vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: OH

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 non-monetary relief
Consumer complaint received 2024-12-29 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: FL

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. 1681 c-2 ) that you, the Equifax credit reporting agency , block any information reporting on my consumer FICO credit report that is the result of identity theft and fraud within the 4 days of you receiving this complaint. This inaccurate, fraudulent, and false information consists of multiple accounts which are listed below : -The 1st fraudulent account consist of a personal credit card account issued by XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ) -The XXXX fraudulent account consist of personal credit card issued by XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ) -The XXXX fraudulent account consist of an auto loan issued by XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX the account number ( XXXX ) -The XXXX fraudulent account consist of a personal credit card account issued by XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 

These accounts have resulted in numerous fraudulent hard inquiries and fraudulent collections reporting on my consumer XXXX credit report. I've also attached a list of the unauthorized hard inquiries in question as well as a copy of my consumer XXXX credit report, which is maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer report. The aforementioned accounts, collections, and hard inquiries reporting on my consumer XXXX 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 XXXX copies of FTC Identity Theft Affidavit reports ( Report # XXXX & Report # 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 non-monetary relief
Consumer complaint received 2024-12-29 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 in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

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 2024-12-29 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:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
Signed up for debit consolidation program made payments as instructed for months and never seen a change in my credit in fact it decreased so I stopped paying and was never reimbursed or got an explanation as to why my credit was getting decreasing instead of getting better

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
I am contacting you to dispute a hard inquiry on my credit report that I believe is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
I am contacting you to dispute a hard inquiry on my credit report that I believe 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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
citi bank XXXX card I ask for a credit limit increase which they did increase from XXXX to XXXX a week later they said they needed more info from me which i did supply. they told me my card would be inactive for XXXX hours while my info was updated. after XXXX hours i called and they told me my card was closed and all the points on the card would not be able to receive. over {$1200.00} worth gone. they had no reason for closing the account. i have a fico score of XXXX and have never been late on a payment. always paid before the bill was due. I feel that since they were not making any interest of my account they just closed 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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This debt does not belong to me at all. I have asked several times for these companies to violate this debt and not one notice has came to me. This is in violation of my rights!!

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 2024-12-29 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

Delete the inquirie below : 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 2024-12-29 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

Delete the inquirie below 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 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I went to the First National Bank of Omaha branch at XXXX XXXX XXXX XXXX. On Friday XX/XX/year> I went into this branch to close my checking and savings accounts, and a CD. I spoke to the branch manager. At first the manager began to fill out the paperwork to close the CD. We talked for a while. At some point she tore up the paper. She refused to tell me why she could not close it. I requested that she give me the amount that is over {$15000.00} total of all of the accounts combined. She refused to do that. She did not tell me why, but she refused to close any of the accounts. She offered to give me {$500.00} cash for the weekend. We continued talking. Finally, she said she would give me {$200.00} for the weekend. I have around {$3000.00} of bills that need to be paid including medical bills, medical insurance premiums, XXXX XXXX XXXX XXXX, cell phone, Internet service, buying food, gas for my car, and homeowners Insurance premiums. {$200.00} will not pay for these bills. Apparently FNBO has blocked my debit and credit cards. The manager never told me that the cards would not be working. The manager did not give me a credible explanation why.

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 2024-12-29 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: CO

Complaint narrative:
To whom may concern I have been trying to clear my credit up for yrs now and just now finding out there are negative items effecting my credit im reaching out because Ive paid accounts closed accounts and yet they still are on my report there are too collection account that have been bought by debtors why havent I received my 1099 they written the debt of as payed cause they were paid what ever third party deal they got goin on Im not involved prove validation my signature on contract owing the exact balance date of delinquency how much it truly is and the date it was open so I can see all charges that have been added also the amount of negative remarks on my account are only hurting me not helping pls delete permanently so can move forward with life

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 2024-12-29 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: CO

Complaint narrative:
To whom may concern I have been trying to clear my credit up for yrs now and just now finding out there are negative items effecting my credit im reaching out because Ive paid accounts closed accounts and yet they still are on my report there are too collection account that have been bought by debtors why havent I received my 1099 they written the debt of as payed cause they were paid what ever third party deal they got goin on Im not involved prove validation my signature on contract owing the exact balance date of delinquency how much it truly is and the date it was open so I can see all charges that have been added also the amount of negative remarks on my account are only hurting me not helping pls delete permanently so can move forward with life

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 2024-12-29 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
I Used " WISE.COM '' to transfer XXXX {$200.00} to XXXX in the XXXX XXXX, on XX/XX/XXXX. The Company implemented a new third party for funds transfer called " PLAID ''. MY ACCOUNT log in was altered and transfer screens were changed. The change required me to log into my " XXXX XXXX XXXX XXXXXXXX and in the confirmation process the " SYSTEM '' FOR MY CHECKING ACCOUNT, IT took the information for " ALL '' my " XXXX '' accounts into their DATA BASE and into the " PLAID '' data base. 

I wrote to complain to the company and asked them to remove the unauthorized accounts data that " PLAID '' downloaded into their data base and the " WISE '' data base. THE COMPANY SEND ME A NON-SENSE REPLY AND REFUSED TO REMOVE THE UNAUTHORIZED ACCOUNT DATA THEY AND THEIR NOW THIRD PARTY CONTRACTOR TOOK FROM ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
ATTN : State Board of Education Members Chair, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX NOTICE! of inaccurate unverified and fraudulent reporting resulting in great pain and suffering for the last XXXX years due to fiduciary irresponsibleness Regarding all claims/inquiries/ on my credit report I request a copy of a 1099C regarding these inaccurate debts The Department of Education is reporting on my credit report I have the right to report The Department to the IRS and to sue for fraud and damages The Department of Education has been non compliant and unresponsive to my many attempts to resolve these inaccurate reportings and mulitple FDCPA violations. 
Pursuant HJR 192 of 1933 " The Department of Education '' XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX Website http : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX Website https : XXXX U.S. Department of Education XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
ATTN : State Board of Education XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX NOTICE! of inaccurate unverified and fraudulent reporting resulting in great pain and suffering for the last XXXX years due to fiduciary irresponsibleness Regarding all claims/inquiries/ on my credit report I request a copy of a 1099C regarding these inaccurate debts The Department of Education is reporting on my credit report I have the right to report The Department to the IRS and to sue for fraud and damages The Department of Education has been non compliant and unresponsive to my many attempts to resolve these inaccurate reportings and mulitple FDCPA violations. 
Pursuant HJR 192 of 1933 " The Department of Education '' Commissioner XXXX XXXX XXXX & XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX, XXXX Washington, D.C. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX Website XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX Website https : XXXX/ U.S. Department of Education XXXX XXXX XXXX, XXXX Washington , D.CXXXX 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 2024-12-29 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: CA

Complaint narrative:
Data breach and fraud are effectively hurting my credit score

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 2024-12-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Back in 2016 I wanted to clean up my credit so I signed on with Lexington credit just to find out all the payments I was making my credit score never changed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i have fraudulent reports on my account and would like them removed. They are hurting my ability to open new 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 2024-12-29 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: NE

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

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