vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-09-17 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: UT

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CL Holdings LLC
State: CO

Complaint narrative:
the first time I asked them to remove it was before I went into the hospital the next time I asked them to remove it was right before a XXXX XXXX was placed in me while I was in the hospital. I stopped talking to them after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This was originally disputed XX/XX/XXXX, then again in XX/XX/XXXX. I have now reached out to Amex and XXXX once again, today XX/XX/XXXX, and they are wanting me to start the process all over again. 

XXXX refuses to update my credit report stating that the account in question is still being reported as Open. I have submitted to them, a letter from American Express, which contains the statement " The Card is no longer active and is no longer associated with the primary Card Members account. '' I would like to note that this is an authorized user account, with my wife who WAS the primary account holder - she has since more than a year ago closed the primary account so there is absolutely no way this authorized user account could be considered active. 

Neither XXXX or Amex will communicate directly with one another to resolve this issue, leaving me to go around and around with the same information from both sides, neither making any actual attempt to correct the report and resolve this issue. 

The resolution I expect is that Experian updates their reporting to state, correctly, that the account in question is closed. I expect XXXX and Amex to work together to accomplish this resolution, as I, the Customer, should not be stuck in limbo in this way with false information being provided to potential creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2024-09-17 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:
Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Darte of Birth XXXX this Cfb complaint has been filed pursuant to to FCRA - 605 B ( 15 U.S. C - 1681 c-2 ) that you Trans Union credit reporting agency , block any information appearing in my consumer credit report that is a result of identity theft and fraud with in 4 business days if you receiving this complaint This Fraudulent, inaccurate and false information consist of a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX XXXX in the private account XXXX, XXXX on XXXX XXXX, XXXX the private account XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX in the private account XXXX, XXXX XXXX  on XXXX XXXX, in the private account XXXX and a cell phone in the company XXXX on XXXX XXXX in the private account XXXX and an Auto Loan in XXXX XXXX XXXX on XXXX XXXX in the private account XXXXThese accounts have resulted in several hard inquiries and fraudulent collections appearing in my consumer FICo credit report. I do not recognize these accounts and they were not insisted by me. I have attached a copy of the FtC criminal report that List all these fraudulent accounts ftc 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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered XXXX XXXX. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: HireRight Solutions, Inc.
State: TX

Complaint narrative:
HireRight is violating Federal rules and asking for documentation not required for a background check. It is also providing misleading information. 
I was offered a XXXX XXXX XXXX XXXX XXXX as a rehire. The job description from XXXX did not mention E-Verify as mandatory per Federal requirements. HireRight still ran E-Verification and came up with a Social Security number mismatch and asked for a SSA-89 which, as per the Social Security Administration , is not required for rehires. On making XXXX aware of the issue, the SSA-89 was apparently withdrawn by XXXX and a copy of my ID and SS card requested instead which I submitted by the deadline of XX/XX/2024 but HireRight refused to comply insisting on getting a SSA-89 and closed the investigation with an adverse action instead. Hireright is overstepping it's reach as a background check company and is violating Federal law. 1. XXXX did not include E-verification in the job description as mandatory per Federal law so HireRight overstepped it's authority by doing so 2. HireRight insisted on the SSA-89 when XXXX had XXXXhanged their requirement to a copy of the ID & SS card instead 3. HireRight closed the check before the end of the day deadline on XX/XX/2024 and issued an adverse action despite being informed that the documentation requested by XXXX had been provided already. This company has been guilty of fraudulent practices in the past and must be barred from conducting background checks. Their employees, notably the ones from overseas, do not understand Federal law and rules and routinely violate the same. I am requesting immediate action against HireRight and for this company to be stripped of its license to conduct background checks by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XXXX, I contacted Navient at the provided telephone number of XXXX XXXX and spoke to a representative requesting the School Misconduct Discharge Application. My file was located, representative confirmed the school in question is within the scope of the discharge lawsuit and I updated all contact information ( name, address, telephone, email ) I additionally, sent an email request to Navient 's provided email address of " advocate XXXX navientXXXX '' requesting the request application be sent via email.

On the call, I was told that the application would be received within 7 business days. As of today XXXX I have yet to receive the application. I called Navient again today and they said it was already sent and I needed to wait at least a month. 

They did reply to my email via an automated message that provided the phone number to call, the same one as above. So not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
This company was served a validation and cease and desist letter requesting specific proof and it has not been provided.

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 2024-09-17 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: DISCOVER BANK
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Best Buy concerning a recent transaction that remains unresolved despite my efforts. 

On XX/XX/year>, I received a package from Best Buy via UPS. Upon opening the package, I found it to be empty except for three water bottles. The item I had ordered was the XXXX - XXXX XXXX XXXX XXXX XXXX for XXXXXXXX XXXXXXXX, valued at approximately {$860.00}. I have a comprehensive video recording that clearly shows the package was empty except for the water bottles. 

I immediately contacted Best Buys customer service to report the issue and request a refund. Despite providing evidence of the empty package and making multiple attempts to resolve the matter, Best Buy has refused to issue a refund or offer any form of compensation. 

Additionally, I disputed this charge with XXXXXXXX XXXX XXXX hoping to secure a chargeback for the undelivered item. However, XXXX also refused to grant the chargeback, leaving me without recourse through both the retailer and my credit card issuer. 

Given these circumstances, I am seeking the CFPBs assistance in resolving this issue. I request that Best Buy be required to process a refund for the undelivered item. Their refusal to address this situation appropriately, combined with the denial of the chargeback, has resulted in significant inconvenience and financial loss. 

Thank you for your attention to this matter. I look forward to your assistance in facilitating a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My frustration has brought me here, because in the past two months I have tried to reach out to your company and nothing has been resolved about the inaccuracies in my report. It is negatively affecting me and my financial state.

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 2024-09-17 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: NC

Complaint narrative:
Full Name : Address : Credit Bureau Name : XXXX Address : Amount of Debt : Date of Service : Provider of Service : To Whom It May Concern, I have done some research and found that in accordance with the Fair Credit Reporting Act t, Account # [ ], has violated my rights. 
15USC 1681 SECTION 602 states I have the right of privacy. 
15 USC 1681 SECTION 604 A Section 2.. It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B.. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose. 
I am demanding this account be updated to paid as agreed and never late. 
Account Information : Creditors Name : Account Number : Date of Late Payment : XXXX I await your reply with the above request. I will correspond back with you by certified mail. 
Sincerly, Attached : Copy of ID and proof of residency. 
( I am not a third party, I wrote this letter myself ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-17 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-17 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: SC

Complaint narrative:
I am writing to formally dispute certain items on my credit report that are the result of identity theft. Under 15 U.S.C. 1681c ( f ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block the following fraudulent information from appearing on my credit report. I have sent copies of these documents to validate my fraudulent claim I have made multiple attempted to contact XXXX XXXX XXXX XXXXXXXX XXXX XXXX contact was ever made. All Attempts made were a fail. I've been in compliance and complete cooperation through this whole situation NO RESOLUTION. 
I've completely don't know wat to do any more I have taken all precautions to fix this situation, but no one is helping at all. I've contacted Equifax about them removing account that without my permission I never gave them permission to delete my XXXX XXXXXXXX off of my credit report without my consent I never sent documentation for that specific account. I called Equifax several time for them to correct this and report the new tradeline. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: MN

Complaint narrative:
( XXXX XXXX ), ( XXXX ), ( 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 Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX XXXX and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit acceptance corporation Open on XX/XX/2020 Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX  Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX  and fraud.

Company response to consumer: Closed with non-monetary relief