vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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: NE

Complaint narrative:
This complaint is being filed against XXXX, XXXX, and TransUnion for failure to comply with federal laws governing the reporting and timely removal of inaccurate accounts associated with identity theft. 

I have previously submitted an Identity Theft Affidavit, an Affidavit of Truth, and copies of my identifying information to each of the credit bureaus via certified mail, which has been received as evidenced by the return receipts. These documents clearly establish that the following accounts are fraudulent and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I stated Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), you are required to investigate and delete any information that can not be verified as accurate within 4 business days when identity theft has been properly reported. Specifically : 15 U.S.C. 1681c-2 mandates that credit reporting agencies block fraudulent information within 4 days of receiving an identity theft report and proof of identity.

15 U.S.C. 1681i ( a ) ( 5 ) requires the deletion of inaccurate or unverifiable information following a reasonable investigation.

Failure to comply with these obligations has been adjudicated in the following court cases, which highlight your liability and lack of compliance : XXXX v. TransUnion, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Failure to remove inaccurate information after proper notice constitutes willful noncompliance with the FCRA. 

XXXX v. TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Credit reporting agencies are liable for damages when they fail to conduct reasonable investigations.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
ACCOUNT # XXXX Hope this finds you good Im lettin you know I dispute the debt above under the Fair Debt Collection Practices Act This aint a request for more proof or docs just wan na make sure you know I dont agree with this debt For future contact best time to reach me is by text on my cell or email on my computer XXXX  to XXXX  between XXXX and XXXX Eastern Time Any other times or ways like live calls or voicemails aint convenient Thanks for understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationXXXX. Please delete the following accounts. 
CITICARDS CBNA Date 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 2024-12-15 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: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These incorrect addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: MS

Complaint narrative:
These inquiries were not authorized by me. I am a victim of identity theft

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 2024-12-15 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: MD

Complaint narrative:
I demand to see XXXXerifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit 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 explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/XXXX I decided to review my credit report. Generally it appeared to be in order. but what I saw was that one of my XXXX XXXX accounts was unlocked and my XXXX XXXX XXXX  account also unlocked after several atempts to lock them. I was contacted by a representative from XXXX XXXX as! was concerned about leak information or fraudulent attempts that could happen. I was told by XXXX XXXX that my account was frozen. However, I wanted to know why two accounts which under the names of the account is written in green " XXXX granted '', while the remaing ( XXXX ) accounts displayed " XXXX blocked '' ( which was what I requested. I attempted to contact XXXX on XXXX occassion with the XXXX representative on the other line. All we got for awhile was the automated system, which of course had NO options relating to my issue. I received noticed that my social security was on the dark web as well. I sent three ( 3 ) emails to XXXX, but was told they were only going to automated system. I have made calls to no avail unable to get a phone number to speak to a human. I don't exactly know how this affects my credit with " access granted ''. I get no answer and just want to know WHY when I definitely locked these two accounts ) they remain accessible. Secondly, there is documentation that I have an account with XXXX XXXX! I DO NOT HAVE AN ACCOUNT WITH MACYS. When I applied for this account ( XXXX XXXX ) mid XXXX, my accounts were frozen, and I was told I can unfreeze. I didn't bother. I do not have an account to XXXX so why is it on my credit listings. This too I am just noticing it. It is blocked and can't be unlocked! I am somewhat XXXX now regarding this complaint in that at first it did not accept my instituting a new password and I believe my privacy for CFPB has been violated ( I have email prviacy address ), and I believe XXXX accounts for CFPB has been created! 
Becaue I can't reach a human being, I am rquesting a written response to my concerns regarding mention of XXXX XXXX ( which I have NO account ) and why XXXX accounts XXXX  XXXX ( I can't tell if it's my XXXX  account or XXXX ) but I am unable to access I tried to file a disupte and the approprate page would not show up XXXX my computer ( another concern ). So I am prevented from filing a dispute ( I will continue to try ) However I did apply for XXXX XXXX mid XXXX and told my credit report was frozen, so why is XXXXXXXX XXXXs showing as a account on XXXX report. As the federal Fair Credit reporting ( FRA ) promotes accuracy, I would like to have same for my reporting 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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/XXXX I decided to review my credit report. Generally it appeared to be in order. but what I saw was that one of my XXXX XXXX accounts was unlocked and my XXXX XXXX XXXX  account also unlocked after several atempts to lock them. I was contacted by a representative from XXXX XXXX as! was concerned about leak information or fraudulent attempts that could happen. I was told by XXXX XXXX that my account was frozen. However, I wanted to know why XXXX accounts which under the names of the account is written in green " XXXX granted '', while the remaing ( XXXX ) accounts displayed " XXXX blocked '' ( which was what I requested. I attempted to contact XXXX on XXXX occassion with the XXXX representative on the other line. All we got for awhile was the automated system, which of course had NO options relating to my issue. I received noticed that my social security was on the dark web as well. I sent XXXX ( XXXX ) emails to XXXX, but was told they were only going to automated system. I have made calls to no avail unable to get a phone number to speak to a human. I don't exactly know how this affects my credit with " access granted ''. I get no answer and just want to know WHY when I definitely locked these XXXX accounts ) they remain accessible. Secondly, there is documentation that I have an account with XXXXXXXX XXXX I DO NOT HAVE AN ACCOUNT WITH MACYS. When I applied for this account ( XXXX XXXX ) mid XXXX, my accounts were frozen, and I was told I can unfreeze. I didn't bother. I do not have an account to XXXX so why is it on my credit listings. This too I am just noticing it. It is blocked and can't be unlocked! I am somewhat XXXX now regarding this complaint in that at first it did not accept my instituting a new password and I believe my privacy for CFPB has been violated ( I have email prviacy address ), and I believe XXXX accounts for CFPB has been created! 
Becaue I can't reach a human being, I am rquesting a written response to my concerns regarding mention of XXXX XXXX ( which I have NO account ) and why XXXX accounts XXXX  XXXX ( I can't tell if it's my Platinum account or XXXX ) but I am unable to access I tried to file a disupte and the approprate page would not show up XXXX my computer ( another concern ). So I am prevented from filing a dispute ( I will continue to try ) However I did apply for XXXX XXXX mid XXXX and told my credit report was frozen, so why is XXXX 's showing as a account on XXXX report. As the federal Fair Credit reporting ( FRA ) promotes accuracy, I would like to have same for my reporting accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
XXXX continues to erroneously report NMAC ( Nissan Motor Acceptance ) account on my credit report. The first date of delinquency was over 7 years ago. Also, I contacted the creditor directly, and their response was that they could not locate the account in their system. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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:
Even though it shows on my XXXX and XXXX reports, I noticed that my XXXX XXXX XXXX tradeline account is no longer being reported to Transunion. The account was in good standing for quite some time, and I believe it should be reinstated. The removal of this tradeline has had a negative impact on my credit score and no longer accurately reflects my credit history.

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 2024-12-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
SEE ATTACHED FOR LETTER TO EXPERIAN IN REGARDS TO INACCURATE LATE PAYMENTS WITH 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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Greetings to whom it XXXX concern my name is XXXX XXXX and I receive response letters by email and in my mailbox at my home address from Experian, XXXX and XXXX regarding the dispute letters that I have submitted for my dispute claim stating the they have not taken any action to resolve the alleged actions of the disputes issue I have submitted due to the fact they believe it wasnt sent from me or on my behalf that it wasnt authorized by me on my behalf to be submitted. Im filing this complaint now because I find that this is a violation of my rights and a stalled process that is not being handled correctly by these credit agencies I ask for help to resolve this matter. 
Thank you 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 2024-12-16 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: CA

Complaint narrative:
I would like this item investigated l. The inaccuracies are highly injurious to my credit score. 
Account XXXX XXXX  XXXX XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of credit report after your investigation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding my unresolved issue with Citi Bank, which has negatively impacted my credit and financial stability. 

In XXXX, I fully paid off my Best Buy Citi credit card balance and requested a pay and delete letter to confirm the account was settled and removed from my credit report. Despite my request, Citi Bank never provided the requested letter. Shortly after making the payment, I received a collection letter from a third-party company, claiming I still owed a debt to Citi Bank XXXX Confused and concerned, I called Citi Bank immediately to address the situation and confirm my payment. They acknowledged my payment but again failed to provide written confirmation or documentation resolving the issue. 

The account remained on my credit report until XXXX, causing ongoing damage to my credit profile. When I reached out to Citi Bank again earlier this year, they only sent an email confirming the account closure but still did not provide the requested formal documentation. 

The lack of proper communication, follow-up, and accurate reporting on Citi Banks part has caused significant inconvenience and frustration. I request CFPBs assistance in ensuring Citi Bank provides the necessary documentation and investigates the mishandling of this situation, including their failure to follow through with the agreed pay and delete process and the erroneous collection notice I received. 

Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/year>, Capital One unexpectedly reduced my credit limit from {$12000.00} to {$5000.00} without prior notification. I have consistently managed my account responsibly, making on-time payments and maintaining a good credit score. This sudden and unexplained reduction has caused financial inconvenience and has impacted my credit utilization ratio.

I contacted Capital One to address the issue, but I was not provided with a satisfactory resolution. This decision has negatively affected my financial flexibility, and I believe it is unfair to penalize a responsible customer. 

I am requesting that my credit limit be restored and increased to {$15000.00} to align with my credit needs and responsible credit behavior. I urge the CFPB to assist in resolving this issue with Capital One and ensure that such actions are made transparently and fairly in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
On XX/XX/year> ; I received an email stating that my loan wasnt approved or they can provide me with any loan offers through the site of XXXX XXXX, however I didnt apply for any loans because I am always denied whenever I did try to apply for a loan with OneMain Financial. Even though XXXX XXXX has always shown they offered me loan offers and they send me loan offers through the mail as well via XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: FL

Complaint narrative:
Background : I've used same credit card for XXXX years and have {$35000.00} limit. My spouse is an authorized user. 

Issue : US Bank recently created new process XXXX months ago whereby anytime my spouse spends a $ limit, I receive a text message and have to provide timely provide it to her for the transaction to go through. This happens multiple times a week. 

Attempt to Remedy : I've called the credit card XXXX XXXX XXXX. Most recently ( XX/XX/year> ) agent informed me the card company would require me to open a new credit card with my spouse as a co-applicant, and that's the only way they can address this. XXXX acknowledged it was a terrible policy and needs to be addressed ( noting he had the same issue with his spouse using the card ). 

Opening a new credit card is not acceptable remedy. I would simply like to add my spouse to the existing card, vs. XXXX opening a new line of credit.

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 2024-12-16 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/year> To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.Thank you for your immediate action to this issue. 

XXXX XXXX

Company response to consumer: Closed with explanation