vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting 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 These fraudulent accounts consist of personal credit card account opened XXXX   XXXX opened on XXXX in the amount of {$540.00}, XXXX XXXX opened on XXXX in the amount of {$3500.00}, XXXX XXXX opened XXXX under account XXXX in the amount of {$1000.00}, XXXX XXXX opened on XXXX in the amount of XXXX, XXXX XXXX opened XXXX in theamount of {$4000.00}. A car loan at XXXX XXXX opened XXXX XXXX in the amount of XXXX. A loan at XXXX opened XXXX in the amount of XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All 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 # ( private case number ) 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 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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
A fraudulent account was opened using some of my personal identifying information. I reached out to XXXX XXXX XXXX XXXX concerning this fraud. I was told that they would investigate. In XXXX I became an independenXXXX XXXX XXXX XXXXXXXX. I attempted to join the XXXX XXXX. I was told to reach out to the XXXX XXXX XXXX XXXX at XXXX. I have been contacting them for the past 26 months, leaving repeated voicemail messages, NEVER receiving a response. I have a police report, concerning this account, that I will submit along with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
A fraudulent account was opened using some of my personal identifying information. I reached out to XXXX XXXX XXXX XXXX concerning this fraud. I was told that they would investigate. In XXXX I became an independent XXXXXXXX XXXX XXXX. I attempted to join the XXXX XXXX. I was told to reach out to the XXXX XXXX XXXX group at XXXX. I have been contacting them for the past 26 months, leaving repeated voicemail messages, NEVER receiving a response. I have a police report, concerning this account, that I will submit along with this request.

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 2024-12-30 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: VA

Complaint narrative:
I disputed this issue with all three credit report companies, for the following XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as XXXX the companies that I mention above purchased the debt in XXXX and resold to the debt prior to the 7 year mark. And did not send me anything in the mail stating that the debt was sold I had to find out by looking at all three credit reports so when they purchased the debt they came up with a new date to keep it longer on my credit report which is not fair. Per credit bureaus are required to automatically remove most negative items from your credit report after seven years, or seven years plus 180 days for a charge-off.

That's not being done and per the law it states The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a written notice to consumers within five days of their first contact : The amount of the debt The name of the creditor How to dispute the debt How to contact the collector in writing A statement that the collector will verify the debt if you dispute it in writing within 30 days A statement that the collector will provide the name and address of the original creditor if requested A warning that any information obtained will be used to collect the debt None of that was done for me so what can be done in this matter I need help for the disputing with all three credit report companies is not doing their jobs at all

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 2024-12-30 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: VA

Complaint narrative:
I disputed this issue with all three credit report companies, for the following 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, as XXXX the companies that I mention above purchased the debt in XXXX and resold to the debt prior to the 7 year mark. And did not send me anything in the mail stating that the debt was sold I had to find out by looking at all three credit reports so when they purchased the debt they came up with a new date to keep it longer on my credit report which is not fair. Per credit bureaus are required to automatically remove most negative items from your credit report after seven years, or seven years plus 180 days for a charge-off.

That's not being done and per the law it states The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a written notice to consumers within five days of their first contact : The amount of the debt The name of the creditor How to dispute the debt How to contact the collector in writing A statement that the collector will verify the debt if you dispute it in writing within 30 days A statement that the collector will provide the name and address of the original creditor if requested A warning that any information obtained will be used to collect the debt None of that was done for me so what can be done in this matter I need help for the disputing with all three credit report companies is not doing their jobs at all

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-30 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: CA

Complaint narrative:
My name is XXXX XXXX, I am submitting this complaint on the behalf of myself. There is no 3rd party company disputing on my behalf. Please, do not send me an automated response! All documents will be included for this dispute. 

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following Experian accounts and I have the right to privacy, please be reminded, no consent is identity theft. please promptly delete the following accounts within 4 business days pursuant to 15USC 1681-c-2 to avoid legal proceedings. Thank you for your timely compliance! 

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 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

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 2024-12-30 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-30 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: NY

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.

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 2024-12-30 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:
I am writing to formally express my outrage and frustration regarding the XXXX data breach, which resulted in the unauthorized exposure of my personal information. This massive security failure is not just an inconvenienceit is a clear violation of my privacy and rights as a consumer. XXXX 's gross negligence has directly affected me, and the lack of meaningful action in the aftermath only adds insult to injury. 

I am appalled by the inadequate response from XXXX to this data breach, as well as the lack of sufficient accountability from the Consumer Financial Protection Bureau in holding XXXX accountable. Despite the severity of this breach, it appears there has been little real action to protect the consumers whose sensitive data was compromised, including myself. 

To date, I have not seen any effective measures taken by the CFPB to ensure that XXXX is properly addressing this situation, nor have I seen any evidence of significant oversight or consequence for the companys egregious failure to protect my data. The fact that my financial and personal information was allowed to be exposed is a violation of my fundamental right to privacy, and it is absolutely unacceptable that it has not been rectified to my satisfaction. 

I demand immediate action from the CFPB, including but not limited to : A detailed update on the status of the CFPBs investigation into this breach and its enforcement actions against XXXX. 
XXXX steps being taken to prevent such breaches from happening again, not only with XXXX but across the industry. 
Immediate financial remediation or compensation for those impacted by the breach, including but not limited to credit monitoring, identity theft protection, and legal remedies. 
Transparent information about how my personal data has been misused or accessed and what measures XXXX has taken to mitigate further harm. 
This situation is a clear case of corporate failure, and I am deeply disappointed in the CFPBs current lack of effective response. I expect swift and decisive action to address this violation of my rights. If no satisfactory resolution is reached, I will not hesitate to take further action, including but not limited to pursuing legal avenues and taking this matter to public forums to hold both XXXX and the CFPB accountable. 

I trust that you will take this matter seriously and act swiftly to resolve it.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-30 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: AL

Complaint narrative:
The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my XXXX and Equifax report on XX/XX/year> and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
The debt is not mines and I don't have knowledge of this account. The account is a result 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 2024-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Dakota Financial, LLC
State: GA

Complaint narrative:
XXXX {$1000.00} deposit to hold vehicle XXXX {$320.00} flight to pickup vehicle {$40.00} XXXX XX/XX/XXXX - {$20000.00} down payment 1/18/2023-extended warranty {$9000.00} XXXX XXXX XXXX XXXXXXXX {$40000.00} XXXX XXXX XXXXXX/XX/XXXX {$4200.00} XXXX XXXX XXXX {$5000.00} XXXX XXXXs {$3000.00} XXXX XXXX  XXXX {$1500.00} XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX  Total Out Pocket Expenses {$130000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE DISPUTED WITH PROOF THAT I AM PROTECTED WITH THE ADDRESS CONFIDETIAL PROGRAM FROM THE STATE OF TEXAS FOR PVER FIVE YEARS YEARS THEY REFUSE TO REMOVE.
THEY HAVE NOT REMOVED ONLY ADDING THE XXXX XXXX USED TO RECEIVE MAIL MY DRIVERS LICENSE IS THE XXXX XXXX  AND THIS HAS CAUSED A BIG MOVE AND MISPLACEMENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: MD

Complaint narrative:
Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 

XXXX  Account number XXXX XXXX XXXX  Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 




Tracking everything CC : XXXX, XXXX, CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I did not consent, nor benefit from, nor authorize the following account : CREDIT COLLECTION SERVICES- {$340.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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:
Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing it from my credit report FCRA.

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 2024-12-30 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: CA

Complaint narrative:
Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing it from my credit report FCRA.

Company response to consumer: Closed with non-monetary relief