vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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: MI

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report, as I am a victim of identity theft resulting from a data breach. 
Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the blocking and removal of any information resulting from fraudulent transactions. The accounts and inquiries below are not authorized by me, and I have no knowledge of them : Fraudulent Accounts : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$200.00} XXXX. XXXX XXXX  - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$220.00} Fraudulent Inquiries : XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/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 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
I am submitting this complaint regarding an unresolved identity theft claim and unauthorized transaction on my Chime bank account ending in XXXX, totaling {$2800.00}. I initially reported this unauthorized transaction in XX/XX/year> under Claim ID : XXXX. Despite providing clear evidence of fraudincluding a police report and an FTC Identity Theft Report that verify my phone and bank card were stolen and last tracked to XXXX XXXX, a location with which I have no associationChime has failed to issue a refund or provide any substantiating evidence from their investigation. This has required me to reopen this claim XXXX times without resolution, resulting in ongoing financial and emotional distress. Violation of Consumer Rights Under EFTA and Request for Damages : Failure to Investigate and Refund Promptly : Under 15 U.S.C. 1693f of the EFTA and Regulation E ( 12 CFR 1005.11 ), financial institutions are required to investigate unauthorized transactions promptly and, if unresolved within ten business days, issue provisional credit. Despite receiving multiple forms of documented evidenceincluding a police report and an FTC Identity Theft Report that detail my stolen phone and bank cards unauthorized use at XXXX XXXXChimes repeated failure to comply has caused significant hardship. The unauthorized {$2800.00} remains unresolved and unreimbursed, impacting my financial stability. Failure to Provide Evidence of Their Investigation : Under the EFTA and Regulation E, financial institutions must provide clear documentation of any evidence used in their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX XXXX XXXX I rented a car with XXXX XXXX XXXX at the XXXX airport, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I returned the car XXXX XXXX XXXX and paid with my Discover Credit Card for a total on XXXX. 

There is a fraudulent charge on my Discover Card for a car rental from XXXX XXXX purchase by a renter XXXX XXXX for {$490.00}, from XXXX XXXX XXXX. The XXXX rental location is the XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I did not make this purchase and I do not know a XXXX XXXX. 

I filled a dispute with Discover which was not resolved in my favor. I have also filled a report with the XXXX Police depart for credit card fraud, # XXXX. I have tried to contact the XXXX rental location, but they will not rent my calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: GA

Complaint narrative:
Dear TransUnion, XXXX, XXXX, XXXX, XXXX XXXX  This letter serves as a final demand regarding your failure to remove inaccurate records from your screening reports. Despite previous assurances that these records would be deleted, they continue to appear when companies conduct screenings. This constitutes willful misrepresentation and a violation of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Your failure to resolve this matter has already prompted me to escalate my complaint beyond the Consumer Financial Protection Bureau ( CFPB ) to organizations such as the Federal Trade Commission ( FTC ) and legal authorities specializing in consumer protection violations. I am also preparing to involve legal counsel to hold you fully accountable for the ongoing harm caused by your inaction. 

I demand the following actions immediately : XXXX. Full removal of all inaccurate or negative records associated with my file. Cases to Be Expunged ( Case Numbers ) : XXXX XXXX XXXX XXXX ALL OF THESE ARE DISMISSED I DONT OWE ANY COMPANY REMOVE IMMEDIATELY. 
XXXX. Written confirmation that these records have been permanently deleted. 
XXXX. An official acknowledgment that I am opted out of any and all negative reporting. 

Should you fail to comply with this demand, I will proceed with further action, including litigation and reporting to additional federal authorities. This is your final opportunity to resolve this issue without significant legal consequences. 

I expect immediate confirmation of these corrections. 

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear XXXX, XXXX, Experian, XXXX, XXXX XXXX This letter serves as a final demand regarding your failure to remove inaccurate records from your screening reports. Despite previous assurances that these records would be deleted, they continue to appear when companies conduct screenings. This constitutes willful misrepresentation and a violation of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Your failure to resolve this matter has already prompted me to escalate my complaint beyond the Consumer Financial Protection Bureau ( CFPB ) to organizations such as the Federal Trade Commission ( FTC ) and legal authorities specializing in consumer protection violations. I am also preparing to involve legal counsel to hold you fully accountable for the ongoing harm caused by your inaction. 

