vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-14 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: FL

Complaint narrative:
My fatherboat a car in XXXX and financed it through XXXX XXXX, my father got sick during the pandemic and lost everything financially, he had no choice but to file bankruptcy, the bankruptcy was filed XX/XX/XXXX and XXXX XX/XX/XXXX through the bankruptcy court my father requested a reaffirmation agreement which was never given to him, I was away in college and my father wanted me to keep the car, the car was originally a lease in XX/XX/XXXX and when lease was over my father bought the car outright so he financed it through XXXX XXXX  at the dealership, since I was away at college my father asked the dealer can we register the car in both names for insurance purposes and the dealer said yes no problem, so now I've graduated college and have a great job as a XXXX XXXX with a large company, I passed all background with them and took my state Exam and passed now I'm being denied appointments because the car is showing up on my credit report as charged off closed account with a balance of {$23000.00} and me as a, cosigner but when I pulled my credit reports its not on them, I never cosigned i was away at college, my father didn't request I'd be a cosigner just added to the registration, my father sent payments in which were never honored, he request come get the car, they haven't and when I asked which credit bureau they said XXXX but it's not on my XXXX, so I can possibly lose my career if this remains on my report, it's not fair to me and especially when my father tried at least 20 times since the discharge and never got a single response, but i honestly don't know if its an error because of the name or what, but I'm asking, pleading for your help, it's hard enough to come out of college and be fortunate enough to get a job and lose it because of an error on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15 U.S.C. 1681 Fair Credit Reporting Act. Right to Privacy! I have never given XXXX, XXXX or Trans Union my authorization to sell or obtain my private information. 
Victim of the XXXX XXXX Data breach

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 U.S.C. 1681 Fair Credit Reporting Act. Right to Privacy! I have never given XXXX, Experian or XXXX XXXX my authorization to sell or obtain my private information. 
Victim of the XXXX XXXX Data breach

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 2024-10-14 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: WA

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 explanation
Consumer complaint received 2024-10-14 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 file a formal complaint against TransUnion for their failure to comply with my rights as outlined under the Fair Credit Reporting Act ( FCRA ) Section 605C, which provides protections to survivors of XXXX XXXX. I am a survivor and victim of XXXX XXXX, and TransUnion has failed to appropriately address adverse information in my credit report that is a result of the circumstances of my XXXX  experience. FCRA Section 605C specifically mandates that credit reporting agencies must block adverse items of information in a credit report when the information is a result of human XXXX  or related situations. Despite my attempts to inform TransUnion of my status and the relevant legal protections, they have not taken the necessary actions to remove the harmful information from my credit report. This failure to act is a clear violation of my rights under federal law. As per the FCRA, credit reporting agencies are required to respond within four business days after receiving proper documentation from a survivor. I have submitted documentation in accordance with the requirements of Section 605C, but TransUnion has not fulfilled its legal obligation to block or remove the adverse information. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion is held accountable for violating my rights as a XXXX  survivor. The agencys refusal to act is causing undue harm to my financial wellbeing and is exacerbating the XXXX  I have already endured. Enclosed, please find copies of all relevant documentation, including communications with TransUnion and evidence of my status as a victim and survivor of 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 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: NY

Complaint narrative:
After a period of a few years operating and having scheduled activity from my US Bank checking account, I was notified from them via mail that my account was being placed in a dormant status and would begin to be charged additional fees because there wasn't any ad hoc user-initiated transfers/payments. 

Opting instead to close my account, I began the process. I withdrew all my money from the account, which according to their letter, should have removed the dormant status, and called to request a CSR make my account active status so it could be closed. It's not possible to close accounts in dormant status according to US Bank.

The form the CSR submitted resulted in an exception, and I was not notified. The account stayed in dormant status. I only found out because I called a week later to confirm that it was closed. 

I escalated to a manager and after an hour or so they were able to put me in a queue manually to get the dormant status removed. 

Two weeks later I get a push notification on my phone and apparently the issue is not yet resolved because my checking account is still open. I call and they have XXXX records of the manager action putting me in a queue. 

I am speaking currently to XXXX XXXX she claims it's again being escalated to a CS Manager, this time named XXXX XXXX She claims XXXX should be giving me a call back to resolve my issue. I'm not holding my breath.

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 2024-10-14 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:
Non authorized inquiries on credit report All inquiries from XX/XX/XXXX to XX/XX/XXXX were not authorized by me excluding XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I filed a dispute because the transaction was voided by the merchant and never returned to my account, the transaction was done on XX/XX/year> and voided the same day Im still waiting for my refund. I have sent them the voided transaction receipt from the merchant and someone has my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I would like my money returned to my account immediately. I also have another dispute from the same for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: Fuel Capital Group
State: FL

Complaint narrative:
Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX  XXXX City State Zip : XXXX, Florida XXXX Date : XXXX Creditor Name : Strike Acceptance inc Address : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX RE : Inaccurate Credit Reporting ( 15 USC 16812 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 
The following account ( Strike Acceptance inc, account number XXXX ) is reporting a balance of ( {$9100.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. 
This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 
Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. 
If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 
Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. 
Please forward any correspondence or changes to my credit report to the address listed above. 

