vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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 listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
Violation of the Fair Debt Collection Practices Act ( FDCPA )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TX

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 2024-12-20 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: OR

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Transunion has locked me out of my online account, so i can't freeze and unfreeze my credit without calling them, which takes XXXX minutes on-hold each time. I've repeatedly attempted to escalate this issue with them, and every time I'm told i'll hear back from them, and i never do. This has been going on for more than a year. I keep my credit files frozen unless I need to use them, and transunion has made it incredibly difficult to do so by forcing me to use their antiquated and understaffed phone service. They've offered no reasonable path to fix my account, and have repeatedly promised to escalate the issue without any resolution.

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 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I recently discovered that my personal credit information has been breached, resulting in unauthorized access to my credit report. This breach has caused unauthorized credit inquiries to appear on my report, which I did not initiate, authorize, or consent to. This activity has compromised my financial security and placed me at significant risk for identity theft and other fraudulent actions.Unauthorized inquiries : My credit report reflects multiple inquiries from companies I have never interacted with or approved access to. These inquiries are illegitimate and constitute a clear violation of my privacy and consumer rights. 
Breach impact : This breach has caused undue stress, potential harm to my credit score, and created a risk of further financial loss. I rely on my creditworthiness, and this breach has jeopardized my ability to maintain it. 

I have taken immediate steps to review my credit report and flagged these unauthorized inquiries. Despite my efforts, I have not received any resolution or assistance in rectifying this issue. The failure to address this breach violates my trust and expectations for proper handling of my personal credit information.

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 2024-12-20 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: DE

Complaint narrative:
I recently discovered that my personal credit information has been breached, resulting in unauthorized access to my credit report. This breach has caused unauthorized credit inquiries to appear on my report, which I did not initiate, authorize, or consent to. This activity has compromised my financial security and placed me at significant risk for identity theft and other fraudulent actions.Unauthorized inquiries : My credit report reflects multiple inquiries from companies I have never interacted with or approved access to. These inquiries are illegitimate and constitute a clear violation of my privacy and consumer rights. 
Breach impact : This breach has caused undue stress, potential harm to my credit score, and created a risk of further financial loss. I rely on my creditworthiness, and this breach has jeopardized my ability to maintain it. 

I have taken immediate steps to review my credit report and flagged these unauthorized inquiries. Despite my efforts, I have not received any resolution or assistance in rectifying this issue. The failure to address this breach violates my trust and expectations for proper handling of my personal credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: CA

Complaint narrative:
upon running UCC-11 certified search of my name it has come back that I have no debt, so I check my credit report and I there is a lien/debt in my name being furnished by XXXX XXXX card services fraudulently !!! account # XXXX, open date XX/XX/year>.

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 2024-12-20 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:
My credit report contains accounts that are inaccurate and should not be associated with my name. This is not only unfair, but also deeply troubling, as I have never authorized or been involved with the activities linked to these accounts. If you fail to investigate and correct these errors, I will have no choice but to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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:
My credit report contains accounts that are inaccurate and should not be associated with my name. This is not only unfair, but also deeply troubling, as I have never authorized or been involved with the activities linked to these accounts. If you fail to investigate and correct these errors, I will have no choice but to take legal action.

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 2024-12-20 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: MD

Complaint narrative:
I recently reviewed my credit report and notice fraudulent items. I have over XXXX inquires I also need removed anything before XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently reviewed my credit report and notice fraudulent items. I have over XXXX inquires I also need removed anything before XX/XX/year> 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 2024-12-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
on XX/XX/year> I checked my Consumer Report, I noticed a account that was placed on my report by CITICARDS CBNA as a late payment and Authorized User. I never applied for a CITICARD nor did I authorize anyone to add me as a Authorized User. I reached out to CITICARD a few times via phone but they never can help 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 2024-12-20 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2024-12-20 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: Loqbox US Inc
State: TX

Complaint narrative:
I noticed two accounts incorrectly reported on my credit file : LOQBOX Finance LLC ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) These accounts are not mine, and I have no affiliation with them. I believe this is a case of either incorrect reporting or identity theft. 

I have contacted XXXX to request the immediate removal of these accounts, but they remain on my credit report, negatively impacting my creditworthiness. 

I am submitting this complaint to request the CFPB 's assistance in resolving this matter and ensuring these inaccuracies are corrected promptly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called the company XX/XX/24 and requested a copy of the 1099-c debt cancellation letter to affirm the charge off that is unlawfully reported on my credit report for account number XXXX ; and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: OK

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
I was cold contacted by XXXX  XXXX XXXX, who said I was approved for a {$5000.00} installment loan at 4.9 %. After just getting divorced after XXXX years I had many lawyers bills XXXXand a {$5000.00} loan at a reasonable interest rate seemed attractive to me. I went over there details and gave them my bank name USAA Federal Savings routing number and my account number. Then the guy tells me they have to verify my identity so that they know they are sending the money to me, the actual person. So they tell me that they are going to give me a credit card number and I should put {$2500.00} in my XXXX XXXX Account. Then take a screenshot and send it to them. I did this. Then they said I should send the money back to them and take another screenshot showing a XXXX balance in my XXXX XXXX account which I did. They said all was well and they would call me back the next morning to be sure ther money was in my account. This transaction triggered USAAs fraud department to immediately step in and freeze my account. They said it was all a scam and I was a victim.However the next morning XXXX  XXXX XXXX deposited two checks in my account purportedly from XXXX XXXX. One for {$1600.00} and one for {$900.00} and USAA paid them. They were bogus and USAA said I was responsible for the {$2500.00} and took it out of my account even though they say they are always looking out for their customers. I am on a fixed income and now have lost {$2500.00}. I have pictures of the checks and Im amazed that after USAA Fraud stepped in that they would not hold these checks especially when you look at them, they do not look anything like a real XXXX XXXX check. Anyway USAA took the money from my social security direct deposit this morning and now I will be strapped for money to get through XXXX. They said I was responsible because I gave out the banking information. So much for USAA taking care of Veterans.

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 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
on XX/XX/XXXX XXXX XXXX made me aware that my credit dropped by XXXX points due to my account with PNC being closed. I then saw that the account had been closed on XX/XX/XXXX when i called to request information i was told it was due to over limit and delinquent payment. Upon review i had corrected both on XX/XX/XXXX and made another payment for the outstanding balance on XX/XX/XXXX. When I asked how to reopen my account since I did not have a overlimit or delinquent status I was transferred or told to call multiple different departments and was finally told that nobody could reopen the account since it was a bank decision. When I asked if an account was closed wrongly could they reopen it I was told that yes they could but mine was not closed wrongly and nobody in PNC could help me. I explained to all representatives that this is my oldest credit account and i keep it open in order to maintain my credit score. It was offered to try to reapply for an account however I don't need a new account as i maintained this account to keep my credit age up. This is a secured credit account with a {$300.00} limit and is therefor extremely low risk for the bank however it is extremely high risk for me to lose this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: AL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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