vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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: TX

Complaint narrative:
Following my divorce, my ex-wife, XXXX XXXX XXXX, fraudulently opened accounts in my name, without my knowledge or consent, and forging my signature, obtained and opened several accounts that I am not legally responsible for. I have attempted to rectify these issues with XXXX consumer reporting agencies, XXXX, XXXX and Transunion in the past, with little to no success. I have filed a proper Identity Theft Report ( # XXXX ) with the Federal Trade Commission. All three of my credit reports contain several accounts that are a result of this identity theft. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This will follow my previous complaint filed on XX/XX/year> where in I advised the CFPB that even with repeated written requests and letters one or more of the credit bureaus have failed to provide a copy of my annual report and XXXX XXXX. I do not have a SSN but I do have a Tax ID #, and it is impossible for me to access my reports online or file any disputes online. I can only request reports to be delivered to me by mail which is a very frustrating and time consuming process. My XXXX is not good so calling in is also not a very good option for me. Unfortunately even after filing a complaint and sending in multiple letters to the credit bureaus, I still have not received an updated copy of my full report or scores from any of the XXXX credit bureaus. I also attached a copy of my original complaint because there are several accounts that I do not recognize and I am not sure if the credit bureaus have done anything about this. Also, XXXX keeps sending me notices saying that the can not locate my file, however, I have attached a copy of my XXXX score from XXXX Bank so I am not sure how XXXX can say I have no file but XXXX is providing me with a XXXX score from my XXXX 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 explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This will follow my previous complaint filed on XX/XX/2024 where in I advised the CFPB that even with repeated written requests and letters XXXX or more of the credit bureaus have failed to provide a copy of my annual report and credit score. I do not have a SSN but I do have a Tax ID #, and it is impossible for me to access my reports online or file any disputes online. I can only request reports to be delivered to me by mail which is a very frustrating and time consuming process. My XXXX is not good so calling in is also not a very good option for me. Unfortunately even after filing a complaint and sending in multiple letters to the credit bureaus, I still have not received an updated copy of my full report or scores from any of the XXXX credit bureaus. I also attached a copy of my original complaint because there are several accounts that I do not recognize and I am not sure if the credit bureaus have done anything about this. Also, Equifax keeps sending me notices saying that the can not locate my file, however, I have attached a copy of my Equifax score from XXXXXXXX XXXX so I am not sure how Equifax can say I have no file but XXXX is providing me with a XXXX score from my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: DE

Complaint narrative:
I was completely taken aback when I noticed inaccurate accounts on my credit report this morning, and I have no idea how they got there. Ive always been diligent about checking my credit report, but today, I found discrepancies that appeared out of nowhere. I even refreshed my browser, hoping it was just a technical issue, but the inaccurate accounts stayed. This situation is really distressing, and Im requesting that the documents Ive sent be thoroughly examined so I can put this worry behind 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 2024-08-22 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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 2024-08-22 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: TX

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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 2024-08-22 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-22 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Chime has chose to discriminate against me, mislead me, on numerous instances provided false and/ incorrect information, condoned and enabled disrespectful and violent behavior from their customer support representatives, and ultimately, repeatedly refused to investigate my disputes involving fraudulent and unauthorized transactions, issues with Account Security and Identity theft via their platform. 

I have been submitting dispute after dispute over the last 8 months since my account and privacy was breached via XXXX XXXX Banking XXXX. I have been carefully documenting all communications in regards to this and have always been met with shady and sub-par customer service as well as blatantly discriminatory and disrespectful patronizing behavior from their often rude and redundant staff. More often than not, I have to wait at least XXXX minutes each phone call to reach someone from Chimes call center and many times its often ill-informed associates who refuse to do their jobs or remain transparent and open in their communication, almost always leading to a misunderstanding. 


The bottom line : My XXXX Rights have been violated on numerous occasions in my pursuit for fair treatment, a thorough investigation and prompt resolution to the very clear concerns I voiced over the past 8 months. As recent as Today, XX/XX/year>, Chime has informed me that my Dispute has been denied, claiming that No Error Occurred or was found when I have repeatedly voice concerns that I was affected via their platform of identity theft and fraud and my funds were slow-siphoned over months, I will provide as many of the communications as possible, I am seeking mediation and a crediting of the full amount of the claim at this point as well as the necessary chargebacks being filed, they have lied on numerous occasions saying they filed chargebacks but produced no such documents or information that shows any coordination with any merchants. They are also claiming to be a financial technology company and not a bank and do not have to adhere to regulation E and Z yet have a dispute process that resembles this exact policy being used. They are indirectly condoning cyber theft and fraud and silently enabling such behavior via their platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: NV

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: AR

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account # XXXX on my credit report. This account is reported inconsistently across the three major credit bureaus ( XXXX, XXXX, and TransUnion ), with the following discrepancies : XXXX : The account is reported as closed, with a date last active of XXXX. 
XXXX : The account is reported as open, with a date last active of XXXX. 
TransUnion : The account is reported as open, with a date last active of XXXX. 

Additionally, both XXXX and TransUnion have placed this account for collection without my consent. The payment status is incorrectly listed as collection or charge-off. These discrepancies are not only misleading but also potentially damaging to my credit profile. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information to credit reporting agencies. The inconsistent reporting of this account, including the incorrect dates and statuses, constitutes a violation of this section. Furthermore, the FCRA mandates that credit bureaus ensure the accuracy and integrity of the information they report ( 15 U.S.C. 1681e ( b ) ).

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The placement of this account for collection without my consent violates the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of a debt. The incorrect collection status also violates 15 U.S.C. 1692f, which prohibits unfair practices in the collection of debts.

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 2024-08-22 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: AR

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account # XXXX on my credit report. This account is reported inconsistently across the three major credit bureaus ( XXXX, Equifax, and XXXX ), with the following discrepancies : XXXX : The account is reported as closed, with a date last active of XXXX. 
Equifax : The account is reported as open, with a date last active of XXXX. 
XXXX : The account is reported as open, with a date last active of XXXX. 

Additionally, both XXXX and XXXX have placed this account for collection without my consent. The payment status is incorrectly listed as collection or charge-off. These discrepancies are not only misleading but also potentially damaging to my credit profile. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information to credit reporting agencies. The inconsistent reporting of this account, including the incorrect dates and statuses, constitutes a violation of this section. Furthermore, the FCRA mandates that credit bureaus ensure the accuracy and integrity of the information they report ( 15 U.S.C. 1681e ( b ) ). 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The placement of this account for collection without my consent violates the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of a debt. The incorrect collection status also violates 15 U.S.C. 1692f, which prohibits unfair practices in the collection of debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: IN

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: IL

Complaint narrative:
I am a victim ofXX/XX/XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-22 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: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation