vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: LA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and to request the immediate blocking and deletion of all accounts related to the breach, in accordance with 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). As the breach involved unauthorized access to my personal and financial information, I request that the following accounts be deleted from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$180.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4500.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$980.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX BANK - XXXX - XX/XX/XXXX - {$5700.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$9200.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$38000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$130.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$190.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$7500.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX. XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4500.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$4400.00} Inquiries to be blocked and deleted : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/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 2024-12-16 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: LA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and to request the immediate blocking and deletion of all accounts related to the breach, in accordance with 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). As the breach involved unauthorized access to my personal and financial information, I request that the following accounts be deleted from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$180.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4500.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$980.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$5700.00} XXXX. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$9200.00} XXXX. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$38000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$130.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$190.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$7500.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4500.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$4400.00} Inquiries to be blocked and deleted : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I didn't initiate started a fraud alert on my credit report. Please remove these fraud alerts.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I didn't initiate started a fraud alert on my credit report. Please remove these fraud alerts.

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 2024-12-16 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 am writing to formally notify you that I am a victim of a data breach, and I request that you block and delete all accounts associated with this breach, as per my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
One of the affected accounts is with XXXX XXXX, as outlined below : Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of Account Opening : XXXX/XXXX/2020 Current Balance : {$0.00}

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
Consumer complaint received 2024-12-16 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: TX

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and I request that you block and delete all accounts associated with this breach, as per my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX of the affected accounts is with XXXX XXXX, as outlined below : Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of Account Opening : XXXX/XXXX/2020 Current Balance : {$0.00}

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 explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
The debt was discharged in my bankruptcy however Navy Federal Credit Union filed a complaint for a judgement in the matter. My attorney advised that I send a copy of the discharge paper.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: IL

Complaint narrative:
My credit report contains incorrect personal details, and as a result, multiple unknown and inaccurate accounts have appeared. These accounts are not mine and are impacting my credit standing unfairly.

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 2024-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX SSN : XXXX | XXXX : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 



XXXX Account # XXXX Unverified Account ( Provide Physical Verification ) * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. 



Thank You, 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: DC

Complaint narrative:
XXXX XXXX  is reporting inaccurate information to my credit profile violating the FCRA guidelines as a consumer also the account is identity theft and reporting fraud to my credit profile which is a violation of the FCRA the company can not provide proof of verification I am not responsible for this account the account was deleted and reinserted atfer five days without my knowledge that is also a violation of the FCRA I would like a full investigation and I would like to be provided directly with proof I am responsible for this a debt also I would like this account block and deleted from my credit profile permanently.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: DC

Complaint narrative:
Discover bank is reporting inaccurate information to my credit profile violating the FCRA guidelines as a consumer also the account is identity theft and reporting fraud to my credit profile which is a violation of the FCRA the company can not provide proof of verification I am not responsible for this account the account was deleted and reinserted atfer five days without my knowledge that is also a violation of the FCRA I would like a full investigation and I would like to be provided directly with proof I am responsible for this a debt also I would like this account block and deleted from my credit profile permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NV

Complaint narrative:
XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year>, 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 a personal credit card account opened at XXXX XXXX XXXX XXXXXXXX, an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulentitems. 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. 
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 2024-12-16 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: NV

Complaint narrative:
XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened aXXXX XXXX XXXX XXXXXXXX XXXX, an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulentitems. 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. 
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 explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AR

Complaint narrative:
XX/XX/year>, my phone and wallet with all my debit cards was stolen from me, literally snatched out of my hand. They subsequently had access to all of my information and funds. I had recently deposited all of my check ( I got paid monthly ) into my chime account! They drained everything from my chime account and my XXXX XXXX account. I have their usernames that they sent my funds to on XXXX XXXX  and on chime. They used the Pay anyone feature on chime. They also used add money on XXXX XXXX because my chime account was linked to XXXX XXXX  On chime he/they sent themselves approximately {$1000.00} and on XXXX XXXX they sent themselves approximately {$800.00}. I will attach screenshots of all I have. Some additional information- They also stole my XXXX XXXX XXXX  and bought shoes on XXXX and another item totaling over {$200.00}. My grievance is with Chime, I would love to see if I could get a refund. I provided all of the proof I had to Chime, this was my primary bank account at the time, and they offered me nothing. XXXX XXXX I understand I will not be able to recover the funds but I understand Chime doesnt have a brick and mortar store but I was under the impression that I had some sort of insurance or protection from theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Well now Im looking at my credit and I have a fraud alert on another credit burial as well due to someone using my name fraudulent and they have my stuff on the dark web and I am in the check system as well due to someone writing checks in my name at XXXX i need to really clean all this stuff up i also have a fraud on irs I get a PIN number every yr so in XXXX! This jeweler store called XXXX XXXX and XXXX it closed in XXXX I never mad that account ever I dont no who did it and I need that off my credit report and also the inquiry part I never did a credit check on capital one and a few other too I never did not do any authorization for those inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Fraud began in XXXX by an identity thief known to me, I reported the fraud when I became aware sometime in XXXX. There have been multiple cards and bank accounts opened by this person as well as two stolen credit cards that I opened that were used that I will make separate complains for. I have recently been advised by an agency ( XXXX ) that I should file an FTC report since I have been unable to obtain a police report in all these years due to various reasons by the XXXX. 

Regarding Express specifically, in XX/XX/XXXX I requested all statements from Express and I was told they would send them to me within two weeks. I have not received them. This is necessary to attempt to successfully file a police report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: SC

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-12-16 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:
Seeing multiple unauthorized credit inquiries from your company on my report was infuriating. This is a direct violation of my rights and has caused significant harm to my credit and my peace of mind.

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 2024-12-16 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LVNV Funding - XXXX $ LVNV Funding - XXXX $ LVNV Funding - XXXX $ XXXX XXXX XXXX - XXXX $ These are all reported without my consent or knowledge, ive tried disputing contacting, removing, by all accounts these should not be on here.

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. They also have no permission to report anything using my info pursuant to 15 USC 1681 4.

Also Used 15 USC 1692 C, They violated my rights by lawful communication, remove all these from my accounts, Ive gotten no movement and they havent removed anything. Would like this handled fast

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: BTH Management
State: TX

Complaint narrative:
I am writing to formally request immediate action regarding a violation of my privacy rights under 15 U.S.C. as my personal information was exposed in a recent data breach. This breach constitutes a serious failure to safeguard my sensitive data, and it has led to inaccuracies being reported to the three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Under the provisions of 15 U.S.C. 6801 and related privacy statutes, financial institutions are required to protect the confidentiality of customer information. Failure to do so not only jeopardizes consumer trust but also exposes affected individuals to undue harm, including fraudulent credit reporting.

Company response to consumer: Closed with explanation