vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX BALANCED {$5000.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$10000.00} XXXX XXXX BALANCED {$190.00}

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 explanation
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate and incomplete information listed on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you thoroughly investigate and remove any erroneous entries. 

Upon reviewing my credit report, I noticed that certain items are either inaccurate or incomplete. Specifically, [ mention the items in question, including account numbers, dates, or other relevant details ]. These entries do not accurately reflect my credit history due to [ mention why these items are inaccurate, incomplete, or how they are linked to a data breach ]. 

Additionally, I was affected by the [ mention the name of the breach ] data breach, which exposed my personal information to unauthorized parties. The breach involved sensitive data, including [ list the types of exposed data ]. I request that any records linked to this breach be thoroughly reviewed, corrected, or removed from my report as the entries may have been compromised. 

Relevant Case Law : Spokeo, Inc. v. Robins ( 2016 ) : The U.S. Supreme Court held that consumers have the right to accurate and complete information in their credit reports, and if the information is inaccurate or incomplete, the credit reporting agency must correct or remove it. 

Davis v. Credit Bureau of the South ( 1986 ) : The court ruled that under the FCRA, credit reporting agencies are obligated to ensure the accuracy and completeness of the data they report, and that failure to do so could lead to the removal of inaccurate entries. 

FCRA Section 1681e ( b ) : This section mandates that credit reporting agencies maintain reasonable procedures to ensure the accuracy and completeness of the information they report. Any items that can not be verified or are proven to be inaccurate must be removed. 

I request that you provide me with written confirmation once this dispute has been resolved. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the changes. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with the FCRA and remove the inaccuracies accordingly. 

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 2025-01-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate and incomplete information listed on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you thoroughly investigate and remove any erroneous entries. 

Upon reviewing my credit report, I noticed that certain items are either inaccurate or incomplete. Specifically, [ mention the items in question, including account numbers, dates, or other relevant details ]. These entries do not accurately reflect my credit history due to [ mention why these items are inaccurate, incomplete, or how they are linked to a data breach ]. 

Additionally, I was affected by the [ mention the name of the breach ] data breach, which exposed my personal information to unauthorized parties. The breach involved sensitive data, including [ list the types of exposed data ]. I request that any records linked to this breach be thoroughly reviewed, corrected, or removed from my report as the entries may have been compromised. 

Relevant Case Law : Spokeo, Inc. v. Robins ( 2016 ) : The U.S. Supreme Court held that consumers have the right to accurate and complete information in their credit reports, and if the information is inaccurate or incomplete, the credit reporting agency must correct or remove it.

Davis v. Credit Bureau of the South ( 1986 ) : The court ruled that under the FCRA, credit reporting agencies are obligated to ensure the accuracy and completeness of the data they report, and that failure to do so could lead to the removal of inaccurate entries. 

FCRA Section 1681e ( b ) : This section mandates that credit reporting agencies maintain reasonable procedures to ensure the accuracy and completeness of the information they report. Any items that can not be verified or are proven to be inaccurate must be removed. 

I request that you provide me with written confirmation once this dispute has been resolved. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the changes. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with the FCRA and remove the inaccuracies accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a dispute with TransUnion as Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. I received a response that account is accurate and they are not removing.

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I applied for a new Citibank checking account on XX/XX/year> and my application ( Application ID XXXX ) went in to pended status. I did not receive any status update on my application so I decided to call Citibank on XX/XX/XXXX upon which I was told that my account application was cancelled due to " KYC '' reasons and the only way for me to be able to account would be by visiting a Citibank branch. 

Citi had closed my credit cards more than 2 years ago citing a reason that I had paid my dues using a money order for which I had legitimate reasons and Citi never disclosed in their terms that payments can not be made through a check/money order. 

I want to know what Citibank means by KYC checks and what more information is needed for them to be able to approve my checking account application.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-10 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: OH

Complaint narrative:
My data has been breached and fraudulent charges have been made to my credit. I have been trying to fight it with no success.

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 2025-01-10 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all ACH transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX  ) who has in turn allowed other entities to also access their report without my consent. 

Bank of America North Carolina ( I have NEVER had an account with this institution ) : disclosed/reported 19 ACH transactions on XXXX XXXX report. 

This is a violation of my privacy rights under The Privacy Act of 1974 which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681. 

I am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : XXXX My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing. 

XXXX Financial institutions may not disclose, exception : XXXX as outlined above. 

XXXX Customer authorization required. 

XXXX Transfer of records to additional agency allowed when XXXX notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry I did not consent to sharing my financial history or personal identifying information with any XXXX parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX XXXX whom I trusted. I also have an account with another Credit Union that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX, New York XXXX Previous Address : The following previous addresses are wrong : EMPLOYER - XXXX  XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - SELF EMPLOYED- The following personal information is incorrect- The personal data reporting is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
I am writing to formally raise concerns regarding several issues I have encountered with my credit report. These include : 1. Incorrect account listings 2. Multiple unauthorized credit inquiries 3. Inaccurate credit reporting 4. Discrepancies in billing 5. Inconsistent date payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there was a late payment. The delinquent payment showing on my report XX/XX/XXXX was the result of my job loss due to XXXX. The CARES Act which was signed into law on XXXX XXXX and ended XXXX XX/XX/XXXX. This act amended the Fair Credit Reporting Act to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there was a late payment. The delinquent payment showing on my report XX/XX/XXXX was the result of my job loss due to COVID-19. The CARES Act which was signed into law on XXXX XXXX and ended XXXX XX/XX/XXXX. This act amended the Fair Credit Reporting Act to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period.

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Made a dispute to Equifax, XXXX XXXX and XXXX about the Fraudulent accounts was applied in my name with out my consent I did not apply for the following accounts these are not my inquiries 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 Still have not received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation