vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) 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 the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
CREDIT BUREAU : TRANS UNION/ TRANS UNION LLC FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX 

TRANS UNION/ TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND XXXX HAVE MOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER 1 YEAR. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. TRANS UNION/ TRANS UNION LLC HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. 
I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER 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 non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint against EXPERIAN regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. 

Upon reviewing my EXPERIAN credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent.

I have already taken steps to address these issues by contacting EXPERIAN directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability.

I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my EXPERIAN credit report. Additionally, I seek written confirmation from EXPERIAN once these accounts have been corrected. I also ask the CFPB to investigate EXPERIAN handling of my dispute and its adherence to FCRA and CFPB rules.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint against TransUnion for its failure to provide access to my online credit profile, credit reports, and scores, as well as the ability to manage my credit profile. This has significantly impacted my ability to address fraudulent accounts and inaccuracies on my credit report.

I am specifically disputing a fraudulent account that appears on my credit report : - **Account Name XXXX XXXX XXXX XXXX XXXX XXXX ( Also known as XXXX XXXX XXXX XXXX XXXX XXXX **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened due to identity theft. Despite this, TransUnion has failed to permanently remove the account from my credit report. After initially being removed, the account has reappeared, which further violates my rights under federal and state laws. 

TransUnions actions are in clear violation of several federal and California state laws, including but not limited to : - **Fair Credit Reporting Act ( FCRA ) : ** Under the FCRA, I have the right to dispute inaccurate information and have it corrected or removed from my credit report. XXXX failure to permanently remove this fraudulent account, and allowing it to reappear, violates this law. 

- **California Consumer Privacy Act ( CCPA ) : ** The CCPA grants me the right to have personal information deleted and ensures that it is not reintroduced without my consent. TransUnion 's reappearance of this account is a violation of these protections.

- **Consumer Rights Under the FCRA : ** TransUnion 's failure to provide online access to manage my credit profile, reports, and scores further violates my consumer rights under the FCRA . The inability to manage disputes online has obstructed my efforts to address fraudulent information.

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnion 's practices and ensure compliance with all applicable federal and state laws. I demand the immediate and permanent removal of the fraudulent XXXX XXXX XXXX XXXX account from my credit report, along with a written confirmation that this account has been blocked from reappearing in the future.

TransUnions disregard for federal and state regulations has caused significant harm and stress. I expect prompt corrective action to resolve these ongoing violations of my consumer rights.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint against TransUnion for its failure to provide access to my online credit profile, credit reports, and scores, as well as the ability to manage my credit profile. This has significantly impacted my ability to address fraudulent accounts and inaccuracies on my credit report. 

I am specifically disputing a fraudulent account that appears on my credit report : - **Account Name : XXXX XXXX XXXX XXXX XXXX ( Also known as XXXX XXXX XXXX XXXX XXXX XXXX **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened due to identity theft. Despite this, TransUnion has failed to permanently remove the account from my credit report. After initially being removed, the account has reappeared, which further violates my rights under federal and state laws.

TransUnions actions are in clear violation of several federal and California state laws, including but not limited to : - **Fair Credit Reporting Act ( FCRA ) : ** Under the FCRA, I have the right to dispute inaccurate information and have it corrected or removed from my credit report. TransUnions failure to permanently remove this fraudulent account, and allowing it to reappear, violates this law.

- **California Consumer Privacy Act ( CCPA ) : ** The CCPA grants me the right to have personal information deleted and ensures that it is not reintroduced without my consent. TransUnion 's reappearance of this account is a violation of these protections. 

- **Consumer Rights Under the FCRA : ** TransUnion 's failure to provide online access to manage my credit profile, reports, and scores further violates my consumer rights under the FCRA . The inability to manage disputes online has obstructed my efforts to address fraudulent information. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnion 's practices and ensure compliance with all applicable federal and state laws. I demand the immediate and permanent removal of the fraudulent XXXX XXXX XXXX XXXXXXXX account from my credit report, along with a written confirmation that this account has been blocked from reappearing in the future.

TransUnions disregard for federal and state regulations has caused significant harm and stress. I expect prompt corrective action to resolve these ongoing violations of my consumer rights.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
The contractual date began in XXXX of 2018. It was approximately XXXX months later, I noticed there were additional fees being applied. I called and wrote Ally on a consistent basis. Working to resolve the discrepancies. Honestly, there are so many I had and/or have a hard time keeping up with them. 

I have come up with a minimum of {$48.00} in the number of overpayments. 

In reviewing the amounts today, the number is adding a {$690.00} amount. 

Additionally, there were fees and charges made to my personal checking account in excess of {$300.00} not recovered! 

Beware of Ally they also close personal accounts with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I paid off my mortgage loan in XXXX of this year. When the lawyer went to cancel the Mortgage at the XXXX XXXX in XXXX, he realized that the mortgage wasn't registered, so it could not be cancelled. 

I made XXXX complaints to the bank without response. 

Today I called the bank again and they told me that I had to make arrangements to contact the lawyer who did the closing in 2004 to make a new deed and present it, that the arrangement wasn't with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX, I'm reaching out to express my concerns about several issues with the credit bureau. These include incorrect account listings, numerous unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me. 

I am seeking assistance to resolve these issues to ensure my financial stability.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I called customer service. I gave them my card # and ssn for security validation the last step was my security code. The representative said please provide me with your security code, your mother maiden name so I told the rep my mother maiden name. I was then told it was incorrect security word. I proceed to tell the rep that that is indeed my mother maiden name. The rep then says well your security word isnt that. So I asked the rep why would you say its my mothers maiden name. If they were unsure. So I was given XXXX more chances and got the correct answer on my XXXX try which would have been my XXXX try if I wasnt given false information. I then spoke to supervisor XXXX from dept client relations. And was told my account will be closed.

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