vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: NV

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 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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX has breached my information. I am a veteran and vulnerable to retaliation. I am being harassed and my phone is ringing off the hook i'm a XXXX XXXX veteran and this exacerbates my XXXX. 

There are even scammers that are sending me emails such as this because of the breach. 

You've Received a Virtual Prepaid Card {$17.00} Per the terms of the Settlement, your pre-paid card is enclosed for your XXXX XXXX XXXX XXXX Extended Claims Period claim payment of {$17.00}. 



REDEMPTION INSTRUCTIONS Click the Redeem Virtual Card button below or visit the redemption site by clicking this URL : XXXX : XXXX? XXXX You can also navigate to the XXXX XXXX Breach Settlement XXXX XXXX XXXX and follow the instructions to redeem your card. 
Once on the XXXX XXXX  click " Enter Code '' and enter the redemption code : XXXX TIPS : Click the link above or copy and paste the address into your browser to navigate to the activation site or navigate to the XXXX XXXX XXXX XXXX site. 
If you search for the redemption site online, please be aware that there are fraudulent websites. We recommend following one of the paths above to avoid fraudulent sites. 

REDEEM VIRTUAL CARD Redemption Code XXXX You received this email from the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX If you do not wish to receive further emails from the XXXX XXXX XXXX XXXX XXXX XXXX us at XXXX. 

This violates : The Fair Credit Reporting Act ( FCRA ) - specifically : 15 U.S.C. 1681 ( b ) - Failure to protect consumer data 15 U.S.C. 1681e ( a ) - Failure to maintain reasonable security procedures The Gramm-Leach-Bliley Act ( GLBA ) Specifically the Safeguards Rule requiring financial institutions to protect consumer data Section 5 of the Federal Trade Commission Act Prohibiting unfair or deceptive practices affecting commerce

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NV

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 2024-12-20 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: FL

Complaint narrative:
This is the second time equifax has incorrectly reported my XXXX XXXXXXXX balance ending in XXXX! PLEASE CORRECT OR I WILL BE FILING LEGAL SUIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this report because my personal information has been exposed in a data breach, leading to unauthorized use of my identity and financial harm. I became aware of the breach on when I noticed suspicious activity, such filing unlawful items on my credit report. 
The breach has resulted in, damage to my credit score, unauthorized purchases, harassment by debt collectors for debts that are not mine. I did not authorize these actions or provide consent for any entity to access or use my personal information in this way.

Despite my attempts to resolve these issues directly with the credit reporting agencies and creditors, the inaccuracies and fraudulent activity persist. I have sent dispute letters requesting the deletion of these accounts and erroneous data, but the responses have been inadequate or non-compliant with federal regulations under the Fair Credit Reporting Act ( FCRA ). 

I am deeply concerned about the security of my personal information and the long-term effects of this breach. This situation has caused significant stress, financial harm, and damage to my creditworthiness. I have been denied credit, faced higher interest rates, and spent countless hours trying to rectify the situation. 

I am requesting the assistance of the Federal Trade Commission and the relevant authorities to investigate this breach, ensure compliance with consumer protection laws, and help me restore my financial integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: GA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: TN

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 account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: GA

Complaint narrative:
Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of - Public Record : XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX - Creditor : XXXX XXXX Date XXXX Current Status : Collection Amount : {$38000.00} - Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Collection Amount : {$4000.00} - Creditor : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Date Reported : XX/XX/XXXX Current Status : Charged off Amount : {$88.00} - Creditor : XXXX Date Reported : XX/XX/XXXX Current Status : Collection Amount : {$2000.00} - Creditor : XXXX XXXXXXXX Date Reported : XX/XX/XXXX Current Status : Collection Amount : {$1100.00} Inquires : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-12-20 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: GA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-12-20 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: GA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: NH

Complaint narrative:
I pay my mortgage BI-weekly, and it is enough to cover my full monthly payment ; I am certain my second payment is always processed before the deadline. Rocket Mortgage is charging me a {$65.00} late fee X 2, and I am on time. 

The escrow amounts keep rising without any notice, so my scheduled payments are not enough to cover. 

Payment XX/XX/XXXX {$1100.00} Payment XX/XX/XXXX {$1100.00} XXXX the full payment in full prior to the cutoff. 

Prior month XX/XX/XXXX and XXXX for payment in full

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
This letter is in response to a recent phone conversation initiated by the Claimant with TransUnion on XX/XX/year>. 
Please be advised that the RESPONDENT appears to be investigating all accounts in retaliation for multiple CFPB complaints submitted by the Claimant. This action seems to be an attempt to remove positive account information from the Claimant 's consumer report, causing undue distress. 
It is my contention that RESPONDENT does not have the right or permission to investigate accounts that are positively reporting and where no dispute was initiated by the Claimant. Accordingly, I request that you immediately cease the investigation of all accounts except those reporting adverse information that the Claimant has formally disputed. Please see attached NOTICE dated XX/XX/year> and all attachments for more information. 

Please note that this notice serves solely as clarification and is not intended to extend any ongoing investigation timeframes currently in progress.

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 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
On XX/XX/year> a post was on XXXX the imposter said that a good friend of mine XXXX XXXX of XXXX, XXXX needed help with his father that needed to be placed in a XXXXXXXX XXXX. Showing all his belongings and the pricing. Several friends commented etc. They XXXX XXXX Zelle # XXXX XXXX hacked my phone, obtained bank information and stole {$1500.00} from our account on XX/XX/year> She posed as the sister of XXXX XXXX. Along with other XXXX XXXX, XXXX XXXX. XXXX, I contacted Zelle immediately XXXX spoke to several representatives, stating that they had insurance for this type of fraud/imposters. Finds out this was all a scam, the group is sickening to do this to good people, I filed a police report with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This type of fraud is so violating, hurtful, and terrible to prey on innocent hard-working people. I want my funds returned. Our bank can't do anything about this due to is hacked and the imposters accessed my phone etc. I am very upset and need this money returned to me. I have spoken to my attorney and we are ready to file a law suit against Zelle. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TX

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 2024-12-20 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX Account # : XXXX Balance : {$5200.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$520.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Account # : XXXX Balance : {$40000.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXXXXXX XXXX XXXXXXXX Account # : XXXX Balance : {$110.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account # : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Account # : XXXX Balance : {$970.00} Date Opened : XX/XX/XXXX Account Status : Closed EQUIAFX XXXX Account # : XXXX Balance : {$30000.00} Date Opened : XX/XX/XXXX Account Status : Closed UNAUTHORIZED INQUIRIES Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XX/XX/XXXXaccount [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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