vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: Ability Recovery Services, LLC
State: SC

Complaint narrative:
This is my second complaint regarding a fraudulent debt being reported and pursued by Ability Recovery Services , LLC ( ARS ) ( Complaint ID : XXXX ). This debt is the result of identity theft, and I am not responsible for it. 

I have taken the following steps to resolve this matter : XXXX. Provided ARS with my FTC Identity Theft Report ( Report Number : XXXX ) and supporting documentation proving that this debt is fraudulent. 
2. Sent a formal cease and desist letter, demanding the cessation of all collection activities and requesting proper debt validation, as required under the Fair Debt Collection Practices Act ( FDCPA ).

3. Notified ARS that the debt must be removed from my credit report because it is not valid.

Despite these efforts, ARS continues to pursue collection and has failed to provide adequate validation of this debt. Additionally, ARS has placed the debt in a disputed/cease and desist status but has not acknowledged the fraudulent nature of the account or taken the necessary steps to resolve the issue.

Details of the Debt : Debt Collector : Ability Recovery Services , LLC ( ARS ) Type of Debt : Medical debt Account Number : XXXX Supporting Documentation Attached : FTC Identity Theft Report ( Report 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 explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
My credit report has been affected and affects me from being approved for future lending from othe lenders as a result. State Employees Credit Union is saying that I have late more than 60 days on my mortgage. Which my score has dropped XXXX points. I applied for a payment extension on XX/XX/year> due to medical reasons I was out of work. My last day worked before having an operation was XX/XX/year>. I provided them with the required medical documentation. State Employees purposely took more than 30 days to process my request making it late. For this to be resolved I am requesting that the last payments be removed from my credit report from XXXX until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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 writing to formally request the blocking and deletion of fraudulent accounts and inquiries associated with my credit file as allowed under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-30 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Inquires on my credit report that should not be theres I dont apply for credit cards I ask for this information to be updated and removed its still there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Inquires on my credit report that should not be theres I dont apply for credit cards I ask for this information to be updated and removed its still there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XXXX of XXXX I started to notice transaction fees and cash advance interest charges on my Chase Visa Credit Card account statements. Ive never used my card for cash advances, but apparently when credit card transactions are processed on XXXX, they are processed as cash advances which carry {$10.00} transaction fees per transaction and begin to immediately accrue interest. The transaction is not presented to consumers by XXXX or Chase, it looked like a normal transaction. This is deceptive in nature, if Im going to be incurring high interest rates and transaction fees, it should be clear to the consumer, which this was certainly not. I am also upset that the limit available to me for cash advances was increased without my permission, only making room for the catastrophe to get worse. This entire process feels like a scam, you can see by looking at my credit history that I dont use the card for cash advances and never would have authorized the transaction if I knew it would incur fees and interest. I asked them to have a fraud investigator represent me in research the fraud Chase and XXXX are committing and was declined to be transferred to a fraud specialist that could perform the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
On XX/XX/2024 I receive first communication through email from XXXXXXXX XXXX XXXX  There are over 8 violations according to the FDCPA. The Original creditor hasn't notified me of anything regarding XXXX XXXX. I have not been given a 30 day debt validation notice through the mail, I need to see the chain of title because companies are hacked everyday, I didn't get a 1099 for my tax records, where is the account statement from the original creditor stating last payment date and amount, I also don't live in the state Michigan and I have no real evidence this exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 An Educational loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, A personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an authorized credit card opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, An Educational loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collection opened at 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe 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 # ( private case number ) 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 explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase banks Are back dating fees on Wed XX/XX/year> I had 2 deposit one for XXXX and one for XXXX now from the last complaint the fee with over draft were XXXX when the deposit of XXXX went in the was not additional XXXX fee yet after the money was placed in the account then here come another XXXX fee no additional money was taking this left my account at XXXX the I moved that money and minutes later I received a additional deposit for XXXX this is when they back dated a overdraft fee charges to the XXXX of XXXX yet look at the screenshot and you will see if that was there it would have been taken out of the XXXX yet that's not the case I called them and asked them to fix it they put it in then took it out again now I had a another deposit on Wednesday and it's Saturday and still no funds available yet for the amount of my deposit that is what the account reflexes know that they only allow XXXX only to be overdraft on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I have had a Coinbase account since XXXX 

Recently, I attempted to log in to my account and got locked out. 

I followed the required steps in order to have Coinbase verify my identity. 24 hours later, my identity was verified my email. The next required step is 2 Factor authentication. However, each and every time the numbers were generated, they were deemed " incorrect code ''. 

The frustration is that there is no simply way for me to proceed any further. 

In spite of the fact that I repeated this entire process several more times and I reset my password I can not get beyond the 2 Factor identification snafu which prevents me from being able to log in to my account. More frustrating is the fact that there is no one to contact by email or phone. 
I have attached an email example of the auto-generated response to my email requesting help. There has never been a case number assigned to my concerns and yet they deem that it has been closed. 

I am literally stuck in the loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: IL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, TransUnion data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I purchased a product ( bike ) from XXXX for {$2500.00}. I had problems with the bike. The company sent a new bike and original bike was returned. That bike was never used/put together because it arrived damaged. I returned that bike as well, XXXX picked it up. I have all details via email with the company regarding the return of the bike.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I closed my escrow account. The bank issued me a check in the amount of {$6.00} which was the escrow account balance. I deposited this check into my checking account and the check bounced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was charged XXXX dollars in over draft fees and they only gave me XXXX dollars back when I complained to them. 

OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$27.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$17.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$13.00} RECURRING PAYMENT AUTHORIZED ON XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$18.00} XXXX XXXX XXXX  Payment XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$27.00} XXXX XXXX XXXX Payment XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$12.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$16.00} XXXX XXXX XXXX  FEES XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$14.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$92.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$35.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FEE FOR A TRANSACTION POSTED XXXX XX/XX/XXXX {$16.00} XXXX XXXX XXXXXXXX FEES XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} FEES XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$35.00}

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 2024-11-30 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: IL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2024-11-30 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries associated with my credit file as allowed under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries do not belong to me. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifa - Date : XX/XX/XXXX XXXX. XXXXEquifa - Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: Nelnet, Inc.
State: WA

Complaint narrative:
In early XXXX several Dept of Ed/NelNet student loans began appearing on my credit report. I do not have, never have had, and have never applied for any student loans through any lender. I disputed the improper accounts with the XXXX credit bureau on XX/XX/year> and in early XXXX the credit bureau ruled in my favor and removed the fraudulent accounts from my credit report. In XX/XX/year>, the fraudulent accounts reappeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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