vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is impossible to call or report Fraud to Trans Union by email, phone or text. I spent one hour and 4 phone as a courtesy calls with Trans Union on XX/XX/XXXX. My name is XXXX XXXX, XXXX, XXXX. On XX/XX/2024 a company named XXXX XXXX, using the name XXXX XXXX XXXX XXXX XXXXXXXX using the phone number XXXX and using the name of XXXX. 

XXXX says they are a 100 % whole owed subsidiary of Trans Union. After 4 calls I was able to get a technical help desk at Trans Union that could verify that XXXX XXXX is not a subsidiary of TU. 

My complaint is that is is so hard to get through to Trans Union to report their flawed system and indirectly helping this form of Fraud. It should be easy to have an email address, phone number or mailing address for a consumer to verify Trans Union 's business practices. My guess is that for every one complaint there are XXXX victims. TU has ZERO processes to help verify its own lack of involvement without me joining TU?

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 2024-08-30 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: NJ

Complaint narrative:
It has come to my attention that items previously deleted from my credit report have been reinserted without following the legal requirements. Specifically, you failed to provide written notice of the reinsertion within 5 business days as mandated. Additionally, you did not certify that the reinserted items were accurate and properly validated, according to the statute. Under 15 U.S.C. 1681i ( a ), you must complete reinvestigations within 30 days and ensure that any inaccurate or unverifiable information is immediately deleted from my file. I demand that you remove these items from my credit report without further delay. Failure to address this issue promptly will leave me no choice but to seek legal action to protect my 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
Consumer complaint received 2024-08-30 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: NY

Complaint narrative:
i recently review a copy of my credit report and notice i had fraudulent accounts on my report. please remove these accounts from my report, they are hurtimg my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently obtained my credit report that was not reported accurately. the consumer reporting agencies need to report all info with complete accuracy. According to the IRS when an account is charged off, it becomes income. I requested proof but haven't received anything. It has a balance of 0 and shows closed and the dispute says deleted but still shows on my report. I'm requesting that this account be updated and deleted from my report because of its inaccuracy. if this information can't be verified with them, I demand that you investigate this and update my credit profile immediately and remove this. It is showing as closed but its also showing as an inquiry and will fall off in XXXX XXXXThis also shows the last status update was in XX/XX/XXXX but Experian is XXXX that is charged off as of XX/XX/XXXX. This account should be deleted for the inaccuracy that is reported.

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 2024-08-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX, ga XXXX XXXX XXXX Dear XXXX, XXXX, Experian : This is a Self-Attestation that I am a victim of XXXX.. The information listed below, which appears on my credit report, is the result of that trafficking. 
These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), as well as personal loan account opened at XXXX XXXX on XXXX XXXX, XXXX under the account number ( XXXX  XXXX ). An personal loan opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) an personal loan with XXXXXXXX XXXX XXXX XXXXAccount number ( XXXX ) Opened : XXXX. XXXX another auto loan XXXX XXXX opened XXXX. XXXX, XXXX account 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 2024-08-30 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: TX

Complaint narrative:
theres serval inquiry on my account that i did not make i need them removed all inquiries or not mine

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 2024-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. BESTBUY/CBNA 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 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: MS

Complaint narrative:
sent a cease and desist dispute letter on XX/XX/year> asking for validity of alleged debt ACCORDING TO 15 USC 1692C YOU HAVE VIOLATED MY RIGHTS BY INLAWFUL COMMUNICATIONS PLEASE REMOVE THIS COLLECTION OFF OF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently made a complaint and your company responded saying : Thank you for expressing your concerns to the Consumer Financial Protection Bureau. We appreciate you allowing us the opportunity to research this matter. We completed our review and the details of our response are below. We confirmed you made a payment of {$3000.00} on XX/XX/year>. 

We confirmed a payment of {$2000.00} was made online XX/XX/year>. We confirmed XXXX XXXX was used to log into the online account on XX/XX/year>, to schedule the payment {$2000.00} payment. The payment of {$2000.00} was returned due to being unauthorized on XX/XX/year>, and we sent you the attached letter dated XX/XX/year>, confirming this information. 

