vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request a re-investigation based on new evidence of updates regarding a XXXX XXXX account reported on my TransUnion credit report with a balance of {$6100.00}. The account is also listed as a charge-off, which raises concerns about the accuracy of reporting a charge-off status alongside an outstanding balance. If the account has been charged off, I question why a balance is still being reported. This inconsistency suggests that the information on my credit report is inaccurate, which is negatively impacting my credit score. I am challenging the accuracy of the recently updated information, including the charge-off status, balance, payment history, payment status, last payment date, and any other related details. These discrepancies require further investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to request a re-investigation of any disputed information, especially when new updates are involved. I ask that TransUnion verify the accuracy of all details related to this XXXX XXXX account. If TransUnion decides to maintain the account on my credit report, I request a detailed description of the procedures used to verify the accounts accuracy, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), and include any supporting documentation from XXXX XXXXXXXX, such as payment history and account statements. If the information can not be verified or corrected to accurately reflect my account history, I request that the account be removed entirely from my credit report. Thank you for your prompt attention to this matter, and I look forward to your response within the 30-day period stipulated by the FCRA.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Reporting information on a consumer 's credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated, I am demanding the company block and remove the inquiries from my consumer report not later than XXXX business days after such information I provide. Inquiries : 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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request a re-investigation based on new evidence of updates regarding a XXXX XXXX account reported on my TransUnion credit report with a balance of {$460.00}. The account is also listed as a charge-off, which raises concerns about the accuracy of reporting a charge-off status alongside an outstanding balance. If the account has been charged off, I question why a balance is still being reported. This inconsistency suggests that the information on my credit report is inaccurate, which is negatively impacting my credit score. I am challenging the accuracy of the recently updated information, including the charge-off status, balance, payment history, payment status, last payment date, and any other related details. These discrepancies require further investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to request a re-investigation of any disputed information, especially when new updates are involved. I ask that TransUnion verify the accuracy of all details related to this XXXX XXXX account. If TransUnion decides to maintain the account on my credit report, I request a detailed description of the procedures used to verify the accounts accuracy, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), and include any supporting documentation from XXXX XXXX, such as payment history and account statements. If the information can not be verified or corrected to accurately reflect my account history, I request that the account be removed entirely from my credit report. Thank you for your prompt attention to this matter, and I look forward to your response within the 30-day period stipulated by the FCRA.

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 2024-09-14 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: FL

Complaint narrative:
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.These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an installment account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a personal secured credit line at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX. There is also a fraudulent collection account, XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There was Fraudulent charges on my XXXX XXXX XXXX XXXX  From XX/XX/year> to XX/XX/year> Also fraudulent hard inquiries recently added to my credit report. We already had this tried to delete these. I filed a complaint wuth the FTC and attached the report report. accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : 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  15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED 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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There was Fraudulent charges on my XXXX XXXX XXXX XXXX From XX/XX/year> to XX/XX/year> Also fraudulent hard inquiries recently added to my credit report. We already had this tried to delete these. I filed a complaint wuth the FTC and attached the report report. accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : 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 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi Experian, I just received a copy of my credit today and I found this fraud credit card account opened without my knowledge. 
The account balance is inaccurate fraud and I never have this card in my possession and I should not be responsible for fraud account. 
This fraud credit card shall delete from my credit report. I was on the phone earlier with XXXX  XXXX fraud team and I was told that I have the right to have fraud account delete from my credit report. 

I would like to exercise my right and have this fraud account delete from 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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request a re-investigation based on new evidence of updates regarding a XXXX XXXX account reported on my TransUnion credit report with a balance of {$2300.00}. The account is also listed as a charge-off, which raises concerns about the accuracy of reporting a charge-off status alongside an outstanding balance. If the account has been charged off, I question why a balance is still being reported. This inconsistency suggests that the information on my credit report is inaccurate, which is negatively impacting my credit score. I am challenging the accuracy of the recently updated information, including the charge-off status, balance, payment history, payment status, last payment date, and any other related details. These discrepancies require further investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to request a re-investigation of any disputed information, especially when new updates are involved. I ask that TransUnion verify the accuracy of all details related to this XXXX XXXX account. If TransUnion decides to maintain the account on my credit report, I request a detailed description of the procedures used to verify the accounts accuracy, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), and include any supporting documentation from XXXX XXXXXXXX, such as payment history and account statements. If the information can not be verified or corrected to accurately reflect my account history, I request that the account be removed entirely from my credit report. Thank you for your prompt attention to this matter, and I look forward to your response within the 30-day period stipulated by the FCRA.

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 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Law Office of Michael J. Scott, PC
State: SC

Complaint narrative:
In XXXX  I re d XXXX letters from XXXX XXXX XXXX of a fraudulent pymt made on both access paying them off, immediately called credit card company as they wanted to pursue me for an illegal transaction. They determined it was fraud and closed both access. I pulled my credit report a few weeks ago to dispute the XXXX current seeings and both accts are not showing on my report like they shouldn't, then in XXXX I am now being sued and harassed by a debt buyer co. They will not listen to me they can.not show proof of anything other than bills w an account I have never had, sat on phone for them.to investigate and they to thus day have never called me back. I have asked for contract w my signature, transactions w my signature anything w my signature or anyone for that matter using mine or there signature they just continue to send the same stats and not even all of them. I did go to to police they looked at my paperwork and said they can't do a report since in XXXX  it was handled and doesn't show the original accts on my credit and to co tact your company, the debt co Scott and assoc sent q filing in court and asked for a continuance and was granted even tho I denied and wanted to show my paperwork Judge said it would be in by best interest they were still trying to fi d proof of debt, now 1 wk ago I get a XXXX XXXX  w a less amt and same acct number as first filing, went to court house and showed same acct but because there XXXX different dollar acts they will not remove it, I am beside myself as to what to currently do, it seems the debt buyers k ow I can't get a report because this happend a few yrs ago, a judge who will not listen to me or any reason, only one other card on my report had an issue to to not receiving an item but history will show I have paid all my other accts, and I wouldn't be fighting so hard to straightening this out but it is affecting my hojse, job etc. And no one will listen to me or instant me except the police who sent me to your company and also about 2-3 other debt companies as well are sending me collection letters, so multiple companies have bought thus debt??? I truly don't u derstand

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/year> Last XXXX SS : XXXX Account : XXXX XXXX XXXX XXXX XXXX  XXXX Upon reviewing my credit file/report I noticed that there were some unauthorized hard inquiries on my account. I Contacted the fraud department of the credit reporting angencies and inform them. I was told that the items will not be disputed and to contact the companies. I inform the representatives that i tried to resolve the issue month ago. I was dismissed with no help or remedy for these unauthorized and unverified inquires. I imformed them that if these are unauthorized then they are not accurately reporting my credit history. I was treated discourteously and requested to speak with a supervisor. I was told ill be contacted in XXXX to XXXX hours.

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 2024-09-14 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-09-14 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: EQUIFAX, INC.
State: GA

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 : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
My husband and I have a joint checking account. Unfortunately on XX/XX/2024 my husband was a victim of fraud. He received a call from area code and when he answered the person stated he was a XXXX XXXX he stated his name and badge number. The reason for his called was to collect fees for not attending jury duty. He said he owed XXXX for not attending. And that he had to paid immediately. Of course my husband got scared because he in fact has missed XXXX jury duties and got scared. The XXXX  provided him with his Full name and birthday and my husband really thought he was a police offer and proceeded to make the payment via an atm. The XXXX stated if he didnt make the payment he would go to jail. But when my husband made the first payment of XXXX $ thats when he said the XXXX was switching up his story and thats when he said he was going to the police department to figure this out. The man on the phone told him no not to go because he was going to get booked. Thats when my husband called me and was telling me a quick summary of what had happened and I told him immediately to go to the police department and file a police report. Then I proceeded and called my bank right away I told them what happened they said they were going to help and solve this problem yet once they concluded their investigation they denied the claim and said it was not fraud since my husband did pin validate the transaction. So we are lost for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: FL

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 : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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