vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: NV

Complaint narrative:
I am writing to formally dispute fraudulent accounts and inquiries that have been reported on my credit file. As a victim of identity theft resulting from a data breach, I request the immediate blocking and deletion of all accounts and inquiries listed below, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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:
To Whom It May Concern, I am filing this complaint to address an unresolved issue with TransUnion regarding a fraudulent account listed on my credit report. Despite my efforts to dispute this directly, the account remains on my report. 

The account in question is with XXXX XXXX XXXX XXXX, account number XXXX. I have confirmed this account is fraudulent, as I did not authorize or provide permission, nor did I provide written consent for its inclusion on my credit report. I believe this is the result of identity theft. 

The account does not belong to me and was not authorized by me. 
Supporting Evidence : I have provided a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). 
My fraudulent dispute letter attached highlights the account in question. 
Proof of my identity and address is also attached. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to the blocking and removal of fraudulent accounts upon submission of an identity theft report. TransUnion is legally required to : - Block the fraudulent account within four business days.

- Notify the furnisher of the fraudulent account that it has been blocked. 

Despite these requirements, TransUnion has not acted promptly to remove the account. This delay continues to harm my credit and causes unnecessary distress.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX has removed this account due to invalidity and i have tried to dispute from XXXX and equifax but unfortunately they have not removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX has removed this account due to invalidity and i have tried to dispute from Experian and XXXX but unfortunately they have not removed

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 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Blockchain.com, Inc.

Complaint narrative:
I have been using Blockchain.com for over 6 years, never encountered an issue until now. 

They are actively marking my tickets as solved on their site, when it's really not solved. They are holding over XXXX of my funds, for absolutely no reason since the XXXX of XXXX I have submitted dozens of support tickets, which they are actively marking as solved when no resolution was provided, many people online experiencing similar issues with blockchain.com recently XXXX XXXX XXXX/blockchain.com Their trust pilot page is horrific, i am from the XXXX but I'm hoping you can help me. 

I sold some bitcoin for XXXX GBP, they allowed me to sell for XXXX XXXX which they have done for 6 years, they allowed me to initiate the withdrawal to my bank account but XXXX weeks later no funds still. 

Countless support tickets and attempts to contact to no avail, the total amount is over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I never received any mail because I had a XXXX  XXXX and was going through a divorce and my wife was getting all of the mail and I would only the utility bill and the cell phone bill. Never received anything from anyone. XXXXXXXX XXXX XXXX and moved out and Im still havent received any mail from anyone, Im hoping that she doesnt have any of it.

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 2024-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Tesla, Inc.
State: GA

Complaint narrative:
Tesla has failed to refund my money to XXXX XXXX as promised within the XXXX business days, leaving me paying for a car I do not have. It has been XXXX  days with no resolution despite my persistence. Customer service has been unresponsive, and Tesla Duluth has also failed to file the necessary car registration paperwork, leaving me without a permanent license plate. I demand an immediate refund to XXXX XXXX, confirmation of the refund, and resolution of my registration issue. Teslas lack of accountability and communication is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: GA

Complaint narrative:
On multiple occasions, I have contacted Equifax regarding several unverifiable inquiries on my credit report, yet the issue remains unresolved. Despite my repeated efforts, which include directly reaching out to the creditors involved, none have provided any verification, authorization, or proof of permissible purpose for these inquiries. I have also contacted Equifax several times to inform them of this lack of verification, but they have not removed these inquiries as required by the Fair Credit Reporting Act ( FCRA ). In contrast, both XXXX and XXXX have already removed these inquiries based on the same information I provided. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I do not recognize these inquiries and have no record of authorizing them. I have documentation of all my correspondence with Equifax and the creditors to support my claims. I urge Equifax to take this matter seriously and remove these inquiries immediately to ensure the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and 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 explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1.Name : My current legal name is XXXX XXXX but it is listed incorrectly on my credit report as XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 

2.Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX but my credit report shows an outdated address as 1 ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX. 2 ) XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX. 3 ) XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX. I request that my current address be updated accordingly. 

3.Employer : My current employer is XXXX XXXX XXXX XXXX but it is listed incorrectly on my credit report as XXXX XXXX XXXX XXXX XXXX, FL, XXXXXXXX XXXX  FL. I request that employer be updated to reflect the correct information. 

4.Date of Birthday : My DOB is XXXX/XXXX/XXXX, but it is listed incorrectly on my credit report as XXXX. I request that employer be updated to reflect the correct information. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address and current Employer.

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 2024-12-02 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: FL

Complaint narrative:
I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1.Name : My current legal name is XXXX XXXX but XXXX is listed incorrectly on my credit report as XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 

2.Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX but my credit report shows an outdated address as 1 ) XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX. 2 ) XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX. 3 ) XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX. I request that my current address be updated accordingly. 

3.Employer : My current employer is XXXX XXXX XXXX XXXX but it is listed incorrectly on my credit report as XXXX XXXX XXXX XXXX XXXX, FL, XXXXXXXX XXXX  FL. I request that employer be updated to reflect the correct information. 

4.Date of Birthday : My DOB is XXXX/XXXX/XXXX, but it is listed incorrectly on my credit report as XXXX. I request that employer be updated to reflect the correct information. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address and current Employer.

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 2024-12-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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 2024-12-02 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: DE

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and to formally request that you block and delete the following fraudulent account and unauthorized inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Unauthorized Inquiries : XXXX. XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: DE

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and to formally request that you block and delete the following fraudulent account and unauthorized inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Unauthorized Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/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 explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX Inquiry 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 2024-12-02 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:
XX/XX/year> I pulled my credit reports from XXXX I have them attached. There are seven accounts that are reporting inaccurate. I know my rights as a consumer and I know that al my consumer reports must be fair and accurate. These seven accounts are reporting incorrect time frames and balances. This is incorrect information is affecting my livelihood and mode of living. I demand that these accounts are removed from my consumer reports due to inaccurate reporting. These accounts are reporting as " CO '' every month and that is inaccurate. This is causing the statue of limitations to continue to be prolonged because the time is starting over with this inaccurate reporting. I submitted these disputes to XXXX, TransUnion, and XXXX because each agency is reporting this information for these companies. I have my letter, consumer reports and the laws that protect me as a consumer.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> I pulled my credit reports from XXXX I have them attached. There are seven accounts that are reporting inaccurate. I know my rights as a consumer and I know that al my consumer reports must be fair and accurate. These seven accounts are reporting incorrect time frames and balances. This is incorrect information is affecting my livelihood and mode of living. I demand that these accounts are removed from my consumer reports due to inaccurate reporting. These accounts are reporting as " CO '' every month and that is inaccurate. This is causing the statue of limitations to continue to be prolonged because the time is starting over with this inaccurate reporting. I submitted these disputes to XXXX, XXXX, and Equifax because each agency is reporting this information for these companies. I have my letter, consumer reports and the laws that protect me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: IL

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. List all accounts :
"

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