vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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: NV

Complaint narrative:
Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> This CFPB complaint has been filed to request under 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 personal credit card accounts opened at XXXX XXXX XXXXXXXX account number ( XXXX ), XXXX  XXXX account number ( XXXX ), XXXX  XXXX account number ( XXXX ), XXXX  XXXX account number ( XXXX ), XXXX XXXX account number ( XXXX ), XXXX  XXXX XXXX  account number ( XXXX ) XXXX XXXX account number ( XXXX ), XXXX XXXX XXXX XXXX account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX ) XXXX  account number ( XXXX ) XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit 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 a copy of FTC Identity Theft Criminal Complaint # ( 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 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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am beyond frustrated with how this company has consistently mishandled my credit information. Despite my compliance and repeated efforts to address these issues, they continue to report false, outdated, and incorrect information on my credit report. This is not a simple mistake it has been an ongoing problem for years. This companys negligence is enabling others to misuse my information, open unauthorized accounts, and commit fraud, all while directly impacting my financial stability and overall well-being. 

There are multiple addresses, phone numbers, and accounts linked to me that Ive never been associated with, and this pattern of misinformation keeps growing. I initially believed these errors would be corrected or fall off over time, but instead, more inaccuracies are being added. I have gone to great lengths to resolve this issue, including limiting my activity and staying in one location to ensure no further data is compromised. Despite my precautions, this companys failures have caused me immense stress, anxiety, and even XXXX. 

My life has been repeatedly disruptedfrom issues with my car and storage to problems with old apartments. Ive experienced hacking, theft, and attempts to use my identity fraudulently. These incidents keep resurfacing and remind me of the harm caused by this companys inability to verify and secure accurate information. 

I now monitor my credit through four different services due to how paranoid Ive become about these ongoing issues. Each new alert only proves how much this companys negligence is affecting my life. By failing to investigate thoroughly, confirm accurate information, or block unverifiable data, this company has enabled others to exploit my identity and undermine my hard work. 

I demand immediate action. Either perform a proper investigation and resolve these errors, or delete and block this misinformation permanently. Your lack of diligence is not only unprofessional but directly damaging to my life. I have exhausted all reasonable steps, but your companys refusal to act responsibly is pushing me to my breaking point. You have the resources software, personnel, and systems to correct this, so its time to do your job. 

Stil have accounts that were used not by my approval money, my company phone was used and car during a time I was sleeping, vacation or not in town for a family memeber 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 2024-11-16 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: GA

Complaint narrative:
I looked at my report back on insert date, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly update to paid as agreed on the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Update this account to paid as agreed.

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 2024-11-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I looked at my report back on insert date, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly update to paid as agreed on the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Update this account to paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank said they would mail me a letter within 7-10 days explaining why they closed my savings account on XX/XX/2024 but the letter never arrived. I also have not received my funds which is over {$10000.00}. I have been trying to get a hold of them ever since but I am on hold for wait times longer than an hour. They have not been helpful with the situation at all and can not explain to me why they closed my account. They decided to just close my account out of the blue without a warning or alert, and I was unable to access my account and funds ever since.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
What will it take for XXXX XXXX XXXX to XXXX  XXXX  as XXXX  in XXXX informed me that under my social security number you have XXXX of mine there? 

For investigation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE REVIEW BELOW, XXXX XXXX XXXX XXXX  / ID THEFT FAKE - XXXX XXXX XXXX XXXX XXXX XXXX Michigan department Treasury XXXX XXXX XXXX XXXX XXXX Michigan dept of Treasury XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - FAKE PLEASE LOOK INTO TO ADDRESS THE XXXX OF MINE XXXX SAYS YOU HAVE THERE UNDER MY SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: MI

Complaint narrative:
What will it take for XXXX XXXX XXXX to XXXX XXXX as XXXX  in XXXX informed me that under my social security number you have XXXX of mine there? 

For investigation, XXXX XXXX XXXX XXXXXXXX XXXX title - XXXX PLEASE REVIEW BELOW, XXXX XXXX XXXX XXXX. / ID THEFT FAKE - XXXX FAKE - XXXX XXXX XXXX Michigan department Treasury XXXX XXXX XXXX XXXX XXXX Michigan dept of Treasury XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - FAKE PLEASE LOOK INTO TO ADDRESS THE XXXX OF MINE XXXX SAYS YOU HAVE THERE UNDER MY SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
What will it take for XXXX XXXX XXXX to XXXX XXXX as XXXX  in XXXX informed me that under my social security number you have XXXX of mine there? 

For investigation, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX PLEASE REVIEW BELOW, XXXX XXXX XXXX XXXXXXXX. / ID THEFT FAKE - XXXX FAKE - XXXX XXXX XXXX Michigan department Treasury XXXX XXXX XXXX XXXX XXXX Michigan dept of Treasury XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - FAKE PLEASE LOOK INTO TO ADDRESS THE XXXX OF MINE XXXX SAYS YOU HAVE THERE UNDER MY SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Credit Karma, LLC
State: CO

Complaint narrative:
So credit karma closed my savings and checking account I had XXXX in my savings account which they said was transferred to an external bank account but they don't want to give me that info even after verification of my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$23000.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1100.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX ONEMAIN XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX account ] I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. I made all the payments and this account is on my us visa but they put my account on my credit score and decresed my points and they also closed my account after receiving the payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I called to close my Indigo credit card account in XXXX of XXXX. I had previously had a balance on this card and had paid it off and closed the card due to the high annual fees they charged. The agreed to close this account in XX/XX/XXXX prior to the annual fee being assessed in XXXX of XXXX. I just got a statement in the mail this month for {$5.00} for a monthly fee and called the company who informed me that the account was still active. I logged into the website and noticed they had charged me both the XXXX annual fee and XXXX annual fee plus random sporadic monthly fees. The card was on autopay so the payments were being made and I did not notice. The card has not been used since the time I requested the original closure. The company agreed to give me one annual fee and monthly fee back and told me they could not refund the others. This seems like fraud on part of the company as I requested the account be closed in XXXX of XXXX and the cancellation was never processed by their agents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the inclusion of unauthorized accounts on my credit report. I am a victim of a data breach that resulted in the compromise of my personal information, and I did not authorize these accounts. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : 1. XXXX XXXXXXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXXXXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$710.00}

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 2024-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: PayTomorrow, LLC
State: FL

Complaint narrative:
What Happened : On XX/XX/year>, I discovered that Pay Tomorrow Finance is reporting a late payment for the month of XX/XX/year> across all three major credit bureaus ( XXXX, XXXX, and XXXX ). This is despite my account with Pay Tomorrow Finance being fully paid off since XX/XX/year>. 

I contacted Pay Tomorrow Finance on XX/XX/year>, and spoke with an agent named XXXX at XXXXXXXX XXXX XXXX  During this call, XXXX confirmed that my account has a zero balance and expressed uncertainty about why the company is reporting my account as delinquent. She also stated she would send me an email regarding the issue. While I received her email, it lacked a reference number and did not address the erroneous reporting. 

This false information has caused significant harm to my credit score, which has dropped substantially due to XXXX XXXX Finances inaccurate reporting. Despite having no outstanding balance, the company continues to report a late payment, which is a violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ). 

Amounts Involved : My account balance was {$0.00} as of XX/XX/year>. 
The reported late payment for XX/XX/year> is inaccurate and unjustified. 
My credit score has dropped by [ state approximate number of points, if known ] as a result of this false reporting. 

Actions Taken : XXXX. I called XXXX XXXX XXXX on XX/XX/year>, to dispute the inaccurate reporting. 
XXXX. I requested immediate correction of the error, but no corrective action has been taken so far. 
XXXX. I have also sent a formal demand letter to Pay Tomorrow Finance requesting correction and compensation for damages caused by their actions.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I am writing this complaint against Equifax Inc. Credit bureau . I have been dealing with them to unfreeze my credit report since late XXXX. I have attempted many times to prove my identity through mail with a copy of my valid drivers license, social Security card, and a written statement, and I have also used their document verification links with no success. I dont remember the date I first faxed my information to them to prove my identity nor the second time I have mailed them but the dates I have mailed them through certified mail with the united states postal service are XX/XX/XXXX and XX/XX/XXXX. The dates for their document verification links for identity verification is XX/XX/XXXX and XX/XX/XXXX. I have called numerous amounts of times with no success and was even hung up on before. Thank you for reviewing my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a new debt card for my account. The card number must have been stolen before it even got to me. 

A fraudster made three transactions at walmart.com for {$25.00} each, or {$76.00} in total. I disputed the charges. I was reimbursed {$60.00} in total between XXXX and Truist. 

{$16.00} of the fraud amount has not been reimbursed. My request for a further dispute has been denied.

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 2024-11-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

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