vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting.

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 2025-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bonneville Billing and Collections
State: LA

Complaint narrative:
Bonneville Collections repeatedly calls trying to settle a debt I do not owe. I answered once, told them so and to stop calling me, and hung up. They keep calling. A lot. Including on XXXX XXXX and the day after XXXX. The frequency and timing is unacceptable, especially when I do not owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
It has come to my attention that Chexsytem and XXXX XXXX  both continue to report fraudulent and damaging information in my consumer reports in their systems. My identity was stolen. It has been years and it seems every year Im finding more information to ruin my credit. There are accounts listed on my reports that were opened fraudulent using my stolen drivers license. You all have accounts listed in my report that arent even my social security number. My chexsystems report has been locked since XXXX yet I find out there are bank accounts that were opened in XXXX which I dont understand because I didnt authorize them being opened. Per the FCA all information in my report that is fraudulent should be removed and blocked. I will be attaching my FTC report. I bank with XXXX XXXX right now and they have my accounts restricted because they stated they found another with my information and I didnt have knowledge of they also stated there were several accounts with my name and birthdate but different social security numbers. I am now having to fly out to a branch to verify my identity so my account can be verified. Had this not happened I wouldve never known about this.

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 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Greetings to whom this may concern, My name is XXXX XXXX stating that Ive been a victim of identify and credit card fraud. It began as I was XXXXXXXX in the XXXX XXXX XXXX XXXX. While there in order to retrieve a XXXX someone took out an account in my name and made unauthorized decisions. All of which has led me to be in debt and hard to see myself getting out. Initially I may have been hesitant on contacting or replying to agencies on resolving this matter, being that's it hard been quite some time. But, I can no longer let bills and interest increase while not getting grasp on things. Lastly, attached are Five Account Statements all ranging from 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 2025-01-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted a dispute to this agency last month and I haven't received the investigation results

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 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There was a. XXXX k. Something on my. Credit report that showed unpaid and I was paid end of on XXXX or. XXXX it was. Chase credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Regarding AMEX acct # XXXX Identity, thieves have completely over-run my accounts and created situation where I may have to close my doors until further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Loss of job in XX/XX/XXXX while on XXXX. Contacted company for assistance with filing claim to use debt cancellation program. Was not provided this assistance and in fact while I continued to make payments while on XXXX in XXXX, My account was also compromised in data breaches. I have continued to reach out to issuer as Account was prematurely closed once I complained on being unable to make further payments and view account online.

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 2025-01-05 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: NY

Complaint narrative:
I file disputes, Due to wrong and unverified information. I was a victim of a data breach and identity theft.

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 2025-01-05 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX. XXXX XXXX XXXX XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX - XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX XXXX XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX  XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/2024 The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX The following inquiry was no and should not be reporting.

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 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX, I woke up to a credit decrease of over {$7000.00} when I talked to the company I asked why. They couldnt really give me any answers. They said they requested for a review to reverse it because when I got an email stating there was no reason pretty much for them changing it. I checked my credit score at that time. My credit was a XXXX something and all the information I had on the account Was the same as when I applied for the credit card so nothing changed. My credit. Utilization didnt change my amount of inquiries didnt change nothing changed upon my request to have it reversed again they would not and again it was for no reason that they could come up with so my credit score has dropped quite considerably for something that shouldnt have happened. And Ive worked years for my credit score to be fixed.

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 2025-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is a hard inquiry placed on my credit profile by XXXX XXXX on XX/XX/XXXX that I did not authorize. I did not give this company permission to access my credit report for any reason. I would like for this unauthorized inquiry to be removed asap. 


There is a hard inquiry placed on my credit profile by XXXX on XX/XX/XXXX that I did not authorize. I did not give this company permission to access my credit report for any reason. I would like for this unauthorized inquiry to be removed asap. 


There is a hard inquiry placed on my credit profile by XXXX XXXX on XX/XX/XXXX that I did not authorize. I did not give this company permission to access my credit report for any reason. I would like for this unauthorized inquiry to be removed asap. 


There is a hard inquiry placed on my credit profile by XXXX XXXX on XX/XX/XXXX that I did not authorize. I did not give this company permission to access my credit report for any reason. I would like for this unauthorized inquiry to be removed asap. 

There is a hard inquiry placed on my credit profile by XXXX XXXX on XX/XX/XXXX that I did not authorize. I did not give this company permission to access my credit report for any reason. I would like for this unauthorized inquiry to be removed asap. 

There is a hard inquiry placed on my credit profile by XXXX XXXX on XX/XX/XXXX that I did not authorize. I did not give this company permission to access my credit report for any reason. I would like for this unauthorized inquiry to be removed asap. 

There is a hard inquiry placed on my credit profile by XXXX XXXX XXXX on XX/XX/XXXX that I did not authorize. I did not give this company permission to access my credit report for any reason. I would like for this unauthorized inquiry to be removed asap. 

There is a hard inquiry placed on my credit profile by XXXX XXXX XXXX on XX/XX/XXXX that I did not authorize. I did not give this company permission to access my credit report for any reason. I would like for this unauthorized inquiry to be removed asap.

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 2025-01-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have two accounts in collection, the first is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and the other is from XXXX XXXX, the one for {$2400.00}, neither of those debts are mine. Show all the documentation that ensures that they are 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 2025-01-05 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:
My name is XXXX XXXX, and I am a victim of identity theft and a data breach. I am writing to request the removal of a charge-off from my credit report. While this account was removed from collections, it still appears as a charge-off, which I believe is a result of the fraudulent activity that occurred. 

Due to the identity theft, I should not be held responsible for the debt associated with this account. The fraudulent nature of the charges has caused significant damage to my credit, and I am requesting that the charge-off be removed from my report entirely. 

I have taken all necessary steps to report the fraud, including notifying the appropriate authorities and placing fraud alerts with the credit bureaus. Given that this account does not reflect my legitimate financial activity, I ask that it be permanently deleted from my credit report to accurately represent my credit history.

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 2025-01-05 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries were not and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 non-monetary relief
Consumer complaint received 2025-01-05 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiries were not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2025-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX - The following inquiries were not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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