vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: TN

Complaint narrative:
XXXX XXXX XXXX I hope this message finds you well. I wanted to bring to your attention an issue regarding my XXXX XXXX and XXXX Credit Card accounts. These accounts do not belong to me, as they were acquired by a trusted family member who resided with me in the past. Unfortunately, this family member has since passed away, and it recently came to my attention that they had been using my cards without my knowledge. 

I was unaware of their actions as they were responsible for paying off the bills associated with these accounts. However, following their passing, I discovered the outstanding balance left on these cards. 

I am reaching out to inform you of this situation and to seek your guidance on how best to resolve this matter. Your support and assistance in rectifying this issue would be greatly appreciated.

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 2024-12-26 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: TN

Complaint narrative:
XXXX XXXX XXXX I hope this message finds you well. I wanted to bring to your attention an issue regarding my XXXX XXXX and XXXX Credit Card accounts. These accounts do not belong to me, as they were acquired by a trusted family member who resided with me in the past. Unfortunately, this family member has since passed away, and it recently came to my attention that they had been using my cards without my knowledge. 

I was unaware of their actions as they were responsible for paying off the bills associated with these accounts. However, following their passing, I discovered the outstanding balance left on these cards. 

I am reaching out to inform you of this situation and to seek your guidance on how best to resolve this matter. Your support and assistance in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: TX

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 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 2024-12-26 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: MD

Complaint narrative:
Dear CFPB, I am writing to request your assistance in resolving an issue with an unauthorized inquiry on my TransUnion credit report. Upon reviewing my report, I noticed the following hard inquiry that I did not authorize : XXXXXXXX XXXX XXXX  XX/XX/year> I did not grant permission for this inquiry, nor did I apply for credit with this entity. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to verify that a permissible purpose exists for this inquiry. I have contacted TransUnion to dispute this matter and requested documentation proving my authorization. However, TransUnion has not provided a satisfactory response or resolved this issue. 

This unauthorized inquiry is negatively impacting my credit profile, and I am requesting the CFPBs assistance to ensure TransUnion conducts a proper investigation. If the inquiry can not be verified with evidence of my authorization, I respectfully request its removal from my credit report. 

I have included supporting documents, including my identification, a copy of my social security number, a IDTheftReport ( FTCreport ) and a proof of address, to assist with your investigation. Please let me know if any additional information is required. 

Thank you for your attention to this matter. I look forward to your response and resolution. 

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 2024-12-26 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:
Fair and accurate credit reporting is essential to the financial system, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The efficiency of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating.

Therefore, the effectiveness of the banking system is hampered anytime there is a breach of the FCRA. Since I have choice over what is and is not included in my consumer report, this is a breach of my privacy. Identity theft occurs if any accounts are reported without my express written approval.

Both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are broken by 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 non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I received an amex gift card with a large amount on it and I can't find anywhere to use the large amount. The only places that will accept it are small retailers for small transactions, and it will take forever to use the balance on frivolous little things when the money could be better used elsewhere. I'm stuck with this large gift card that I essentially can't use anywhere meaningful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-26 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: MS

Complaint narrative:
( XXXX ) The banking system depends on accurate and fair credit reporting, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). Unfair credit reporting practices erode public trust, which is necessary for the banking system to continue operating, and inaccurate credit reports directly reduce the effectiveness of the banking system. 

Therefore, any infraction of the FCRA reduces the effectiveness of the banking system. My consumer report violates my privacy because I have discretion over what is and is not revealed. It would be deemed identity theft if any accounts were reported without my explicit agreement. 

This is against 15 U.S. Code 1681b ( 2 ) as well as 15 U.S. Code 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2024-12-26 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: IL

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
This is a continuation of my previous complaint # XXXX seeking to know the specific reason for Citibank closing my accounts and putting my name on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX submitted the complaint to Citibank and Citibank responded on XX/XX/year> to XXXX. I received a response from XXXX  on XX/XX/year> that included transactional and date information on the account from Citibank but that still omitted any reason for account closure. 
I called XXXX  which gave me phone numbers to contact Citibank for further information and I did so on XX/XX/year>. Citibank said that the account was no longer on their system. 
My problem with being on the XXXX  system continues however as other banks use this as a reason to decline my outgoing wires from real estate transactions in order to reinvest in liquid assets as I am of retirement age.

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 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I learned that the bank decided to close my business account without providing a reason. As of XX/XX/XXXX, the bank has held {$30000.00} of my business funds and not released it.This has disrupted my business operations and caused severe cash flow issues as I'm not able to access my funds for my day to day operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX was used in an XXXX business and we closed it. the business has since shut down. I have a XXXX personal account which I currently use. The business account debt is showing up on my personal credit under transworld systems in the amount of {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am contacting you as a victim of identity theft directly linked to the XXXX data breach, which compromised my personal information and has severely impacted my credit standing. My credit report now reflects multiple fraudulent accounts and unauthorized hard inquiries, leading to a significant decrease in my FICO credit scores.

