vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 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: NV

Complaint narrative:
I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries associated with my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries were not authorized by me. 
XXXX Accounts : XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} Fraudulent Inquiries : XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Fin - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX A - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - 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 2024-11-28 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-11-28 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: TX

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report as a result of identity theft from a recent data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting the removal of the following accounts and inquiries from my credit file : XXXX Accounts : XXXX Account XXXX. : XXXX Open Date : XX/XX/XXXX | XXXX : {$XXXX} XXXX Account XXXX. : XXXX Open Date : XX/XX/XXXX | Balance : {$XXXX} XXXX XXXX XXXX Account No. : XXXX Open Date : XX/XX/XXXX | XXXX : {$XXXX} XXXX Account XXXX. : XXXX Open Date : XX/XX/XXXX | Balance : {$XXXX} Fraudulent 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: TX

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report as a result of identity theft from a recent data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting the removal of the following accounts and inquiries from my credit file : XXXX Accounts : XXXX Account XXXX. : XXXX Open Date : XX/XX/XXXX | XXXX : {$XXXX} XXXX Account XXXX. : XXXX Open Date : XX/XX/XXXX | Balance : {$XXXX} XXXX XXXX XXXX Account No. : XXXX Open Date : XX/XX/XXXX | XXXX : {$XXXX} XXXX Account XXXX. : XXXX Open Date : XX/XX/XXXX | Balance : {$XXXX} Fraudulent 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

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 2024-11-28 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: KY

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following entries on my credit report were not authorized by me and are fraudulent. 
Fraudulent Account : XXXX. XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: KY

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following entries on my credit report were not authorized by me and are fraudulent.

Fraudulent Account : XXXX. XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. Transcend XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, 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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft following a recent data breach involving XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX & XXXX XXXX Breach XXXX between XXXX and XXXX. My personal information, which was compromised in this breach, has been fraudulently used without my knowledge or consent.The leaked data from XXXX and XXXX XXXX XXXX XXXXncluded the exact types of personal information needed to open accounts I would like to have the following accounts removed from 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 2024-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, Chase Bank closed my bank account. They said they had mailed me the balance in my account via check. I never received the check. I called several times and they told me that my check had been cashed. If I could prove that the check was not cashed by me or my family, then I had to authorize them to recover it ( I will upload all relevant information including the inquiry number of the letter they mailed to me at that time ). Until now, XX/XX/XXXX, I still haven't received any news. 
In addition : My authorization letter has been mailed in XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: NC

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries on my credit report were not authorized by me : XXXX Accounts : XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} XXXX. XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} Fraudulent Inquiries : XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, 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 2024-11-28 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I XXXX & # XXXX ; t understand how they usually say that these accounts are mine I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-11-28 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don & # 39 ; t understand how they usually say that these accounts are mine I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Dear CFPB, On XX/XX/XXXX I applied for a XXXX XXXX Credit card with American Express under XXXX XXXX. Over the past 3 months they have requested IRS XXXX XXXX multiple times to be sent to a third party for processing. I have provided the form and received email confirmation on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called American Express after each instance to confirm receipt and ask if there was any issue with the form. Their response is the third party would blindly reject and I have to resubmit until they accept. This is unacceptable behavior and an extra step Amex is forcing consumers to jump through. 

Please note I have submitted the same form requesting the same information for previous applications that have been processed without issue. Amex has this information in their system already. They are refusing to check their system and putting the burden on the consumer at the same time passing the responsibility to a third party for processing. I fully expect the endless loop to continue until a regulator forces them to change their process. 

I have submitted the form for a fifth time today. With your help I am looking forward to a quick resolution. 

Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: MI

Complaint narrative:
XXXX  XXXX is furnishing incorrect and incomplete account names, account numbers, payment histories, original creditor, company sold, account type, balance and term information with my nonpublic personal information to consumer reporting agencies. I have previously communicated this to XXXX XXXX. 

I read articles published by the Consumer Financial Protection Bureau ( CFPB ), which helped me find regulations that govern XXXX  XXXX and can assist me under the Consumer Credit Protection Act ( CCPA ). 

The Fair Credit Reporting Act ( FCRA ) excludes a consumer report from containing information solely as to transactions or experiences between the consumer and the person making the report The act further excludes a consumer report from containing any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

In this case, I am the consumer and XXXX XXXX is the person making reports to consumer reporting agencies. According to the FCRA, XXXX XXXX is excluded from reporting information of any transactions, experiences, authorizations or approvals of an extension of credit on my consumer report. Why then are they furnishing my nonpublic personal information? 

I have previously communicated to XXXX XXXX that they are reporting inaccurate information. XXXX XXXX failed to notify me of negative information being added to my consumer report at any time. XXXX XXXX has failed to investigate, correct or delete inaccurate, incomplete, or unverifiable information, yet I am not in receipt of anything suggesting that my disputes were frivolous. 

The FCRA prohibits unauthorized disclosure to unauthorized parties. XXXX XXXX has provided credit reports containing my nonpublic personal information to third parties that have not been authorized by me. A ripple effect has been created, as non-affiliated consumer reporting agencies have received and disclosed information pertaining to me from 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 2024-11-28 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: MI

Complaint narrative:
XXXX  XXXX is furnishing incorrect and incomplete account names, account numbers, payment histories, original creditor, company sold, account type, balance and term information with my nonpublic personal information to consumer reporting agencies. I have previously communicated this to XXXX XXXX. 

I read articles published by the Consumer Financial Protection Bureau ( CFPB ), which helped me find regulations that govern XXXX  XXXX and can assist me under the Consumer Credit Protection Act ( CCPA ). 

The Fair Credit Reporting Act ( FCRA ) excludes a consumer report from containing information solely as to transactions or experiences between the consumer and the person making the report The act further excludes a consumer report from containing any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

In this case, I am the consumer and XXXX XXXX is the person making reports to consumer reporting agencies. According to the FCRA, XXXX XXXX is excluded from reporting information of any transactions, experiences, authorizations or approvals of an extension of credit on my consumer report. Why then are they furnishing my nonpublic personal information? 

I have previously communicated to XXXX XXXX that they are reporting inaccurate information. XXXX XXXX failed to notify me of negative information being added to my consumer report at any time. XXXX XXXX has failed to investigate, correct or delete inaccurate, incomplete, or unverifiable information, yet I am not in receipt of anything suggesting that my disputes were frivolous. 

The FCRA prohibits unauthorized disclosure to unauthorized parties. XXXX XXXX has provided credit reports containing my nonpublic personal information to third parties that have not been authorized by me. A ripple effect has been created, as non-affiliated consumer reporting agencies have received and disclosed information pertaining to me from XXXX XXXX.

Company response to consumer: Closed with explanation