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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report I found that there are 2 fraudulent accounts on my credit as well of a great deal of inquiries, as I am of identity theft. Per my consumer law right when providing documents such as identitytheft.gov or police reports fraudulent accounts are to be removed these while you finish your investigation. You will find my supporting documents attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report I found that there are 2 fraudulent accounts on my credit as well of a great deal of inquiries, as I am of identity theft. Per my consumer law right when providing documents such as identitytheft.gov or police reports fraudulent accounts are to be removed these while you finish your investigation. You will find my supporting documents attached. 

XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My TransUnion credit report is locked. XXXX reports a total of XXXX hard inquiries for my TransUnion account from XXXX unknown-to-me entities ( XXXX XXXX  and XXXX XXXX. ) My credit score is lower and these 3 hard inquiries are listed on XXXX as " what's changed '' in addition to some credit card balance changes. 

The credit report lock is supposed to prevent fraudsters from being able to steal my identity and obtain credit in my name. The fact that TransUnion can not fulfill their obligation to lock my credit properly indicates they should be subject to severe penalties including significant fines. 

TransUnion suggests the XXXX XXXX would still permit " Creditors, lenders ( when you apply for a loan ), landlords and employers can request and view your credit report. '' These inquiries were made by none of those : XXXX XXXX  XXXX XXXX ( twice in the same period - 2 separate inquiries - Between XX/XX/year>2024 and XX/XX/year>2024 2024

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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Hello. This is not sent in error. I am a consumer and information furnished to your agency regarding my credit history was provided without my written consent. This violates my rights as a federally protected consumer. 

XXXXXXXX XXXX XXXXXXXX XXXX I have reviewed my credit report and found no evidence that I have authorized the furnishing of my personal information to your agency. I have never provided written consent for any creditor or other entity to report information about me to your agency.

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 collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
RESURGENT/LVNV FUNDING put a collection of {$1700.00} on my account without contacting me. they claimed to send email to me and I did not receive any email. the collection amount and information reported on my credit report is inaccurate and it has affected my credit and ability to scale forward financially. I am requesting you to please compel RESURGENT/LVNV FUNDING to remove a collection of {$1700.00} from my account based on the following reasons : 1. I was not notified of this account before reporting it as as collection on my credit report. 2. I was not aware of this debt from any original creditor. 3. Every attempt to call them to settle this has not been fruitful. 4. I was not giving the opportunity to dispute this debts.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX Balance : {$130.00}

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 non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX Balance : {$130.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
There has been a data breach on a company who was preparing to fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: American Coradius International LLC
State: TX

Complaint narrative:
XXXX locked/frozen my account. I had to call them and they, in turn, told me I had an outstanding debt and had to resolve it with a collections agency called XXXX XXXX. XXXX XXXX  phone number doesn't work and I can not login to their website. 

XXXX XXXX  number is XXXX It says I can pay online but then requires a reference number which i do not have and never received. They say to go to acibillpay.com. I can not access this site either. 

The amount is XXXX ( i am not even sure what it is for ). 

Please help. I have never heard of XXXX XXXX. I just want my XXXX  account restored.

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: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been trying to execute a Freeze on my TransUnion credit report but TransUnion keeps blocking me from their credit report portal i have tried multiple times even phone calls and emails. But nothing is working. I dont understand how inaccurate information can be validated in my report but for TransUnion to not validate my actual information is illegal. TransUnion is causing harm to my credit report and myself by their acts in violation of FCRA XXXX, XXXX XXXX, XXXX ( a ) ( XXXX ) XXXX XXXX XXXX ( a ) ( XXXX ) and Regulation F of FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : ** Complaint Regarding Credit Bureau Non-Compliance with FCRA XXXX XXXX XXXX  Dear CFPB, I am a victim of XXXX XXXX, also known as " false imprisonment. '' Under the Fair Credit Reporting Act ( FCRA ), specifically [ 15 U.S.C. 1681c-2 ( a ) ], credit reporting agencies are required to block negative information on a credit report resulting from human trafficking upon receipt of appropriate documentation. 

I provided the credit bureaus with all necessary documentation, including proof of my status as a trafficking victim, and requested that the negative items related to this situation be blocked from my credit report. Despite my submission, the credit bureaus negligently failed to comply with their legal obligation to block the disputed items. 

This failure to act has caused ongoing harm and is a direct violation of the FCRA. I am requesting that the CFPB take action to hold the credit bureaus accountable for this negligence and ensure they fulfill their legal duty to protect victims of human trafficking. 

Thank you for your assistance in resolving this matter. 

Sincerely, 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My information was exposed in data breach and listed on dark web including social security numbers and all personal information.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. Please see attachments for police report case number, ID for identification verification, and copy of credit card bank statement for additional identification verification.

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 status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. Please see attachments for police report case number, ID for identification verification, and copy of credit card bank statement for additional identification verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XXXX of XXXX I noticed that I had a balance of XXXX $ in credit builder account but I couldn't get it my credit builder said I had XXXX XXXX  but I had XXXX in my secured set aside, I called chime let them know the situation he talked me into sending XXXX $ to my credit builder from my balance to pay my bill but my credit builder bill was paid already he insisted I'll get it back on my checking I didn't he informed me it got lost and for me to receive my balance from credit builder to my checking that I needed to close my credit builder account he said that was the only way so after he closed my credit builder account he said wait 24 to 48 hours the balance will pop up on checking account the balance from credit builder, then the representative said he checked with his boss and was able to get me a XXXX $ spot me for my inconvenience while I waited for my balance to reflect on my checking account, I waiting called back XXXX of XXXX now another representative told me what the other representative told me was a lie, I had to wait 30 days for my balance to come in a paper check mailed to me and if I would have left my credit builder account open they could have transferred my XXXX balance to my checking account, I informed the representative that a chime representative insisted that I had to close my credit builder account in order for me balance to be transferred, I informed this member of chime that I can't afford to wait 30 days for a check to be mailed I'm on a month to month income and can't pay for meds, she informed me that a supervisor has the authority to add my balance from credit builder to checking and she's going to forward information exculste the information to supervisor and I shouldn't have a problem. I WAS MISLEAD THROUGH OUT THIS WHOLE SITUATION THEY HAVE DECEIVED ME I FEEL LIKE IT WAS A CALCULATING DISRUPTIVE, AND MISLEADING TERM OF EVENTS INTENTIONALLY MENT TO HARM AND ANTAGONIZE ME. I WANT MY BALANCE OF XXXX $ IN MY CHECKING ACCOUNT AND I WANT TO SEE IF I CAN GET A CLASS ACTION SUIT GOING IT'S THE XXXX AND HAVEN'T HEARD ANYTHING BUT LIES. ALL CONVERSATION 'S WAS RECORDED AND TEXT THROUGH CHAT

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: SC

Complaint narrative:
I am challenging several instances of inaccurate and potentially unlawful activity related to my credit report. These include debts reported under false pretenses, unauthorized hard inquiries, and incorrect personal information. Each issue violates provisions of the Fair Credit Reporting Act ( FCRA ) or other U.S. laws that safeguard my consumer rights.

For debts, I am invoking 15 U.S. Code 1692g, which requires debt validation, and I am demanding specific documentation proving the validity of the debts in question, such as contracts or applications bearing my signature. I cite precedent cases like XXXX XXXX Trans Union Corp. to highlight the legal liability for willful non-compliance.

For unauthorized hard inquiries, I reference 15 U.S.C. 1681b ( a ) ( 2 ), which mandates a permissible purpose for accessing consumer reports. I demand these inquiries be deleted unless proven legitimate. 

In regard to the incorrect addresses listed on my report, I am asserting my right under 15 U.S.C. 1681i to dispute and correct inaccuracies, holding the credit bureau accountable for ensuring the highest standards of accuracy, as established in XXXXXXXX XXXX XXXX XXXX and XXXX XXXX Trans Union XXXX. 

I am demanding a thorough investigation and immediate correction of these issues. Additionally, I am prepared to escalate the matter to regulatory bodies or pursue legal action under 15 U.S.C. 1681n and 1681o if the situation is not resolved promptly and satisfactorily.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contesting two accounts on my credit report that I do not recognize and think might be the outcome of identity theft, illegal behavior, or erroneous reporting. The first is a {$2700.00} XXXX XXXX account classified as " potentially negative. '' The second is a {$2200.00} collection account set up by XXXX XXXX XXXX XXXX XXXX XXXX never approved these accounts ; they are not mine. 

I will be sending a report I filed with the Federal Trade Commission ( FTC ), which details this conflict. I am claiming my rights as a victim of possible identity theft under the Fair Credit Reporting Act ( FCRA ), more especially 15 U.S.C. Section 605B. Following receipt of this dispute and my supporting paperwork, I am asking that these accounts be stopped or deleted from my credit file within the required 4-day period.

Furthermore, under 15 U.S.C. 604 the credit reporting companies have obligations to guarantee that just verified and correct information is recorded. I want an instant look at and validation of these accounts. These accounts have to be permanently removed off my credit report if the furnishers of this information neglect to produce official evidence of my authorization or a current assignment of the obligation. 

I want all three credit reporting companiesEquifax, XXXX, and XXXX act immediately to get these accounts taken off of my file. I want complete FCRA compliance. Ignoring may lead to legal action to uphold my rights and pursue statutory damages.

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: TX

Complaint narrative:
I am contesting two accounts on my credit report that I do not recognize and think might be the outcome of identity theft, illegal behavior, or erroneous reporting. The first is a {$2700.00} XXXX XXXX account classified as " potentially negative. '' The second is a {$2200.00} collection account set up by XXXX XXXX XXXX XXXX XXXX XXXX never approved these accounts ; they are not mine. 

I will be sending a report I filed with the Federal Trade Commission ( FTC ), which details this conflict. I am claiming my rights as a victim of possible identity theft under the Fair Credit Reporting Act ( FCRA ), more especially 15 U.S.C. Section 605B. Following receipt of this dispute and my supporting paperwork, I am asking that these accounts be stopped or deleted from my credit file within the required 4-day period.

Furthermore, under 15 U.S.C. 604 the credit reporting companies have obligations to guarantee that just verified and correct information is recorded. I want an instant look at and validation of these accounts. These accounts have to be permanently removed off my credit report if the furnishers of this information neglect to produce official evidence of my authorization or a current assignment of the obligation. 

I want all three credit reporting companiesEquifax, XXXX, and XXXX act immediately to get these accounts taken off of my file. I want complete FCRA compliance. Ignoring may lead to legal action to uphold my rights and pursue statutory damages.

Company response to consumer: Closed with non-monetary relief