23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against TransUnion for FCRA Violations Failure to Remove Fraudulent Accounts To Whom It May Concern, I am filing a formal complaint against TransUnion for its continued failure to remove fraudulent accounts from my credit report despite multiple disputes, submission of a police report, and several FTC Identity Theft Reports. TransUnion has also failed to provide any accurate or verifiable proof of its alleged investigation into these disputes. These ongoing inaccuracies are causing me significant financial and personal harm. 

The following accounts were fraudulently opened in my name due to identity theft and should have been permanently blocked from my credit file under the Fair Credit Reporting Act ( FCRA ) : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX Despite my numerous disputes and supporting evidence, TransUnion continues to report these accounts, which is a direct violation of the FCRA, particularly 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) and 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ). Additionally, TransUnion has failed to provide proper documentation proving a legitimate investigation was conducted as required by law. 

Due to these violations, I am seeking legal damages of {$1000.00} per inaccuracy, as these accounts are actively causing me harm, including damage to my creditworthiness, emotional distress, and financial hardship. I demand : 1. Immediate and permanent removal of these fraudulent accounts from my TransUnion credit file.

2. A formal written response confirming that these accounts have been permanently blocked.

3. A full and transparent explanation of TransUnions failure to comply with the FCRA and properly handle my disputes.

I expect TransUnion to comply within four ( 4 ) business days from the date of this complaint. If TransUnion fails to take immediate corrective action, I will pursue legal action for FCRA violations. 

Thank you for your prompt attention to this matter. Please keep me informed of any developments regarding my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have been a victim of identity theft, resulting in numerous fraudulent accounts appearing on my credit report. These accounts were opened without my knowledge or consent, and I am requesting immediate action to address and remove them. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC XXXX and am demanding the prompt removal of these fraudulent accounts to restore the accuracy of my credit report.
Product: Debt collection

I have a {$550.00} debt from Midland Funding, LLC which i think is XXXX XXXX from XX/XX/XXXX... I didn't firsthand remember evening taking funding from them, but since I seen it on my Credit profile decided to settle the debt because I didn't know much about disputing at the time... As of today it's still on my credit file and I want it off, I've disputed it settled on XXXX XXXX and also XX/XX/XXXX... and it's coming back accurate. I don't mind paying debts I know that is mine, as I'm trying to clean up my credit, but this is inaccurate and I want it off my credit profile.
Product: Credit card or prepaid card

Noticed in XX/XX/XXXX a series of fraudulent charges on our credit card ( four charges in total amounting to over {$4000.00} ). We contacted the bank ( Citi Bank ) immediately to dispute the charges and within a couple of days two of the four charges were taken off our statement. A couple months later we contacted the bank again to inquire as to why the other two have not been removed from our account ( ~ {$1800.00} ). The bank indicated that they were still investigating those charges and once they concluded their investigation the charges would be removed.

We contacted the bank in XX/XX/XXXX to inquire about those same two charges and their investigation, we were told that they would have to reopen our file under the old card number to review the charges. This tells me that they closed the file without doing any investigation into the charges and did not notify us of this development. 

Meanwhile, for nine months, we have been accruing interest charges on those charges. With the way credit cards work, we've been incurring compounded interest making this worse. This is now taking up almost {$2000.00} of our credit line and inhibiting our ability to make purchases as part of our daily routine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these 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 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 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 XXXXXX/XX/XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS APPEARS ON MY REPORT AS A RESULT OF ID THEFT : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES ARE ALSO A RESULT OF ID THEFT : XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I HAVE ENCLOSED MY POLICE REPORT AND ID THEFT REPORT.
Product: Credit reporting or other personal consumer reports

I reached out to the company and reported it as fraud and requested a fraud packet to start their investigation. I have not received it, I can no longer get in touch with the company to rectify the problem and they have sent mail and people to my home.
Product: Credit reporting or other personal consumer reports

In my previous dispute, there was an unfortunate oversight where incorrect documentation and mismatched CFPB dispute documentation were submitted. Despite this error, it is imperative to address the inaccuracies on my credit report to ensure compliance with federal regulations. I have included the correct documentation with this letter and expect immediate action to resolve these matters. 

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Transunion any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Product: Consumer Loan

Today 1st Franklin came to my place of employment. I was not at my desk but received XXXX voice mail messages from securty advising that someone from the company was in the lobby to give me a financial debt claim. I am very embarrassed. I entered into a reduced payment amount and I am experiencing financial hardship. 
I am not disputing the debt. But would like to settle for 50 %.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX SS # XXXX XXXX Complaint Experian This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C {$1600.00} c-2 ) that you, the Experian credit reporting agency, block information on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards opened at XX/XX/XXXXXX/XX/XXXX with an account number XXXX, an auto loan with XXXX XX/XX/XXXX NA opened on XX/XX/XXXX with an account number XXXX and a balance of {$38000.00}, an auto loan opened with XXXX XXXX XXXX XXXX XX/XX/XXXX with an account number XXXX, a bank account at XX/XX/XXXXXXXX XXXX XX/XX/XXXX. XXXX with an account number XXXX, a credit card with XX/XX/XXXXXXXX XX/XX/XXXX with an account number XXXX, XXXX XXXX a charge card opened XX/XX/XXXX with an account number XX/XX/XXXX****. These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report maintained by you which shows the aforementioned accounts, collections, charge offs, and hard inquiries, are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint # as proof of the federal trade commission that all of the aforementioned consumer credit account, charge offs, collections, and hard inquries are the result of identity theft and fraud.
Product: Credit card

Citi bank for 2 years reported incorrect a XXXX balance and after two years XXXX  passed they are now reporting a error amount of {$7100.00} for a {$6000.00}. Credit limit card and cancelled the incorrect of {$7100.00} and issued a 1099-C without my consent. Secondly they refused to provide my billing statement. To verify the the amount on the account.

I dont want the amount to be canceled. I just want to pay the correct amount that I owed. 

The 7 year report ebds in XX/XX/2005 but I can not wait. I need to pay the correct amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below.. Also I have attached the letter I sent out and here is the tracking # s XXXX, XXXX, XXXX, According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 


List of inaccurate accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was a part of the perpiortery lending violations in XXXX with Chase Bank. In XXXX The federal Trade Commission performed a forensic audit on my loan and found several truth and lending violations. Chase in turn took XXXX and put it in a balloon payment on the end of my loan, reduced my interest rate to 5 % fixed. 

Now, in XXXX I was unable to make XXXX payment, but have been paying every month lagging behind the XXXX payment. Chase refused to assist me with the XXXX payment. Chase sourced the servicing of my loan out to XXXX XXXX XXXX XXXX XXXX. 

I have been trying to modify my loan with them since XXXX XXXX. I have sent tones of paperwork in to them at their request. Each month, they come back with a different person asking for the same paperwork in a different format. I send all the paperwork electronically through their email XXXXXXXXXXXX. I am on a fixed income, unable to makeup the missed payment. XXXX continue to send threatening foreclosure letters to me via certified mail, but they are also accepting my payments every month. These practices are causing me health issues. I had a XXXX two weeks ago. I do not know what else to do. I can not sell or lease my house because the loan in XXXX was more than the appraised value of the house. The lender appraised my house for {$390.00} in XXXX, and it was only worth about {$190.00}. I now have a loan more than my house is worth. The collectors at XXXX are rude and nasty with the exception of XXXX XXXX. He understand my issue and can not explain why they keep asking me for the same paperwork over and over. I do not feel that XXXX is following the rules of the Making Homes Affordable Act. When I asked to speak to a supervisor, she simply told me she could not help me and maybe I ca n't afford the house, to get out before it 's to late to sale it. I told her I invested my life saving in this house and that I was only XXXX payment behind. She said too bad and hung up the phone. All of the documents I attached was sent to XXXX from XXXX to today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have learned that TransUnion gave out my credit information fraudulently in response to two " hard '' credit inquiries, to an entity called " XXXX via XXXX XXXX, '' on XX/XX/2020 and XX/XX/2020. I do not know who or what this entity is. I have never dealt with it. I have never authorized anyone to give this entity. I have attempted to get TransUnion to remove these inquiries from my credit report via its website, but the TransUnion website doesn't permit anyone to contest false and fraudulent credit inquiries online When I tried to get TransUnion to remove these inquiries via their on-line chat, I was told I had to file a complaint with the police first and mail ( via U.S. mail , no online equivalent ) a police report first. That's ridiculous and contrary to law ; it's THEIR burden ( TransUnion 's ) to prove that they were authorized by me to respond to the credit inquiry. I have attempted to file a complaint with the FTC online but it directed me here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me 120 days late on the XXXX - partial account number XXXX and XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. This negative reporting is harming my credit score. It is impossible to be 120 days late on an account with a {$0.00} balance and {$0.00} past due.
Product: Vehicle loan or lease

I have been getting charged for late payment 's which are suppose to be {$20.00} if payment is late. On time payments have accrued late charge fee 's without my knowledge. There are statements that do not add up correctly. Last payment amount should have brought my account up to date with late charges. Wells fargo states I owe an additional {$240.00} odd dollars for this current payment which was payed the beginning of this month on XX/XX/23. Waiting on XX/XX/23 statement to be accounted for on my account which I made a payment of {$260.00} on XX/XX/23 to bring my account up to date. There should not be an additional {$240.00} still owed.
Product: Mortgage

The mortgage with Owning Corporation has been funded, but they are calling/emailing me 2 months afterwards saying they need additional documents and rental income information, to provide an investor, which seems like a breach of confidentiality/privacy. I have not provided these documents.
Product: Credit card or prepaid card

On XX/XX/2022, I purchased the item ( front door and the installation ) from Home Depot located in XXXX XXXX NC, store number XXXX XXXX  # XXXX. The total amount that appears on my XXXX credit card is {$1700.00}. The door was installed on XX/XX/2022 ( due to supply chain global issues ). However, the product installed is defective. The installer identified the defects of the product and documented them in the report that was sent to XXXX and its vendor XXXX. I have been in contact with the XXXX executive team as well as with customer service ( available in writing upon request ), however, there is no progress on the issue. I only have a contractual agreement with XXXX and with no other vendors XXXX  uses, therefore, my complaint is addressed to XXXX XXXXhe cold weather is approaching and I still have big air gaps through the door and door frame. I have pictures and videos proving my concerns. 
This issue classifies as a false advertisement.
Product: Credit card or prepaid card

The beginning of XXXX 2017, another individual used my information ( Name, address, social security ) to apply for multiple new lines of credit. Whilst most of them got denied by using proper security checks, two credit  card companies allowed this individual to successfully open a credit card using my information. Here is the info that I have from my XXXX report : 1 ) Barcalays bank :  Account Number : XXXX 2 ) XXXX/XXXX 's : Account Number : XXXX As soon as I realized these accounts were opened, I put in a dispute with XXXX. I also opened an account with XXXX. Using their recovery program and by contacting both Barcalay 's Bank and XXXX 's myself, I was able to get XXXX 's removed from my credit report. However, Barcalay 's bank is not working very well with me. I have called them myself and when I give them my information, name, social, etc.. They continue to tell me they ca n't find my account information. I have also mailed them multiple times. Then I received a call at my grandparents house, where I do n't even live, from Barcalay 's bank asking me by name because my account is overdue ( they were calling every day for about a week ). Luckily I was there one day when they called and I explained the situation to the representative and she said she was going to transfer me to the " security team. '' I then waited on hold for a couple of minutes then the line went dead. I called them 3 times since and each representative still tells me that they ca n't find my account by using my name or other info, but yet they called a relatives house and were asking me by first and last name. The next step on my identity theft recovery program is to put in a complain with you.
Product: Debt collection

This company is trying to collect a debt. I do not owe this company. I have never contracted with them and I do not agree to this debt. 

They are reporting misleading information on my consumer profile which I did not give them permission to access my consumer profile.
Product: Debt collection

I received a call when I was at work at XXXX on Monday, XXXX XXXX from XXXX. She introduced herself as a debt collector calling w/Fidelity to obtain a debt. She informed it will be recorded. She than informed me I had a bill for {$53.00} from XXXX but it has not yet been reported to the Credit Agency. I told her I am so sorry ( as I thought it was covered by my insurance ) and that I am more than happy to pay this Friday, XX/XX/XXXX and can she please send a letter and/or email confirming it will not reflect on my credit report at all. She said she does n't have any way to do that, I asked if her manager can please send me an email. She placed me on hold than placed XXXX XXXX XXXX on the phone. He was extremely rude and continued to over talk me and say no one can do this. I asked if I can possibly speak with or get contact information from his manager as I was working with a lender who informed me to do this specifically. Finally after I stated I have no problem paying I just want something affirming it will not be on my credit report and can you please give me an email or contact number for your manager. He said you can speak w/him directly and when I asked again for his direct number ( to ensure he was not a co-worker and an actual manager ) he ignored my request and transferred me to a gentlemen. I started speaking w/him and after about 10 seconds and no response from him I looked at my phone and they disconnected the call. I tried calling back twice and it just rings, no way to contact them. I still have no way of paying this as I have searched for Fidelity and there are many. Please assist as soon as possible, I am also in the process of contacting XXXX. 
Thank you!