vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint because my credit report contains inaccurate, erroneous, and incomplete information regarding [ specific account name/number ]. Despite disputing this information with the credit reporting agencies and the data furnisher, they have failed to correct or remove the inaccuracies as required by law under 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2. I request the CFPB 's assistance in ensuring the removal of this account and a correction of my credit report to reflect accurate and verifiable informationXXXX XXXX shows the date of last activity inaccurate, date opened inaccurate, show as paid collections. Cant be a collections if its stating paid, date of last activity is inaccurate.. 

this is a violation of my consumer rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because my credit report contains inaccurate, erroneous, and incomplete information regarding [ specific account name/number ]. Despite disputing this information with the credit reporting agencies and the data furnisher, they have failed to correct or remove the inaccuracies as required by law under 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2. I request the CFPB 's assistance in ensuring the removal of this account and a correction of my credit report to reflect accurate and verifiable information.XXXX XXXX shows the date of last activity inaccurate, date opened inaccurate, show as paid collections. Cant be a collections if its stating paid, date of last activity is inaccurate.. 

this is a violation of my consumer rights..

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The credit bureaus XXXX, XXXX, and Experian are reporting bankruptcies on my credit report, attributing the information to the US Bankruptcy Court. I have attached a letter from the US Bankruptcy Court verifying that they do not furnish information to credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. XXXX, Experian and XXXX is falsely reporting this information on my credit report and has not yet removed it. The United States Bankruptcy Court does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records. The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: NY

Complaint narrative:
I am a victim of identity theft, there is wrong addresses names and fraudulent accounts on my credit card report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-12-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus XXXX, TransUnion, and XXXX are reporting bankruptcies on my credit report, attributing the information to the XXXXXXXX XXXX XXXXXXXX. I have attached a letter from the XXXXXXXX XXXX XXXXXXXX verifying that they do not furnish information to credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. XXXX, XXXX and TransUnion is falsely reporting this information on my credit report and has not yet removed it. The XXXX XXXX XXXX XXXXXXXX does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records. The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureaus XXXX, XXXX, and Experian are reporting bankruptcies on my credit report, attributing the information to the XXXXXXXX XXXX XXXXXXXX. I have attached a letter from the XXXXXXXX XXXX XXXXXXXX verifying that they do not furnish information to credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. XXXX, Experian and XXXX is falsely reporting this information on my credit report and has not yet removed it. The XXXX XXXX XXXX XXXXXXXX does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records. The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit score is open and accessible to the public and I dont want that. The credit agencies namely ; XXXX, XXXX, FICO and TransUnion all make my information accessible to insurance agencies etc. 
This has affected my credit score dramatically and reduced my score.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit score is open and accessible to the public and I dont want that. The credit agencies namely ; XXXX, Experian, FICO and XXXX all make my information accessible to insurance agencies etc. 
This has affected my credit score dramatically and reduced my score.

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 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I had a call from someone who said i am calling you from Bank Of America and he gave me my Bank Of America credit card number and he mentioned that some person by name XXXX XXXX in XXXX Florida tried to get credit card under your name and physical address was for you but mailing address was in Florida and.. '' However the person who contacted me had my real Name, Address, Birth Date and Social Security number. then he told me he is going to connect me to CFPB and he did and some one else pretended that he is talking to me from CFPB, that person who pretended he is from CFPB had my mortgage information my D.O.B and..Etc. 
at the same time I check CFPB website then I ask person who told me he is from CFPB what is your number, the number he gave me did not match with official phone number from CFPB. I hung up right away and create account with CFPB to let them know.

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 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I purchased items online from XXXX XXXXXXXX XXXX. When checking out noticed a XXXX XXXX  offer to pay monthly installment without realizing this was a Citibank offer called XXXX XXXX. Upon receiving XXXX bill from Citibank my minimum payment was {$300.00} more than I could pay. I contacted Citibank customer service on XXXX who refused to cancel XXXX XXXX and said couldn't be cancelled. Then asked to speak with manager and rep said could only send an email. On the same day, received call from XXXX XXXX Account manager from XXXX XXXX on XXXX around XXXX or XXXX, XXXX. Very quick. He explained and could cancel all items that were XXXX and adjustment would be made on minimum payment due to XXXX XXXX charges being canceled. This made lots of sense to me and was reasonable. He stated minimum payment adjustment could take place in a couple of weeks close to billing cycle. 
My complaint is not keeping agreed commitment on minimum payment adjustment. I also contacted XXXX and advised contact bank. Writing a complaint letter to them as well. Very confusing promotion and misleading.

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 2024-12-07 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:
Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX ( TransUnion, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ( TransUnion, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( TransUnion, XXXX, XXXX ) XXXX XXXX XXXX 
Account Number : XXXX ( TransUnion, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( TransUnion, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX TransUnion, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( TransUnion ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion ) Unde

r 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting. I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately. I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i. Thank you for your urgent attention to this matter.

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 2024-12-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was involved in a data breach from Equifax and XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: OH

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were created or conducted without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), y
ou are obligated to block and remove information resulting from identity theft upon my request.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-07 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT CEASE AND DESIST OF REPORTING FRAUDULENT TRANSACTION AND ACCOUNTS AND REQUEST OF LATE PAYMENT TRANSACTIONS AND CONSENT CEASE AND DESIST OF REPORTING FRAUDULENT TRANSACTION AND ACCOUNTS AND REQUEST OF LATE PAYMENT TRANSACTIONS AND CONSENT LETTERS AND INTENT TO SUE COMPLAINT/FRAUD AFFIANT : XXXX : XXXX. DEFENDANT : XXXX [ CO DEFENDANT AFFIRM INC ] XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX, CA TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : XXXX XX/XX/XXXX I XXXX : McTier. I'm a natural person and this dispute isn't coming from a 3rd party. I recently received a copy of my consumer report, and i noticed there are late payments posted on my consumer report. I'm requesting that these late payments be removed from my consumer report. Per law 15 U.S. Codes 1681a - Definitions : rules of construction I U.S. Code I US Law I Legal Information Institute. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1. Prohibition ( A ) Reporting Information with actual knowledge of errors. 2. Exclusions.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include ( A ) subject to section XXXX of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Here 's the account I am referring to : ALLEGED Account XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM ACCT # XXXX and all comments be removed immediately. I'm asking that account be shown as PAID AS AGREED. OR DELETE IMMEDIATELY XXXX PLEASE SEND THE WRITTEN AUTHORIZATION LETTER THAT I SENT TO YOUR COMPANY GIVING YOU WRITTEN CONSENT TO FURNISNED THESE TWO ACCOUNTS ON MY CONSUMER REPORT. ALSO PLEASE SEND PROOF OF THE TRANSACTIONS FROM THE ALLEGED CREDITORS THIS IS FRAUD AND VIOLATION OF GAAP SINCERELY, XXXX : XXXX. Living Woman Beneficiary OF ACCT XXXX XXXX XXXX not the TRUSTEE UCC1- 308 ALL RIGHTS RESERVE WITHOUT PREJUDICE ALL DEBTS ARE PREPAID HJR 192- 1933 OF UNITED STATES INC .

Company response to consumer: Closed with explanation