vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi Experian, I just received copy of my credit report again and I saw this fraud car loan that shall delete from my credit report. I spoke to XXXX XXXX XXXX and I was told that this account is no longer in the system and I have the right to have this inaccurate information delete from my credit report. I would like to exercise my right and have this account delete from my credit report since the original lender advise me this account was a fraud. 
XXXX XXXX sent me the identity theft victim complaint and affidavit which I already sent back to them. 

I am aware that, as per 15 U.S.C. Sec. 1681 i { a }, you are required to reinvestigate or delete this fraudulent account within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was living with friends when I had an unexpected family emergency abroad. I spent XXXX months out of the country and unbeknownst to me, all of my bank accounts were frauded by someone who had access to my belongings. I wasnt aware of any of the actions until recently where I have been trying to open a checking account for my personal use. I keep getting denied and I am being told it is because of fraudulent activity with my past accounts. None of which I did or had any knowledge of. The friend whose house I was staying at, told me there was a break in and that is why my belongings and information were comprised. I do not know what to do now, especially not having access to a checking account for my employment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Enclosed Is FTC Identity Theft Affidavit Report Number : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX XXXX block information appearing on my consumer report that is result of identity theft and fraud within XXXX business days of you receiving this complaint. 

Hard Inquiry Deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have attempted to resolve this issue by reporting the incorrect information, which is negatively impacting my personal life and causing significanXXXX XXXX XXXX. Due to these false and fraudulent entries on my credit report, I have been unable to purchase my dream car or support my family. These items do not belong to me, and I did not authorize any of this information to be included in my report. I am a victim of identity theft. I have included my letter and the FTC report for your reference. If this matter is not addressed appropriately, I will pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Request for immediate deletion for violation of 15 USC Code 1681s-2- I am bringing to your attention a serious violation of the fair credit reporting act FCRA specifically 15 USC code 1681s 2 responsibilities of furnishers of information to consumer reporting agencies by certain creditors listed on my credit report according to section 1681-2 ( B ) furnishers of information to consumer reporting agencies such as the creditor in question I have a legal duty to provide accurate and complete information however after careful review I have identified multiple discrepancies and and accurate information the counts go as follows and after eight months of trying to do this the way that the consumer is supposed to the credit Bureau has failed to do their part and it is a willful intent of unlawfully violating my rights keeping me from my basic human needs housing and starting my business earning an income and I'm also XXXX and the fact that they continue to willfully deny my rights is just another example of why the CFPB is suing them as well for the same unlawful attempt at not reporting accurate information and messing with people 's lives and not allowing the credit reports to be furnished the way that they should and keeping them from obtaining daily life essentials and needs of an American and should not even be allowed to have business opened anymore let alone make billions off of your demise and that's what they're doing and I'm sick and tired of asking them to do their jobs and I'm not going to do it again and I will be getting compensation for this because this has gone way too far and I've had enough the information that they are stating as far as a reinvestigation of those is bogus and I'm going to give you a little insight on that situation according to the 60 news minute news episode of 40 million mistakes by Experian not one human being even touches those reports nor do they have any compliance going on to even abide by the law so the fact that they're saying that it's Been Verified is a bunch of lies and I'm not going to put up with their incompetence any longer .This is iwillfully with the intent to do harm and grounds for civil damages and i intend to collect and want these accounts below removed once and for all for the love of XXXX! 
Account name XXXX XXXX XXXX XXXX XXXX for {$10000.00} which is also past the statue for CA, XXXX XXXX # XXXX for {$1900.00}, XXXX XXXX # XXXX for {$470.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a part of the data breech and the accounts, names, addresses, phone numbers, email address, employment information on my credit report is reporting incorrectly. By right, I have the right to have accurate information reporting on my accounts recorded by XXXX, TransUnion, and 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a part of the data breech and the accounts, names, addresses, phone numbers, email address, employment information on my credit report is reporting incorrectly. By right, I have the right to have accurate information reporting on my accounts recorded by XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I disputed this debt with the credit bureaus because it is medical debt, which is prohibited from being reported on credit reports pursuant to a new rule. Rather than remove this illegally-reported debt upon receiving my dispute, MEDICAL DATA SYSTEMS INC knowingly , intentionally, and maliciously attempted to circumvent the law and cause me further financial harm in violation of CFPB rules by deceptively changing the type of debt from " medical debt '' to " collection. ''

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Permanent Deletion of XXXX  from Credit Report Pursuant to FCRA To Whom It May Concern, I am writing to formally request the permanent deletion of a XXXX  entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) sections 623 ( a ) ( 5 ), FCRA Privacy law, and FCRA section 609 ( a ) ( 1 ) ( a ). Upon reviewing my credit report, I have identified a XXXX  entry that I believe is inaccurate and unfairly impacting my creditworthiness. 
The XXXX  entry in question is as follows : - XXXX  Type : XXXX  XXXX ] - Case Number : XXXX - Date Filed : XX/XX/XXXX - Discharge Date : unknown I assert that the reporting of this XXXX entry violates my rights under the FCRA for the following reasons : 1. FCRA 623 ( a ) ( 5 ) : This section of the FCRA mandates that consumer reporting agencies must block the reporting of any information resulting from identity theft or fraud. I have reason to believe that the XXXX  entry on my credit report is a result of identity theft or fraud, as I have never filed for XXXX. 
2. FCRA Privacy Law : The FCRA protects consumers ' privacy rights by ensuring the accuracy and fairness of information reported by consumer reporting agencies. The inclusion of a XXXX  entry that is not legitimately associated with my identity constitutes a violation of my privacy rights under the FCRA. 
3. FCRA Section 609 ( a ) ( 1 ) ( a ) : This section of the FCRA grants consumers the right to request the deletion of inaccurate or incomplete information from their credit reports. As the XXXX  entry is inaccurate and does not pertain to me, I am exercising my right under this provision to request its permanent deletion from my credit report. 
I demand that you conduct a thorough investigation into the legitimacy of the XXXX  entry and permanently delete it from my credit report within 30 days of receipt of this letter. Failure to comply with this request will result in further legal action to enforce my rights under the FCRA. 
Please provide me with written confirmation once the XXXX  entry has been permanently deleted from my credit report. 
Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
THIS COMPLAINT IS ACOUNT CITIZENS BANK!!!!! 

I purchased an alarm system from XXXX in XX/XX/XXXX with the equipment finance through Citizen 's bank for our new home. The terms were {$66.00} to XXXX once a money and the financing for the Equipment was through Citizens it was another {$68.00} a month. In XX/XX/XXXX I purchase a new camera and charge to the Citizens account. Citizens without my permission opened a completely new line of credit and has been charging separately from the original agreement instead of just adding to the balance. They changed the terms to : {$66.00} to XXXX {$6600.00} to Citizens {$6600.00} to Citizens and have moved my account balance further and further past due even though I pay them every single month. They are now reporting past due to credit and my credit score has take a significant hit because of this unauthorize new account from Citizens I've called Citizen customer service about XXXX times speaking to people who barely speak English and then they transfer me to XXXX who has nothing to do with billing. Recently Citizens announced they no long do business with XXXX at all so no one will assist me with the billing. I spend hours on the phone with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out to formally dispute the inclusion of a XXXX listed on my credit report. I have a court-issued letter that clearly confirms this XXXX  should not have been reported to your agency. Despite this official documentation, the XXXX remains on my report, which is not only inaccurate but also highly concerning. Additionally, there appears to be the involvement of an unauthorized third party in this matter, further complicating the situation and raising serious concerns about the security and accuracy of my credit file. This is a pressing issue that requires immediate attention to ensure my report reflects only accurate and verified information.

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