vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: PA

Complaint narrative:
TransUnion has violated Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ), which requires consumer reporting agencies to notify consumers within five business days of reinserting a previously deleted account into their credit file. A reinsertion of a previously deleted XXXX account appeared on my credit report without proper notification as mandated by law. 

Details of the Violation : XXXX. The XXXX account had been previously removed from my credit file. 
XXXX. I was not notified in writing within the required five-day period after the account was reinserted. 
XXXX. This failure to notify constitutes a direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ). 
XXXX. The reinsertion of the account without notice has impacted my ability to monitor and dispute inaccuracies on my credit report. 

Relief Requested : XXXX. Immediate removal of the reinserted account from my credit file. 
XXXX. Written confirmation that the account will not be reinserted without proper notification in compliance with the FCRA. 
XXXX. Assurance that TransUnion will implement corrective measures to ensure compliance with the law.

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 2024-12-10 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Kentucky XXXX Date of Birth : XXXX Last XXXX of XXXX : XXXX XXXX Dispute of Unauthorized Credit Inquiries. To Whom It XXXX Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. Request XXXX request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. The inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.. Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Best regards, 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 2024-12-10 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: MS

Complaint narrative:
I submitted a verification request disputing unauthorized inquiries on or around XX/XX/year>. I also requested that reporting companies delete unauthorized inquires per FCRA sec. 604f 15 usc 1681 as they are not authorized and holds no permissible purpose or other reason. Within. XXXX hours I got an email claiming that items have been verified and will continue to stay on my report for XXXX years even after I the consumer, natural person verified that they were not authorized. 

On XX/XX/year> Equifax responded to my initial dispute stating that the items in question that I listed on my identity theft report are factual. Equifax did not provide consumer with proof of verification. Consumer has not received information on Equifax process on how they verify disputes. Consumer demands an explanatory statement from Equifax on how they certify their verification process, in the form of an Affidavit signed under penalty and perjury by someone at Equifax who can attest to the facts. Consumer demands a list of the of the people Equifax spoke with per company still listed on consumers report to which the validity of the inquiries can be properly verified. Per FEDERAL FAIR CREDIT REPORTING ACT it is Equifaxs responsibility to make sure that the consumers personal information and integrity is preserved by all necessary steps and measures. If Equifax can not provide consumer with the necessary documents that will substantiate the authority for the inquiry to remain then Equifax will have willingly and intentionally violated consumers rights and Permissable Purpose of consumer report and will be agreeing to a payment to the consumer of {$5000.00} dollars to the consumer for each inquiry that remains on consumers report without proper and lawful verification. This agreement is non negotiable and consumer reserves all rights to claims and defenses without recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed with credit bureaus unverified bankruptcies on my report. XXXX has informed me that they somehow verified the bankruptcy, XXXX XXXX said they used XXXX XXXX ( XXXX  party ) to verify. Then they said they contacted the furnisher, us bankruptcy court. then they emailed and said that they can make their own determinations at to records. 

Please see attached documentation : XXXX. Furnisher has mailed me a letter indicating that NO bankruptcy is in my name, XXXX. XXXX Party, XXXX XXXX, has confirmed that there is NO verified bankruptcy in their files. 
XXXX. Data breach letter attached. 
XXXX. FTC report attached. 
XXXX. XXXX after investigation has removed the unverified bankruptcy, Last attempt to have XXXX remove these unverifiable public records from my report before commencing Legal action for violations of Privacy and FCRA violations.

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 2024-12-10 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: CA

Complaint narrative:
I am writing to formally dispute the unauthorized hard inquiries listed on my credit report. These inquiries were neither authorized by me nor initiated with my consent, and their presence on my credit report is inaccurate and harmful.

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 2024-12-10 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: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is are fraudulent auto loan by XXXX XXXX XXXX - ( PARTIAL ACCOUNT NO : XXXX .... ) and XXXX XXXX - XXXX XXXX XXXXXXXX - ( PARTIAL ACCOUNT NO : XXXX .... ) were opened under my name without my knowledge and I am asking to block and delete these fraudulent accounts because I have no knowledge about these accounts. They are fraudulent 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
Consumer complaint received 2024-12-10 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX  XXXX, PA XXXX Subject : Request for Removal of Closed, Paid-Off Account from Credit Report Dear XXXX XXXX XXXX XXXX  , I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX Account Closed : XX/XX/XXXX, XX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


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 explanation
Consumer complaint received 2024-12-10 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 am writing to formally request that the inquiries listed below be blocked and deleted from my credit report. I am a victim of a data breach, and these inquiries were made without my consent or authorization. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-10 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: SC

Complaint narrative:
I am writing to formally request that the inquiries listed below be blocked and deleted from my credit report. I am a victim of a data breach, and these inquiries were made without my consent or authorization. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-10 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
D Bank USA/Target Credit XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Account Information To Whom It May Concern, I am writing regarding the above-referenced account ( Account Number : XXXX ). Please note that I am not disputing this debt ; however, I am requesting the following information for my records : XXXX. The date of first delinquency on the account. 
XXXX. The date of the last payment made on the account. 
XXXX. The date the account was charged off. 
I would appreciate your assistance in providing this information at your earliest convenience. 
Thank you for your time and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: Experian Information Solutions 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. 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 non-monetary relief
Consumer complaint received 2024-12-10 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: 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There were XXXX types of accounts opened in my name with XXXX. 
XXXX is a credit card for {$1600.00} XXXX is a loan for {$4800.00} I attempted to contact the company which stated they could not find an account. 

They show up on my Transunion Credit Report. I have filed a dispute with them. 

Credit score on Transunion going down due to lack of payments.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I found out I was being reported as deceased on my credit report I requested I copy of my report in the mail when I received my credit report I seen someone else name date of birth and deceased remark, witch explained why Ive been having trouble accessing my credit report on my report I have no credit history because of this information I am being denied of every thing I applied for I tried to get this remark corrected since XXXX and NOTHING but stress and multiple different phone calls and misdirection this has been the most stressful situation please help me get this resolved!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a XXXX employee. 

I bank at XXXX XXXX currently, and reviewed an account opening offer for Citi bank to take advantage of on XX/XX/XXXX. I funded the account with XXXX $ by debit card transfer. That deposit was held for XXXX hours and made available XX/XX/XXXX. From XXXX XXXX  to citi bank. 

XX/XX/XXXX, they placed an account hold. 
XXXX  they said it was a XXXX XXXX issue ( which is a lie, XXXX XXXX let the money go on XX/XX/XXXX per trans history ) Then the XXXX  representative said that there was no hold. Which is not true because my citi bank app says " delay hold '' placed at XXXX A XXXX representative said this will be available tomorrow. But that is not true per the XXXX supervior that stated this hold is not because of XXXX XXXX but for other reasons that can not be explained and no hold release date has been provided. The fraud team said since I changed my pin number it causes a flag. 

I asked to be transferred to someone in the u.s and instead of a customer service rep, they directed my call to a u.s branch and then got re directed to customer service for a XXXX minute hold time. 

This is cash. I had my XXXX XXXX account for a year now. All receiving money by my direct deposit from my employer XXXX  bank. 

This deposit is made over XXXX business days ago. 
I live in Florida and not many citi banks are around. I am glad I am having this problem prior to switching my direct deposit but.. 

They are illegally holding my funds outside of reg cc. 

I am not committing ID theft and the money did not come from a fraud source. 

I have XXXX  years of banking knowledge. 

Citi bank is committing a crime. 

I was warned about citi bank and said why would I be flagged. I opened up a personal checking and brokerage. 

This bank deserves to be fined for violating many regulations. 

The XXXX  image I included shows the XXXX $ sent on XX/XX/XXXX from XXXX XXXX. 

The XXXX  screen shot shows the illegal delay of my funds

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