vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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:
I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 
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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit bureau agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Credit Card account opened with XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number. ( XXXX ), an credit card account open with XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), an credit card account open with XXXX  XXXX on XXXX XXXX under the account number ( XXXX ), an credit card account open with XXXX XXXX on XXXX XXXX XXXX under the account number ( XXXX ), XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: IL

Complaint narrative:
AFFIDAVIT OF IDENTITY THEFT AND PRIVACY VIOLATION STATE OF ILLINOIS COUNTY OF CHAMPAIGN I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX, being duly sworn, depose and state as follows : XXXX. Identity Theft Claim : I am the victim of identity theft, as unauthorized accounts and/or transactions have appeared on my credit report. These unauthorized activities do not reflect my actions, intentions, or consent. 

The following accounts must be removed from my credit report as they were opened or closed without my knowledge or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) Changes score b/c it drop from XXXX to XXXX Need to report XXXX XXXX. Privacy Violations : a. In accordance with XXXX CFR Part XXXX, which regulates the privacy of consumer financial information, there has been a violation of my privacy due to the disclosure of non-public personal information without proper authorization. 
b. As per the Privacy Act of 1974, my personal and private information has been mishandled, violating my rights as a private individual.

c. Under 15 USC 6802, I am entitled to be given the option to opt-out of the sharing of my non-public personal information. This was not provided, constituting a violation of my legal rights.

d. According to 15 USC 6805, entities are required to enforce the disclosure limitations of personal information, which was not respected in this case.

3. Right to Opt-Out : I affirm my legal right to opt-out of the sharing of my personal information as outlined in 15 USC 6802. This right has been infringed upon without my knowledge or consent.

4. Request for Resolution : I demand that the unauthorized accounts listed above be investigated and removed from my credit report immediately. Furthermore, I request that the responsible party for the privacy violations provide a full disclosure of how my personal information was used, along with assurances that such violations will cease going forward.

5. Enforcement of Rights : I hereby invoke my right to enforce the protection of my personal information and request corrective measures be taken to prevent further violations of my privacy under applicable federal laws.

I will be seeking compensation for these injuries to the consumer {>= $1,000,000} in A administrative hearing I will lien your company in tell the Compensation is payed in full I affirm under penalty of perjury that the above information is true and correct to the best of my XXXX XXXX XXXX XXXX : 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 non-monetary relief
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  XXXX XX/XX/year> IS IN VIOLATION LAW CODE 15 U.S.C 1681 DEBT IS INNACURATE NON-VERIFIABLE & OUTDATED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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 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. 

List of Unauthorized 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  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 2024-12-31 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: OK

Complaint narrative:
Recently checking my credit report I noticed that I have been a victim of identity theft and found numerous inquiries that I have no knowledge of. Here are the accounts and dates that Ive found, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I also attached my identity theft report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is a follow up to the inaccurate response the company provided on complaint # XXXX Citi claims that I filed the dispute outside of the 120 day timeframe but did not proved any details other than the date the charge poster on XX/XX/year>. I can only assume the details were lacking as they were covering up for their error. 

Please see the attachment that shows the conditional credit was issued on XX/XX/year> which was well within the 120 day window. Credit is on top section of the statement. 

I ask the CFPB to look into this continued misuse of authority by Citi, especially by the executive response team as they appear to be purposely responding with false and misleading information as an internal coverup. 

Citi has a broken process that lacks the proper communication protocols, leaving the consumer in a defenseless position. I have evidence that I asked for a simple phone call on multiple occasions with that request being ignored.

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 2024-12-31 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: OH

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  # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX 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 2024-12-31 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: OH

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  # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX 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 explanation
Consumer complaint received 2024-12-31 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:
I am writing to file a formal complaint against Transunion for failing to accurately update my credit report. Despite my previous efforts to dispute these inaccuracies directly with Transunion, the following discrepancies remain unresolved : Account Name/Number : XXXX XXXX Acct # XXXX Disputed XX/XX/2024 This account should be deleted as the deletion was guaranteed by creditor XXXX XXXX Acct # XXXX Disputed XX/XX/2024 This account should also be deleted as the deletion was guaranteed by creditor XXXX XXXX XXXX XXXX XXXX Acct # XXXX Disputed early 2024. This account should be reported as paid and in good standing as the account was paid in full by my auto insurance company after being declared totaled out. 

After several attempts to resolve this with Transunion, my request was denied. This failure is in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies, such as Transunion, maintain accurate and complete information. Specifically : Section 607 ( b ) of the FCRA requires that credit reporting agencies implement reasonable procedures to ensure the maximum possible accuracy of the information reported.

Section 609 ( a ) provides consumers with the right to dispute inaccurate information and to have it corrected in a timely manner.

Section 623 ( a ) ( 1 ) ( A ) obligates data furnishers to report accurate information to the credit bureaus.

Despite my attempts to resolve these issues directly with Transunion, I have not received a satisfactory response, nor have the errors been corrected. This situation is significantly impacting my credit score and hindering my ability to obtain credit or secure favorable terms. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter to ensure that Transunion complies with the FCRA and resolves these discrepancies. I ask that Transunion take immediate corrective action to correct the accounts listed above to reflect accurate information. 

I also request written confirmation of these updates and to be sent an updated copy of my credit report reflecting the changes. 

Sincerely,

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 2024-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Notice of Revocation of Power of Attorney and Demand for Fiduciary Accountability To : Navy Federal Credit Union Subject : Formal Notice Regarding Account of XXXX XXXX XXXX ( e.g., XXXX XXXX XXXX ) This letter serves as a formal notice of the following : XXXX. Revocation of Power of Attorney Pursuant to [ XXXX ( Code of Federal Regulations ) ] and applicable provisions under XXXX ( Uniform Commercial Code ), I hereby revoke any implied or expressed power of attorney previously granted to Navy Federal Credit Union regarding my accounts or trust-related matters. Any continued reliance on said authority will be deemed unauthorized. 


2. Fiduciary Duty under Trust Accounts Under the UCC, fiduciary duties must be upheld for trust accounts. As a fiduciary, Navy Federal is obligated to manage such accounts in compliance with the principles of trust law, including transparency, accountability, and the proper management of funds. 


XXXX. Restrictions on Loans Using Bank-Owned Stock In accordance with UCC provisions XXXX financial institutions are prohibited from issuing loans backed by their own stock. This practice constitutes a conflict of interest and violates banking regulations designed to ensure financial stability and integrity. 


4. Truth in Lending Act 15 USC 1605 Under the Truth in Lending Act ( 15 USC 1605 ), Navy Federal must provide clear and accurate disclosures regarding the finance charges and terms associated with my accounts. Failure to comply with these standards violates federal law and will result in further legal action if necessary.

Summary of Demands Cease and desist from acting under any presumed authority regarding my accounts.

Provide a full accounting of any fiduciary actions taken on my trust account.

Confirm compliance with the Truth in Lending Act ( 15 USC 1605 ).

Ensure all actions adhere to UCC regulations regarding the issuance of loans and fiduciary duties.

Failure to address this notice within [ reasonable time, e.g., 10 business days ] will result in the escalation of this matter to the appropriate regulatory and legal authorities. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My information was exposed in a data breach. These items below are on my credit report and need to be removed in 4 days. 

XXXX Reported : XXXX XXXX, XXXX + {$980.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$7000.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$2600.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$490.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$5000.00} Closed XXXX Reported XXXX XXXX XXXX, XXXX + {$140.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed Hard inquiry XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX  XXXX Inquiry : 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