vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXXXXXX, Number : 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 2024-12-18 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: NY

Complaint narrative:
I am requesting an investigation into these accounts, as there seems to be a misunderstanding regarding their accuracy on my credit report. These accounts were previously removed but have since been re-added without my knowledge. I did not receive any notification of their reinstatement, nor have I been contacted by mail regarding this matter.

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 2024-12-18 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: WI

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I am requesting that certain inquiries be blocked and deleted from my credit report under the provisions of 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). These inquiries are the result of unauthorized activity and should not appear on my credit report. 
The following inquiry should be blocked and deleted : Inquiries : XXXX. XXXX XXXX XXXX o Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has frozen all funds due to alleged suspicious activity. There are no illegal transactions being performed. They refuse to release my funds although they have decided to close my account and deny all access to the account via online banking, atm, etc. It is XXXX and I am not able to do anything for my children as they have claimed to not be releasing my funds until after XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: IA

Complaint narrative:
I am writing to formally notify you that I have been a victim of a data breach, resulting in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the accounts and inquiries listed below. These accounts and inquiries are fraudulent, and I did not authorize them. 
Fraudulent Accounts : XXXX XXXXXXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$620.00}. 
XXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$00.00}. 
XXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$00.00}. 
Fraudulent Inquiries : XXXX XXXX : Inquiry dated 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 2024-12-18 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: MD

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

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 2024-12-18 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-12-18 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 explanation
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Background : On XX/XX/year>, Chase Bank began holding funds in my account due to a need for verification of the makers of certain checks deposited into the account in the amount of {$53000.00}. Despite my efforts, the verification process has been only partially successful. 

Chase Bank closed the account in XX/XX/year>. 

Verification Status : Out of 12 check makers, I successfully verified 10 ( approximately 83 % ).

However, two check makers remain unverified for the following reasons : One check maker has moved out of the United States, and I have been unable to locate them. 

The other check maker is currently in a XXXX XXXX  and unable to complete the verification process. Chase Bank has stated that they can not accept information or contact numbers outside of what is already in their system. 

Chase Banks Position : Chase has indicated that, unless all check makers are verified, the funds will not be released. 

Alternatively, they have stated that after approximately two years, the unclaimed funds will be transferred to the states unclaimed property division, and I will need to reclaim them through the state. 
Efforts to Resolve the Issue : I have made significant efforts to verify the remaining two check makers, including attempts to contact them through various channels. However, due to their current circumstances, these attempts have been unsuccessful. 

I have documented the verification of the other 10 check makers and can provide this documentation upon request. 

Request for Legal Assistance : I am requesting your guidance on how to proceed with Chase Bank to resolve this matter without further delay. 

Specifically, I would like to explore whether there are legal grounds to challenge Chases refusal to release the funds, given that a significant majority of the check makers have been verified and reasonable efforts have been made to verify the remaining two. 

Additionally, I seek advice on the process of reclaiming the funds if they are transferred to the state and whether Chase Banks actions are compliant with applicable laws. 

Please let me know what documentation or information you require to assist in this matter. I am happy to provide all relevant records, including correspondence with Chase Bank, proof of verification efforts, and any other supporting materials. 

Thank you for your time and attention to this matter. I look forward to your advice on the best course of action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: MD

Complaint narrative:
Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a collections account opened on XX/XX/XXXX with XXXX XXXX XXXX under the account number XXXX, a personal credit card account with XXXX XXXX opened on XX/XX/XXXX under the account XXXX, and a credit account with XXXX XXXX on XX/XX/XXXX under the account number 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 as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: NY

Complaint narrative:
I TOOK THE LOAN FROM THE CREDIT UNION IN XXXX  OVER XXXX AGO AND THEY AUTOMATIC ADD REPAYMENT INSURANCE ON IT SO WHEN I STARTED PAYING THE LOAN I FELL SICK AND CAN NOT GOING TO WORK SO MY INCOME STOPS AND I CONTACT THEM ABOUT THE SITUATION AND I WANT THE INSURANCE TO CONTINUE THE PAYMENT AND THE COMPANY SAID THE INSURANCE CAN NOT PAY AND I TOLD THEM THE PURPOSE OF THIS INSURANCE IS WHEN THINGS LIKE THESE HAPPENING THEN IT TOOK OVER AND THEY SAID NO SO I CALLED THE INSURANCE COMPANY ABOUT IT AND THEY MADE XXXX WAYS CALL BETWEEN ME AND CREDIT UNION AND THE INSURANCE COMPANY SAID I AM RIGHT SO THE CREDIT UNION SHOULD LEAVE ME ALONE AND CONTINUE WHERE I STOP AND WE ALL AGREE SO XXXX LATER THE CREDIT UNION CALL ME AND SAID THEY ARE GOING TO REFUND ALL THE PAYMENT I MADE FOR THE INSURANCE COVERAGE AND REPORT ME TO THE CREDIT BERAU WHICH THEY DID AND I TRY TO DISPUTE IT AND IT ALWAYS COME BACK AND IS STILL SITTING ON MY PROFILE FOR ALL THE CREDIT REPORT AGENCY LIKE XXXX XXXX EQUIFAX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NY

Complaint narrative:
I TOOK THE LOAN FROM THE CREDIT UNION IN XXXX  OVER 9YRS AGO AND THEY AUTOMATIC ADD REPAYMENT INSURANCE ON IT SO WHEN I STARTED PAYING THE LOAN I FELL SICK AND CAN NOT GOING TO WORK SO MY INCOME STOPS AND I CONTACT THEM ABOUT THE SITUATION AND I WANT THE INSURANCE TO CONTINUE THE PAYMENT AND THE COMPANY SAID THE INSURANCE CAN NOT PAY AND I TOLD THEM THE PURPOSE OF THIS INSURANCE IS WHEN THINGS LIKE THESE HAPPENING THEN IT TOOK OVER AND THEY SAID NO SO I CALLED THE INSURANCE COMPANY ABOUT IT AND THEY MADE THREE WAYS CALL BETWEEN ME AND CREDIT UNION AND THE INSURANCE COMPANY SAID I AM RIGHT SO THE CREDIT UNION SHOULD LEAVE ME ALONE AND CONTINUE WHERE I STOP AND WE ALL AGREE SO 3DAYS LATER THE CREDIT UNION CALL ME AND SAID THEY ARE GOING TO REFUND ALL THE PAYMENT I MADE FOR THE INSURANCE COVERAGE AND REPORT ME TO THE CREDIT BERAU WHICH THEY DID AND I TRY TO DISPUTE IT AND IT ALWAYS COME BACK AND IS STILL SITTING ON MY PROFILE FOR ALL THE CREDIT REPORT AGENCY LIKE 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 explanation
Consumer complaint received 2024-12-18 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: NY

Complaint narrative:
I TOOK THE LOAN FROM THE CREDIT UNION IN XXXX  OVER 9YRS AGO AND THEY AUTOMATIC ADD REPAYMENT INSURANCE ON IT SO WHEN I STARTED PAYING THE LOAN I FELL SICK AND CAN NOT GOING TO WORK SO MY INCOME STOPS AND I CONTACT THEM ABOUT THE SITUATION AND I WANT THE INSURANCE TO CONTINUE THE PAYMENT AND THE COMPANY SAID THE INSURANCE CAN NOT PAY AND I TOLD THEM THE PURPOSE OF THIS INSURANCE IS WHEN THINGS LIKE THESE HAPPENING THEN IT TOOK OVER AND THEY SAID NO SO I CALLED THE INSURANCE COMPANY ABOUT IT AND THEY MADE THREE WAYS CALL BETWEEN ME AND CREDIT UNION AND THE INSURANCE COMPANY SAID I AM RIGHT SO THE CREDIT UNION SHOULD LEAVE ME ALONE AND CONTINUE WHERE I STOP AND WE ALL AGREE SO 3DAYS LATER THE CREDIT UNION CALL ME AND SAID THEY ARE GOING TO REFUND ALL THE PAYMENT I MADE FOR THE INSURANCE COVERAGE AND REPORT ME TO THE CREDIT BERAU WHICH THEY DID AND I TRY TO DISPUTE IT AND IT ALWAYS COME BACK AND IS STILL SITTING ON MY PROFILE FOR ALL THE CREDIT REPORT AGENCY LIKE EXPERIAN 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 explanation
Consumer complaint received 2024-12-18 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: WI

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I am requesting that certain inquiries be blocked and deleted from my credit report under the provisions of 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). These inquiries are the result of unauthorized activity and should not appear on my credit report. 
The following inquiry should be blocked and deleted : Inquiries : XXXX. XXXX XXXX XXXX o Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: WI

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I am requesting that certain inquiries be blocked and deleted from my credit report under the provisions of 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). These inquiries are the result of unauthorized activity and should not appear on my credit report. 
The following inquiry should be blocked and deleted : Inquiries : XXXX. XXXX XXXX XXXXXXXX XXXX Date : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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 wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief