vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: RI

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 2025-01-03 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 2025-01-03 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: NC

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date XXXX XXXX XX/XX/XXXX Balance Owed : {$7500.00} Collection XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$100.00} Collection XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$26000.00} Late/Open Inquiries in Dispute : XXXX XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of anxiety. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I reported my card XXXX and XXXX transactions made on XX/XX/XXXX and XX/XX/XXXX to be fraudulent ( totaling {$610.00} ) on XX/XX/XXXX by calling the Home Depot Credit Card customer service XXXX and speaking with multiple agents regarding these facts and requesting that my current card be deactivated and these charges be disputed. The initialization of a lost/stolen card cancellation, replacement card mailing, and fraud dispute was definitely confirmed by the agents over the phone at the time. Furthermore, I messaged the same information on XX/XX/XXXX using my online accounts secure messaging. Finally, after seeing the charges still on my account after several weeks, I called on XX/XX/XXXX to confirm my dispute was ongoing and underway, and was dismayed to be told that it was never started in the first place after my call on the XXXX. 

Despite an extensive customer service call on XX/XX/XXXX in response to these fraudulent transactions, my report never resulted in action despite the assurances of the Home Depot Credit Card XXXX customer service team. A dispute was never begun, and these charges were not credited or lifted from my account as they should have. A new replacement credit card was not even sent to me until I called a second time to re-request it approximately XXXX business days later after initially reporting the lost and stolen credit card. I am deeply disappointed with the experience I have had with Home Depot Credit Card XXXX. 

Furthermore, I have been given conflicting information on multiple customer service calls, such as that their dispute / fraud investigation could take XXXX days in XXXX call, and XXXX days in another call. Furthermore, I am unable submit a dispute transaction request through the online account website of my Home Depot Credit Card ( this option is available in the settings menu but no available transactions are listed to dispute ). When I call back the Home Depot Credit Card XXXX customer service, they always say they're going to explain my situation to another agent and transfer me there, but they never explain anything to this agent and merely keep me on hold for hours at a time and I have to re-explain my situation. It is a horrible customer service experience that makes it extremely hard to protect my interests as a consumer and deal with fraudulent transactions.

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 2025-01-03 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: GA

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. 


Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX 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 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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against TransUnion for their refusal to conduct a reasonable investigation into inaccuracies on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) disputing the inaccurate and derogatory information on my credit report, including a XXXX  record. This XXXX  is reporting with discrepancies, as it only lists an incorrect court name, a reference number, and a filing date. The incomplete and inaccurate reporting has negatively impacted my creditworthiness. 
In my dispute letter, I ensured to include a copy of my driver 's license, Social Security card, and proof of address to verify my identity in accordance with the FCRA. Despite my compliance, TransUnion refused to conduct an investigation. I received a response from them dated XX/XX/year>, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' According to the FCRA, if accounts are inaccurately reporting, I have the right to file a dispute with the credit reporting agency. TransUnion 's refusal to investigate my dispute constitutes a clear violation of my consumer rights under the FCRA.

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On Monday, XX/XX/XXXX, I received a refund check in the mail from XXXX for my extended warranty I canceled. I deposited the check into my Citibank checking account via the mobile app. The check was for {$1000.00}. I have copies of the check and the remittance, if needed. Their check was written off of their bank account at XXXX XXXX. When I deposited the check, it was placed on funds availability hold. {$220.00} was available the following day on Tuesday, XX/XX/XXXX and the remaining {$810.00} was available on Wednesday, XX/XX/XXXX. All was well. On Thursday, XX/XX/XXXX, I did not have access to my online account via the phone app or on a desktop browser. I then went to an ATM machine and I couldnt access my money. I called Citibank and they told me my checking account is " in review '' while they do a fraud review. They said it would be 24 - 48 hours. They had me verify the XXXX check, if it was legitimate, etc. I called back numerous times and kept getting the same response. I called today, XX/XX/XXXX and am getting no response to when Ill have access to not only that check but the other funds in my account. I have no access to any of my money and I have bills/rent to pay. They said it would be another 24-48 hours the last time I spoke to them. It is still " in review ''. This is extremely frustrating. Can you please help? Thank 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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
The vehicle was repoed and sold the remaining balance was part of XXXX  that has been paid in full.

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 2025-01-03 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 am a victim of identity theft. There are accounts and inquiries for on my 3 credit bureau reports thats I didnt authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: CO

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 XXXXXXXX XXXX XXXX : # XXXX, has violated my rights. 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 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 2025-01-03 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: TX

Complaint narrative:
Dear Experian Compliance Department, This correspondence serves as a formal follow-up regarding my previous request to place a security freeze on my credit profile and opt-out of the release of any personal, financial, or debt-related information. I appreciate your acknowledgment of my prior communications and would like to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ) are being upheld.

My Request 1. Security Freeze : I request that a security freeze be implemented on my credit profile to prevent unauthorized access or sharing of my information.

2. Opt-Out of Information Sharing : I do not consent to the release, disclosure, or sharing of any personal or debt-related information to credit bureaus, reporting agencies, or third parties without my explicit permission.

3. Compliance with Federal Regulations : I request written confirmation that your organization is fully compliant with federal regulations and is taking all necessary steps to uphold my rights as a consumer under the FCRA and other applicable laws. 
Documentation Provided For your review, I have enclosed the following documents : A copy of my driver license A recent utility bill for address verification Declaration I declare, under penalty of law, that the information provided in this correspondence and all attached documentation is true and accurate to the best of my knowledge. 
Next Steps I kindly request written confirmation that : The requested security freeze has been placed on my credit profile. 
My opt-out request has been processed and my information is no longer being disclosed. 
Your organization is compliant with all applicable federal laws and CFPB guidelines regarding the handling of consumer data. 
Please provide confirmation of these actions within 30 days of receipt of this correspondence. If additional information or clarification is required, do not hesitate to contact me directly at XXXX or via email at XXXX. 
Thank you for your attention to this matter. I look forward to your prompt response and assurance that my requests have been handled appropriately. 
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 explanation
Consumer complaint received 2025-01-03 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: NJ

Complaint narrative:
An item that has resulted from fraud which I never benefitted from still appears on my report and you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

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 2025-01-03 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: MS

Complaint narrative:
Subject : Dispute of Inaccurate Account Information XXXX  XXXX To Whom It May Concern, I am submitting this formal dispute regarding inaccurate information reported by XXXX XXXX to the credit bureaus, which I believe is directly related to my status as a victim of the XXXX XXXX breach. As a result of this breach, my personal and financial information was compromised, leading to the reporting of an account that I did not authorize or open. 

The inaccurate information has been reported to XXXX, XXXX, and TransUnion and is causing significant harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, I am requesting that XXXX  XXXX conduct a thorough investigation into this account and provide documented proof of its legitimacy. If validation can not be provided, I demand the immediate removal of the account from all credit reports. 

As a victim of the XXXX data breach, I am deeply concerned about the security of my sensitive information and my ongoing risk of identity theft. I also invoke my rights under the Gramm-Leach-Bliley Act ( GLBA ) to ensure that my financial data is safeguarded and handled appropriately.

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