vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 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:
Dear Equifax, I am writing to formally dispute the inaccurate and erroneous information that you are currently reporting on my credit report and to notify you of multiple violations of the Fair Credit Reporting Act ( FCRA ). The account in question is as follows XXXX XXXX  Account Number : XXXX  Account Status : Closed Original Creditor : XXXX  Balance : {$84.00} Date Opened : XX/XX/year> Status : Account charged off. 
XXXX XXXX XXXX Account Number : XXXX XXXX Account Status : Closed Age of Account : 2 months Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 605B : Blocking Information Resulting from Identity Theft Violation : Despite submitting an FTC Identity Theft Report, a police report, and my verification documents ( drivers license and Social Security card ), Equifax failed to block the disputed information within four business days as required by FCRA 605B.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer as a result of the failure, punitive damages, and attorneys fees.

2. Section 611 : Procedure in Case of Disputed Accuracy Violation : Upon receiving my dispute, Equifax did not conduct a proper reinvestigation of the disputed information within 30 days, as mandated by FCRA 611. Instead, Equifax continued to report the inaccurate information despite clear evidence of identity theft.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees.

3. Double Reporting of the Same Debt Violation : Equifax is currently reporting both the original XXXX account and the new XXXXXXXX XXXX XXXX account for the same debt. This constitutes misleading and unfair reporting, causing undue harm to my credit score.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees.

Requested Action : I request that Equifax take the following actions immediately : 1. Block and remove the XXXX account ( Account Number : XXXX ) from my credit report as per FCRA 605B.

2. Remove the XXXX XXXX XXXX XXXX  account ( Account Number : XXXX XXXX ) from my credit report as it is the same debt as the disputed XXXX account XXXX 
3. Provide written confirmation that these accounts have been removed from my credit report.

Failure to comply with these requests will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek legal advice regarding potential damages for these violations. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: TX

Complaint narrative:
Attached is my statement from this past XXXX in XXXX showing that my original contract with XXXX, financed through XXXXXXXX XXXX, was paid in full with no issues. This new debt that they are trying to put on me is not mine, as I already paid my balance with XXXX through XXXX XX/XX/year>. I dont owe anybody else anything.

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 2024-07-14 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: KY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: KY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( U.S.C 1681c-2 ) that you the credit reporting agencies 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. I do not recognize the aforementioned accounts, collections or hard inquiries as reported

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 2024-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
15 USC 1692-c If a consumer notifies a debt collector that the consumer refuses to pay, the debt collector must cease all communications with the consumer

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
incorrect information in my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
incorrect information in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: KY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: Aldous & Associates, PLLC
State: TN

Complaint narrative:
I am writing to formally dispute an account listed on my XXXX credit report. The details of the account are as follows : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$100.00} Status : Dispute resolved reported by grantor This account was opened when I was under the age of XXXX and, as such, I am not legally liable for this account. I did not authorize this account, nor did I have any involvement with XXXX XXXX at the time this account was allegedly opened. 

I request that the CFPB investigate this matter and ensure that this account is removed from my credit report. I have already attempted to resolve this directly with XXXX XXXX and XXXX without success. 

Enclosed are copies of my identification documents proving my age at the time the account was opened, as well as a copy of my credit report highlighting the disputed account. 

Thank you for your assistance in resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: KY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: KY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: OH

Complaint narrative:
This CFBP 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 results of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent,, inaccurate, and false information consist of a personal credit cad account opened at XXXX XXXXXXXX XXXX with a charge of balance of {$420.00}, an auto loan account opened at XXXX XXXX XXXX XXXX with a charge amount of {$14000.00}. These accounts have resulted on several fraudulent hard inquiries and fraudulent collections appearing on my consul, er FICO credit report. The aforementioned accounts, collections appearing on my consumer credit report maintained by were not opened, made or initiated by me. All of the aforementioned accounts and collections are the results of identity theft and fraud. I have attached a copy of FTC identify Theft Criminal Complaints as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts and collections are the results 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 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: UT

Complaint narrative:
I am trying to have a fraudulent transaction reviewed. US bank automatically closed my dispute without conducting any research. I have provided the requested information by both mail and fax via a local branch and have yet to hear about my dispute being looked into. I already provided all of the relevant information to an agent of the bank on a recorded line which was more than enough information to at least contact the merchant. I don't believe this bank is performing a due diligence when it comes to protecting their clients. I have worked in the credit card industry for 7 years now and US bank needs a full audit of their credit card disputes procedures as the handling of this request has been nothing short of negligent.

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 2024-07-14 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( U.S.C 1681c-2 ) that you the credit reporting agencies 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. I do not recognize the aforementioned accounts, collections or hard inquiries as reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( U.S.C 1681c-2 ) that you the credit reporting agencies 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. I do not recognize the aforementioned accounts, collections or hard inquiries as reported

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 2024-07-14 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: TN

Complaint narrative:
I am writing to formally dispute an account listed on my TransUnion credit report. The details of the account are as follows : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$100.00} Status : Dispute resolved reported by grantor This account was opened when I was under the age of XXXX and, as such, I am not legally liable for this account. I did not authorize this account, nor did I have any involvement with XXXX XXXX at the time this account was allegedly opened. 

I request that the CFPB investigate this matter and ensure that this account is removed from my credit report. I have already attempted to resolve this directly with XXXX XXXX and TransUnion without success. 

Enclosed are copies of my identification documents proving my age at the time the account was opened, as well as a copy of my credit report highlighting the disputed account. 

Thank you for your assistance in resolving this issue promptly.

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