___________________ So my question to your company is HOW is XXXX XXXX  confirmed used to log into an ( online ) account, that I NEVER logged into to make this transaction??? 

I ONLY log into my mobile account, and I only use my XXXX XXXX with my mobile phone. 

How, somebody please tell me how? 

Your company did not verify these details correctly!! 

Not only did I NOT make a {$2000.00} payment, my account was closed because of it AFTER paying {$3000.00}! ON TIME! 

Why is that fair??? 

Why would I make a {$2000.00} payment that doesn't go through AFTER making a {$3000.00} payment on time that did?? 

Nobody is investigating this situation! I should be able to have my account reinstated and everyone continues to tell me there is nothing they can do!! 

Your company also specified that one of the reasons my account was not reopened because I used the card! When your company offered to give XXXX points for spending a large balance within 3 months! 

I filed with the FTC and Police Department. My information was confiscated!! 

This is also not the first time I was frauded using Chase Bank! 

I am imploring this be investigated further and something be done! 

Earlier this year a company with Chase bank frauded my company for {$7400.00} and nothing was done. 

Now this! 

Why do these things continue to happen? And I am supposed to just be out of money and there is " nothing you can do ''? 

I highly Doubt it!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. I have reviewed my credit report and have noticed a few inaccurate addresses and accounts that were not authorized by me. I had lost my wallet and I'm urgently requesting to have the following accounts and addresses removed from report. I am a victim of identity theft and did not authorize the charges. I ask that the items be deleted as they are affecting my report and my financials. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2024-08-30 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. I have reviewed my credit report and have noticed a few inaccurate addresses and accounts that were not authorized by me. I had lost my wallet and I'm urgently requesting to have the following accounts and addresses removed from report. I am a victim of identity theft and did not authorize the charges. I ask that the items be deleted as they are affecting my report and my financials. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-08-30 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: NC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted CFPB COMPLAINT # XXXX regarding a discrepancy in balance of a prepaid gift card. The amount in controversy is {$13.00}.

This card had an original balance of {$100.00} and was used twice. One for {$44.00} at an online pharmacy and once for {$27.00} at XXXX. 

The remaining balance showing on line is {$13.00} but should be {$27.00}.

Almost immediately after filing the above captioned CFPB complaint, the card issuer responded that " we do not see any attempts by XXXX to reverse the charges from the purchase in question back onto the XXXX gift card ending in XXXX. 

This is COMPLETELY UNTRUE. 

Please see the 2 page screen shot from the issuers webpage which shows the following " failed '' CREDIT transactions which appear in GREEN INK on the page : WED. XX/XX/XXXX PURCHASE CREDIT {$13.00} ( FAILED ) WED. XX/XX/XXXX PURCHASE CREDIT {$13.00} ( FAILED ) THURS XX/XX/XXXX PURCHASE CREDIT {$13.00} ( FAILED ) THURS XX/XX/XXXX PURCHASE CREDIT {$13.00} ( FAILED ) FRI XX/XX/XXXX PURCHASE CREDIT {$13.00} ( FAILED ) FRI XX/XX/XXXX PURCHASE CREDIT {$13.00} ( FAILED )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: NY

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

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.

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 2024-09-02 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: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX 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 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
i cant receive payment through zelle XXXX keeps blocking zelle payment coming into my account with a device security triggered issue error message i contacted varo support team and they are unable to resolve or fix or override this problem coming from zelle and i cant receive payment on zelle and customer support is refusing to help and fix this payment returned issue i even spoke with a name harsh from the varo support chat and he refused to lift and fix the security issue coming from zelle and i been using the same device the whole time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These inquiries do not belong to me, and I am not associated with the listed creditors.

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 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Velocity Portfolio Group
State: AL

Complaint narrative:
This company that I have no knowledge of is suing me for a debt on a card that Ive never had this is fraud and now I have no way to even get ahold of them to explain this 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 2024-08-30 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: FL

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 2024-08-30 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: FL

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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