vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists ofa personal credit card opened at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a personal credit card opened at XXXX First opened on XX/XX/XXXX with the account number XXXX, a collections account opened at XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a personal auto loan opened at XXXX opened on XX/XX/XXXX with the account number XXXX, a personal auto loanopened at XXXX XXXX XXXX XX/XX/XXXX with the account number XXXX, a collections account opened at I XXXX Systemsopened on XX/XX/XXXX with the account number XXXX. These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I've attached a list of the hard Inquiries in question as well as a coov of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) and # XXXX ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists ofa personal credit card opened at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a personal credit card opened at XXXX XXXX  opened on XX/XX/XXXX with the account number XXXX, a collections account opened at XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a personal auto loan opened at XXXX opened on XX/XX/XXXX with the account number XXXX, a personal auto loanopened at XXXX XXXX XXXX XX/XX/XXXX with the account number XXXX, a collections account opened at XXXX  XXXX Systemsopened on XX/XX/XXXX with the account number XXXX. These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I've attached a list of the hard Inquiries in question as well as a coov of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) and # XXXX ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-30 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-09-30 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: CA

Complaint narrative:
Received an alert from experian stating that XXXX XXXX had accessed my credit report. 
I did not submit an application and suspected identify theft. I called XXXX XXXX and they stated there was no account with my social or an application submitted. I thanked the person. A week later I got a letter stating the reasons for a credit denial. Once again I called the number on the letter and was once again told there was no inquiry my or account opened. I now have this inquiry in my account and fear an account was opened. I would like this inquiry removed and a letter sent stating I dont have an account. I know XXXX XXXX has previously been sued for opening accounts in their clients names.

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 2024-09-30 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: CA

Complaint narrative:
Transunion is showing a company known as XXXX to the be the originator of a loan I have which is inaccurate. Furthermore, the loan is in a forbearance so it should not be showing as in collections. I have opened several disputes with Transunion and I have contacted XXXX directly and no action has been taken as it relates 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 non-monetary relief
Consumer complaint received 2024-09-30 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: VA

Complaint narrative:
XXXX XXXX XXXX, XXXX : XXXX, XX/XX/XXXX, : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XX/XX/XXXX under the account number XXXX, XXXX Credit Card XX/XX/XXXX under the account number XXXX, XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX, XXXX : XXXX, XX/XX/XXXX, : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX  XX/XX/XXXX under the account number XXXX, XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: TX

Complaint narrative:
I have noticed an unauthorized account on my credit report that does not belong to me. I believe this entry was added without my consent and may be linked to identity theft or fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account in question ** XXXX XXXX XXXX XXXX XXXXXXXX Bank, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Subject : Request for Debt Validation Account Number : { XXXX ] and { XXXX }. XXXX accounts Dear XXXX XXXX XXXX, I am writing to request validation of the debt referenced above, which I understand you are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debt you claim I owe. I request that you provide the following information. 

XXXX. The name of the original creditor. 
XXXX. The amount of the debt. 
XXXX. A detailed explanation of how the debt was calculated. 
XXXX. Any supporting documentation proving that I owe this debt. 
XXXX. Proof that you are legally authorized to collect this debt in my state. 

Please consider this letter a formal dispute of the debt until validation is provided. While awaiting this information, I request that you cease all collection and activity on this account, including reporting this debt to credit bureaus.Please delete from bureaus. 

Thank you for your cooperation in this matter. I look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account in question ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Subject : XXXX for Debt Validation Account Number : { XXXX ] and { XXXX }. XXXX accounts Dear XXXX XXXX XXXX I am writing to request validation of the debt referenced above, which I understand you are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debt you claim I owe. I request that you provide the following information. 

XXXX. The name of the original creditor. 
XXXX. The amount of the debt. 
XXXX. A detailed explanation of how the debt was calculated. 
XXXX. Any supporting documentation proving that I owe this debt. 
XXXX. Proof that you are legally authorized to collect this debt in my state. 

Please consider this letter a formal dispute of the debt until validation is provided. While awaiting this information, I request that you cease all collection and activity on this account, including reporting this debt to credit bureaus.Please delete from bureaus. 

Thank you for your cooperation in this matter. I look forward to receiving the requested documentation. 

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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: London & London
State: CA

Complaint narrative:
Subject : Cease and Desist Collection Efforts Invalid Debt Due to Charge-Off Without 1099-C Filing Account Number : Client Name : XXXX  XXXX To Whom It May Concern, This letter serves as formal notice that I am disputing the validity of the debt your firm is attempting to collect on behalf of XXXX  XXXX. According to my records, this debt was previously marked as " charged off '' by XXXX XXXX, and to date, I have not received a Form 1099-C ( Cancellation of Debt ), which is legally required under federal law when a creditor cancels a debt of {$600.00} or more. The absence of this form indicates that the creditor has not lawfully canceled the debt, yet your firm is now attempting to collect. Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have rights that protect me from unfair, deceptive, and abusive collection practices, as well as inaccurate reporting of debts. Your attempt to collect on a debt that was charged off without a proper 1099-C filing violates both the FDCPA and the IRS requirements , as it creates confusion about the true status of the debt. Your firm may be facilitating deceptive practices, and I am prepared to pursue this matter in court if necessary. Further, this collection attempt violates IRS regulations under 26 U.S.C. 6050P, which requires creditors to file a 1099-C when they have discharged debt. The failure to file this form indicates that your client has either not followed through with the legal charge-off process or is attempting to maintain the collection rights despite not fulfilling their legal obligation to report the cancellation of debt to the IRS and to me. In light of these clear legal violations, I demand that you cease all collection efforts immediately. Additionally, any further attempts to collect on this debt without first correcting the reporting to both the IRS and my credit report will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any applicable bar association regarding your unethical collection tactics. I will also explore all available legal remedies, including a lawsuit for damages, legal fees, and other appropriate relief under both state and federal law. I expect written confirmation within 30 days that you have ceased all collection activities and that your client has either properly issued a 1099-C or will remove the charge-off from my credit report entirely. Failure to comply with these demands will be met with aggressive legal action on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC
State: PA

Complaint narrative:
My credit report shows a collection from your agency. I was never notified of this collection and or given the proper notification in regards to this debt. nor was i given the opportunity to dispute his debt. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. If you feel like you've sent proper notification please send me the certified copy of of the proper notification, proper receipt with my name and signature on it. along with that please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number. 



XX/XX/2024 I've sent a certified copy asking this company to validate this debt is mine. I haven't received a correspondence. According the FCRA this company should have sent a correspondence within 30 days of notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXXXXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$0.00} - charge off XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} - charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$0.00} - charge off XXXX XXXX XXXXXXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} - charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - 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