vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Violation Complaint Against TransUnion Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for a violation of the Fair Credit Reporting Act 1681n. Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Upon reviewing my credit report through AnnualCreditReport.com , I discovered that my rental payments for XXXX, XXXX, and XXXX have not been updated for over XXXX months. This lack of update affects the accuracy of my credit report and, consequently, my creditworthiness. 

Additionally, I contacted TransUnion 's customer service regarding this issue, and a representative informed me that my account would only be updated on XX/XX/year>. Such a delay is unacceptable and appears to contravene the obligations set forth by the FCRA to ensure that credit reporting agencies maintain accurate and timely information. 

I kindly request that your agencies look into this matter and take appropriate action against TransUnion for their failure to comply with federal regulations. 

Thank you for your attention to 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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear CFPB Leadership, I am writing to express my concern regarding the inadequate security measures currently provided by the three major credit bureausExperian, Equifax, and XXXX. These organizations, which store sensitive and critical financial information on nearly every XXXX, do not offer the level of security consumers should reasonably expect to protect their accounts. 

Shockingly, not all of these bureaus even offer basic two-factor authentication ( 2FA ) via SMS, let alone more secure options like authenticator apps ( e.g., XXXX XXXX XXXX XXXX ). In cases where SMS-based 2FA is available, it is often difficult to locate and enable. This lack of robust security measures is unacceptable, particularly given the severe consequences of unauthorized access to credit reports and the growing threat of cyberattacks such as SIM-swapping and credential theft.

To address these vulnerabilities, I urge the CFPB to consider drafting and enforcing policies that require credit bureaus to : Implement and offer 2FA options through authenticator apps in addition to SMS-based authentication.

Ensure that all consumers can easily access and enable these security measures, with clear and transparent instructions.

Standardize security practices across all credit bureaus to provide a baseline level of consumer protection.

It is unacceptable that companies entrusted with such critical data remain behind the curve in adopting modern security practices. These changes are urgently needed to safeguard consumers and prevent further erosion of trust in the credit reporting system.

I respectfully request that the CFPB prioritize this issue and take decisive action to enforce stronger consumer account security standards for all credit bureaus. Thank you for your attention to this important matter, and I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: PA

Complaint narrative:
Dear CFPB Leadership, I am writing to express my concern regarding the inadequate security measures currently provided by the three major credit bureausExperian, XXXX, and XXXX. These organizations, which store sensitive and critical financial information on nearly every XXXX, do not offer the level of security consumers should reasonably expect to protect their accounts.

Shockingly, not all of these bureaus even offer basic two-factor authentication ( 2FA ) via SMS, let alone more secure options like authenticator apps ( e.g., XXXX XXXX XXXX XXXX ). In cases where SMS-based 2FA is available, it is often difficult to locate and enable. This lack of robust security measures is unacceptable, particularly given the severe consequences of unauthorized access to credit reports and the growing threat of cyberattacks such as SIM-swapping and credential theft.

To address these vulnerabilities, I urge the CFPB to consider drafting and enforcing policies that require credit bureaus to : Implement and offer 2FA options through authenticator apps in addition to SMS-based authentication.

Ensure that all consumers can easily access and enable these security measures, with clear and transparent instructions.

Standardize security practices across all credit bureaus to provide a baseline level of consumer protection.

It is unacceptable that companies entrusted with such critical data remain behind the curve in adopting modern security practices. These changes are urgently needed to safeguard consumers and prevent further erosion of trust in the credit reporting system.

I respectfully request that the CFPB prioritize this issue and take decisive action to enforce stronger consumer account security standards for all credit bureaus. Thank you for your attention to this important matter, and I look forward to your response.

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 2024-11-17 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX SSN XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX 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 a personal credit card account opened at CITIBANK CBNA on XX/XX/XXXX under the account number XXXX This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a 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 2024-11-17 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: FL

Complaint narrative:
I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed 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 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  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must comply with the FCRA 's permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

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 2024-11-17 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: FL

Complaint narrative:
I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed 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 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  SS XXXX I WOULD LIKE A SECURITY FREEZE ON MY FILES WITH ALL THE CREDIT BUREAUS XXXX XXXX XXXX XXXXXXXX XXXX, EXPERIAN I WOULD LIKE A PIN NUMBER TO ACCESS MY FILE AS SOON A POSSIBLE.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I WOULD LIKE A SECURITY FREEZE ON MY FILES WITH ALL THE CREDIT BUREAUS XXXX XXXX XXXX LEXIS NEXIS, XXXX I WOULD LIKE A PIN NUMBER TO ACCESS MY FILE AS SOON A POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe are a result of identity theft. I have recently discovered that my personal information has been compromised, leading to unauthorized accounts and transactions being opened in my name without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: MS

Complaint narrative:
I received a copy of my credit report and found errors and inaccuracies with my personal information. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my 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 non-monetary relief
Consumer complaint received 2024-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear CFPB Leadership, I am writing to express my concern regarding the inadequate security measures currently provided by the three major credit bureausExperian, XXXX, and TransUnion. These organizations, which store sensitive and critical financial information on nearly every XXXX, do not offer the level of security consumers should reasonably expect to protect their accounts. 

Shockingly, not all of these bureaus even offer basic two-factor authentication ( 2FA ) via SMS, let alone more secure options like authenticator apps ( e.g., XXXX XXXX XXXX XXXX ). In cases where SMS-based 2FA is available, it is often difficult to locate and enable. This lack of robust security measures is unacceptable, particularly given the severe consequences of unauthorized access to credit reports and the growing threat of cyberattacks such as SIM-swapping and credential theft.

To address these vulnerabilities, I urge the CFPB to consider drafting and enforcing policies that require credit bureaus to : Implement and offer 2FA options through authenticator apps in addition to SMS-based authentication.

Ensure that all consumers can easily access and enable these security measures, with clear and transparent instructions.

Standardize security practices across all credit bureaus to provide a baseline level of consumer protection.

It is unacceptable that companies entrusted with such critical data remain behind the curve in adopting modern security practices. These changes are urgently needed to safeguard consumers and prevent further erosion of trust in the credit reporting system. 

I respectfully request that the CFPB prioritize this issue and take decisive action to enforce stronger consumer account security standards for all credit bureaus. Thank you for your attention to this important matter, and I look forward to your response.

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 2024-11-17 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 Medical information was hacked earlier this year and the company that was hacked recommended that we put a Fraud Alert on our three credit reports. We have frozen are report and placed a fraud alert on all three places. I asked one of the credit report services to send me a current report so I could check for any problems. The one I received showed a Negative Account Activity for an internet supplier. It was past due for the amount of {$200.00}, since XXXXXXXX XXXX. The report also shows a new address that's located in XXXX and I live in XXXX  I have no connections to anyone at that address.The internet company sent me a ID Theft Information Form to fill out and send back to verify who I am. They wanted a police report or contact you at your web site. I believe the that someone used my name to set up an internet account. I've never received any communications from the collection service either.

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 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Problem began in XXXX of 2023 when my Advantage Aviator XXXX XXXX XXXX XXXX was hacked, all contact information changed and several fraudulent charges made to it. It took some time to prove that I was the owner of that account, last XXXX XXXX. I made a payment of {$800.00} to close that account and heard nothing more from Barclays until I started receiving Emails and phone calls demanding payment for the account, last XXXX XXXX. I hav attempted to resolve the situation by mail with Barclays, stating that I knew nothing of that account, had no notification that it had been opened in my name, received no credit cards to that account and had made no charges to it. I had intended to have no further dealings with Barclays after the last card was hacked. To date, despite several letters to Barclays over the past months there has been no explanation from them as to the ongoing situation but continued requests by Email for payment. Also phone calls allegedly from Barclays which I do not answer as I am not certain they originate from Barclays. Hopefully, you will be able to obtain some resolution to the problem.

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 monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XXXX XXXX, XXXX  around XXXX I called Western Union `` W.E. '' ( XXXX ) to request a refund/replacement money order due to my financial institution not accepting the money order. The " W.E. '' representative " XXXX ' communicated it will take 30 days to look into it and I will receive a check within 45-60 days. 
On XXXX XXXXXXXX XXXX, over 60 days later, around XXXX after not receiving a check or any form of communication from " W.E. '' I called back and spoke with " XXXX '' who informed me she did not see any escalation process on her end and they do not escalate refunds over the phone, I would have to go online to request a refund. At that point I asked for a supervisor. Over an hour later after being placed on hold a supervisor " XXXX '' attended me and confirmed I was given false information from the agents. I gave her my information and she said she will call me back after 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe are a result of identity theft. I have recently discovered that my personal information has been compromised, leading to unauthorized accounts and transactions being opened in my name without my consent.

Company response to consumer: Closed with non-monetary relief