vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
When my father died, I notified his Discover card that he had passed ( sent them a copy of his death certificate ) and that his estate was insolvent ( it is ). 

They started sending ME the bills for his account, at my address and in my name, and calling me ( have called me at least XXXX times ) to tell me *I* owed the money. I told them the XXXX time they called that I did NOT owe the money, and that they should send documentation that I was responsible. They said " we ca n't '' and " we do n't have that documentation ''. But they continued to call. And my credit rating was impacted. 
FINALLY, after HOURS on the phone with them and sending several written complaints, they told me 1 - if I do n't pay it, it will continue to be on my credit rating, 2 - if I DO pay any part of the bill to protect my credit rating, AND then they resolve my dispute by confirming in their own research that I am NOT responsible for the account/debt, THEN THEY WILL NOT REFUND THE MONEY I HAVE PAID TO THE ACCOUNT while they were falsely insisting I owed it. 3 - At their advice, I paid the initial " minimum payment due '' from after my Dad died ( they had increased it to several hundred ) so as not to have my credit rating impacted quite so badly. So I paid {$35.00}. 4 - They CONTINUED to call to say " my '' account was past due. 5 - They sent me a LETTER stating " Based on a review of the information, we have removed your name from this account .... '' 6 - I CONTINUE to receive calls ( two just today ) stating I owe them money. 7 - Logging into the account via my Dad 's site, it STILL shows my name ON THE ACCOUNT. 8 -I am on hold with them now, and they have just confirmed my name is STILL ON THE ACCOUNT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-20 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: NY

Complaint narrative:
Today ( XXXX/XXXX/XXXX ) I went online and received my free reports except from TransUnion. I was denied access as they said they already gave me a free report for this year. Not so. 

Since I have had disputes with them before ( XXXX ) due to their errors, I do not intend to waste time and incur expense by sending them certified mail for resolve every time they make a mistake this year. I have attached a screen print of their refusal to provide a free report which may require cropping by you as to not reveal my personal identification in the event that you publish this complaint for the benefit of the public.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I mailed out some challenges and ask for an investigation XX/XX/2016. It is XX/XX/2016 and I have not received a response

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 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I mailed Transunion a certified letter asking them to provide me with details of several negative trade lines that were listed on my credit report. They responded after XXXX days informing me that they verified details of the negative account I listed. I believe Transunion did not do a sufficient investigation. XXXX of the account XXXX XXXX XXXX is a payday lender. If Transunion had done a proper investigation they would have discovered that this was a payday lender, and that payday loans are illegal in New York. I would like Transunion remove the accounts I requested information on. Following my initial dispute I sent XXXX additional letters to Transunion asking them provide me with the method of verification. I also spoke with a customer service representative in regards to the XXXX XXXX XXXX account. I spoke with a supervisor and asked them to provide me with details of who they spoke with to verify the details of the account. I asked them what documents did they review. The outcome of that call was the supervisor offered to add an additional dispute in regards to the wrong type of account being listed. XXXX XXXX XXXX listed it as an installment loan. The supervisor mention this additional dispute would take another XXXX days. I can provide additional documentation in regards to this if necessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
we have an agreement and this should not be reported in my account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
account from XXXX is over 5 years old. This should have been taken off my credit report already and it 's keeping my score down and hindering me from purchasing my first home. I attempted to dispute it with Transunion and the company took more points of my credit score and they reported it again. Please remove from all XXXX credit agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion, has failed to report correctly despite multiple attempts to correct information. I have sent disputes via mail and through the website. Not only has it been embarrassing to my brother, who they have fully disclosed his debt and financial situation to me, but it is jeopardizing my ability to provide for my family as we are coming up to some major financial decisions in the next year. TransUnion is the only XXXX out of the XXXX agencies that is grossly incorrect. I am currently active duty and XXXX dealing with the hardships that come along XXXX and having to deal with this credit agency over and over again is completely absurd. 
After sending in all proper documents for identification and detailed documentation identifying each dispute TransUnion responded with an even more faulty report. Attached are the documents with hand written corrections. Not only did they keep the items that are not associated with me but they took off an item that actually belongs to me. I am unsure if this is my brothers report with my name on it, or if they just continue to not know how to discern XXXX individuals with a very similar name, same birth date ( we are twins ) and different social security numbers. I am at a loss on how to the credit reporting agency is unable to do its job to properly investigate and report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
An unauthorized hard credit Inquiry was made by XXXX on XX/XX/XXXX and reflected on my Trans Union credit report. I asked XXXX in writing to stop making unauthorized credit inquiries in my name ( e.g. XX/XX/XXXX and XX/XX/XXXX ) but appears they continue to do so. I even filed an Initial Security Alert on XX/XX/XXXX valid for 90 days and was shocked XXXX did an inquiry again. I need XXXX to stop doing this because it effects 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 non-monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Repeated phone calls even after a payment arrangement has been made ; calling XXXX minutes apart during work hours ( XXXX/XXXX/15 ) ; when calls are answered they will automatically go to hold and then disconnect after XXXX minutes ; callers have been rude and made insensitive remarks ; when a payment arrangement has been made company called XXXX times in a row first thing in the morning payment was expected even though there was still over XXXX hours to make payment as agreed ; when a supervisor is asked for due to poor or rude communciation it is often stated that no supervisor is available and that they will have to call back and no call is ever received from supervisor ; calling even after payment has been submitted online and then either are n't aware payment is already made or just hanging up after call is answered ; caller often unable to answer detailed questions

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XXXX XXXX, I sent a request to Trans Union asking them to investigate errors on my credit report. Over 30 days have passed, and I have not received a response from their organization.

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 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX used my social security number to open a XXXX accout without permission

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Account DetailsLast Reported XX/XX/XXXXCollection Agency XXXX XXXXOriginal Creditor XXXX XXXX XXXX XXXX XXXXStatus ClosedOpened Date XX/XX/XXXXClosed Date -ResponsibilityIndividualBalance $ XXXXHigh Balance $ XXXXRemarks Paid collectionThis Medical balance was paid in full as of XX/XX/XXXX and I would like it removed from the collections category.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank defrauded and short changed me by sending a refund for less than what it should have been for a vehicle extended warranty contract. Ally bank not only deducted money for the warranty contract that was never used but instead of charging me {$25.00} cancellation fees, it charged {$50.00} instead. This is fraud and I am sure that there are other unsuspecting consumers that are being defrauded by Ally Bank.

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 2015-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion is reporting XXXX XXXX XXXX XXXX on my report. This account was written off by the hospital because I took sick at work and did n't have any health insurance XXXX. I explaioned to the hospital and they found a charity that helped me with the untimely expense. I explained this to Transunion and they refduse to remove this item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more XXXX years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Our home ( primary residence ), as a result of 2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per credit karma but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX XXXX, XXXX, TransUnion and XXXX, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX, Arizona XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 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:
Transunion Credit Bureau is reporting employment information for me for companies/employers which I longer work for. Twelve years ago I temporarily worked for a company less than three months, this employer is still showing on my Trans Union credit report. I tried to dispute this matter with the Trans Union Credit Bureau several years ago and was not able to get a satisfactory response from them as to why they have that employer reported or get a date as to when it will be removed from my file. They also have another employer reported from 2009, which I no longer work for and I am uncertain on how to have the employer removed as Trans Union Credit Bureau is the only credit reporting agency that has employment information listed for me which also happens to be outdated. I have applied for credit in the past and have been asked about my current employment status and then asked about the companies listed on this report which then complicated my pursuit in applying for and securing credit and loans.

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 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I HAVE MULTIPLE INQUIRES ON MY CREDIT REPORTS. I HAVE SENT MULTIPLE LETTERS DEMANDING EVIDENCE THAT I HAVE AUTHORIZED SUCH INQUIRIES AS THEY ARE DAMAGING TO MY FINANCIAL REPUTATION. MY SOCIAL SECURITY NUMBER IS POSTED ONLINE FROM A COMPUTER HACK OF THE MISSOURI XXXX WEBSITE XX/XX/2011.

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 2016-04-04 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 contacted Transunion and provided them with a police report that I am a victim of identity theft. They refuse to remove the inaccurate inquiries, as well as the inaccurate accounts. Additionally, they continue to let people do hard pulls on my credit without my authorization. The following credit inquiries are continued unauthorized inquires related to my identity theft case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : 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 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested TransUnion to investigate th following addresses as not mines : and Tranunion refused to do so. 
I sent a copy of my FL State Driver 's License and my FL State Concealed Arm permit SSN : XXXX DateofBirth : XXXX/XXXX/XXXX NamesReported : XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX AddressesReported : I also requested that the below telephone number be deleted as not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Again Transunion refused to investigate and/or delete the above telephone numbers. 
The FCRA mandates that ALL credit information in a consumer 's credit file being reported by a CRA to be accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE NEVER SIGNED A DOCUMENT TO RUN MY CREDIT FOR A HOME MORTGAGE LOAN, THERES A INQUIRY FOR XXXX XXXX CA XXXX ON MY CREDIT REPORT WHICH I DID NOT APPROVE OF, I CALLED THEM THEY SAID THEY WERE GOING TO FIND OUT WHO RAN MY SCORE, I HAVE NOT GOT A CALL BACK ITS BEEN OVER 10 DAYS AND WHEN I CALL NOBODY KNOWS WHAT IM TALKING ABOUT. I NEED THIS INQUIRY DELETED FROM MY 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 2015-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TRANSUNION HARD REMOVED XXXX ACCOUNT FROM MY CREDIT REPORT WHEN I DISPUTE THEM AND WHEN AND TURNED BACK AROUND AND PUT THEM BACK ON

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A legal item has appeared on my TransUnion credit report, a {$1900.00} small claims judgment through the XXXX XXXX XXXX XXXX ( Michigan ) small claims court, reference number XXXX ( this is all in the public record, no personal info ). I called the court using the contact information provided and after the usual debacle of bureaucracy spoke to a very helpful clerk who was able, at last, to pull the relevant file. It appears this is a judgment against a XXXX XXXX with no DOB or other identifying info made back in XX/XX/XXXX. She dug deeper and found the court attempted to garnish wages from the Department of XXXX, but received no response from that institution and the case just sort of died there. 

My name is also XXXX XXXX. I did indeed live in XXXX for one year, from XX/XX/XXXX to XXXX of this year, but in XXXX XXXX ( XXXX XXXX ). This is clearly a different XXXX XXXX, but for some reason this item has started appearing on my credit report. I would like this corrected immediately but gave up after almost an hour on hold with TransUnion. I do n't really have the time to actively pursue this at the moment ( I work as XXXX ), so I thought enlisting your help might be more efficient ( I remembered this agency because I was a candidate for XXXX of your fellowships earlier this year ). 

Thank you in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account is very old XXXX is past the statute of limitations please remove. I have an open active account that is in good standings with this same company. 

Remove this outdated item XXXX XXXX XXXX

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