vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: MN

Complaint narrative:
I am writing to dispute fraudulent information on my credit report. Upon reviewing my credit report, I discovered several accounts and addresses that do not belong to me. The fraudulent information includes the following : Fraud Names : - 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 XXXXXXXX Fraud Accounts : XXXX. XXXX XXXX  - Account number XXXX XXXX. XXXX XXXX - Account number XXXX XXXX. XXXX XXXX  - Account number XXXX XXXX. XXXX XXXX XXXX - Account number XXXX XXXX. XXXX XXXX XXXX  - Account number XXXX Additionally, there is a record of XXXX XXXX XXXX discharged with the reference number XXXX. This bankruptcy does not belong to me and is a result of identity theft. 

I request that you investigate these fraudulent items and remove them from my credit report immediately. This information is damaging my credit score and is affecting my ability to obtain credit. 

Please note that the inclusion of this fraudulent information violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I am entitled to a fair and accurate credit report, which includes the removal of fraudulent information. 

I have also filed a report with the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. I can provide this report to you upon request. 

Please inform me of the actions you will take to resolve this matter. You can reach me at XXXX to discuss this further. 

Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2024-02-22 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: MN

Complaint narrative:
I am writing to dispute fraudulent information on my credit report. Upon reviewing my credit report, I discovered several accounts and addresses that do not belong to me. The fraudulent information includes the following : Fraud Names : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX Fraud Addresses : - 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  Fraud Accounts : XXXX. XXXX XXXX  - Account number XXXX XXXX. XXXX XXXX - Account number XXXX XXXX. XXXX XXXX  - Account number XXXX XXXX. XXXX XXXX XXXX - Account number XXXX XXXX. XXXX XXXX XXXX  - Account number XXXX Additionally, there is a record of XXXX XXXX bankruptcy discharged with the reference number XXXX. This bankruptcy does not belong to me and is a result of identity theft. 

I request that you investigate these fraudulent items and remove them from my credit report immediately. This information is damaging my credit score and is affecting my ability to obtain credit.

Please note that the inclusion of this fraudulent information violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I am entitled to a fair and accurate credit report, which includes the removal of fraudulent information.

I have also filed a report with the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. I can provide this report to you upon request.

Please inform me of the actions you will take to resolve this matter. You can reach me at XXXX to discuss this further. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: GA

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and Equifax credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
So I have an account with Capital One bank and XXXX XXXX I suspect my XXXX XXXX was hacked because I got an alert that said it was being used on a new device, I reviewed my bank statement and discovered from XXXX XXXX XXXX XXXX transactions over XXXX dollars had been taken without my consent, I received multiple emails from capital one warning of fraud on my account yet somehow all of the transactions have gone through. I've contacted both institutions and both have denied my claims and told me no this wasn't fraud when in fact it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: MA

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than XXXX  days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

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 2024-02-22 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: HI

Complaint narrative:
I am writing to you to address a longstanding issue regarding my XXXX XXXX credit card account. To provide context, I have been a victim of identity theft, which has caused considerable distress and financial hardship. 

I discovered unauthorized activity on my XXXX XXXX credit card account. Upon further investigation, it became evident that I had fallen victim to identity theft, with the perpetrator racking up a substantial balance on the card. Unfortunately, by the time I became aware of the situation, the account had already been delinquent and eventually charged off.

In response to this egregious breach, I took immediate action to rectify the situation. I froze my credit reports with all major bureaus, filed a comprehensive identity theft report, and invested in credit monitoring services, among other precautionary measures. Despite my efforts, the delinquency status of the account continued to plague my credit report, causing significant distress and hindering my financial prospects. 

Recognizing the urgency of the matter, I endeavored to dispute the erroneous charges and clear my name of any wrongdoing. Regrettably, my attempts were met with frustration and roadblocks at every turn. Despite successfully having the account removed from my credit report initially, it was later reinserted without just cause.

In pursuit of a resolution, I engaged in extensive correspondence with both XXXX XXXX and the credit bureaus. XXXX XXXX conducted an investigation into the matter and ultimately ruled in my favor, issuing a reimbursement check and providing assurances that the erroneous entry would be expunged from my credit report. However, despite their acknowledgment of the error, the account remains stubbornly entrenched on my report.

Conversely, when I liaise with the credit bureaus, I am met with a similar impasse. They insist that the responsibility lies with XXXX XXXX for failing to report accurate information, absolving themselves of any culpability in the matter.

This cyclical exchange of blame has left me in a state of exasperation and financial uncertainty. I implore your intervention in resolving this protracted dispute, as it is adversely impacting my creditworthiness and overall financial well-being.

Enclosed, please find documentation detailing the timeline of events, including dates, amounts, and actions taken by both myself and XXXX XXXX. I trust that with your assistance, we can bring about a swift and equitable resolution 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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am writing to you to address a longstanding issue regarding my XXXX XXXX credit card account. To provide context, I have been a victim of identity theft, which has caused considerable distress and financial hardship. 

I discovered unauthorized activity on my XXXX XXXX credit card account. Upon further investigation, it became evident that I had fallen victim to identity theft, with the perpetrator racking up a substantial balance on the card. Unfortunately, by the time I became aware of the situation, the account had already been delinquent and eventually charged off.

In response to this egregious breach, I took immediate action to rectify the situation. I froze my credit reports with all major bureaus, filed a comprehensive identity theft report, and invested in credit monitoring services, among other precautionary measures. Despite my efforts, the delinquency status of the account continued to plague my credit report, causing significant distress and hindering my financial prospects.

Recognizing the urgency of the matter, I endeavored to dispute the erroneous charges and clear my name of any wrongdoing. Regrettably, my attempts were met with frustration and roadblocks at every turn. Despite successfully having the account removed from my credit report initially, it was later reinserted without just cause.

In pursuit of a resolution, I engaged in extensive correspondence with both XXXX XXXX and the credit bureaus. XXXX XXXX conducted an investigation into the matter and ultimately ruled in my favor, issuing a reimbursement check and providing assurances that the erroneous entry would be expunged from my credit report. However, despite their acknowledgment of the error, the account remains stubbornly entrenched on my report.

Conversely, when I liaise with the credit bureaus, I am met with a similar impasse. They insist that the responsibility lies with XXXX XXXX for failing to report accurate information, absolving themselves of any culpability in the matter. 

This cyclical exchange of blame has left me in a state of exasperation and financial uncertainty. I implore your intervention in resolving this protracted dispute, as it is adversely impacting my creditworthiness and overall financial well-being. 
Enclosed, please find documentation detailing the timeline of events, including dates, amounts, and actions taken by both myself and XXXX XXXX. I trust that with your assistance, we can bring about a swift and equitable resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX LAST XXXX OF SSN # XXXX XX/XX/2024 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Credit Agency, I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

Violation # 1 XXXX XXXX XXXX XXXX HARD INQUIRY XXXX XXXX XXXX XXXX  According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-02-22 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: TX

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than XXXX  days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SG and Associates
State: MD

Complaint narrative:
I do not have a debt with the XXXX XXXX. They called me on XXXX seperate occasions XXXX, XX/XX/XXXX twice, XX/XX/XXXX and XX/XX/XXXX. Then on XXXX/XXXX they called my son, daughter and ex-wife saying they were looking for me becasue of an urgent legal matter. They have not provided any documentation of the debt that they say I owe.

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 2024-02-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as 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 non-monetary relief
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
To : Credit acceptance CORP Account # XXXX Dear Credit acceptance CORP This letter is to formally dispute the debt you are attempting to collect from me and your subsequent inclusion of this disputed debt on my credit report. I am writing to you specifically concerning your actions in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including : 12 C.F.R. 1006.34 ( b ) ( 5 ) : This regulation requires you to send a validation notice within XXXX days of initial communication concerning the alleged debt. I have not received such a notice. 
12 C.F.R. 1006.34 ( c ) ( 4 ) ( i ) ( ii ) : What you claim the debt is valid based on? However, I dispute this claim for the following reasons : Not my Account.

12 C.F.R. 1006.34 ( g ) and 15 U.S.C. 1681-1687 : By placing this disputed debt on my credit report before providing a proper validation notice and verifying its accuracy, you have violated both the FDCPA and the FCRA. Additionally, your claim that you have " no authority to furnish any account to a consumer report agency required by law '' is misleading and misrepresents your actions.

Therefore, I demand the following immediate actions : Cease all collection efforts related to this disputed debt.

Remove the debt from my credit report with credit bureau ( XXXX ). 
Provide written confirmation of both actions within XXXX days of receiving this letter. 
Please be aware that if you fail to comply with my demands, I will be forced to pursue further legal action against you, which may include reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and/or filing a lawsuit in civil court. 


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 2024-02-22 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:
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, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Credit Agency, I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 
Violation # XXXX XXXX XXXX XXXX - XXXX HARD INQUIRY XXXX XXXX XXXX XXXXXXXX According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 
Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 
In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 
Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 
Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with explanation