vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Note one : Hello, I have included the supporting documentation of a negative report from XXXX. This report came from XXXX and although there are no late or missing payments AT ALL, the account is being reported as delinquent. After a personal loan I was approved nearly three years ago, I wonder how and why XXXX has turned me down for a loan numerous times. I've had to look elsewhere for loans that added up to {$8000.00} and I have not missed one payment or have been late on ANY of them. I am outraged that XXXX would do this. I am further forwarding this complaint to XXXX. 

After XXXX responded : Thank you for this response. It gives my findings and supporting documentation merit because the delinquency, and negative derogatory report XXXX provided to XXXX was done maliciously and intentionally so that it would be impossible for me to get anything else approved from XXXX or perhaps any other lender I've applied to. This warrants a higher complaint because I am right in the middle of a request to XXXX out of the equity in my home which is estimated at XXXX. Of course Texas can only pull out 80 % of that! HAVE YOU SEEN THE REPORT? Look at it. It was done with malicious intent! Reply to XXXX to no avail : The response I received was a testament to the lack of responsibility and the quality of XXXX XXXX customer service department ( although they have gotten better ) You have the information in your hands. This was your opportunity to show your capabilities and contact your colleague at headquarters and forward what you received from a customer of XXXX. I have not gotten anywhere with 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 2023-09-27 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: TN

Complaint narrative:
I am writing to report three fraudulent credit inquiries on my report dated XX/XX/20XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries were conducted without permissible purpose, and my attempts to seek clarification from the companies have been unsuccessful. I have also filed an identity theft report regarding this matter. I kindly request the Consumer Financial Protection Bureau 's assistance in investigating these unauthorized inquiries to protect my consumer rights and creditworthiness. 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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to report three fraudulent credit inquiries on my report dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These inquiries were conducted without permissible purpose, and my attempts to seek clarification from the companies have been unsuccessful. I have also filed an identity theft report regarding this matter. I kindly request the Consumer Financial Protection Bureau 's assistance in investigating these unauthorized inquiries to protect my consumer rights and creditworthiness. 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 2023-09-27 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: NY

Complaint narrative:
I am filing this complaint to dispute certain account that appear on my credit report, which I believe to be fraudulent. I request that you investigate and remove it from my credit report, as it's not valid and do not belong to me. I kindly request that you conduct a thorough investigation into this fraudulent account and promptly remove it from my credit report. This account do not belong to me, and their presence is negatively affecting my creditworthiness. Please find below the details of the fraudulent accounts : XXXX XXXX XXXX. Please delete this account immediately.

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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
Elan Financial has an account still opened that I never was associated with. I never gave my consent to anyone to use my information to open this fraudulent account. Only I can determine what is fraudulent under law and this is account has never been associated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction regarding the ongoing issues I have faced with my account at 3 Credit Bureaus. Despite several attempts to rectify the situation, fraudulent items continue to appear on my account, and my concerns have not been adequately addressed. 

To provide you with a clear overview of the situation : I have made multiple attempts to remove fraudulent items from my account, including : Despite these efforts, fraudulent items persist on my account, causing significant distress and financial harm. 

As a result of these ongoing issues, I have incurred unauthorized charges and fraudulent items on my account, which are both distressing and unacceptable. The fraudulent charges and items are as follows : An immediate and thorough investigation into the origin of the fraudulent items on my account. 
An explanation for the recurring issues and a clear plan for the removal of all fraudulent items. 
The reversal of all unauthorized charges and the removal of fraudulent items from my account. 
Enhanced security measures to prevent further fraudulent activity on my account. 
A written response detailing the steps you will take to rectify this situation within 15 days of receiving this complaint letter. 
Failure to address these concerns and provide a satisfactory resolution within the specified time frame will leave me with no choice but to escalate this matter to higher authorities, including relevant regulatory bodies and law enforcement agencies. I believe that this situation can be resolved amicably and without the need for further escalation. Please help me remove the following fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00}.

