a personal loan. After we were divorced for awhile she filed for bankruptcy on her XXXX loans. She did n't make her minimum payments for the bankruptcy so the loans came out of bankruptcy for her to pay on. She is n't paying on the car, it was repossessed, and now the bank is coming after me. This debt was hers to pay per a court order. I am being harassed by the bank and it is ruining my already damaged credit. They are threatening to turn this in as income under my name. My ex-wife is n't getting any notifications from the bank. Her bankruptcy also showed up on my credit as her personal loan was written off as a bad debt.

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: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRSTBANK
State: CO

Complaint narrative:
I am putting in this complaint on behalf of my nephew, XXXX XXXX. The complaint is against First Bank. He was XXXX years old and a XXXX when he opened the account in 2014. I went with him to the bank and made sure that he had opted out of the Bank paying for anything if he had no funds in his account. He had borrowed some money from another financial institution and they were withdrawing monthly payments out of his account. He lost his job and his account dwindled to XXXX. It was our understanding that he was ok as far as the bank was concerned since we had told them not to pay for anything if there was no money in the account. However, the bank has built up an amount of almost {$250.00} that they say were charges for refusing transactions to the financial institution that XXXX owed some money to. This is fraud of the highest order. We were never informed that the bank would charge for refusing transactions also. We went in to the bank a couple of times and were told that we needed to come back with {$250.00} in hand. We were also given illogical explanations for why it was alright for the bank to charge XXXX for refused transactions. This was very disrespectful. 
We request that all charges be dropped immediately and the bank apologize for making this entire situation so stressful and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is a credit card listed on my report that I never opened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX : Connected to XXXX XXXX XXXX XXXX : Your reference number for this chat session is XXXX XXXX XXXX Customer XXXX : Initial Question/Comment : Sears gave me a temporary store card pass in XXXX to use while waiting for my card in the mail. I went to shop and this cashier run my credit XXXX more times without my consent when I specifically told her No that I 'm using my store pass. 
XXXX XXXX XXXX : Thank you for contacting the Federal Trade Commission 's Complaint Assistant Technical Support Desk. 
XXXX XXXX XXXX XXXX : Your chat conversation may be monitored for quality assurance purposes. 
XXXX XXXX : Connected with XXXX XXXX XXXX Agent XXXX : Good morning XXXX. I 'm sorry to hear about that happening. How can I help you today? Do you need assistance to file a report online on the FTC complaint assistant page? 
XXXX XXXX Customer XXXX : I guess so. Because it 's not fair when someone is trying to build up a good credit and for someone else to purposely messing it up. 
XXXX XXXX XXXX XXXX : I understand. You can choose report that on our complaint assistant by choosing the category " XXXX and XXXX '' and the subcategory " Credit and Loans : Credit cards, credit reporting, mortgages, pay day loans or other loan services ''. You can report the company and can type a summary of what happened in your own words. 
XXXX XXXX Agent XXXX : You can also contact the CFPB at XXXX. They are the government office that regulates how/when companies are allowed to get access to your credit and can file a report and give additional information on that topic. 
XXXX XXXX Customer XXXX : Credit Bureau needs to be aware of scams like this and help customers like me to keep a good credit. What would be the purpose for me to apply for credit XXXX x within a month in the same store when I am already granting a credit. 
And when I am well aware that every time someone run a credit check on someone else, their XXXX score, I think goes down. Why would I do that to myself if I want to build up a good credit? Okay, I am going to call the CFPB. Think you XXXX for the chat. 
XXXX XXXX Agent XXXX : You 're welcome. And thank you for contacting the Federal Trade Commission. Have a good Day. 
XXXX XXXX Customer XXXX : You too and XXXX bless you. 
Please help me because I do n't want my score to get affected

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Look. I am trying to get a credit card? All I am trying to do is pay my bills. Have legit job. BUT all these credit company. All I asking for a credit card. To open a business an started. I been discriminated on because company 's like XXXX XXXX. Other credit card company 's

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I sent a dispute to TransUnion based on inaccuracies being reporting by XXXX XXXX XXXX XXXX. The account was set up on automatic deduction and the credit union failed to take out. I spoke with representatives from the credit union who asked me to send a dispute to TransUnion and when TransUnion contacts XXXX XXXX XXXX XXXX, ( Creditor ) they will request the information be corrected. TransUnion deleted the account, along with XXXX other accounts I have with XXXX XXXX XXXX XXXX. XXXX account was paid in full with a perfect payment history, and the other XXXX accounts are being paid, with a perfect payment history. A total of XXXX accounts were deleted, due to Trans Unions error and has affected my score and my ability to secure a mortgage.

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 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Transunion is reporting a collection for XXXX. XXXX. There has been no attempt to validate this debt, therefore it should not be reported.

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 2016-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I 'm reporting inaccuracies in regards to the calculation of my credit score. I believe I have a true problem with IT Hacking. I have seen my credit score drop by XXXX points and then move back up XXXX points, with no change of debt reported on my credit reports. I have saved all free credit report checks and have snip shot or screen shot my credit scores. Now with all debt payed, no change at all in my credit score ( no movement ). Transunion will not change there reporting, but experian did. Tranunion is still holding me down and will not make the appropriate changes. The accounts in question are collected by XXXX XXXX and have odd notations that are n't correct for being paid in full. Others are XXXX XXXX and also XXXX XXXX. Under 15U.S. Code 1669 and 1681 states that any changes must be immediately reported, if not it constitutes a delete of file. I can prove that immediate reporting of good standing changes are n't being reported immediately. May I remind you that I have proof of true hacking and fraud changes made with my credit score.

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 2016-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The XXXX XXXX organization sent my account to a collection company, XXXX XXXX of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with XXXX XXXX of XXXX VA in XXXX of 2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.

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 2016-09-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I am writing to have a debt removed from my credit report as I believe the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts has been violated. I have emailed, called and wrote numerous letters without response or verification of this debt. Please remove this debt. 

The violations I have against Portfolio are as follows : 1 ) PRA did not validate before reporting to the credit bureaus, even though I have proof of receipt of a timely dispute, which I mailed within the 30-days as allowed by the FDCPA. Per federal law, a collection agency is not allowed to continue collection activity if a consumer disputes the account within 30 days. Collection activity includes reporting to the credit bureaus, as per the FTC opinion letter XXXX from XXXX. This violation falls under [ XXXX XXXX XXXX ] XXXX. 

2 ) PRA has failed to mark my Equifax credit report as disputed. This violation falls under [ XXXX XXXX XXXX ] XXXX XXXX XXXX ). 

3 ) PRA is misrepresenting the amount owed, and/or adding fees/interest outside the original contract. The debt validation that you have provided to carries an amount that is substantially higher than the amount that PRA is reporting. This violation falls under [ XXXX XXXX XXXX ] XXXX XXXX XXXX ). 

It is also my understanding that the CFPB is taking action against this firm for deceptive tactics to collect bad debts via the website listed : http : //www.consumerfinance.govXXXX I continue to get no response from this company please help. 
XXXX XXXX XXXX/XXXX/XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was on the site of another merchant when they had a tab for " free credit reporting ''. When I clicked on the tab I was told this was not free credit reporting and my credit card was charged at least {$1.00} with transunion with my debit card from XXXX ending in XXXX associated with checking account XXXX.and possibly will be charged again in the future. I already have similar services with other companies. I want this cancelled and my {$1.00} refunded and not to be charged in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX I checked my FICO score through my XXXX account, which provides this score as part of their services. I was surprised to see, after months of working on improving it, that I suddenly had a " serious delinquency '' on my credit score. I checked my credit reports on XXXX and noticed that Trans Union listed a consumer loan from XXXX XXXX XXXX XXXX that had been paid off in XX/XX/XXXX, as being 120+ days past due. I called the credit union, which told me to dispute it through the credit bureau and that they could n't do anything on their end. I disputed the information on Trans Union and when I checked my score on creditkarma.com it appeared to be resolved. This morning I checked my FICO score on XXXX and noticed it 's at XXXX, yet XXXX has it as XXXX. I thought my dispute had taken care of removing this incorrect information in XXXX. Furthermore, I checked my FICO score on XXXX in XXXX and now they too show this account from the credit union on my credit report, which is causing my score to drop more than XXXX points. I am reaching out to you because I have NEVER had an issue like this with regard to my credit report and am quite frustrated with this situation. I understand that sometimes mistakes are made, but this XXXX is getting worse and is repeating itself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent Transunion a dispute letter asking for my loans XXXX Acct : XXXX and XXXX ) listed as transferred from XXXX to be removed from my credit report immediately. I also sent them a copy of my letter I was sending to XXXX XXXX XXXX Exhibit D ''. I sent the dispute by certified Mail ( Exhibit XXXX '' ). I contacted XXXX XXXX and XXXX and they said that Transunion never contacted them. A week ago, I received notice from Transunion that they investigated and no change to my credit report was needed after investigation. It is very clear they did not investigate, because XXXX and XXXX was never notified as well as my proof of deletion letter from them did not allow Transunion to delete the accounts.

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