Regards XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon reviewing my credit report, I found multiple unauthorized accounts that I did not consent to. Please block and eliminate these errors as soon as possible.

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 2024-10-14 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:
Recently I locked at a copy of my credit report and noticed several inaccurancies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these item for me to ensurre accuracy. 
here is the item i am asking you to verify as accurate. 
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 2024-10-14 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:
Recently I locked at a copy of my credit report and noticed several inaccurancies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these item for me to ensurre accuracy. 
here is the item i am asking you to verify as accurate. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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 respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: GA

Complaint narrative:
I am formally disputing an entry below on my credit report issued by your agency. By my rights under the Fair Credit Reporting Act ( FCRA ), I would like to ask for an immediate investigation of this entry as I believe that the information has been placed on my report without permission or my explicit consent, violating my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lack of Permissible Purpose : According to 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under certain conditions, such as when there is a legitimate business need or express permission from the consumer. However, the entry in question does not meet these criteria, and no permissible purpose or consent was provided by me for the inclusion of this information on my credit report.

The law is clear : Under 15 U.S.C. 1681b ( a ), consumer reporting agencies are prohibited from furnishing a consumer report unless the party obtaining the report has a specific purpose authorized by the consumer or the law.

Additionally, 15 U.S.C. 1681b ( f ) states that any user of a consumer report must certify the permissible purpose for which the report is being obtained.

In this case, I did not authorize any such inquiries or accounts to be added to my credit file, nor was any permissible purpose legally justified. As such, the inclusion of this information is both unauthorized and unlawful.

Violation of My Consumer Rights : Furthermore, under 15 U.S.C. 1681n and 1681o, any willful or negligent non-compliance with the FCRA entitles the consumer to statutory damages. The failure to ensure that only authorized parties have access to my credit report, or that inaccurate information is being reported without verification, places your agency in direct violation of these sections of the FCRA.

Action Requested : I am requesting that your agency : Remove the unauthorized or inaccurate information from my credit report immediately.

Provide written confirmation of the investigation process and the outcome within 30 days, as required by law.

Please note that failure to correct this violation of my rights under the FCRA may result in legal action, where I may seek damages for the unlawful reporting of unauthorized or inaccurate information. 

Thank you for your immediate attention to this matter. I look forward to your timely response and confirmation that this issue has been resolved.

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 2024-10-14 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: GA

Complaint narrative:
I am formally disputing an entry below on my credit report issued by your agency. By my rights under the Fair Credit Reporting Act ( FCRA ), I would like to ask for an immediate investigation of this entry as I believe that the information has been placed on my report without permission or my explicit consent, violating my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lack of Permissible Purpose : According to 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under certain conditions, such as when there is a legitimate business need or express permission from the consumer. However, the entry in question does not meet these criteria, and no permissible purpose or consent was provided by me for the inclusion of this information on my credit report.

The law is clear : Under 15 U.S.C. 1681b ( a ), consumer reporting agencies are prohibited from furnishing a consumer report unless the party obtaining the report has a specific purpose authorized by the consumer or the law.

Additionally, 15 U.S.C. 1681b ( f ) states that any user of a consumer report must certify the permissible purpose for which the report is being obtained. 
In this case, I did not authorize any such inquiries or accounts to be added to my credit file, nor was any permissible purpose legally justified. As such, the inclusion of this information is both unauthorized and unlawful. 

Violation of My Consumer Rights : Furthermore, under 15 U.S.C. 1681n and 1681o, any willful or negligent non-compliance with the FCRA entitles the consumer to statutory damages. The failure to ensure that only authorized parties have access to my credit report, or that inaccurate information is being reported without verification, places your agency in direct violation of these sections of the FCRA.

Action Requested : I am requesting that your agency : Remove the unauthorized or inaccurate information from my credit report immediately.

Provide written confirmation of the investigation process and the outcome within 30 days, as required by law.

Please note that failure to correct this violation of my rights under the FCRA may result in legal action, where I may seek damages for the unlawful reporting of unauthorized or inaccurate information. 

Thank you for your immediate attention to this matter. I look forward to your timely response and confirmation that this issue has been resolved.

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 2024-10-14 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: CA

Complaint narrative:
In accordance with the fair reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX Account # XXXX I looked at my experian credit report and noticed somethings are incorrect and incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information Concerning the individual about the report relates according to 15 USC 1681EB and according to 15 USC 1681 I ( 5 ) they are supposed to do this 5 treatment of inaccurate or unverifiable information ( A ) In generallf after any investigation under paragraph one ( 1 ) of any information disputed by a consumer any item of information is found to be inaccurate or incomplete or can not be verified the consumer agency shall ( I ) promptly delete that item of information from the file.

And according to 15 USC 1681 S -2 They are not supposed to 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 2024-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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