vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TRANSUNION LLC, has now committed multiple counts of willful and deliberate non-compliance of the FCRA causing financial injury, harm, and damage, in addition to defamation of the character and reputation of the consumer. 

TRANSUNION LLC, a financial institution and credit reporting agency operating in commerce for profit by assuming the role of assembling, evaluating, investigating, and accurately reporting consumer credit, which includes personal identifying information, has breached its fiduciary obligation and duty to comply with the FCRA by failing to remove Bankruptcy information after notice and instruction from the consumer to cease all furnishing of personal identifying information. This unauthorized use of my personal identifying information constitutes " Identity Theft '' pursuant to 12 CFR 1022.3 ( h ). 

A " Notice of Identity Theft '' with all required documentation pursuant to the Fair Credit Reporting Act section 15 USC 1681c-2 was delivered to TRANSUNION LLC XXXX XX/XX/2022 @ XXXX by way of XXXX XXXX XXXX Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX thus requiring the referenced information to be removed or blocked no later than 4 days after delivery. This notice included both an " Identity Theft Complaint and Affidavit '' and a " Law Enforcement Report '' ( FTC Report Number : XXXX ) as required by Law. 

TRANSUNION LLC, has obtained possession of my personal identifying information from its subsidiary company " XXXX XXXX XXXX XXXX '', and is currently furnishming information without specific written instruction, consent, authorization, or permissible purpose, violating the consumers unalienable right to privacy in violation of 15 USC 1681b ( a ) ( 2 ) and 15 USC 1681 ( a ) ( 4 ).

TRANSUNION LLC shall now be held civilly liabile with the consumer demanding monetary compensation for the following acts of non-compliance : 1. ) FCRA 15 USC 1681c-2 - Failure to Remove Information Resulting from Identity Theft 2. ) FCRA 15 USC 1681b ( a ) ( 2 ) - Failure to Meet requirements of Permissible Purpose 3. ) FCRA 15 USC 1681 ( a ) ( 1 ) - Failure to Report Accurately and Fairly 4. ) FCRA 15 USC 1681 ( a ) ( 4 ) Failure to Respect the Consumers Right to Privacy 5. ) FCRA 15 USC 1681c ( a ) - Failure to Exclude Bankruptcy Information From Report 6. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) Reporting Information Factually Inaccurate 7. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( i ) Reporting Information After Notice of Inaccuracy 8. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information With Knowledge of Errors

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/XXXX I recently reviewd my credit profile and was under the impression that i had inaccurate items or reports on my credit profile under my name and personal information. I gave oral and written instructions to these credit reporting agencies at least one already. I have been ignored, displaced and adverse action taken against me for these inaccuracies. Below I found hard inquries I do not recall nor have permisable purpose to be on this profile attatched to my me or my information. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THESE INQUIRES FROM MY PROFILE TRANSUNION ARE FURNISHING WITHOUT PERMISABLE PURPOSE.

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
on XXXX and XXXX ive sent letters to the XXXX, transunion and XXXX about this fraudulent identity theft account ( XXXX XXXX, Account Number : XXXX. ) they have on my report. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt of my last letter and XXXX, transunion and XXXX failed to do anything thats against the law its been more than 45 days It has been well over 45 days since my last letter on XXXX. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could send in a fraudulent account. In my last letter I asked to see a contract with my signature as proof and they have not sent me any proof that this XXXX XXXX, Account Number : XXXX belongs to me. 

under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, transunion and XXXX any written consent to report anything on my consumer reports no consent is FRAUD. XXXX, transunion and XXXX are violating my rights and committing fraud Also this XXXX XXXX  account is a charge off with a balance of {$840.00}. A charge off means XXXX XXXX has written it off already has been paid. It is inaccurate for there to be a past due balance if it is a charge off. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason you must delete. 
Also I respectfully Contacted XXXX XXXX and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously.

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
on XXXX and XXXX ive sent letters to the XXXX XXXX and equifax about this fraudulent identity theft account ( XXXX XXXX Account Number : XXXX. ) they have on my report. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt of my last letter and XXXX, XXXX and equifax failed to do anything thats against the law its been more than 45 days It has been well over 45 days since my last letter on XXXX. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could send in a fraudulent account. In my last letter I asked to see a contract with my signature as proof and they have not sent me any proof that this XXXX XXXX, Account Number : XXXX belongs to me. 

under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, XXXX and equifax any written consent to report anything on my consumer reports no consent is FRAUD. XXXX, XXXX and equifax are violating my rights and committing fraud Also this XXXX XXXX account is a charge off with a balance of {$840.00}. A charge off means XXXX XXXX  has written it off already has been paid. It is inaccurate for there to be a past due balance if it is a charge off. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason you must delete. 
Also I respectfully Contacted XXXX XXXX  and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
My bank allowed XXXX XXXX to charge my card with a different debit card # which was different from my debit card. I switched my debit card off their app and was charged my previous card. I filed a dispute against it, but my banking app chose to side with the company for some weird reason when they said a different last 4 digits on my debit card from my current debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I noticed a new company on my credit report Im pretty new to the credit world so I didnt pay it any mind, On XX/XX/XXXX I no longer saw the account so I thought it was taken off but I noticed it had been closed that same day. I knew I never opened up a credit card I immediately knew someone used my social to open one and this whole thing was fraud, when I called to report the credit card account, nothing was done, I tried to dispute the credit card account and even went as far as freezing my accounts and reporting fraud but still nothing was done, None of the credit bureaus took my concerns seriously. It is now XX/XX/XXXX and I still have a credit card account that was open in fraud on my account my address isnt been correct because I moved so this had to be done by someone who thought I lived at the same address

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are two bankruptcy public records on my credit report that are incorrect. My name is misspelled on my credit report. My legal name is XXXX XXXX XXXX but the apostrophes arent listed on my credit report. Also, the bankruptcies were submitted without the apostrophes in my first and last name which is inaccurate. I want these two public records removed immediately.

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 2022-10-31 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: IN

Complaint narrative:
My wife Died XX/XX/21 she had a XXXX XXXX  card after she Died XXXX was sending a Bill every month for Less than {$20.00} Dollars. Didnt think I was responsible for it was in my wifes name. Found out later that I was on it as a user found out my Daughter was on there as a user also. She received a bill on it. So we paid it. Closed Account. So dont think I should be punished for {$20.00} and thats the on late charge that I know of in my XXXX years of being alive. I have a couple of homes paid for and the only credit I have is a new car payment. Trying to get a XXXX mortgage with a low interest rate which isnt very low.and thats on 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 2022-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
Harris and Harris company repeatedly leaves a recorded message on my work number regarding an outstanding debt. When I call ( at least three times now ) them they say they are trying to collect a debt from XXXX XXXX XXXX. My full name is XXXX XXXX XXXX. The debt is not mine. I've told them that I'm not the person they are trying to collect from. Each time they say they will correct the situation and that I won't receive any more calls. Yet, they continue to call. The number they leave for me to contact them is ( XXXX ) XXXX. 
Thank you. 

P.S. I didn't want to include my address but it wouldn't allow me to proceed without providing it. Please don't share my address with any other parties, especially Harris and Harris.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank underwent a system upgrade which rendered its online site unusable for over XXXX months. I made a credit card payment through my bank 's online payment system. XXXX rejected the payment for unknown reasons, yet still charged me interest on the balance and a late fee. A phone XXXX helped me make the payment after that. XXXX removed the late fees, but have charged me around {$80.00} in interest after I made my payment on time but it was recorded as late because they rejected it. 

Emails to XXXX get canned responses saying the fees were calculated correctly. XXXX XXXX is there should be no late fees at all since I made a good faith effort to pay my balance in full before finance charges would be assessed, but a problem with their system prevented the payment from going through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have put 2 disputes in with experien, XXXX for a cable bill from XXXX years ago with XXXX and one with XXXX for a XXXX  that was surrendered, then sold and debt was paid but still showing that I owe XXXX dollars. Experian disputed XXXX totally different accounts that I have currently in good standing! 
Now my XXXX  company is XXXX did 2 disputes on the wrong companies! 
So now what do I do???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently received a credit alert on my XXXX and XXXX credit accounts on XX/XX/2022. My credit report show shows inquiries by Capital One I do not recall authorizing Capital One to use my social security number for no business in reference to obtaining credit cards. I applied under my business

EIN # not my social as a matter of fact. I was applying for a business card which on the form states EIN or Social. This misleading, deceptive and Unfair Advertising to the consumer. I had an option to use either my social or EIN. I choose to use my EIN because my business credit is strong. If you find that I am remiss, and you did have authorization to inquire and use my ( social security number ) please send me proof of this. I use my EIN number because it was an option on the Capital One we
bsite and if its not an option then Capital One is committing fraud under subpart 1603.70 Misleading, Deceptive UnFair Advertising.

Subpart 1603.70Misleading, Deceptive, or Unfair Advertising This bill restricts online advertising that targets an individual, internet-connected device, or group of individuals or devices based on personal information. Personal information includes information that is reasonably linkable to an individual or connected device such as internet browsing history or the content of communications.1603.7001 Policy. ( b ) OPM discourages advertising that is misleading or deceptive. This in-cludes advertising that is directed at other carriers plans participating in the Program and which uses incomplete or inappropriate comparisons or disparaging or minimizing techniques.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On Thursday, XX/XX/2022, we notified Bank of America ( by phone ) that we noticed several fraudulent charges on our Checking Account ( ending XXXX ) totaling {$5800.00} ( 7 individual transactions ). We have called everyday since ( 5 separate times ) with no resolution, no credits. Each time we call they have no record of our previous call. Today ( XX/XX/2022 ) that they will investigate over the next 10 days and get back to us. They will not give us any credits until the investigation is over.

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are two bankruptcy public records on my credit report that are incorrect. My name is misspelled on my credit report. My legal name is XXXX XXXX XXXX but the apostrophes arent listed on my credit report. Also, the bankruptcies were submitted without the apostrophes in my first and last name which is inaccurate. I want these two public records removed immediately.

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