vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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:
Title : Dispute for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) by Transunion Description of the Issue : On XX/XX/XXXX, I submitted a formal dispute letter to Transunion requesting the removal of fraudulent information from my credit report. This request was made in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S.C. 1681c-2, 15 U.S.C. 1681i ( 7 ), and 15 U.S.C. 609 ( a ) ( 2 ). I provided adequate evidence, including an identity theft report, to support my request. 

However, the bureau categorized my dispute as frivolous, a response that I find inappropriate and unlawful under the standards set by the FCRA. Additionally, they failed to meet the legal requirements to : 1. Provide a detailed description of the reinvestigation procedures performed. 
2. Produce physical evidence of original contracts bearing my signature to substantiate the validity of the disputed accounts. 
3. Block the fraudulent account within four business days of receiving my identity theft report. 

Information Related to the Dispute : : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX This account is the result of identity theft, and their presence on my credit report violates my rights as a consumer. Despite my efforts to resolve this matter directly with the bureau, no significant action has been taken to correct the inaccurate information, causing financial and emotional harm. 

How This Issue Affects Me : The incorrect and unverified information on my credit report has negatively impacted my credit score, making it difficult to access legitimate credit and causing financial and personal stress. 

What Resolution I Am Seeking : I request that the CFPB intervene to ensure that Transunion : 1. Immediately removes the fraudulent account from my credit report. 
2. Provides a detailed description of the procedures used to investigate my dispute. 
3. Complies with the provisions of the FCRA, including blocking fraudulent information within four business days of receiving my identity theft report. 
4. Ensures their practices adhere to federal laws to protect consumer rights. 

Attached Documentation : I am including copies of the following documents to support my complaint : Identity theft report. 
Additional evidence related to the disputed accounts. 
Identity affidavit. 


Conclusion : I hope the CFPB will investigate this matter and take the necessary actions to ensure that Transunion complies with federal laws. I am available to provide any additional information required. 

Sincerely, 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 2025-01-09 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: MD

Complaint narrative:
These accounts were not opened or approved by me, and it is unfair for me to be blamed for them. I ask for prompt action to address this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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. 

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 2025-01-09 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: IL

Complaint narrative:
I am writing to formally request the re-insertion of my dispute an inaccurate charge that the debt doesnt belong to me. 

Despite my previous correspondence, I have not received a satisfactory resolution regarding this matter. I wasnt informed or have any knowledge of the reinsertion of this account upon checking my credit report I noticed it was added back to credit report.By law you have 5 days to send notice out before reinsertion an I have received any noticed about reinsertion of this account. 

In compliance with the Fair Credit Reporting Act, section 605 and section 611 I am requesting that you reinvestigate this matter and provide me with the results of your investigation. Should your findings support my claim, I kindly ask that you reinsert the disputed information in your records. 

Enclosed are copies of previous correspondence, statements, or other evidence I believe this information supports my position and will aid in the resolution of this dispute. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to my dispute. Please feel free to contact me at the above information if you need any further information. 

Sincerely, 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 2025-01-09 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: IL

Complaint narrative:
I am writing to formally request the re-insertion of my dispute an inaccurate charge that the debt doesnt belong to me. 

Despite my previous correspondence, I have not received a satisfactory resolution regarding this matter. I wasnt informed or have any knowledge of the reinsertion of this account upon checking my credit report I noticed it was added back to credit report.By law you have 5 days to send notice out before reinsertion an I have received any noticed about reinsertion of this account. 

In compliance with the Fair Credit Reporting Act, section 605 and section 611 I am requesting that you reinvestigate this matter and provide me with the results of your investigation. Should your findings support my claim, I kindly ask that you reinsert the disputed information in your records. 

Enclosed are copies of previous correspondence, statements, or other evidence I believe this information supports my position and will aid in the resolution of this dispute. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to my dispute. Please feel free to contact me at the above information if you need any further information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MD

Complaint narrative:
I have disputed information with Experian multiple times and Experian does not complete full reinvestigations. They are not taken proper steps to verify information. Experian does not properly investigate disputes and fails to remove or reinserts error on reports.

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 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
The account was some how close with no information on why nor notice and the account withhold funds and the company withhold my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: AR

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM : Dispute Regarding Disclosure of Nonpublic Personal Information Affirm To Whom It May Concern I am writing to formally dispute the disclosure of my nonpublic personal information in potential violation of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802. 

It has come to my attention that my personal information may have been shared with unaffiliated third parties without proper notice or an opportunity to opt out, as required under the law. According to 15 U.S.C. 6802 ( b ) : 1. Financial institutions must provide clear and conspicuous notice of their privacy policies and practices. 


2. Customers must be given the opportunity to opt out of sharing their nonpublic personal information. 



I believe that [ describe the issue, e.g., " I did not receive any opt-out notice, '' or " My information was shared without my explicit consent, contrary to the stated policy '' ]. 

I am requesting : 1. An explanation of how my nonpublic personal information was handled and shared, including a list of third parties that received my information. 


2. Copies of the notices or disclosures provided to me regarding the institution 's privacy practices. 


3. Immediate action to correct any violations, ensure compliance with the GLBA, and cease further unauthorized disclosures of my information. 



If this matter is not addressed promptly, I may escalate my complaint to the Federal Trade Commission ( FTC ) or seek legal remedies to protect my privacy rights. 

Please respond to this dispute in writing within [ 30 days or specific timeline ]. You may reach me at [ your contact information ] if further clarification is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

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 2025-01-09 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: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-09 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: MI

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 XXXX XXXX XXXX with a balance of {$13000.00} Inquiries : XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 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 2025-01-09 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: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
PLEASE SEE THE ATTACHMENT XXXX LETTERS AND DELETE ASAP. 

DELETE ALL ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: GA

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 :

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 2025-01-09 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: CO

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
My outstanding credit card balance with XX/XX/XXXXaccount ending in XXXX has been fully paid. I paid the amount of {$100.00} on XX/XX/year> and {$4500.00} was paid XX/XX/year> but discover has not updated my account with any of the payment and its still negatively affecting my account. Attached are receipts showing the proof of payment

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 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: OK

Complaint narrative:
My information was stolen through a data breach from XXXX XXXX and also XXXX XXXX XXXX and also XXXX XXXX stole my identity and has opened up several credit cards thanks and try to get a whole bunch of loans in my name which when I found out, I found a police report. I put a stop to it and I prove that I was innocent. I tried to open up a bank account with arvest and they told me I was in XXXX  system. I told him I have never had a bank account with him before most likely it was my sister she has already did damage the lady said that I needed to call XXXX  system and see what was on my credit which it was numerous banks from XXXX I was in XXXX at the time I have proof XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i dont know what else needs to be removed as soon as possible because they are reported inaccurate information onto my credit report that does not belong there. I am a victim of identity theft I did not open those accounts. That is someone that has the same name as me in favor me that was not me. XXXX 100 % sure and I have told him over and over and over to remove these items from my account.

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 2025-01-09 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: PA

Complaint narrative:
The Affected Consumer brings this action against XXXX XXXX XXXX XXXX XXXX ( XXXX or the Company ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) ( b ), 5564, and 5565. This action alleges that XXXX violated both Acts by failing to reasonably reinvestigate consumer disputes challenging the accuracy or completeness of information in consumer reports, including by failing to forward all relevant information to furnishers, failing to provide adequate or accurate notice to consumers of the outcome of their disputes, and failing to utilize reasonable procedures to ensure the accuracy and completeness of information in consumers files.

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 2025-01-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The Affected Consumer brings this action against XXXX Information XXXX XXXX XXXX ( XXXX or the Company ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) ( b ), 5564, and 5565. This action alleges that XXXX violated both Acts by failing to reasonably reinvestigate consumer disputes challenging the accuracy or completeness of information in consumer reports, including by failing to forward all relevant information to furnishers, failing to provide adequate or accurate notice to consumers of the outcome of their disputes, and failing to utilize reasonable procedures to ensure the accuracy and completeness of information in consumers files.

Company response to consumer: Closed with explanation