vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have just been aware that my consumers information was breached thru XXXX data breach and accounts have been opened under my name fraudulently. I have been working closely with XXXX and TransUnion. XXXX has been a tremendous help but fails to have everything/all accounts removed deleted or blocked after showing them a ftc report cfpb report and a XXXX report. 2 accounts remain and I have received emails from XXXX stating that XXXX and XXXX ( 2accounts ) were verified as accurate without any verification process ( affidavit and validity of debt, signed contract with wet ink signature by me consenting the account and the reporting to trans and XXXX ). I have also wrote these two companies physical mail letters cert mail after the fact letting them know I was a victim of fraud and sending attachment files. I even offered to sign a 1099-c so they wouldnt incur a lost to have them delete the account and trade lines from my report in good faith. They have failed to write back or help delete and report all accurate information on the consumer report as per congressional findings and other federal laws. 
Please help me find justice and be heard by removing these accounts or sending proof of claim of debt.

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 2024-03-08 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: Kikoff Inc.
State: NJ

Complaint narrative:
I have just been aware that my consumers information was breached thru XXXX data breach and accounts have been opened under my name fraudulently. I have been working closely with XXXX and XXXX. XXXX has been a tremendous help but fails to have everything/all accounts removed deleted or blocked after showing them a ftc report cfpb report and a bbb report. XXXX accounts remain and I have received emails from XXXX stating that extra and kikoff ( XXXX ) were verified as accurate without any verification process ( affidavit and validity of debt, signed contract with wet ink signature by me consenting the account and the reporting to trans and XXXX ). I have also wrote these XXXX companies physical mail letters cert mail after the fact letting them know I was a victim of fraud and sending attachment files. I even offered to sign a XXXX so they wouldnt incur a lost to have them delete the account and trade lines from my report in good faith. They have failed to write back or help delete and report all accurate information on the consumer report as per congressional findings and other federal laws. 
Please help me find justice and be heard by removing these accounts or sending proof of claim of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
hi i went over my credit report and i found out i have inquiries and collections accounts i called the reporting agencies and let them know the inquiries and negative items/collections/charge off in the document included below are not supposed to be visible on my consumer report. I NEVER gave them written consent to report them Pursuing 18 U.S. Code 1028A - Aggravated identity theft U.S. Code ( a ) Offenses. 
( XXXX ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
hi i went over my credit report and i found out i have inquiries and collections accounts i called the reporting agencies and let them know the inquiries and negative items/collections/charge off in the document included below are not supposed to be visible on my consumer report. I NEVER gave them written consent to report them Pursuing 18 U.S. Code 1028A - Aggravated identity theft U.S. Code ( a ) Offenses. 
( XXXX ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is to follow up any response from you after the 30 days of investigation. As I revived my Credit file I have noticed that the account still is reporting as inaccurate and incomplete in information. I am once again request for another investigation to the account and send me the notification that the disputed account have been updated : XXXX : XXXX XXXX XXXX Balance Owed : {$260000.00} The presence of late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected.=======TransUnion : XXXX XXXX XXXX XXXX XXXX : {$260000.00} The presence of late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-08 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: FL

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-08 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: LA

Complaint narrative:
This is my fourth attempt to address the ongoing issue. Despite multiple requests, I have been consistently denied access to my personal credit report by EQUIFAX. They have refused to release any information regarding my credit history. Attached herewith are supporting documents, including a copy of the letter I sent to the credit bureau, along with copies of my personal identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NV

Complaint narrative:
I HAVE A INQUIRY ON MY REPORT FROM XX/XX/year> AND I HAVE NOT EVER APPLIED FOR A CARD WITH DISCOVER AND IT SHOWS A ACCOUNT WAS CLOSED. I WANT THIS DELETED OFF MY REPORT NOW BECAUSE THIS IS FRAUDULENT AND I DID NOT AUTHORIZE DISCOVER TO ACCESS MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX, I used my Citi credit card to pay {$51.00} for a XXXX XXXX XXXX at XXXX The gift card was never received. 

On XX/XX/XXXX, I called the gift card merchant directly to try to resolve the issue. The support agent I spoke with advised that the merchant would follow up with me in " a few days. '' I never heard from the merchant. 

On XX/XX/XXXX, I initiated the dispute process with Citi to seek a refund of the {$51.00} I paid. 

On XX/XX/XXXX, Citi advised me that they were closing the dispute and ruling in the merchant 's favor. 

On XX/XX/XXXX, I contested Citi 's determination and advised that the item still had not been received and the merchant still had not contacted 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 monetary relief
Consumer complaint received 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After numerous attempts to get these fraudulent inquires removed from my credit reports the credit bureaus have not removed these fraudulent inquires.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my dissatisfaction and frustration regarding the repeated attempts to rectify the late opening of my account with your esteemed institution. Despite my continuous efforts to resolve this matter, I have encountered significant challenges, leading to undue inconvenience and financial implications on my part. 

I would like to bring to your attention the following issues I have encountered : Communication Breakdown : Despite numerous inquiries and follow-ups, there has been a noticeable lack of communication regarding the status of my account opening process. This has left me feeling uninformed and uncertain about the progress made. 

Administrative Errors : On multiple occasions, discrepancies in the documentation submitted have been cited as reasons for the delays in processing my account opening request. However, upon careful review, I have found no inaccuracies in the information provided, raising concerns about the efficiency and accuracy of your administrative procedures. 

Financial Implications : The delays in opening my account have resulted in missed opportunities and financial implications, including late fees and penalties incurred due to the inability to access necessary banking services in a timely manner. 

Customer Service Experience : The overall customer service experience has been subpar, characterized by unresponsiveness, lack of accountability, and a failure to address my concerns in a satisfactory manner. 

Given the aforementioned issues, I urge you to take immediate action to rectify the situation and expedite the opening of my account without further delay. Additionally, I request compensation for the inconvenience caused, including reimbursement for any financial losses incurred as a result of the delays. 

Furthermore, I expect a formal acknowledgment of this complaint and a detailed plan outlining the steps you will take to prevent such incidents from occurring in the future. As a valued customer, I believe that transparency, accountability, and timely resolution of issues are paramount to maintaining a positive relationship with your institution. 

Please treat this matter with the urgency it deserves, and do not hesitate to contact me should you require any further information or clarification. With this, I am asking for your assisstance to correct this account in my credit file : XXXX XXXX Balance : {$17000.00}.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-08 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: TN

Complaint narrative:
I reviewed my consumer reports and noticed that I have an account with XXXX XXXX XXXX that has been charged off and late. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included a screenshot inside this complaint on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late and charged off. If proof can not be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you. Please see screensdhot attached :

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 2024-03-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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 explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The debt collector XXXX XXXX I, XXXX, communicated with me without first sending written notification of the debt, which should have legally included the official name of the creditor, the alleged amount of debt owed, and a notification that the debtor has the right to dispute the debt in question. The debt collector communicated with me using my email address, telephone number, and text number, yet they never offered me " any '' method to opt-out. The incessant phone calls were made in an attempt to harass and intimidate me into paying a debt that has never been validated and which I believe is the result of identity theft- which I have been a victim of at least twice in the past 10 years. The company violated the 7in7 rule by making repetitious harassing and threatening calls to my phone during a seven-day period. The debt collectors made false claims, including but not limited to the fact that they worked for Citi Bank and that I must provide my DOB, address, and social security number to verify my identity before they could discuss the debt with me. 

During the first week of XX/XX/2024, I received a form letter in the mail from the law office of XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. This form letter stated that a lawsuit had been filed ( Case # XXXX ) and notified me that I was being offered a resolution proposal for {$2400.00} in connection with File # XXXX is my understanding that the debt collectors actions described in this complaint violate provisions of the Fair Debt Collection Practices Act ( FDCPA )

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been trying to get this stuff figured out since XX/XX/year>. I had 2 erroneous late payments thrown onto my credit report, that has seriously damaged my credit and my reputation. After alot of investigating and phone calls we finally came to the conclusion that Citi Bank is the company in charge of Best Buy 's store branded credit cards. And they are the one 's who committed this HUGE reporting error on my credit report. Please see the attached document directly from best buy that proves my case to be correct. Not only did I cancel a subscription that i never signed up for, but i was also refunded the full amount of this hidden subscription that they gave me ( XX/XX/year> ). In XXXX and XXXX of XXXX Citi bank again violated me by placing a 30 and 60 day late payment on my credit report, for the subscription that was canceled back in XXXX of XXXX. How can a company of this magnitude make such a huge mistake? I've lost sleep, had to put buying a house on hold, and the worst part is that nobody has helped 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 explanation