vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Formal Complaint Against TransUnion - Data Breach, Inaccurate Reporting, and Violations of FCRA and FDCPA Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against TransUnion regarding serious issues that have arisen from their handling of my personal information and credit reporting. 

Firstly, I discovered that my sensitive information was compromised in a data breach, and it is now circulating on the dark web, exposing me to potential harm. Despite this, TransUnion has failed to adequately address the fallout from the breach. 

Additionally, TransUnion is reporting inaccurate and incomplete information on my credit report, a clear violation of the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has not only damaged my credit score but has also violated my rights as a consumer. 

I believe these actions by TransUnion are not only negligent but also malicious. As a result, I am seeking compensation for the damages incurred due to their fraudulent activity and violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions against TransUnion to ensure consumer protection and hold them accountable for their actions. 

Thank you for your attention to this matter. 
God bless. 

Sincerely, 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 2023-11-17 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: SC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-11-17 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: SC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I received a letter ( see attachment ) that stated that I may be a victim of fraud. Please take action against any fraudulent activity asap. Thank you

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 2023-11-17 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: NC

Complaint narrative:
I sent out dispute letters to each Bureau XXXX, XXXX, Transunion regarding the inquires listed below. I also attached my FTC report I filed regarding these unauthorized inquires. They have not responded to me regarding this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached proof of my dispute letters to each company XXXX, XXXX, Transunion and also The FTC report regarding the unauthorized 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 2023-11-17 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: NC

Complaint narrative:
I sent out dispute letters to each Bureau XXXX, Equifax, XXXX regarding the inquires listed below. I also attached my FTC report I filed regarding these unauthorized inquires. They have not responded to me regarding this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached proof of my dispute letters to each company XXXX, Equifax, XXXX and also The FTC report regarding the unauthorized inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I had my wallet and phone with pass code stolen on the evening of XX/XX/2023. I filed a police report the next day that listed all the cards that were stolen. The theived spent {$1900.00} dollars on my Gemini XXXX. I submitted this police report to the company multiple times. Most recently on XX/XX/2023. When I called today, they said that they had not received the police report. Then I received an email saying my claim had been denied. The police report clearly shows what cards were taken and it includes the Gemini card. These charges are definitely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
I took out a loan and went back to pay it off and take a new one the next day. This is a process I have used before. When I made the payoff it was a lot higher than it usually is and the person at the store couldn't tell me why but said I was not the only person who was complaining about it being higher but the company had not released any info to the public or them about any changes. I then went in the next day to talk to the store manager and she told me she didnt have any access to my loan info only what my last pay off amount was but no details on the current or older loans to help compare. She then gave me the number to the customer service over the phone for the company I called them and they couldn't give it to me either they said the store is the only one who can provide this info. My last attempt to get the info was speaking to the area manager who told me he would get with the loan dept and find out why it was higher and get the info on the interest, When he called back all he said they were able to give me was the reason the prior pay off was less is because i took out a smaller loan which has nothing to do with what I was asking for. I mentioned it was a violation of the truth and lending act to not share the details of the loan with me when requested and if he cant get it the store cant get it the customer service number cant get it and the loan team doesn't have access how in the world can I get the info he simply apologized and said it was all he could give me. I still had to take out another loan as I wasn't financially prepared to pay it all off at once and not take a new one so I am currently making installment payments on the loan now and they cant give me info on this loan either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
My student loans were on the REPAYE plan which was supposed to be converted to SAVE. All of my loans were initially converted to SAVE but then without explanation several were taken off of the SAVE plan. I have spent hours on hold and finally spoke to someone that said I would need to reapply for the SAVE plan. I reapplied and now they are telling me it could take up to 90 days to resolve this issue. Today they debited my account for one amount that doesn't match the amount due, an amount that is far higher than it should be. I want my loans immediately put back on the SAVE plan, and the correct payment account calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: NY

Complaint narrative:
I have information that I do not want on my report because it does not belong to me and it affects my credit too much. I want it to be reviewed and deleted. 


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 2023-11-17 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: NY

Complaint narrative:
I have information that I do not want on my report because it does not belong to me and it affects my credit too much. I want it to be reviewed and deleted. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: FL

Complaint narrative:
I demand these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to immediately be removed from my consumer report unless there is proof that I signed giving authorizations for these transactions/inquiries, if there is no such proof then this is IDENTITY THEFT and needs to be removed no later than 4 days according to 15 USC 1681c-2- Block of Information Resulting From Identity Theft, and I will be coming after TransUnion for continuously allowing this after several disputes on this same issue, because you are not protecting my consumer rights as everything allowed on the consumer report should be 100 % accurate according to the law! And I will be suing for {$1000.00} per violation per 15 USC 1681n-Civil Liability for Willful Noncompliance

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 2023-11-17 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:
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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 2023-11-17 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: LA

Complaint narrative:
Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Credit Bureau Name : TransUnion LLC Consumer Dispute Center Credit Bureau Address : XXXX XXXX XXXX XXXXXXXX, PA XXXX Last 4 of SSN : XXXX RE : XXXX To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payment on ( XXXX ) on the account ( XXXX XXXX XXXX XXXX XXXX ). 
This is not true, I was not late on ( XXXX ). I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes. 

Best Regards, 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 2023-11-17 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:
In accordance with Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is emphasized that consumer reporting agencies, such as XXXX and XXXX, must conduct their responsibilities with fairness, impartiality, and a sincere regard for the consumer 's right to privacy. As the consumer in question, I assert my right to ensure that my private information is not shared, supported by Section 6801 of 15 USC, which asserts that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information.

It is crucial to note, as per Section 604 ( a ) ( 2 ) of 15 USC 1681, that any consumer reporting agency, including those aforementioned, is only permitted to furnish a consumer report in accordance with the explicit written instructions of the concerned consumer. In this instance, I have not provided consent, written or otherwise, for the furnishing of my information to credit agencies, as explicitly stated in Section 6802 ( b ) ( c ).

Moreover, Section 1681s2 ( a ) ( 1 ) ( A ) of 15 U.S. Code emphasizes that no person should furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX and XXXX, by reporting adverse information without my permission, are in violation of the law outlined in Section 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including certain adverse information in reports without authorization.

Additionally, these agencies are required by 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specified purposes. It is evident that XXXX and XXXX are not upholding these reasonable procedures. 

Furthermore, 12 CFR 1016.7 emphasizes the consumer 's right to opt out at any time. In exercising this right, I hereby declare my decision to opt out of the reporting services provided by XXXX, XXXX, and any furnisher of information to credit agencies. Any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

In conclusion, I urge strict adherence to the legal provisions outlined above and expect immediate cessation of any unauthorized reporting of my information to credit agencies.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is emphasized that consumer reporting agencies, such as Equifax and XXXX, must conduct their responsibilities with fairness, impartiality, and a sincere regard for the consumer 's right to privacy. As the consumer in question, I assert my right to ensure that my private information is not shared, supported by Section 6801 of 15 USC, which asserts that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information.

It is crucial to note, as per Section 604 ( a ) ( 2 ) of 15 USC 1681, that any consumer reporting agency, including those aforementioned, is only permitted to furnish a consumer report in accordance with the explicit written instructions of the concerned consumer. In this instance, I have not provided consent, written or otherwise, for the furnishing of my information to credit agencies, as explicitly stated in Section 6802 ( b ) ( c ).

Moreover, Section 1681s2 ( a ) ( 1 ) ( A ) of 15 U.S. Code emphasizes that no person should furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Equifax and XXXX, by reporting adverse information without my permission, are in violation of the law outlined in Section 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including certain adverse information in reports without authorization. 

Additionally, these agencies are required by 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specified purposes. It is evident that Equifax and XXXX are not upholding these reasonable procedures. 

Furthermore, 12 CFR 1016.7 emphasizes the consumer 's right to opt out at any time. In exercising this right, I hereby declare my decision to opt out of the reporting services provided by Equifax, XXXX, and any furnisher of information to credit agencies. Any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

In conclusion, I urge strict adherence to the legal provisions outlined above and expect immediate cessation of any unauthorized reporting of my information to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: VA

Complaint narrative:
XX/XX/2023 on old card - fraudulent charge card not present. I disputed. They sent me a letter saying it was removed. They cancelled that card, sent me new card I have not used AT ALL. 
Old charge reappeared - again disputed. Same amount, different vendor reappeared. 2nd letter saying they removed the charge. 
I ONLY used the Citibank Best Buy card at Beat Buy last year - all other charges are fraud. 
So now I have two USPS mails saying the fraud amount was removed and an email that says I am late on payment. When I saw they were still using the old account on my bill, I closed the whole account and now they are sending me the same bill under the new card they issued me. And it is not showing that the card is cancelled. 
And now the charges are larger because they are adding late payment fees on the account. 
I am afraid to log in to Citibank now because they keep moving the charge from one account to the next, The initial fraud had to be due to a Best Buy employee as the email was sent to an email address I no longer use that used to be on an OLD Best Buy account before I changed my name. All transactions I made on that card were made in person at a Best Buy Store.

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 2023-11-17 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: Carter-Young, Inc.
State: NC

Complaint narrative:
After reviewing my credit report thoroughly I noticed an account I don't recognize so i reached reached out directly to the creditor on my consumer report. 

On XX/XX/2023 I sent a dispute letter to Cater young INC Concerning account number # XXXX. The Letter was sent to Cater young and on The XXXX and picked up on the XXXX at XXXX. Carter young did not respond at all regarding my dispute with them. 

On XXXX I gave them another chance to respond. I sent out another dispute letter regarding account Carter Young INC account number # XXXXand requested the validly of the account. Sadly again they did not respond with-in the mandated time frame 30-45 days Set by FCRA. again. Obviously this company dose not have the substantial proof they need to tie this financial bind to me. According the FCRA this item MUST be removed from my consumer report. 

A. I have attached my dispute letter concerning this matter B. I have attached my Tracking numbers/ and Tracking updates for this matter 1.Tracking number for the first dispute letter # XXXX 2. Tracking number for the second dispute letter # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation