vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: NY

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


Account Name : XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: Experian Information Solutions Inc.
State: NY

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


Account Name XXXX XXXX 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 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 2025-01-07 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: FL

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was involved in the Equifax data breach they did nothing I received no compensation even though I filed three separate claims I have disputed things on Equifax and XXXX XXXX because my whole identity was stolen to the point that someone has filed income tax in my name they have used my health insurance they have open bank accounts I have asked experience Equifax and XXXX XXXX all to open disputes Only to find out that none of them did anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
I request the removal of this account from my credit report, as it does not belong to me. Additionally, please investigate and address any remaining errors.

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 2025-01-07 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: AL

Complaint narrative:
I am writing to formally lodge a complaint against TransUnion for their failure to address multiple unauthorized inquiries appearing on my credit report. Despite repeated attempts to resolve this issue, including sending multiple dispute letters and providing a police report, TransUnion has continued to ignore my concerns and failed to act in accordance with their obligations under federal law. 

Details of the Unauthorized Inquiries : The following inquiries are incorrect and unauthorized : 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 XXXXXX/XX/year> Steps I Have Taken : Police Report : I have filed a police report with XXXX XXXX at the XXXX Police Department, which is included with this complaint as evidence of identity theft or fraudulent activity. 
Dispute Letters to TransUnion : I have sent multiple letters to TransUnion disputing these inquiries, attaching relevant documentation, yet TransUnion has failed to take corrective action or provide a substantive response. 
Applicable Legal Protections : Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681c-2 : Consumers have the right to block information resulting from identity theft or fraud upon providing proper documentation, such as a police report. 
15 U.S. Code 1681i : Credit reporting agencies are required to investigate disputes regarding inaccurate information within 30 days and take appropriate corrective action.

15 U.S. Code 1681b ( f ) : The inclusion of unauthorized inquiries violates the requirement that credit inquiries be permissible under the FCRA.

Resolution Sought : I request that the CFPB intervene to ensure that TransUnion : Immediately remove the unauthorized inquiries listed above.

Conduct a thorough investigation into their lack of compliance with the FCRA.

Provide a detailed response outlining the actions taken to address my dispute.

The presence of these inquiries is adversely affecting my credit score and financial wellbeing. TransUnions continued inaction demonstrates a disregard for their legal responsibilities and my rights as a consumer. 

I trust the CFPB will hold TransUnion accountable and ensure compliance with federal laws. Please contact me if further documentation or information is required.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I am seeking your assistance to review accounts from companies that are inaccurately reporting late payments. After being laid off, I requested these late payments be forgiven, and they agreed, but they are still being reported as late. Despite contacting them, I have received no updates, leaving this as my final attempt for resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and I have been banking with Bank of America since XX/XX/XXXX. I had just moved back to XXXX from XXXX XXXX  in XX/XX/XXXX. I was receiving my social security check payments to this account by direct deposit and had not had any problems. 
In XX/XX/XXXX, not sure why but my account was locked, but Bank of America failed to inform me that they locked my account and I would not have any access to my funds. I have been trying to work with BofA since XXXX to resolve this issue and get access to my account, but they keep giving me the runaround. 

In XX/XX/XXXX, I was told by Bank of America I needed an XXXX driver 's license or identification card for them to unlock my account and restore my access. I got my ID card, and they still will not unlock my account or give me access. From XX/XX/XXXX to XX/XX/XXXX I have called BofA multiple times to check the account. On XX/XX/XXXX again Bank of America said they were closing the account. I had {$1000.00}. This was the last amount I was able to see, but my social security payments have continued to be deposited to the account so the amount is likely larger now, but because I am locked out of my account I can not get the exact amount. 
I spoke again with them the first week of XX/XX/XXXX ( on or about the XXXX ) ... and they stated they will send me a check of my funds when my account is closed. I have been trying to close the account for over a month, since XX/XX/XXXX. The BofA told me that they are in the process of closing my account, and it should be closed by XX/XX/XXXX. 

It is now XX/XX/XXXX, and BofA still has not closed my account and/or returned my funds or given me access to my account or funds. This has been a huge inconvenience and I can't even convey how this has upended my life the last few months. I have not been able to pay bills, make personal purchases, I was unable to participate in Holiday XXXX gifts because I did not have access to my money to buy gifts or other items needed for the holidays. And worse yet, my brother died in XXXX right before XXXX and because BofA is holding my money XXXX, I was unable to purchase a ticket to travel to XXXX XXXX  to attend the funeral and I couldn't even send flowers for the service because BofA is wrongfully blocking my access to my own money. 

Please help.

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 monetary relief
Consumer complaint received 2025-01-07 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: VA

Complaint narrative:
XXXX XXXX XXXX  Account Number # : XXXX Violation of 15 U.S.C. 1681n : XXXX  willful noncompliance with its investigative and reporting obligations has caused undue harm to XXXX XXXX XXXX financial standing and personal reputation. As a result, We are entitled to statutory damages, punitive damages, and any other relief permitted under the statute.

Violation of 15 U.S.C. 1681o : In addition to willful misconduct, Transunions negligent actions in failing to adequately investigate and correct this matter constitute further liability, entitling me to recover actual damages and attorneys fees.

Breach of 15 U.S.C. 1681s-2 : XXXX XXXX XXXX  XXXX as a furnisher of information, has provided false and inaccurate data to XXXX, failing to conduct reasonable investigations following my disputes. XXXX continued reliance on such inaccurate information exacerbates the harm and underscores its systemic failure to adhere to legal standards.

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 2025-01-07 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late/Open

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 2025-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: MI

Complaint narrative:
Dear Trueaccord corporation Re : Debt Validation and Assignment Notice I am writing to request validation of the debt that you are attempting to collect from me, as required under the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information regarding this debt : XXXX. The amount of the debt ; XXXX. The original creditors name ; XXXX. The date of the original debt ; XXXX. Any documentation proving that I am responsible for this debt ; XXXX. A copy of the agreement or contract I allegedly signed that binds me to this debt. 

Please send this information to me within 15 days from the date of this letter. Until I receive the requested documentation, I am not obligated to make any payments. 

Additionally, I would like to be notified of the assignment of this debt. Please confirm the following : The name and contact details of the original creditor. 
A copy of the Assignment Agreement that transferred the rights to collect this debt from the original creditor to you. 

This assignment contract must indicate the full terms of the debt, including the date of assignment, any remaining balance, and any other pertinent details. If you are unable to provide this validation and documentation, I request that you cease all collection efforts and remove any references to this debt from my credit report. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: OH

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 2025-01-07 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: OH

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 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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used XXXX to buy a camera in XX/XX/XXXX. But the seller did not deliver the camera. I filed dispute with XXXX and Bank of America. I also filed complaint with Department of Financial Protection, which confirmed on XX/XX/XXXX that XXXX informed that they refunded the money to my debit card at Bank of America. But Bank America denied and refused to refund the money to my debit card.

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 2025-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
If the account has been charged off and written off as stated, the balance should no longer be reported as " past due. '' If the account remains collectible, it should not indicate that it has been written off.

1099c was never issued

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. 
XXXX XXXX inquiry date XX/XX/year> 2024

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
NCA appears as a creditor on my credit report and I have no knowledge of this account. I disputed through XXXX XXXX  but no changes were made.

Company response to consumer: Closed with explanation