vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit card was charged 2 times by a company called XXXX. I disputed both charges with the credit card and the credit card ruled that I should have to pay XXXX because XXXX offered to refund XXXX charge. I never agreed with XXXX 's pay 1/refund 1 offer and was never told why both charges were not refunded. In the dispute itself, I made a downpayment for 2 XXXX XXXX tours that were both 6+ months away. Several days later, my wife called and wrote many times to ask for a refund for both 2 tours. XXXX never provided any service or value for my money and only reserved the XXXX tours for XXXX business days. I should get a full refund for both tours OR I should be shown where it is written that XXXX may keep my downpayment in this circumstance.

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 2015-12-25 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: CA

Complaint narrative:
I applied for my free credit report from Transunion using the government form from annual credit report.com and sent it in and got back the stock we can not find you but to provided documents which is did and they are my latest paycheck stub and my latest bank statement showing my current address and I get back a stock letter staying proof is unacceptable as it was to old? so how can the current pay check stub and bank statement not current and requesting to sent in the same documents why? can I get my report I provided the information and Transunion can find me with out any problem and again every year I have this issue why is the government allowing these companies get away with this type of behavior and have so much control over our information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 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 would like an address removed from my credit report. I have never lived at : XXXX, IL XXXX I have lived at XXXX since 1978

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 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXX i traded cars at parks XXXX of XXXX nc located XXXX XXXX XXXX.i tried again XX/XX/XXXX and told them to only run mycredit with XXXX XXXX and no one else.i late checked my credit reports andfound that they had ran my credit a numerous other places and brought myscore down approximately XXXX points.i called them and asked them to removethe unauthorized inquiries and was told they could n't do that and the creditbureaus would not.i would like them to remove ALL of their unauthorizedinquiries

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
TRANSUNION continues to report XXXX XXXX Account # XXXX as an adverse account. Data received from TRANSUNION does not support account being an adverse account. Spoke with company and had been informed that they ( XXXX XXXX ) did not assign account to the adverse accounts list. TRANSUNION continues to insert " Bankruptcy Dismissed ''. on XXXX XXXX account. Investigation and per the Fair Credit Reporting Act ( FCRA ) Chapter XXXX Dismissed Bankruptcy is to be removed with seven years of filing. Chapter XXXX Dismissed Bankruptcy is to be removed from my credit files in 2016. I submitted several request to remove Chapter XXXX Bankruptcy sooner than 2016. TRANSUNION had removed last year. TRANSUNION investigation report revealed that " A non discharged, OPEN or dismissed chapter XXXX bankruptcy ( Public Record ) remains on the credit file for 10 years from the filing date. This is inaccurate. Research revealed that a Chapter XXXX Bankruptcy is to remain on file for ten ( 10 ) years. Reports from the other major credit reporting agencies stated that Dismissed Chapter XXXX Bankruptcy is to remain on files fro seven ( 7 ) years. During the initial phase of Chapter XXXX Bankruptcy, I was to have provided financial information and devise a repayment plan. I was to have completed/file the Chapter XXXX Bankruptcy forms and a plan procedure with the courts. According to the Bankruptcy Law checklist I was to have met with trustees at the courthouse to review paperwork and plans for repayment. Prior to this scheduled meeting with trustees and preparing to attend a confirmation hearing, I met with my Bankruptcy Attorney and informed him that filing for Chapter XXXX Bankruptcy was not in my best interest. I voluntarily requested Chapter XXXX Bankruptcy be dismissed. The Bankruptcy Courts of West Virginia honored my request and dismissed this Chapter XXXX Bankruptcy prior to any conclusions. There were no lists of creditors, including XXXX XXXX, no amounts reported, or frequency of income provided. The Bankruptcy Courts labeled this file as void ( without any contents, empty ). Any and all comments related to Chapter XXXX Bankruptcy should be removed from this XXXX XXXX account.

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 2015-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
An car loan that supposedly was taken out on XXXX/XXXX/XXXX, was reported transferred to another office in XXXX/XXXX/XXXX. This was XXXX years after the loan was supposedly created. I have no record of this loan. I have had XXXX car loans in XXXX years. XXXX, after I XXXX from the XXXX XXXX in XXXX, for a XXXX XXXX XXXX and the other in XXXX for a XXXX XXXX truck. Each loan was paid in full with no late payments. Both vehicles were later sold with no lien holders to private buyers. I have no record of a car loan with the company saying I took out a car loan in XXXX. The first year the XXXX XXXX was offered was in XXXX as per research on the internet. Until I graduated from the XXXX XXXX on XXXX/XXXX/XXXX, I could not afford a car loan or any other loan. It is illegal for a company to carry a loan on its books for this amount of time. It also violates the time period a loan can be reported to a credit reporting agency per Federal law. I informed the credit reporting agency that as of this date XXXX years has transpired and they needed to remove this improper account from my credit report. They acknowledged that I have disputed this and still claim they have to wait to remove this based on what the creditor replies irregardless of what the laws are. The advent of long term car loans did not happen until the cost of vehicles made the standard three year car loans obsolete because people could n't afford the payments. This occurred many years after I purchased vehicles and also after this supposed car loan I have no record of in XXXX. I have requested on numerous times before that accounts that were over XXXX years or XXXX years that were being reported after the time periods had expired be removed and they were done without question. This account is over XXXX years old : this does n't make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Account Discovery Systems, LLC
State: WV

Complaint narrative:
Someone called my place of employment and a relative to whom no information was provided about something but did n't disclose what the reason was or anything. I do n't know why because I never received any type of notice from this company that a debt was placed with them or a right to dispute. I am also forwarding to this company a cease and desist notice as allowed under the FDCPA. I want all contact to stop except for a note with a right to dispute. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX account ending in XXXX still reporting on my credit. XXXX XXXX has already updated Transunion that account is n't mine. XXXX XXXX changed account to responsible person for account. After change Transunion did n't remove but instead put this persons address as my current address 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 2015-10-01 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:
Dispute Over Inquiries on TransUnion Credit Report- Unauthorized AccessI contend that all of the inquiries made by TRANSUNION INTERACTIVE, XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX CA XXXX, on my TransUnion Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent TransUnion credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have informed Trans Union of my case of Identity Fraud. It is your companies responsible to publish accurate information. I understand that i have to contract each company I have done so. Now I am Demanding Trans Union to follow the FCRA and publish accurate information.If I am informing your company of the issue of Identity Fraud it is your responsible to investigate the Furnished information. Inquires remain on your credit if I authorize the company or employer to view my credit with my consent in this case I DID NOT AUTHORIZE THE COMPANIES LISTED.I will be seeking advise from my ATTORNEY GENERAL. On this matter if its not resolved XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016

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 2016-03-14 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:
To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On my credit wise scores it does n't list none of my oldest loans from my bank nor any of my bank loans. I have never even been late on my payments. I believe that if reported that would greatly increase my credit score, thus saving me greatly on loan interest and insurance rates .I would deeply appreciate your looking into this for me. THANK YOU 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 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting XXXX hard inquiries on my credit profile which I never authorized : I have called and requested for fraud alerts and requested them to remove the inquiries so many times and every time they would say they are not authorized to remove any inquiries. Those inquiries are hurting my credit score badly. Most importantly I never authorized them. I requested Transunion to request for signed documents as the evidence of my authorization from those companies but did not have any luck. I badly need help in removing those unauthorized inquiries from my Transunion 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 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like to file a complaint with trans union regarding inaccurate information from XXXX XXXX I sent 3 Disputes to XXXX XXXX XXXX on XX/XX/2016 XX/XX/2016 XX/XX/2016 They Never Responded and Continue to report the account

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 2016-08-26 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Ally is reporting a paid account as collection. See attached agreement re : their unlawful repossession and ultimate agreement that they will report paid and remove negative actions after date of repossession

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 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
According to my credit report I owed {$130.00} to XXXX XXXX XXXX. However, they have no record of me ever having an outstanding balance with them. Neither do I.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have so many issues with this response, that I do n't know where to begin! 
# 1 I provided PHYSICAL PROOF that the public records are not reporting accurately and must be removed. How are they going to tell me that it 's " accurate '' to report information that does n't exist and that is invalid? How is it " accurate '' to report a balance when it should state that it has been paid? 
XXXX CT XXXX the date XXXX/XXXX/2011 is not the date this was filed and I need to see the petition where you obtained this information " XXXX CT '' is not the name of a court and you must list this as a bankruptcy court with the city and state The docket # XXXX is invalid and does not belong to this bankruptcy - please send me petition You have no plaintiff listed No liability amount listed Once again, I 'm asking HOW THIS IS EVEN LEGAL? 
# 2 TransUnion 's response to my letters ( received in the mail ), clearly states that the burden of proof is on ME and NOT them! This is not true. XXXX states in XXXX XXXX TRANSUNION that the burden of proof is on them and they can not tell me that I have to go directly to the creditor to obtain information. That 's THEIR job. They get paid to report information that is ACCURATE AND COMPLETE. When I notify them that this is not so, they must conduct an investigation into what I 'm stating is inaccurate or unverified. When I tell them once again that they are incorrect, they must ensure that the information they receive from the creditor is in fact accurate! Telling me that they verified the bankruptcy is NOT legal verification. XXXX states that the ONLY legal form of verification is FIRSTHAND KNOWLEDGE. They MUST physically possess the documentation that substantiates the reporting of these accounts PRIOR to even reporting them to ensure what they are listing is accurate! 
# 3 The CRA 's are paid to report information and have no incentive to remove any of the items. It is, however, their job to ascertain that what they are reporting is correct. This is why I have sent them the proof that what they are actually have on my public records section is NOT correct and they have failed to remove or correct it after 2 months and XXXX rounds of letters. I 'm looking at the actual paperwork ( petition ) from the court that verifies that they are reporting information that is invalid. This is also why I have provided this documentation to you.

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 2016-12-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a XXXX citizen retired in Florida who has had a XXXX score of over XXXX for many years. 
I learned via my XXXX card that my XXXX score was XXXX, a dramatic drop of over XXXX points from my XXXX score of XXXX! 
Since I use automatic payments to pay my bills, I explained to the XXXX staff that the only relevant item I could think of was the recent increase in its credit line. While I appreciated that confidence in my financial strength, I did not request such increase since I pay my credit cards in full each month.. 
It is not clear to me what data was used to cause this dramatic XXXX decrease ; that is why I decided to write to your agency for your assistance in determining the facts. 
Let me conclude with noting that if anything, I would believe my score should have gone up since XXXX given the sharp increase in the stock market. 
I thank you in advance for your help in answering my question as to the manner in which my XXXX score was determined.

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 2015-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have not been able to obtain my report other than from XXXX XXXX due to Transunion said they could not verify me. They have XXXX reports from XXXX closed/derog ch XXXX that are incorrect ; XXXX ch XXXX double reported limit {$300.00} and {$250.00} ; XXXX {$1500.00} should be reported paid in full ; they have collection accounts that state that meet fcra requirements for disputes that should be removed yet remain on my report. XXXX {$1200.00} ; XXXX {$620.00}, XXXX $ XXXX {$250.00} ; I would like these removed a new report issued to those that have inquired against me as I have been denied credit with a new score and sent to me via email with the score and report as well as mail. My email is XXXXXXXXXXXX.

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