I demand the following actions immediately : XXXX. Full removal of all inaccurate or negative records associated with my file. Cases to Be Expunged ( Case Numbers ) : XXXX XXXX XXXX XXXX ALL OF THESE ARE DISMISSED I DONT OWE ANY COMPANY REMOVE IMMEDIATELY. 
XXXX. Written confirmation that these records have been permanently deleted. 
XXXX. An official acknowledgment that I am opted out of any and all negative reporting. 

Should you fail to comply with this demand, I will proceed with further action, including litigation and reporting to additional federal authorities. This is your final opportunity to resolve this issue without significant legal consequences. 

I expect immediate confirmation of these corrections. 

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 2024-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I came prepared to the citizens bank to open an account and the bank refused. They were advised by my parent no to open my account. She has a personal relationship with them. They said theyd send me a letter in ten days and they didnt. In fact, they sent me a letter stating that they couldnt wait to do business with me but XXXX ; the bank manager had already advised me to close out my account. Now they are trying to charge me for a device that has never been used and they are not allowing me to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis company providing wrong ConsumerReport and damaging my ability to have car insurance. 
1 ) Report stated Car Accident XX/XX/XXXX, in XXXX in XXXX and during entire XXXX there were no ever any car accidents with me or my car involved, the last car accident was in XXXX where my vechicle was stollen 2 ) LexisNexis stating thats both employers XXXX XXXX XXXX and XXXX XXXX XXXX is not active companies - its also wrong information both companies active, filing taxes, pays states certificates each year renewal - LexisNexis providing wrong information 3 ) Lexis Nexis providing Wrong Parking Ticket from XXXX XXXX Nevada more then 3 years - the Ticket was dismissed by XXXX - However LexisNexis providing this records on my report and continues damaging my information 4 ) Im also submitted disputes regarding XXXX ticket thats also was dismissed this year, however LexisNexis providing wrong information and keep incorrect records on my Consumer Report, Thats leads to increasing my insurance, and wrong information to Lenders as well. 
LexisNexis company not able to maintain and update right information, so this company cant waste people time and money to filing disputes, and waiting when company be able to fix errors thats they making. Why my consumer report cant be handled by XXXX for driver records, or Credit Bureaus like XXXX, at least XXXX always giving correct valid information, and XXXX also making good work. 
As I found out LexisNexis company damaging a lot of people reports, not only mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/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 2024-11-23 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:
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 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 2024-11-23 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:
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 non-monetary relief
Consumer complaint received 2024-11-23 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: GA

Complaint narrative:
Dear TransUnion, This letter serves as a final demand regarding your failure to remove inaccurate records from your screening reports. Despite previous assurances that these records would be deleted, they continue to appear when companies conduct screenings. This constitutes willful misrepresentation and a violation of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Your failure to resolve this matter has already prompted me to escalate my complaint beyond the Consumer Financial Protection Bureau ( CFPB ) to organizations such as the Federal Trade Commission ( FTC ) and legal authorities specializing in consumer protection violations. I am also preparing to involve legal counsel to hold you fully accountable for the ongoing harm caused by your inaction. 

I demand the following actions immediately : XXXX. Full removal of all inaccurate or negative records associated with my file. Cases to Be Expunged ( Case Numbers ) : XXXX XXXX XXXX XXXX ALL OF THESE ARE DISMISSED I DONT OWE ANY COMPANY REMOVE IMMEDIATELY. 
XXXX. Written confirmation that these records have been permanently deleted. 
XXXX. An official acknowledgment that I am opted out of any and all negative reporting. 

Should you fail to comply with this demand, I will proceed with further action, including litigation and reporting to additional federal authorities. This is your final opportunity to resolve this issue without significant legal consequences. 

