vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> **Federal Trade Commission*XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Formal Complaint Against TransUnion for FCRA Violations** To Whom It May Concern, I am writing to formally lodge a complaint against TransUnion for clear violations of the Fair Credit Reporting Act ( FCRA ). Specifically, I am alleging that TransUnion has engaged in deceptive practices by re-reporting accounts that I previously disputed and were subsequently deleted from my credit report. 

**Details of My Case : ** 1. **Reinsertion of Deleted Accounts** : The FCRA stipulates that any account that has been disputed and found to be inaccurate must not be reinserted into the credit report-XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that was previously disputed, removed from my report. This action violates the reinsertion law under the FCRA. 

2. **Investigation Results** : According to your investigation results XXXX XXXX Number : XXXX ), the disputed item was initially not verified as accurate, and therefore, it was deleted. However, TransUnion later added this account back to my credit report without valid justification, demonstrating a clear disregard for the FCRA. 

3. **Pattern of Deceptive Practices** : This behavior is not an isolated incident. It mirrors actions taken against XXXX, which was ordered to pay {$15.00} XXXX for improper investigations of credit reporting errors. XXXX 's failures to block identity theft-related information and to prevent previously deleted accounts from reappearing are similarly reflected in TransUnion 's practices. 

4. **Impact on Consumers** : The repercussions of these actions are severe. My credit score has been negatively impacted, resulting in a decrease of XXXX points since XX/XX/year>. This not only affects my creditworthiness but also my ability to secure loans and other financial opportunities. 

**Request for Action : ** I urge the FTC to take immediate action against TransUnion for these violations. It is imperative that regulatory bodies enforce the FCRA to protect consumers from deceptive practices that undermine their financial stability and rights. 

I request an investigation into TransUnion 's practices and demand appropriate penalties to deter further violations. Additionally, I seek restitution for the damages caused by these inaccurate credit reporting practices. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely,

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 2025-03-08 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: PA

Complaint narrative:
TO WHOM IT MAY CONCERN I am writing to delete the following information from my credit report. The items I need deleted are in this report. I am a victim of identity theft and did not make these charges. I ask that the listed items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's identity theft affidavit. Please delete the following items as soon as possible. 
FRAUDULENT ACCOUNTS 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 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

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 2025-03-08 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: PA

Complaint narrative:
TO WHOM IT MAY CONCERN I am writing to delete the following information from my credit report. The items I need deleted are in this report. I am a victim of identity theft and did not make these charges. I ask that the listed items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's identity theft affidavit. Please delete the following items as soon as possible. 
FRAUDULENT ACCOUNTS 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of a collection account appearing on my credit report maintained by your agency. Below are the details of the disputed collection account : Creditor Name : Capital One I am disputing this collection account based on the following reasons : Possible Fraudulent Activity : This account may be the result of identity theft or fraudulent activity, meaning I am not responsible for this debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, I have the right to dispute fraudulent accounts, and you are required to block and remove this information from my credit file if it can not be verified as legitimately mine. 

Lack of Proper Validation : The collection agency has failed to provide sufficient documentation proving this debt is valid, legally enforceable, and belongs to me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, debt collectors must provide verification upon request. If they can not, this account must be deleted immediately from my credit report.

Inaccurate, Outdated, or Unverifiable Information : The information being reported is incomplete, incorrect, or unverifiable, which is a direct violation of FCRA, 15 U.S. Code 1681s-2. The law mandates that only verified and accurate information can be reported by credit bureaus. If the original creditor or debt collector fails to prove the validity of this account within the legally required timeframe, it must be permanently removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOP Pioneer Partners LP
State: TX

Complaint narrative:
This account hasnt been reported in 2 months. 
The account has been paid in full and needs to be deleted from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the fraudulent account that appear on my credit report under my name. My identity was stolen, and I did not authorize or open the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
i placed a complain about fraud on CFPB Complain ID XXXX. Because my US BANK account checking account was victim of fraud leaving my account in ceros. 

After i placed my complain on CFPB, US BANK contacted me twice by phone asking me for aditional information. I received a letter response date on XXXX XXXX, XXXX. But Basically is the same information i already received by mail from the US BANK after i placed my compleins for fraud i made them personally at the brunch of XXXX XXXX, CA The statements reflects on XX/XX/XXXX I had in my account {$16000.00} dollars On XX/XX/XXXX i made a deposit personally at the bank for {$230.00} dolars. 
I had in my accunt XXXX dollar in total On XX/XX/XXXX when i came to the branch I tryed to withdraw some cash, the cashier told me my account was cancelled there was no money, An assistant manager at the bank help me and gave me in that moment the statements, i realized was 50 ( ACH ) electronic transfers made from my account all By XXXX XXXX, until left my account in XXXX. This transaccion began on XX/XX/XXXX until XX/XX/XXXX. 
I counted 50 transaccions. 

So far, US BANK had autorized 25 of my claims gave me {$8400.00} in 4 checks. 
In this new letter response date on XXXX, XX/XX/XXXX they autorize pay me 7 more of the 50 claims, did not say for how much will be this payment. but STILL IS A remain left about more or less {$5000.00} dollars They said i only had 60 days to report the fraud, How i could noticed i was stolen, since the banks merge i did not received my stantements anylonger but I do rceived the new US BANK debit card, They said if i did not received anylonger statements was because my account had no customer - iniciated activity,. How it that? And all the electronics transfers made from my account. 

I had my account on XX/XX/XXXX had more than XXXX XXXX XXXX, during this time never had any kind of problems, during this time the statements arrive on time to my adress, eventhough i used m account bassically as saving account, a few transaccions. To keep my saving safe in good hands in a intitution. 

I am not willing to loose my money, I hope with justice do the right. 
Because i was a victim, i trust in the bank .In addition to loosing my money they charged me for overdraft my account. 

Iam only asking you to give me back all my money, this process had taken too much time. is exhausting, please help me and resolve for complete this situation. 

Sincerely

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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: IN

Complaint narrative:
Credit bureau did an investigation adv that the information came from lender etc. based on the letter sent from count they do not report to credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
I hope youre doing well. Im reaching out because I noticed a credit inquiry on my report, and I want to make it clear that I never gave them permission to check my credit. Im not sure how this happened, but I need it taken care of right away.

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 2025-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
After XXXX employees hung up in my face on XX/XX/year>. I received a text message regarding an account that had been settled several years ago. I was attempting to assist my mother in setting a debt that ended up on my daughters credit report in which my daughter is not responsible for in which XXXX XXXX proceeded to tell me where my daughter was living. I was never provided a copy of the most recent lease that was signed by my mother as I requested for proof that my daughter was listed as an occupant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Yo Nesecito que limpie estas mal report en mi credit porque ye paque estas Dueda por favor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response within 4 days.

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 2025-03-08 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: GA

Complaint narrative:
I am requesting the immediate removal of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I am unaware of their source. In compliance with USC 1681g, please process their removal within 15 days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: MD

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 2025-03-09 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: GA

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report even after your investigation, I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX  and account number is 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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is reporting 2 trade line accounts on my credit report that it is inaccurately reporting. I've instructed EXPERIAN, XXXX, and Equifax to investigate these accounts and have them removed immediately for FCRA VIOLATION OF INACCURATE REPORTING. I expect removal and investigation to be completed immediately and conclude no later than 30 days from this here complaint. As stated by FCRA Law. NO EXTENSIONS OF ANY KIND WILL BE GRANTED OR ALLOWED. 

Inaccurate info violates FCRA : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] - verify validity of the account. Verify date opened and monthly reporting since opening. Has all monthly reports been reported accurately since the account opened? Why reporting now? I will hold the creditor Liable for punitive damages. And will litigate in Civil, State, and Federal courts where applicable. 

In addition, due to stated Natural Disasters reported by State law and governor XXXX XXXX, the XXXX XXXX XXXX XXXX have negatively affected our income and caused hardships to our ability to pay any outstanding items. This is not an admission of guilt or culpability for said debt reporting. 


Also, the following Hard inquiries have not been authorized and I am hereby demanding that they all be removed from reporting to my credit report by ALL APPLICABLE BUREAUS. 

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 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

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 2025-03-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: TN

Complaint narrative:
HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : UNKNOWN # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation