vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : IR XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion XXXX MORTGAGE COMP XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Legal XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of Verification : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a victim of the data breached and filed and Identity Theft report which is attached. I was advised to review my credit report where I found a number of incorrect information related to my personal information. I also see a credit card from XXXX XXXX that is not mine, please remove this information and update my report. 

My name should be listed as XXXX XXXX only. My employer is XXXX XXXX XXXX and no other company. My address is XXXX XXXX XXXX XXXX XXXX it has been that for XXXX  years. Please remove XXXX XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Inquiries Found - XXXX XXXXXXXX XXXX and XXXX XXXX XXXX account number 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of the data breached and filed and Identity Theft report which is attached. I was advised to review my credit report where I found a number of incorrect information related to my personal information. I also see a credit card from XXXX XXXX that is not mine, please remove this information and update my report. 

My name should be listed as XXXX XXXX only. My employer is XXXX XXXX XXXX and no other company. My address is XXXX XXXX XXXX XXXX XXXX it has been that for XXXX  years. Please remove XXXX XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Inquiries Found - XXXX XXXXXXXX XXXX and XXXX XXXX XXXX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: KS

Complaint narrative:
XXXXXXXX XXXX XXXX. Your company is in clear violation of the law. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am asking that these late payments be removed from my credit report in response to this communication.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: GA

Complaint narrative:
XXXX I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NC

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 2025-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX XXXX They Keep reselling a debt to collection agencies they not mine it was deleted several times as proof I was XXXX  but they keep changing date as if its mine. I have proof it was deleted from other company and pictures of my XXXX  XXXX - transworld system inc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MI

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-03-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: SC

Complaint narrative:
I am always being charged for transfers but being denied a card I have no way of accessing my funds and they are charging me to get my money Charged every time I withdraw but dont even have the option to even get the cash app card no answers from them no one knows why I want all my money back of all the transfer fees XX/XX/XXXX amount XXXX charged XXXX All withdrawal on this account since the start of the account as long as XXXX! Still no help in XXXX I want all of my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-26 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: MI

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I was arrested on XX/XX/XXXX and released from XXXX on XX/XX/XXXX. During that time my debit card was used without my knowledge and without my permission. I filed a dispute to have my funds returned. Sofi did not do a complete investigation and they close the investigation the next business day. I called when I saw that the investigation was closed and requested documentation used to close investigation. It was never sent to me. I responded to the email that was sent to me to provide updated information and to appeal the decision but nothing came of it. The transactions are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I supplied them with the police report from reporting the fraud when I noticed it. I also supplied them with documentation showing the date I was XXXX  and bonded out of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-03-26 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: OK

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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 2025-03-26 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/year> my banking account with citizens bank was hacked for XXXX and again on the XXXX of XXXX for XXXX I file several claims with them and they keep sending me to the fraud department and to the branch on a daily basis. Ive changed my phone number because it was it was my Social Security check and my payroll check and dont know what to do. They keep giving me the runaround of giving them my new phone number they keep telling me to come back into the branch. The one branch manager said she didnt have time for.it so thats why Im contacting you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Wilshire Consumer Credit repossessed my car on XX/XX/XXXX as I was past due on 3 payments. They emailed that day I stating {$1000.00} to reinstatevague, no details and no Notification of Intent to Sell. On XX/XX/XXXX, an employee promised to reduce my total by {$300.00} and put it on the back end of the loan in order for me to get my car backI paid {$710.00} that day based on this agreement. On XX/XX/XXXX, when the vehicle release form was supposed to be in the hands of the reposession company, XXXX XXXX, another employee demanded {$300.00} again, then agreed to put it on the back end after I objected ; they emailed me Total Due to reinstate : {$1.00}, Repo Fee : {$1.00}, due that dayconfusing and incorrect. On XX/XX/XXXX, XXXX XXXX XXXX claimed a vehicle release was sent to XXXX XXXX XXXX XXXX XXXX XXXX confirmed they have nothing, and he hung up when I asked for proof and for his name. Later, supervisor XXXX XXXX demanded {$960.00} to release my car, contradicting my {$710.00} payment and the verbal agreements from XX/XX/XXXX and XXXX. An employee said itll be released possibly tomorrow, definitely XXXX no proof. Im losing work and tow yard storage fees are piling up due to these delays. Wilshire was fined {$44.00} XXXX by the CFPB in XXXX for illegal tactics like this and was bought by XXXX XXXX XXXX XXXX XXXX feels like the same deceptive behavior. I need my car released immediately based on my {$710.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

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 2025-03-26 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:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-03-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Final Demand for Immediate Deletion of Unverified Accounts Due to FCRA Violation To Whom It May Concern, This letter serves as a formal dispute and final demand for immediate action regarding your ongoing failure to properly investigate and respond to my disputes within the legally mandated 30-day timeframe, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). Additionally, you have repeatedly verified accounts without providing any supporting documentation, which is a clear violation of federal law. 

I originally disputed the following accounts on XX/XX/year>, and despite months of repeated disputes, you have failed to provide me with any documentation that verifies these debts actually belong to me. Since you have not provided any proof of verification, these accounts must be deleted from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Both Negative Accounts You have fraudulently marked these accounts as " verified '' without supplying any legally required proof. Simply relying on unverifiable creditor claims does not meet legal verification standards. Per 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I demand that you provide the actual documentation used to verify these accounts. If you can not provide verifiable proof, these accounts must be removed immediately.

Since you have failed to comply with federal law, I am demanding that you : Delete the above-listed accounts from my credit file immediately.

Provide me with written confirmation that these accounts have been removed.

Supply the method of verification and the exact documentation you used to verify these accounts.

You have five ( 5 ) days from the date of this letter to comply. If you fail to do so, I will escalate this matter by : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seeking legal action for willful noncompliance, which may include damages under 15 U.S. Code 1681n.

This is your final notice. I expect your immediate attention and compliance. 

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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have received several phone calls but never any paperwork or letters for LVNV FUNDING LLC. then all of a sudden, I get a letter saying I am being sued for an account they purchased ; I never took out a personal loan and the copies of the account information that they submitted in the case does not even have my signature it is an account that was opened online fraudulently with a typed in name, that isn't proof, and to make matters worse I am a victim of identity theft that has a freeze on all of my credit reports but it seems it does not work because accounts are still being opened without anyone ever contacting me, this is not the first time this has went on. I have done research and learned that this company has done this to so many people and the same outcome, they file suit.

Company response to consumer: Closed with explanation