vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: ID Analytics, Inc.
State: NC

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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 am writing to dispute the inaccurate reporting of my account, number XXXX. This unsecured account, opened on XX/XX/year>, was paid off in full on XX/XX/year>, as evidenced by the attached screenshot. Despite this, my credit report inaccurately reflects XXXX negative months ( XXXX and XX/XX/year> ), showing a " CO '' status ( charge-off ), even though the account was fully settled by XX/XX/year>. The payment history and status should reflect the accurate information of " Paid in Full '' with no negative marks or late payments.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report. I have official documentation from the court clearly stating that this bankruptcy should not have been reported to your agency. The fact that this erroneous information remains on my credit file is extremely concerning and calls into question the accuracy of the reporting process. To make matters worse, there is evidence of an unauthorized third party being involved in this situation, further highlighting the severity of the issue and the potential breach of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: LA

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-12-05 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:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX {$1900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 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 2024-12-05 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: MD

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and as such, I am requesting that you block and delete the following accounts, as well as any related inquiries, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These statutes provide me the right to request the removal of fraudulent information resulting from data breaches. 
The following accounts and inquiries need to be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$410.00} XXXX. XXXX OF XXXX - XXXX - XX/XX/XXXX - {$730.00} 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

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
My XXXX XXXX  home mortgage has been open and active and ( now transferred ), with excellent payment history and no late payments since I purchased my home in XX/XX/XXXX, however, without 30 days notification and transfer information, XXXX Bank transferred my home mortgage loan to Mr. Cooper, affiliation of XXXX XXXX XXXX, on XXXX after I made my XX/XX/XXXX mortgage payment to XXXX ; however, XXXX bank neglected to report to all three credit bureaus, all new mortgage company transferred information, nor has Mr. Cooper reported the new home mortgage loan number and account information to all three major credit bureaus ..., this in term, has caused distress and negative effects to my credit history and credit scoring. Due to Mr. Cooper non compliance of reporting to all major credit bureaus of my first mortgage payment on XX/XX/XXXX, it has caused my credit scores to drop over XXXX points and this is harmful to my credit and scoring. Their negligence is causing undue hardship for me and preventing me from purchasing a new home and to sale my current home, as well. I called Mr. Cooper and spoke with XXXX in their escrow department on XXXX, XXXX, XXXX to request immediate reporting to all credit bureau, for their neglect to report to all credit bureaus is causing harm to my credit scores and undue hardship for me. XXXX XXXX verbally expressed her sincere apologies and said all reporting to the credit bureaus will be reported within XXXX to XXXX business days, and it's now XX/XX/XXXX and NO credit reporting has transpired. I have been waiting patiently for Mr. Cooper to report my new mortgage loan history and information to all credit bureau, but, they are neglecting to do so. On top of that, Mr. Cooper has emailed ( XXXX ) to inform of new home mortgage information with Mr. Cooper will be serviced through XXXX, a sub service by Mr. Cooper brand. At this point, I don't know where my XXXX  XXXX mortgage is located and who I should make monthly payments to. This is appalling and very disturbing, for a XXXX XXXX mortgage and 100 % XXXX veteran to be treated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I contacted all three credit bureau about the collection with they companys XXXX  XXXX XXXX and ability recovers i express my frustration of my lack of knowledge of these accounts I also call these companies directly and ask for debt Validation claim, document 's with my signature sign, and proof of the investigation which neither company provided so at this time I ask these accounts be removed from my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
I am writing to formally request the immediate removal of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, my personal information was used without my consent. I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these items blocked and deleted from my credit report. 
XXXX Accounts to XXXX and Delete XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$6300.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX ACCT - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$5400.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$160.00} XXXX. XXXX. SYSTEM, XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$930.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1600.00} XXXX. XXXX XXXX FIN - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$480.00} Fraudulent Inquiries to Remove XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/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 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

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 2024-12-05 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: MD

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and as such, I am requesting that you block and delete the following accounts, as well as any related inquiries, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These statutes provide me the right to request the removal of fraudulent information resulting from data breaches. 
The following accounts and inquiries need to be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX. XXXX FUNDING - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00} XXXX. XXXX OF XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} Inquiries : XXXX. XXXX - XX/XX/XXXX XXXX. PASSPORT XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: MD

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and as such, I am requesting that you block and delete the following accounts, as well as any related inquiries, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These statutes provide me the right to request the removal of fraudulent information resulting from data breaches. 
The following accounts and inquiries need to be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX. XXXX FUNDING - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXXXXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$410.00} XXXX. XXXX OF XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} Inquiries : XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - 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
Consumer complaint received 2024-12-05 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 am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my authorization. My rights under the Fair Credit Reporting Act ( FCRA ) provide protections to victims of identity theft in such cases. 
XXXX AXXXX 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

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 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, around XXXX XXXX., I had an appointment with XXXX XXXX at Chase to open a personal checking account for myself and my XXXX children. Another banker assisted me and asked for VA letters as proof for the accounts. After contacting the VA, I was informed such proof was unnecessary. The banker appeared flustered, and I requested to speak with the store manager XXXX XXXX, explaining the situation and my frustration. I later returned with the requested documents, but the store manager refused to do business with me so I left. 
On XX/XX/XXXX, I received a fraud alert and was informed that my account was shut down for enhancing security. Chase stated that they sent me a letter notifying me that they were shutting down my account a month ago. I looked in the letters and statements. I never received it and theres no history of it. However, when I visited the branch, I was told the closure was due to a prior confrontation. Chase is refusing to release my funds. Chase is saying theyre gon na give me a check within a few weeks, but nothing has a date on it and when I asked what makes my business account fraudulent, they can not give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my authorization. My rights under the Fair Credit Reporting Act ( FCRA ) provide protections to victims of identity theft in such cases. 
XXXX Accounts : 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

Company response to consumer: Closed with non-monetary relief