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 2023-09-27 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction regarding the ongoing issues I have faced with my account at 3 Credit Bureaus. Despite several attempts to rectify the situation, fraudulent items continue to appear on my account, and my concerns have not been adequately addressed. 

To provide you with a clear overview of the situation : I have made multiple attempts to remove fraudulent items from my account, including : Despite these efforts, fraudulent items persist on my account, causing significant distress and financial harm. 

As a result of these ongoing issues, I have incurred unauthorized charges and fraudulent items on my account, which are both distressing and unacceptable. The fraudulent charges and items are as follows : An immediate and thorough investigation into the origin of the fraudulent items on my account. 
An explanation for the recurring issues and a clear plan for the removal of all fraudulent items. 
The reversal of all unauthorized charges and the removal of fraudulent items from my account. 
Enhanced security measures to prevent further fraudulent activity on my account. 
A written response detailing the steps you will take to rectify this situation within 15 days of receiving this complaint letter. 
Failure to address these concerns and provide a satisfactory resolution within the specified time frame will leave me with no choice but to escalate this matter to higher authorities, including relevant regulatory bodies and law enforcement agencies. I believe that this situation can be resolved amicably and without the need for further escalation. Please help me remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-27 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-27 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: CA

Complaint narrative:
I am deeply dissatisfied with your assertions and am rejecting them due to the absence of any substantial evidence to support your claims. I urge you to address these accounts as erroneous or face the potential consequences of legal action on my part. My emotions encompass frustration, distress, irritation, and outright XXXX. These sentiments have arisen from the excruciatingly slow responses and the repeated dismissal of my identity theft claim by your organization. Let me be unequivocal : this situation is a veritable nightmare. I have been grappling with unauthorized accounts and transactions, and the impact on my financial well-being and peace of mind is incalculable. The emotional turmoil I've endured has been beyond distressing. I implore you to promptly initiate a thorough investigation into these matters, expunge the fraudulent account from my credit report, and assist in restoring my financial standing. I am not seeking preferential treatment ; I am demanding what is rightfully mine as a victim of identity theft. I also want to dispute these addresses that are not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX, XXXX, CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: SC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-27 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: SC

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27 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: TX

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
XX/XX/2023 my debit card was charged in the XXXX for {$210.00} at XXXX XXXX XXXX time. This couldnt have been me because I made a purchase at XXXX in Kentucky XXXX at XXXX. Theres no way I couldve travelled to another country in XXXX hours. I filed a dispute with my bank Chime ( XXXX XXXX XXXX ), and after XXXX months I was denied a chargeback for a refund of my money and told no error occurred and was simply left at that with no additional information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
These inquires have been added to my credit report without my authorization XXXX XXXX XXXX XXXX, 2022 I disputed them and they remained on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Zions Debt Holdings
State: OH

Complaint narrative:
I attempted to contact XXXX to obtain information and dispute a collection account that just showed up on my husbands credit report. This is the only collection item between the two of us, and we have excellent credit. XXXX referred us to a company called XXXX XXXX ( XXXX Zions Debt Holdings ). After confirming that XXXX XXXX purchased this account, I agreed to contact XXXX XXXX. I explained to the collections agent at XXXX XXXX why we wouldnt be paying this account, and I wanted to know what date this was purchased. The representative transferred me to a supervisor. The " supervisor '', XXXX XXXX, immediately sounded bored and disinterested and parroted back a few less relevant statements that I gave to the previous representative. Eventually, we came to a point where she was condescending, rude, and she loudly declared, You dont have a single piece of documentation that you dont owe this debt ( after I explained that we made numerous attempts to contact XXXX to cancel our contract ). She also said, If you dont want this on your credit then learn to pay your bills. We pay all of our legitimately owed bills and do not deserve to be treated this way when calling to obtain information. 

When I recently filed a complaint against XXXX XXXX with CFPB ( on XX/XX/23 ), it was marked " resolved '' because the company responded that XXXX XXXX isn't in business, and to contact Zions Debt Holdings instead ( even though the 2 companies are affiliates, and even XXXX doesn't seem to be aware of the name difference, since they're referring past customers to " XXXX XXXX '' ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation