vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
XXXX XXXX ( shown as Credit Control ( collector for doctor office ) on bankruptcy paperwork - can match Addresses between credit report & bankruptcy rpt -  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ) is reporting to XXXX  an account in collection status but account was discharged in bankruptcy XXXX XXXX, 2019. Account needs to be removed from collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/2020 My wife called Wells Fargo Home Mortgage ( XXXX ) ( XXXX XXXX   XXXX XXXX XXXX, IA XXXX ) to apply for a forbearance. She was told they would start the process. 

We got a letter in the mail dated XX/XX/2020 stating that effective XX/XX/2020 our loan would be transfered to XXXX XXXX XXXX ( XXXX ) ( XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX ) On XX/XX/2020 I called XXXX XXXX XXXX ( XXXX ) ( XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX to find out what was going on with our loan. I was told that they could see it had be transfered but that they could not see any loan details for up to six weeks and that I need to call them back every two weeks to find out. I let them know that Wells Fargo Home Mortgage ( XXXX ) ( XXXX XXXX  XXXX XXXX XXXX, IA XXXX ) was working on forbearance paperwork before the transfer. XXXX XXXX XXXX said they would honor any agreement we had with Wells Fargo Home Mortgage. 

Another letter from Wells Fargo Home Mortgage ( XXXX ) ( XXXX XXXX  XXXX XXXX XXXX, IA XXXX ) Dated XXXX Stating that we owed them XXXX by XXXX or the loan could require immediate payment of loan in full. 

XXXX I called Wells Fargo Home Mortgage ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX, IA XXXX ) to find out why the loan had been transfered and not put into forbearance. They had no answers. They did tell me i could ignore the letter dated XXXX seeing as the loan had been transfered. I asked them if I was going to be required by XXXX XXXX XXXX  ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) to pay that amount, again Wells Fargo Home Mortgage could'nt answer. I asked Wells Fargo Home Mortgage why they didn't put the loan in forbearance before the transfer, Wells Fargo Home Mortgage said they could not find the request from XXXX. I Let Wells Fargo Home Mortgage know that I thought they where trying to steal my home and that I was going to report their practices to a Federal Agency. I asked Wells Fargo Home Mortgage who had Federal Oversite of Home Mortgages, they answered they didn't know.

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 2020-07-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: SC

Complaint narrative:
I have a {$2000.00} + on child support I have tried contacting way2 go the go program and XXXX and XXXX can tell me how to contact way2go u sit on the phone for hours and XXXX ever answers and they hand up in your face please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX  XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY address are not mine and accounts SSNs show tooltip button Only variations displayed. Select as many as apply XXXX XXXX they ss that are mine XXXX XXXX XXXX XXXX Account Number XXXX Account Type FHA Mortgage Responsibility Individual Date Opened XX/XX/XXXX Status Foreclosed. {$67000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$320000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$260000.00} Highest Balance {$0.00} Terms 33 Years On Record UntilXXXX XXXX Record Type Chapter XXXX bankruptcy dismissed Date Filed XX/XX/XXXX Date Resolved show tooltip XX/XX/XXXX Responsibility Individual Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX filed ftc 60 days ago

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 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
I like to make extra payments when I can. I made one online and was told they normally charge XXXX for an online payment? My previous mortgage lenders have never done this. I would pay random extra amounts and they would not charge me and they would apply it to the principal only. 

My latest mortgage service Arvest Central Mortgage Company told me that they would charge me for every online extra payment. I can set up bill pay thru my bank but that they would not be able to guarantee that that payment would be applied to the principal only. I pay my mortgage in full every month and have never been late. How can they charge me extra to pay my own mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I opened an online account with SunTrust in the amount of {$75.00} on XX/XX/XXXX XXXX After being processed I was sent an email days later stating I needed to make a deposit which {$50.00} of the {$75.00} was suppose to go to my checking and the other {$25.00} was to fund my savings .I had not received a debit card nor the check when I made the first deposit of $ XXXX.XXXX. A second deposit of {$79.00} was made on the XXXX and a 3rd deposit of {$29.00} was made on the XXXX. 
Thursday morning as I'm checking to see if the 3rd deposit has post, My account has been restricted and it's instructing me to call the 1800 number listed. With no warning, email or call I find out my account is closed. After speaking with several representatives no one could tell me why my account closed.With no access to my funds I'm left waiting for an investigation on my account and no way to get my funds. I make my money by double gig jobs and that was the only money that I have..That money was to fund grocery for my daughters, and pay the balance a {$30.00} remaining balance on my electric bill .... I don't have anyone I can turn to for financial help ... ... this has really inconvenienced me, as I had already taken a major loss with COVID-19.

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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX  XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY address are not mine and accounts SSNs show tooltip button Only variations displayed. Select as many as apply XXXX XXXX they ss that are mine XXXX XXXX XXXX XXXX Account Number XXXX Account Type FHA Mortgage Responsibility Individual Date Opened XX/XX/XXXX Status Foreclosed. {$67000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$320000.00} Balance Updated XX/XX/XXXX Recent PaymenXXXX XXXX XXXX Monthly Payment {$0.00} Original Balance {$260000.00} Highest Balance {$0.00} Terms 33 Years On Record UntilXXXX XXXX Record Type Chapter XXXX bankruptcy dismissed Date Filed XX/XX/XXXX Date Resolved show tooltip XX/XX/XXXX Responsibility Individual Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX filed ftc 60 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX we completed the application with Chase Bank and paid the {$500.00} to XXXX   the mortgage process. The mortgage processor did absolutely nothing for over 2 weeks ; we were originally schedule to close on XX/XX/XXXX ; but since Chase did absolutely nothing for 2 weeks they fell behind and we had to extend the closing to XX/XX/XXXX. they just called me today XX/XX/XXXX and told me that they are requiring the oil tank in the house to be inspected. the cost to inspect an oil tank which includes an ultra sound will result in incurring additional cost. We are planning to exchange the oil tank ( from a 1,000 gallon tank current in the house to the standard 275 gallon tank. Appears that they are just stalling since they wasted over 2 weeks by not processing the application timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX ( shown as XXXX XXXX ( collector for doctor office ) on bankruptcy paperwork - can match Addresses between credit report & bankruptcy rpt - XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ) is reporting to transunion an account in collection status but account was discharged in bankruptcy XX/XX/2019. Account needs to be removed from collections.

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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several items that are reporting inaccurately on my credit file.The following are inaccurate information : Inaccurate Personal Information : Address : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX The following items are reporting inaccurate lates on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$230.00} ; I was never 30, 60, 0r 90 days late. 

XXXX XXXX - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$0.00} ; I was never 30 or 60 days late. 

XXXX XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  & Equifax ) ;  Bal : {$0.00} ; I was never 30 or 60 days late The following Public Record does not belong to me. The following Public record is reporting in error : Chapter XXXX Bankruptcy : File XX/XX/XXXX All of the inquiries that is reporting is reporting as unauthorized inquiries. I don't know who tried to access my credit report without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several items that are reporting inaccurately on my credit file.The following are inaccurate information : Inaccurate Personal Information : Address : XXXX XXXX  XXXX  XXXX Address : XXXX XXXX XXXX The following items are reporting inaccurate lates on the following accounts : XXXX XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$230.00} ; I was never 30, 60, 0r 90 days late. 

XXXX XXXX - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$0.00} ; I was never XXXX or 60 days late. 

XXXX XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$0.00} ; I was never 30 or 60 days late The following Public Record does not belong to me. The following Public record is reporting in error : Chapter XXXX Bankruptcy : File XX/XX/XXXX All of the inquiries that is reporting is reporting as unauthorized inquiries. I don't know who tried to access my credit report without my knowledge.

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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX, Experian and XXXX  have invaded my right to privacy by reporting false, inaccurate and fraudulent information which has directly ruined my reputation as a Consumer as neither credit reporting agency, hereinafter 'CRA ', have adopted reasonable procedures to maintain my confidentiality which is in direct violation of 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). An identity theft report was created with the Federal Trade  Commission on XX/XX/2020 and the above listed CRA 's were each notified between XX/XX/2020 and XX/XX/2020. Two out of five accounts there were reported as fraud have since been removed as of XX/XX/2020 however, the remaining three accounts opened in fraud still remain and are being reported without my consent as a consumer.

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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit report, requested on XXXX, shows a XXXX  XXXX XXXX account opened in XX/XX/XXXXthat does not belong to me and that I am not an authorized user on. I believe this account belongs to my father, as it appears similar to an account I know he has, and it is mistakenly associated with my report. I would like this account removed from all future credit reports of mine.

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