Enclosed with this letter is documentation from XXXX confirming that my information was compromised in the breach. I formally request the immediate removal of these fraudulent accounts and hard inquiries from my XXXX and XXXX credit reports. XXXX has already removed these items, and I expect similar action from XXXX and XXXX. To substantiate my claim, I am including an FTC Identity Theft Affidavit and other relevant identification documents. Under Section 605B of the FCRA, I am entitled to have all fraudulent information related to identity theft blocked from my credit reports. The fraudulent accounts include : As a result, I am formally requesting, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), that all fraudulent accounts and hard inquiries be immediately removed from my XXXX and XXXX credit reports. In addition, I am disputing the following fraudulent rental and real estate accounts also, which were created in my name without authorization : To substantiate my claim, I have included the following : An FTC Identity Theft Affidavit Copy of my government-issued ID Proof of address ( e.g., utility bill ) Fraudulent Accounts on My Credit Report Personal Credit Card Account Bank XXXX XXXX XXXX Opened : XX/XX/XXXX Account No. : XXXX Credit Card Bank : XXXX XXXX Opened : XX/XX/XXXX Account No. : XXXX Personal Credit Account Bank : XXXX XXXX Opened : XX/XX/XXXX Account No : XXXX Personal Credit Account Bank : XXXX XXXX Opened : XX/XX/XXXX Account No : XXXX Inquiry to be removed Bank Name : XXXX Inquiry Date : XX/XX/XXXX These fraudulent accounts and related inquiries have resulted in unauthorized collection actions, which violate my rights under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am contacting you as a victim of identity theft directly linked to the XXXX data breach, which compromised my personal information and has severely impacted my credit standing. My credit report now reflects multiple fraudulent accounts and unauthorized hard inquiries, leading to a significant decrease in my FICO credit scores. 
Enclosed with this letter is documentation from XXXX confirming that my information was compromised in the breach. I formally request the immediate removal of these fraudulent accounts and hard inquiries from my XXXX and XXXX credit reports. XXXX has already removed these items, and I expect similar action from XXXX and XXXX. To substantiate my claim, I am including an FTC Identity Theft Affidavit and other relevant identification documents. Under Section 605B of the FCRA, I am entitled to have all fraudulent information related to identity theft blocked from my credit reports. The fraudulent accounts include : As a result, I am formally requesting, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), that all fraudulent accounts and hard inquiries be immediately removed from my XXXX and XXXX credit reports. In addition, I am disputing the following fraudulent rental and real estate accounts also, which were created in my name without authorization : To substantiate my claim, I have included the following : An FTC Identity Theft Affidavit Copy of my government-issued ID Proof of address ( e.g., utility bill ) Fraudulent Accounts on My Credit Report XXXXXXXX XXXX XXXX Account Bank XXXX XXXX XXXX Opened : XX/XX/XXXX Account No. : XXXX CXXXX XXXX XXXX  : XXXX XXXXXXXX Opened : XX/XX/XXXX Account No. : XXXX Personal Credit Account Bank : XXXX XXXX Opened : XX/XX/XXXX Account No : XXXX Personal Credit Account Bank : XXXX XXXX Opened : XX/XX/XXXX Account No : XXXX Inquiry to be removed Bank Name : THD/CBNA Inquiry Date : XX/XX/XXXX These fraudulent accounts and related inquiries have resulted in unauthorized collection actions, which violate my rights under the FCRA and FDCPA.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland credit did not give consent to share my information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/XXXX, there were XXXX separate XXXX withdrawals of {$5000.00} each from the nonprofit XXXXXXXX XXXX  Children 's Relief Endeavor account while I was on the phone with B of A fraud division. It all started when I received a call from someone claiming to be in the fraud department of Bank of America asking about possible fraudulent activity on the sacred account. The phone caller id was from B of A and the caller was able to ask me about charges on our sacred checking account. As we talked, he was sending me text messages about our account confirming his identity and the text messages came on the same text stream as my previous B of A messages. He asked me about a XXXX transfer of {$5000.00} that was occurring, of which I had no knowledge. I became suspicious so I asked my wife to call B of A to see if he was really their representative and to make sure this was not a fraudulent call. I kept the original caller on the line while we contacted B of A. I informed the B of A representative what was happening, and the representative thought it was suspicious and locked my account. She then transferred me to sales to open a new account and close my current account. The fraudulent caller then dropped off the call. 
After opening a new account, they transferred me to the XXXX team because, while I was on the phone with B of A, and the account was being closed, XXXX more {$5000.00} transfers came out of my account. The XXXX fraud team asked me to submit a claim. XXXX weeks later, the claim was denied. I called and appealed, and they requested a police report, which I forwarded. Again, my claim was denied. 
I called again and was told that I authorized the XXXX transfers, and I approved the text authorizing them, which I did not. The rep said all she could do was reopen the claim, but I would most likely get the same answer. I have not heard anything since. 
I am at a complete loss because I reported the fraud while on the phone with B of A fraud and, although the account was locked, the withdrawals were still processed. The breakdown occurred, in my opinion, because the B of A representative sent me to sales to close and reopen my account rather than directly to XXXX fraud. The block they put on my account did not stop the additional {$10000.00} in XXXX withdrawals. Bank of America has not borne any responsibility in this matter, and they should. My claim was denied on XX/XX/XXXX. I appealed and it was again denied on XX/XX/XXXX. I wrote to the CEO and again, his response on XX/XX/XXXX was the claim was again denied.

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 2024-12-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief