vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Unauthorized and Fraudulent Credit Inquiries Dear XXXX XXXX, I hope this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to address a concerning matter regarding my recent credit report provided by TransUnion XXXX. 

Upon reviewing my credit report, I discovered several unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX - Date of Inquiry : XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XXXX XXXX XXXX  - Date of Inquiry : XXXX XXXX XXXX - Date of Inquiry : XXXX I want to emphasize that I did not provide authorization to anyone employed by these companies to access or view my credit report. Moreover, I did not grant TransUnion XXXX permission to include this information on my credit report. Such actions not only violate the Credit Reporting Act Section 1681b ( c ), but they also represent fraudulent activity and a serious breach of my privacy rights. 

I request your immediate attention to this matter. I urge TransUnion XXXX to take swift action to rectify this situation by removing the unauthorized and fraudulent credit inquiries from my credit report promptly. Additionally, I expect a written confirmation of the removal and an explanation of the actions taken to prevent similar occurrences in the future. 

Please consider this as an urgent matter, and I trust that you will handle it with utmost diligence. Your cooperation and prompt resolution will be greatly appreciated. 

Thank you for your attention to this serious issue. 

Sincerely, 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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to file a formal complaint against Equifax regarding an ongoing issue with the reporting of an account from XXXX XXXX  on my credit file. The case number for my previous complaint is XXXX. Despite providing the necessary documentation and following the guidelines set forth by the FCRA, the account in question remains on my credit report, even after Equifax 's initial response stating otherwise. 

On XX/XX/2023, I submitted a complaint to CFPB about Equifax, stating that the account from XXXX XXXX  appearing on my credit report was a result of identity theft. To support my claim, I included a detailed identity theft report and an official police report, as recommended by the relevant credit laws. My intention was to rectify this issue promptly and protect my credit profile from any further harm. 
On XX/XX/2023, I received a response from Equifax, Case # XXXX, in which they stated, " Please be advised that Trade : XXXX XXXX  is not reporting on your credit file. '' Despite this assurance, I regret to inform you that, as of XX/XX/2023, the disputed account continues to appear on my credit report under the closed accounts section. 

I urgently request a formal and complete deletion of this fraudulent account from my credit report, as previously stated by Equifax. Reporting identity theft accounts is a matter of utmost importance, and prompt resolution is essential to safeguard my financial well-being. The extended duration of over XXXX months to address this matter is deeply concerning and has caused significant distress. 

To assist you in investigating the situation, I have attached the following documents : 1. A copy of my most recent credit report, clearly showing the erroneous entry from XXXX XXXX. 
2. A copy of the police report documenting the identity theft incident.

3. The previous correspondence from Equifax, which falsely indicated that the account was not reporting.

I sincerely hope that you will take swift action to rectify this situation and ensure the immediate removal of the erroneous account from my credit file. I trust that the Consumer Financial Protection Bureau will prioritize this matter to protect consumers from the impact of identity theft on their credit histories.

Please feel free to reach out to me if you require any additional information to expedite the investigation process. I look forward to a prompt resolution to this complaint.

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On Sunday XX/XX/23, I noticed while I was in the mall a transaction in my Chime checking account, I did not make to XXXX  cable company for the amount of {$500.00}, I called XXXX about this transaction, but they told me that the only transaction they see on their side was for {$130.00} on XX/XX/23 I made previous day. XXXX does not have records of any transaction for the amount of {$500.00}. When I called Chime support to dispute that fraud transaction, they asked me to submit any documentation and I submitted the bank statements where only shows that on transaction for {$130.00}. They told me that in 10 days, if approve, I will get a credit and then it would take up to 90 days but then my dispute was denied again and I called them back in XXXX and they reopen the dispute, again they said I needed to wait and I requested by email the documentation they have for the reason that was denied but they never responded and send any such documentation. I called again today XX/XX/23 and again was denied for the third time and they told me the same thing about reopening the case and I have to wait up to 90 days. I told them this time I will report and get an attorney if it gets deny again. They have not even tried a backcharge or anything and I believe that there is no investigation team in Chime or anyone investigating because they could not transfer me to that department or provide information of who was handling my case. I need this money and help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: RI

Complaint narrative:
On my ChexSystems report there is a listing for a XXXX XXXX Checking account. It shows discharged and unpaid. It was actually paid before it was discharged in full. I had XXXX from the Chairman 's office at XXXXXXXX XXXX investigate this. The account is paid in full and should be removed asap. I have put in several disputes with ChexSystems through their website and it has yet to be deleted.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report is showing late payments on XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history or better yet, DELETE the whole account from my report. If there is any confusion, I suggest you contact myself or the customer service representative.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report is showing late payments to 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 and XXXX XXXX XXXXXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
currently looking to purchase a home and when i have had my credit pulled by the bank it shows some inconsistencies which i mailed Experian back on XX/XX/23 i have given them more then enough time but yet I still seem to be ignored.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to file a formal complaint against Equifax regarding an ongoing issue with the reporting of an account from XXXX XXXX on my credit file. The case number for my previous complaint is XXXX. Despite providing the necessary documentation and following the guidelines set forth by the FCRA, the account in question remains on my credit report, even after Equifax 's initial response stating otherwise. 

On XX/XX/2023, I submitted a complaint to CFPB about Equifax, stating that the account from XXXX XXXX appearing on my credit report was a result of identity theft. To support my claim, I included a detailed identity theft report and an official police report, as recommended by the relevant credit laws. My intention was to rectify this issue promptly and protect my credit profile from any further harm. 
On XX/XX/2023, I received a response from Equifax, Case # XXXX, in which they stated, " Please be advised that Trade : XXXX XXXX  is not reporting on your credit file. '' Despite this assurance, I regret to inform you that, as of XX/XX/2023, the disputed account continues to appear on my credit report under the closed accounts section. 

I urgently request a formal and complete deletion of this fraudulent account from my credit report, as previously stated by Equifax. Reporting identity theft accounts is a matter of utmost importance, and prompt resolution is essential to safeguard my financial well-being. The extended duration of over XXXX months to address this matter is deeply concerning and has caused significant distress. 

To assist you in investigating the situation, I have attached the following documents : XXXX. A copy of my most recent credit report, clearly showing the erroneous entry from XXXX XXXX. 
XXXX. A copy of the police report documenting the identity theft incident. 
XXXX. The previous correspondence from Equifax, which falsely indicated that the account was not reporting. 

I sincerely hope that you will take swift action to rectify this situation and ensure the immediate removal of the erroneous account from my credit file. I trust that the Consumer Financial Protection Bureau will prioritize this matter to protect consumers from the impact of identity theft on their credit histories. 
Please feel free to reach out to me if you require any additional information to expedite the investigation process. I look forward to a prompt resolution to this complaint. 
Thank you for your attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681 XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer containing any of the following items of information Any adverse items of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681=2 ( A ) ( 1 ) A Person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681 XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer containing any of the following items of information Any adverse items of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681=2 ( A ) ( 1 ) A Person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: LA

Complaint narrative:
I purchased a vanilla gift card at XXXX on XX/XX/2023. The card was supposed to be worth {$75.00}, my total at XXXX was {$79.00}. I haven't been able to use the card at all. I called support immediately and filed a report, sent pictures of my receipt, and driver 's license, and I've called the number on the back of my card XXXX times a week since the case was opened in XXXX and they will not respond. I have a case number I will provide upon request. Lately, when I call customer service, they tell me they have my documentation and they will " escalate '' my file and to call back in XXXX business hours... Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In disdain of my previous request, I found out that the inaccurate items still appeared on my credit file. I value your help to REMOVED some of the items in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out. Per FCRA segment 605 credit bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've already include this report for a past letter and I am including it once more. These are the following fraudulent items that are needs to be deleted : XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Unpaid Balance {$2200.00} XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XX/XX/2023.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX ; XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXXBalance Owed : {$6800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00}.

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