vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On approximately XX/XX/year> as I was checking my credit report, I saw a credit card from XXXX that I had not opened. I contacted XXXX and they determined it was fraudulent. I requested it be removed from my credit report from Trans Union. As of XXXX XXXX it is still on my report.

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 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
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. 16811 ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) iter reviewing my recent credit report, I have identified we following inquiries that I do not recognize or authorize Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
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. 16811 ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) iter reviewing my recent credit report, I have identified we following inquiries that I do not recognize or authorize Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2024-10-31 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: CA

Complaint narrative:
Applications were done in my name and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: TX

Complaint narrative:
I am a victim of Equifax, XXXX, XXXX, XXXX, Social Security Administration Data breach.There are several accounts, inquiries, incorrect addresses, incorrect SSN on my consumer credit profile that is a result from identity theft. Please delete all unauthorized accounts, inquiries, addresses, ssn, phone numbers, and collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: SC

Complaint narrative:
In according whit the fair credit reporting act. XXXX XXXX XXXX XXXX XXXX Has violated my right 

15 U.S.C. 1681 SECTION 602 A. State have the Right to
privacy..

15 U.S.C 1681 SECTION 604 A SECTION 2 IT also States a
c
Consumer Reporting  Agency cannot funish a account
without my writing instructions.

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 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Follow up to complaint XXXX On XX/XX/2024, an unrecognized and unauthorized charge of {$1700.00} from XXXX appeared on my Chime checking account. I do not have an XXXX account. After attempting to reach XXXX to no response I opened a dispute through Chime customer support on XX/XX/XXXX. A day later the dispute was closed without even contacting me with no evidence provided to me nor any further communications requesting any additional info. I appealed the dispute and the same thing happened. As of XX/XX/2024 I have disputed and appealed this charge over a dozen times and Chime still refuses to give me any explanation or reasoning that goes into their decision. This goes directly against XXXX XXXX Liability policy which guarantees that you won't be held responsible for unauthorized charges made with your account or account information. Attached below is my identity theft report for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 explanation
Consumer complaint received 2024-10-31 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: BTH Management
State: OH

Complaint narrative:
Plaza service Company failed to validate account information within 30 days. Credit reporting company sent a stall letter. Credit reporting agency failed to remove account from consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that was in fact paid on time. Late payment date XX/XX/year>. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
bought tickets, tryed to cancel or another date they said I couldn't. I went on trip and they charged me twice.for same day-amex card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX XXXX. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. She made copies of my social security card, driver 's license, and birth certificate during her stay. She proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire she started but she has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as she is nowhere to be found. 

After researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that the TransUnion, XXXX, and XXXX credit XXXX agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following accounts are the fraudulent/unauthorized accounts in question XXXX XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date XXXX Inquiry : XX/XX/XXXX XXXX XXXX Date of 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 2024-10-31 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: GA

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. She made copies of my social security card, driver 's license, and birth certificate during her stay. She proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire she started but she has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as she is nowhere to be found. 

After researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that the XXXX, XXXX, and Equifax credit reporting agencies 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. The following accounts are the fraudulent/unauthorized accounts in question : XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XXXX Inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: DE

Complaint narrative:
RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Also remove the late payments attach to the following Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Lastly Remove the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX XXXX XXXX of Complaint : On XX/XX/year>, I submitted a dispute to Experian disputing a late payment reported by. XXXX XXXX XXXX referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I have never made a late payment to this company. 
I finished paying my loan in full. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, 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 2024-10-31 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: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
Please be advised that this is my SECOND REQUEST asking you to remove the unverified account listed below that remain on my credit report in violation of the 15 U.S.C 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that the item is being reported correctly. What this mean is that your company must be willing and able to produce a document in your files that proves the account in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed account which means that you are NOT verified or you can not verify my account and under section 611 ( 5 ) ( A ) of the FRCA- you are required to promptly delete all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
upon reviewing my credit i notice there are alot of inquires on my credit report and i never applied for any credit with these companies XXXX XXXXXXXX XXXX  and XXXX & XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX All Banks XX/XX/year> XXXX XXXX XXXX - XXXX Personal Loans Companies XX/XX/year> XXXX XXXX XXXX, personal XX/XX/year> TransUnion XXXXXXXX XXXX  Jewelry, cameras, and computers XX/XX/year> TransUnion XXXX XXXX And XXXX XXXX XXXX XXXX specific XX/XX/year> XXXX XXXX XXXXXXXX XXXX and XXXX & XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX Banks XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX personal XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX personal XX/XX/year> TransUnion XXXXXXXX XXXX XXXX and XXXX & XXXX XX/XX/year> TransUnion XXXX XXXX XXXX, personal XX/XX/year> TransUnion XXXXXXXX XXXX  Auto Financing XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX Automobile Dealers, Used XX/XX/year> XXXX XXXX XXXX LAND Automobile Dealers XXXX New XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXXXXXX XXXX Automobile XXXX XXXX New XX/XX/year> XXXXXXXX XXXX XXXX XXXX  XXXX personal XX/XX/year> TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX, personal XX/XX/year> TransUnion XXXX XXXX XXXX Auto XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> TransUnion XXXXXXXX XXXX Banks and XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX Automobile Dealers XXXX XXXX XX/XX/year> XXXX XXXX XXXX Auto XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year> TransUnion XXXX XXXX Auto XXXX XX/XX/year> XXXX XXXX XXXX VIA XXXX Auto Financing XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX Automobile Dealers XXXX XXXX XX/XX/year> XXXX I want these items to be remove from my credit report immediately.

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 2024-10-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
upon reviewing my credit i notice there are alot of inquires on my credit report and i never applied for any credit with these companies XXXX XXXX Banks and XXXX & XXXX XX/XX/year> XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/year> Experian XXXX XXXX BANK XXXX All Banks XX/XX/year> XXXX XXXX XXXX - XXXX Personal Loans Companies XX/XX/year> XXXX XXXX XXXX, personal XX/XX/year> XXXX XXXX XXXX Jewelry, cameras, and computers XX/XX/year> XXXX XXXX Department And XXXX XXXX XXXX XXXX specific XX/XX/year> Experian XXXX XXXX Banks and XXXX & XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX Banks XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX personal XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX personal XX/XX/year> XXXX XXXX XXXX  Banks and XXXX & XXXX XX/XX/year> XXXX XXXX XXXX XXXX, personal XX/XX/year> XXXX XXXXXXXX XXXX Auto Financing XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Automobile Dealers, Used XX/XX/year> Experian XXXX XXXXXXXX XXXX Automobile Dealers XXXX New XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX IN Automobile XXXX XXXX New XX/XX/year> XXXXXXXX XXXX XXXX Finance XXXX personal XX/XX/year> XXXX XXXX Banks and XXXX & XXXX XX/XX/year> XXXX XXXX XXXX, personal XX/XX/year> XXXX XXXX XXXX XXXX Auto XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX  Banks and XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Automobile Dealers XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX  Auto XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XXXX Auto XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXXXXXX Auto Financing XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Automobile Dealers XXXX XXXX XX/XX/year> XXXX I want these items to be remove from my credit report immediately.

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Date : XXXX XXXXXXXX XXXX Subject : Dispute of Inaccurate Information on Account Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dear Customer Service Team, I am writing to formally dispute the information reported on multiple closed accounts associated with Bank of America. Under 15 U.S.C. 1681, I am entitled to accurate information reporting and protection against unauthorized sharing of my financial information. Sharing my personal information with third parties without my explicit consent constitutes a violation of my privacy rights under FCRA Section 604 ( a ) ( 2 ) and other applicable statutes.

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