vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am writing to formally dispute the presence of unauthorized information on my credit report, in accordance with 15 U.S.C. 1681b, and to request the immediate blocking and removal of this information.

The reporting of this information is not fair or equitable to me as a consumer. I was never provided with proper disclosures or the opportunity to opt out of sharing my personal information. If I did not authorize, share, or sign any disclosure or contract with any company, then making any transaction public is considered a violation under FCRA 1681b.

Legal Basis : Violation of FCRA 1681b Under 15 U.S. Code 1681b, the permissible purposes for accessing and reporting consumer information require written consent. I never provided any written or express consent for these accounts to be reported on my credit history. Without my explicit authorization, this reporting is invalid and must be removed immediately.

Requested Actions Immediate blocking and removal of the following unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Written confirmation of the removal of the unauthorized information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

I am enclosing a copy of my report filed with the Federal Trade Commission ( FTC ), which I have submitted to report this unauthorized use of my information ( FTC REPORT NUMBER : XXXX ). 

If I do not receive a timely response, I will proceed with filing a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and will consider taking legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ).

I appreciate your prompt response and resolution of this matter. I expect a response within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
Per the FCRA, as a federally protected consumer, I have opted out of any and ALL authorization, I, the consumer, may have given you, written, unwritten, verbal and non-verbal, per 15 USC 6802. This Consumer reporting agency has yet and still violated, repeatedly by reporting and sharing my personal information anyway.

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 2025-02-18 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 require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2025-02-18 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) [ CFPB Submission Address or Online Portal ] Re : Formal Notice of Dispute to TransUnion Improperly Reported Late Payments on Credit Report To Whom It May Concern, I am formally disputing the inaccurate late payment information reported by TransUnion on my consumer credit report. This dispute concerns the account listed below : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I previously requested that TransUnion investigate these reported late payments. However, I have not received adequate documentation proving that these payments were actually late. Therefore, I am now requesting the following information regarding TransUnions previous investigation : 1. Documentation proving that the reported late payments were accurate.

2. Records of the individuals TransUnion contacted, including their business name, address, and phone number. 
XXXX. Proof of any communication between TransUnion and XXXX XXXX regarding this matter. 
XXXX. A copy of my updated consumer credit report reflecting any necessary corrections. 

If TransUnion is unable to provide the requested documentation within 15 days, I request that the account status be updated to reflect Paid/Never Late and that a copy of my corrected credit report be sent to me promptly.

Attached to this dispute are screenshots evidencing the incorrect late payment notations. Please review this matter urgently and respond within the requested timeframe. Failure to comply will result in further action, including a formal complaint to regulatory authorities. 

Sincerely, 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 2025-02-18 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 writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXXXXXX

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 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I transferred {$500.00} from my account at Bank of America to my account at XXXX XXXX. However, later I learned that XXXX XXXX  closed my account. They said my funds were immediately turn back. 

Unfortunately, the refund never occurred. When I contacted Bank of America, they informed me that the transfer was processed correctly and that the funds were successfully sent. After that, I reached out to XXXX XXXX, where I was told that no funds were present in their system and that they could not assist me. 

I have contacted both banks multiple times in an attempt to resolve this issue, but neither has been able to provide information about the whereabouts of my funds or return them to my account. 

Both Bank of America and XXXX XXXX  have failed to take responsibility for the return of my funds, instead attempting to shift liability onto each other. As a result, I have been forced to dedicate significant time and effort to resolving this matter, yet there has been no progress in locating or recovering my funds. This ongoing lack of accountability has caused undue inconvenience and financial uncertainty. 

I formally request immediate action to rectify this situation and facilitate the prompt return of my funds. 
I kindly request an investigation into this matter to determine the location of my funds and ensure their return 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 2025-02-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, Subject : I AM A VICTIM OF THE SECURITY BREACH AND AM REQUESTING ITEMS BE REMOVED FROM MY CREDIT REPORT BEFORE XX/XX/year>2025. 
I am writing to formally dispute inaccurate and potentially fraudulent information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This section requires credit reporting agencies to ensure that reinvestigations of disputed information are thorough and that written results are provided within the statutory timeframe.

Request to Unblock Credit Report Access I request that my credit report be unlocked so I can access and review it online.

Proof of Identity I have attached the following documents as proof of identity : Drivers License Social Security Card Per the documented proof of the data breach, an unfamiliar individual named XXXX XXXX XXXX appeared on my credit report. I have never seen or heard of this person. While you have removed their name, you have left all of the fraudulent activity they conducted on my report, forcing me to dispute it on my own. 
This is completely unacceptable. Your mishandling of my information is causing unnecessary stress and hardship. If this matter is not immediately corrected, I will be pursuing legal action for the misappropriation of information on my credit report. I expect a prompt resolution to this issue.

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 2025-02-18 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: FL

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 explanation
Consumer complaint received 2025-02-18 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 require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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:
Its absolutely infuriating that the accounts tied up in pending litigation are still on my credit report. Ive reached out to you time and time again to address the inaccuracies, but Im getting nowhere. My credit score is being negatively affected by accounts that arent even finalized, and its completely unfair

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 2025-02-18 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: MN

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
this my story Ok I have done business with PNC Bank for years ever since I can remember. 
Also, it all started that somebody texted me and claiming that they were a celebrity and that person told me in order to get two new cars and some money I had to pay a fee and what I mean is I had to pay transportation cost and fees with apple gifts cards and so being that said I spent over {$1000.00} plus in gift cards alone back in XXXX  in the summer time thats how it started and after I made those payment to that person who claim to be a celebrity is a fraud, Also one day I was trying to log in into my PNC checking account and I was not able to get in my account in which did not notify me that they was going to shut my checking account because it was a possible it was fraud, but the fraud Department called me back and ask me what transactions I made I told then like groceries, or gas for my car at the time and so I try to tell them the other transactions was somebody elses and so the PNC bank treated me like a criminal claiming it was me in which was not doing the scam in which I did not. 
so I try to come back to PNC bank but the refused and so I feel they the PNC headquarters representative treat really.bad

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I wasn't notified about them taking me to court the 1st time which was XX/XX/year> now they served a member of my family which was not me. I tried to make arrangements with them and they refused to work with me on the amount I could afford to pay. He also went into personal info and credit report telling me I could pay more I just didn't want to. He disclosed all my financial info then stated they were appointing a person to ( receiver ) to go into my accounts or make me sell my items to pay th in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I noticed a collections account on my XXXX credit report on XX/XX/XXXX from The debt collector CREDENCE RESOURCE MANAGEMENT, according to them they're collecting the debt on behalf of XXXX XXXX XXXX for the amount of {$1800.00}. 

I called XXXX XXXX XXXX on XX/XX/XXXX to find out what this was about and they informed me they did not have my name under any accounts past or present, however they have my old address I used to live in back in XX/XX/XXXX. 

After getting off the phone with XXXX, I contacted CREDENCE RESOURCE MANAGEMENT, and spoke with " XXXX XXXX '' about this matter. He informed me That, the XXXX XXXX XXXX purchase was a XXXX that was bought using my name, social security, and former address. XXXX had me verify my address and when I did, he did not have my current address on file ( Again, I would like to re-iterate I have not lived in my old address since XXXX of XXXX, I say this because XXXX only had my old address on file ), the only issue with my former address which the debt collector had on file was the fact that it was an apartment building, and he did not have the apartment number on file. You are unable to get your mail delivered, if there is no apartment number attached to your mail. Before the call was over, I informed XXXX that this is a case of fraud/identity theft. XXXX inquired for my email address to send me a fraud packet to fill out, it had been over 24 hours and I have yet to received anything such thing. 

This has previously occurred back in XXXX, same amount, same calling of collecting the debt on behalf of XXXX, only difference is, it's under a different collections company because I suppose it was bought by this new company. Back in XXXX I contacted all 3 credit bureaus and filed a dispute about this, and was successfully able to get it removed from my credit report. Today XX/XX/XXXX I have called a 3-bureaus to file a dispute again about this same issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
While trying to deal with a debt collection company portfolio recovery I requested some very important information front the representative from the legal department that i was talking to who did not have or know what the 15 USC 1692 G was? Than when I went on to request my debt validation to include 1. Detailed list of payments for the original account 2. Forward flow agreement 3 want the original agreement with my signature validating I am responsible for the debt 4. Any insurance claims filed on this debt 5. Proof of chain of title to collect the debt This information is vital to proofing this is a accurate valid debt and for me to verify that this debt is accurately mine not a fraudulent account possibly opened by someone else. 
As you can see from the uploaded file on my credit report that it is showing a open account which is completely incorrect the account has been closed for years that alone is enough to show the information they are reporting is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
The date of the first delinquency that I have with XXXX XXXX, does not match the date that I have. Under 15 USC 1681 B E, you must provide MAXIMUM POSSIBLE ACCURACY. I'm also asking full disclosure of the XXXX of my profile.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief