vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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: WI

Complaint narrative:
I pulled my reports and seen that account was reporting that I am not aware about - I did send out multiple letters to the company along to all 3 credit agencies to verify this information- I keep getting pregenerated responses from the agencies which is insane- I have provided all proof that Is needed to get this removed from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: TX

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 2024-05-06 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: NV

Complaint narrative:
XXXX XXXX aka XXXX Credit Card is all my credit file and I never open a credit file or credit card what's expected institutions is identity theft our way of breach of information leaks.. 

This matter needs to be deleted from my credit file attorney general 's office will get up complaint file as well. Account Number reflecting on file XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: NV

Complaint narrative:
XXXX XXXX aka XXXX Credit Card is all my credit file and I never open a credit file or credit card what's expected institutions is identity theft our way of breach of information leaks.. 

This matter needs to be deleted from my credit file attorney general 's office will get up complaint file as well. Account Number reflecting on file XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I applied on XX/XX/XXXX for XXXX different credit cards with Capital One. Both applications were rejected. One of these was particularly surprising as they had informed me I was pre-approved for the credit card. 

I knew, and they also told me that they were obliged to tell me the reason why my application was rejected, so I waited for a letter. It never arrived. 

I rang on XX/XX/XXXX, and was told I should have received a letter, but I had not. They said they would send a letter, and I gave them my address ( again ), pointing out that they already had my address. 

No letter has come. I range Capital One today, and all they could offer was the same again, of sending a letter that I have every reasonable expectation also will not come. It is not good enough, and Capital One does not appear willing or able to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: MS

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Unifin Inc.
State: DC

Complaint narrative:
The following text message was sent to me on Monday, XX/XX/2024 : This is Unifin a debt collector Contact us about ref # XXXX XXXX XXXX or https : XXXX ChargesMayApply Reply STOP to stop texts I called the number in the text XXXX EST and a 2nd phone call at XXXX EST ( has nothing exists on my credit report ). The first agent hung up on me and told me, they will remove me from the list ; I was seeking a reason of how & why my number was involved and what additional information about me, XXXX XXXX they have in fileagent hung up on me. 

Called the number back immediately, agent would not listen to me or answer any of the same questions mentioned aboveagent said they would remove me from list. 

At XXXX I received the following text message This is Unifin a debt collector Contact us about ref # XXXX XXXX XXXXXXXX or https : XXXX XXXX Reply STOP to stop texts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, my attempt to make a purchase through Citi XXXX using my Citi credit card was declined. Upon contacting customer service, I was informed of a system error. The representative attempted to verify my phone number but was unsuccessful, resulting in an unresolved issue after a XXXX conversation. 

The following day, I contacted Citi again seeking a resolution. The customer service team repeated the verification issues and proposed sending a verification letter to my address, estimated to take XXXX business days. I requested a quicker resolution, such as supervisor intervention, but was told no supervisors were available, and the letter was the only option. 

By XX/XX/year>, the verification letter had not arrived. When I called to request alternative verification methods, I was told to wait another week as no other options were available. 

As of XX/XX/year>, I still have not received the verification letter. Further inquiries have resulted in the same response, with no provision to update or confirm my mailing address, despite my ongoing attempts. 

This series of interactions has not only prevented me from utilizing my Citi credit card but also calls into question the value of the annual fee I pay. I am seeking an immediate resolution to access my account, a waiver of the annual fee for this year, and compensation for the inconvenience and inability to use my card benefits during this period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
A numerous amount of FCRA violations are continuously being committed which is causing great harm to my consumer report and most importantly my life situation. There is a great amount of inaccurate reporting. I have requested the method of verification that was used, I demanded these companies to cease and desist and Ive requested a proof of claim and they have failed to comply with any of it. Things are being furnished onto my report without my consent. The consumer reporting agencies are willfully violating the FCRA for their own willful and ill monetary gain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
These 8 inquiries on my TransUnion report are fraudulent and I would like them immediately removed. There is now way in heck I applied for this many accounts! 
Please remove these accounts off my transunion report asap! 

XXXX XXXX, XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As well as these XXXX illegal accounts that has been opened in my name for over 3 years. I keep stating these accounts below are illegal and was obtained in my name. Please remove these accounts! 

XXXX XXXX XXXX XXXX {$150.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$57.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX PLEASE REMOVE THESE ABOVE ILLEGAL XXXX XXXX ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SXXXX PLEASE REMOVE THESE ACCOUNTS OFF MY REPORT!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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:
These 8 inquiries on my TransUnion report are fraudulent and I would like them immediately removed. There is now way in heck I applied for this many accounts! 
Please remove these accounts off my transunion report asap! 

XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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  As well as these XXXX illegal accounts that has been opened in my name for over 3 years. I keep stating these accounts below are illegal and was obtained in my name. Please remove these accounts! 

XXXX XXXX XXXX XXXX {$150.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$57.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX PLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY REPORT!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Financial Services
State: IL

Complaint narrative:
I had an Auto Loan with Consumer Finacial But after falling behind in payments I filed XXXX XXXXXXXX in which the vehicle in question was included in the bankruptcy and payments were being made via trustee. But I opted out XXXX XXXX converted the XXXX to a XXXX  XXXX. Under discretion of my attorney he advised me if I didnt plan on keeping vehicle to return the vehicle back to finance company & I would no longer be liable for the debt it should say XXXX balance and account shall be closed and no one should try to collect debt from it. But Consumer Financial Services is reporting that I have a balance of XXXX XXXX The reporting of this debt is in violation as debt was closed out in bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: DISCOVER BANK
State: NV

Complaint narrative:
According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure that my nonpublic personal information isn't shared without my written consent which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Discover Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Discover Bank the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Discover Bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Discover Bank never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: SC

Complaint narrative:
A numerous amount of FCRA violations are continuously being committed which is causing great harm to my consumer report and most importantly my life situation. There is a great amount of inaccurate reporting. I have requested the method of verification that was used, I demanded these companies to cease and desist and Ive requested a proof of claim and they have failed to comply with any of it. Things are being furnished onto my report without my consent. The consumer reporting agencies are willfully violating the FCRA for their own willful and ill monetary gain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I realized after reviewing my credit profile that I had some inquiries that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX, made a solar loan for XXXX in XXXX. 
Would contact to get updates, ask to bring inspector, and get the job complete and we're promise job will be done and wouldn't pay for a year. Job has not been completed, not been contact in months and been blocked. Lied about getting anyone on the property. Cameras have been on for them. Just issues after issues with the contractors and still haven't gotten anything complete and it's been XXXX years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
XX/XX/XXXX I BEEN FIGHTING THIS SINCE THE BEGINNGING OF THIS YEAR WHEN I NOTICED THIS. CAN YOU REMOVE THIS ILLEGAL ACCOUNT OFF MY EQUIFAX REPORT. IT IS HURTING MY SCORE PLEASE REMOVE THIS ACCOUNT. THE ONLY THING I HAVE BEEN ADDING TO MY REPORT IS POSITIVE INFORMATION CAN YOU PLEASE REMOVE THIS OFF MY REPORT XXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX PLEASE REMOVE THESE ILLEGAL ITEMS OFF MY EQUIFAX CREDIT REPORT AND CAN YOU PLEASE FREEZE MY REPORT! PLEASE REMOVE THESE PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
These XXXX inquiries on my TransUnion report are fraudulent/and these XXXX collections I have been fighting since the BEGINNING OF THIS YEAR!!!!! and I would like them immediately removed. There is now way in heck I applied for this many accounts! 
Please remove these accounts off my transunion report asap! 

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 XX/XX/XXXX As well as these XXXX illegal accounts that has been opened in my name for over XXXX  years. I keep stating these accounts below are illegal and was obtained in my name. Please remove these accounts! 

XXXX XXXX XXXX XXXXXXXX {$150.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX  {$57.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX PLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY REPORT!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief