vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: CT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-06 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: TX

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Block and Deletion of Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) Dear XXXX Disputes Team, I am writing to formally notify you that I am a victim of identity theft, which has resulted in fraudulent accounts being opened in my name without my consent. I request that all fraudulent accounts be blocked and deleted from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( a ).

The following accounts have been identified as fraudulent : FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To support my claim, I have included the following documentation : A copy of the identity theft report I filed with law enforcement agency, e.g., FTC.

A copy of my government-issued identification for verification purposes.

A copy of a recent utility bill to confirm my current address.

I request that you : 1. Block all fraudulent accounts identified in this letter.

2. Permanently delete these accounts from my credit report.

3. Notify any creditors involved about the fraudulent nature of these accounts.

4. Provide me with written confirmation once the fraudulent accounts have been removed.

I expect a prompt investigation and resolution of this matter, as required by law.

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that my credit report has been corrected accordingly. 
Sincerely, XXXX XXXX XXXX : Copy of Identity Theft Report Copy of Government-Issued ID Proof of Address

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 2024-12-06 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: MI

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. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX account number : 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 2024-12-06 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: MI

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. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX  account number : 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 2024-12-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: VA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: PA

Complaint narrative:
I woke up to find inaccurate accounts on my credit report, and Im completely baffled as to why this has happened. I routinely check my report, but this time, there are discrepancies that appeared out of nowhere. I even refreshed my browser, thinking it might just be a glitch, but nothing changed. The incorrect accounts remained, and I dont know what to do. Please review the documents Ive provided carefully, so I can finally have peace of mind and stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union Charges {$29.00} To View Credit Report & Credit Score. Trans Union {$29.00} Charge is impeding on my ability to check my credit report for inaccurate information. File A Dispute, Check my Credit Score. Also I Can Not Access my credit file unless I pay a fee of {$29.00}

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 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: IA

Complaint narrative:
I received a advertisement for an Apple Card advertisement describes it as a credit card it also goes into how you will receive a titanium card nowhere does it say anything about only exclusive to XXXX customers or XXXX devices does say limited perks if you do not have XXXX devices find out only after applying for this credit card and getting approved that they won't actually give me a physical card because I don't have an XXXX or an XXXX so I have no way to request XXXX nowhere in the fine print does it say anything about this just that after I got accepted to request my titanium card I have to use my XXXX device to do so so I called them and asked him how I can just get a regular credit card so I can use my account and they informed me that I can not all I can use it for is the Apple Store I said since I don't have XXXX devices why would I use it for the XXXX XXXX clearly none of this makes any sense and they've done nothing but mislead and misguided me and now they're destroying my credit that is nearly flawless something needs done about this is his false advertisement and it is very misleading it is not a card whatsoever it is an XXXX XXXX plan not a credit card and they should have to list it as this has no benefit anybody that doesn't use XXXX devices and it should be boldly stated on all advertisements they have I would wish to seek damages if I knew how to go about it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Block and Deletion of Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) Dear Equifax Disputes Team, I am writing to formally notify you that I am a victim of identity theft, which has resulted in fraudulent accounts being opened in my name without my consent. I request that all fraudulent accounts be blocked and deleted from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( a ).

The following accounts have been identified as
fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To support my claim, I have included the following documentation : A copy of the identity theft report I filed with law enforcement agency, e.g., FTC.

A copy of my government-issued identification for verification purposes.

A copy of a recent utility bill to confirm my current address.

I request that you : 1. Block all fraudulent accounts identified in this letter.

2. Permanently delete these accounts from my credit report.

3. Notify any creditors involved about the fraudulent nature of these accounts.

4. Provide me with written confirmation once the fraudulent accounts have been removed.

I expect a prompt investigation and resolution of this matter, as required by law.

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that my credit report has been corrected accordingly. 
Sincerely, XXXX XXXX Enclosures : Copy of Identity Theft Report Copy of Government-Issued ID Proof of Address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
CEASE AND DESIST OF REPORTING FRAUDULENT TRANSACTION AND ACCOUNTS AND REQUEST OF LATE PAYMENT TRANSACTIONS AND CONSENT CEASE AND DESIST OF REPORTING FRAUDULENT TRANSACTION AND ACCOUNTS AND REQUEST OF LATE PAYMENT TRANSACTIONS AND CONSENT LETTERS AND INTENT TO SUE XXXX XXXX : XXXX : XXXX XXXX 
DEFENDANT : XXXX CO XXXX COMENITYCE/ MYPLACE REWARDS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, OH XXXX TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : XXXX XX/XX/XXXX XXXX. XXXX : XXXX. I'm a natural person and this dispute isn't coming from a XXXX party. 
I recently received a copy of my consumer report, and I noticed there are late payments posted on my consumer report. I'm requesting that these late payments be removed from my consumer report. Per law 15 U.S. Codes 1681a - Definitions : rules of construction I U.S. Code I US Law I Legal Information Institute.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

1. Prohibition ( A ) Reporting Information with actual knowledge of errors.

2. Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Here 's the account I am referring to : Account COMENITY/ MYPLACE REWARDS ACCT # XXXX, and all comments be removed immediately. 
I'm asking that account be shown as PAID AS AGREED. OR DELETE IMMEDIATELY XXXX PLEASE SEND THE WRITTEN AUTHORIZATION LETTER THAT I SENT TO YOUR COMPANY GIVING YOU WRITTEN CONSENT TO FURNISNED THESE XXXX ACCOUNTS ON MY CONSUMER REPORT. ALSO PLEASE SEND PROOF OF THE TRANSACTIONS FROM THE ALLEGED CREDITORS THIS IS FRAUD AND VIOLATION OF GAAP SINCERELY, XXXX : XXXX. Living Woman Beneficiary OF ACCT XXXX XXXX XXXX not the TRUSTEE XXXX XXXX ALL RIGHTS RESERVE WITHOUT PREJUDICE ALL DEBTS ARE PREPAID XXXX XXXX XXXX OF UNITED STATES XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have repeatedly requested the original date for the debt, proof of person and proof of debt and haven't received anything from the repository for the collection called XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: Consumer Adjustment Company Incorporated
State: LA

Complaint narrative:
The company has not given me the requested information, they are no longer responding to me to provide debt validation and purchase agreement for alledged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-06 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: KS

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NC

Complaint narrative:
I reviewed my credit report and observed the presence of fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: NC

Complaint narrative:
I reviewed my credit report and observed the presence of fraudulent accounts.

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 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Name : XXXX XXXX Name : XXXX XXXX XXXX  Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, T Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX Employers : XXXX XXXX : XXXX XXXX XXXX Off XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$930.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$930.00} XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX XX/XX/XXXX {$330.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$480.00} XXXX XXXX XX/XX/XXXX {$460.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$450.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$880.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX A ) XXXX XX/XX/XXXX {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$930.00} XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$460.00} XXXX XXXXXXXX XXXX {$140.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$150.00} Late Payment XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/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