I expect immediate confirmation of these corrections. 

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 2024-11-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint Regarding Equifax Data Breach To Whom It May Concern, I am writing to formally submit a complaint regarding the data breach that occurred at Equifax in 2017, which has resulted in the exposure of my personal information. This breach has led to the creation of wrongful accounts on my credit report and I am requesting immediate action to have theses accounts deleted. 

Details of the Breach : I was made aware of the Equifax data breach through from an email Equifax had sent on XX/XX/year>. The breach has potentially compromised sensitive personal information, including my name, address, Social Security number, and other identifying information. 

Impact : As a result of this breach, I am concerned about the risk of identity theft and fraud. I have taken steps to mitigate this risk. However, I still feel vulnerable and seek further assistance. I am requesting the CFPB to investigate and delete all the wrongful accounts. I believe Equifax has a legal obligation to rectify this situation and protect consumers from the consequences of their data breach. 

Request for Action : I am requesting that the CFPB investigate Equifax 's handling of this data breach and the subsequent impact on consumers like myself. I believe that Equifax has a responsibility to protect consumer information and to provide timely notifications and support to those affected by such breaches. I'm demanding that the following accounts be taken off my credit report immediately Accounts : 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  Thank you for your attention to this matter. I look forward to your prompt response and any assistance you can provide regarding this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: NC

Complaint narrative:
Hello All, The following hard inquiries are fraudulent and doesn't belong to me and need to be removed please. 

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  Thank you Best Regad

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear XXXX, Equifax, XXXX, XXXX, Tenant Screening This letter serves as a final demand regarding your failure to remove inaccurate records from your screening reports. Despite previous assurances that these records would be deleted, they continue to appear when companies conduct screenings. This constitutes willful misrepresentation and a violation of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Your failure to resolve this matter has already prompted me to escalate my complaint beyond the Consumer Financial Protection Bureau ( CFPB ) to organizations such as the Federal Trade Commission ( FTC ) and legal authorities specializing in consumer protection violations. I am also preparing to involve legal counsel to hold you fully accountable for the ongoing harm caused by your inaction. 

I demand the following actions immediately : XXXX. Full removal of all inaccurate or negative records associated with my file. Cases to Be Expunged ( Case Numbers ) : XXXX XXXX XXXX XXXX ALL OF THESE ARE DISMISSED I DONT OWE ANY COMPANY REMOVE IMMEDIATELY. 
XXXX. Written confirmation that these records have been permanently deleted. 
XXXX. An official acknowledgment that I am opted out of any and all negative reporting. 

Should you fail to comply with this demand, I will proceed with further action, including litigation and reporting to additional federal authorities. This is your final opportunity to resolve this issue without significant legal consequences. 

I expect immediate confirmation of these corrections. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: PA

Complaint narrative:
I pulled my reports and seen some fraudulent hard inquires on then and I need it removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: Alorica Inc.
State: MO

Complaint narrative:
I am writing to formally request the deletion of a specific account from my credit report. The account in question was originally established in XXXX. Between the years XXXX and XXXX, when SST XXXX acquired my account, there were indeed missed payments recorded in XXXX and XXXX. However, SST began reporting this information to credit bureaus starting in XXXX. During a recent conversation regarding this matter, I was informed that SST does not have any historical data regarding the dates of my initial late payments, and I was advised to reach out to XXXX XXXX to obtain any prior account history they XXXX have. This situation seems contradictory, particularly since SST sold the account to XXXX XXXX ; logically, both companies should possess similar records concerning account history and payment status. Furthermore, it is important to note that XXXX no longer reports this account on my credit file, and similarly, XXXX XXXX has ceased reporting as well, given that the balance has been paid off. While it is acknowledged that the account was late in XXXX, I believe that considering the time elapsedseven years since the first reported late paymentthe reasonable course of action would be to delete this account from my credit report. I urge you to review this matter diligently and make the right decision to remove this account, as its presence on my credit report is no longer justified. Thank you for your attention to this request.

Company response to consumer: Closed with explanation