vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: UT

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Consumer Address ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX ) Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$2400.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$910.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$710.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$680.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$560.00} XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$460.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$330.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$59.00}, XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX opened XX/XX/XXXX bal. {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: UT

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Consumer Address ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX ) Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$2400.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$910.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$710.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$680.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$560.00} XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$460.00}, XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$330.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$190.00}XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$59.00}, XXXX XXXX XXXXXXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-06 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy, confidentiality, and civil liability for willful noncompliance under 15 USC 1681.

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states 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 seven 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 in accurate. 15 USC 1681 C-2 15 USC 1692g 15 USC 16811S-2 15 USC 1681i 15 USC 1681b 15 USC 1681 15 USC 1681b - 15 USC 168115-2 15 USC 1692g

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 2025-01-06 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: AL

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 168b permissible purposes of consumer reports. 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. 

NAMES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX AL XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX -EMPLOYMENT : XXXX XXXX XXXX XXXX XXXX XXXX -INQUIRIES : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: NY

Complaint narrative:
My personal information was exposed in a national data breach, leading to false and inaccurate reporting on my consumer credit report. I reached out to XXXX XXXX to validate the debt, but they failed to do so. I also contacted Equifax, who maintains the error in my name being " XXXX XXXX, '' and have further neglected their duty to validate the debt and instead reported false and inaccurate information pursuant to the FCRA. This inaccurate reporting has damaged my reputation and severely impacted my quality of life. 

Enclosed is my ID, the FTC report and Equifax Data Breach Settlement information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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 am writing to formally dispute the XXXX account, which appears on my credit report. I believe this account was opened or used fraudulently without my knowledge or authorization. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that XXXX XXXX XXXX block this account from being reported to the credit reporting agencies and cease any collection activities related to it. According to the FCRA, you are required to comply with this request within four ( 4 ) business days of receiving my dispute. 

Please find attached the following documents to support my claim of identity theft : A copy of my government-issued ID for verification purposes. 
A copy of my completed Identity Theft Report ( filed with the Federal Trade Commission ). 
Any other supporting evidence, such as proof of residence or correspondence showing that I did not authorize this account. 
I trust you will handle this matter promptly and ensure this fraudulent account is blocked and removed as per the requirements of federal law. Please confirm in writing once the action has been taken or if additional information is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: PA

Complaint narrative:
I am writing to formally dispute the XXXX account, which appears on my credit report. I believe this account was opened or used fraudulently without my knowledge or authorization. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that XXXX XXXX XXXX block this account from being reported to the credit reporting agencies and cease any collection activities related to it. According to the FCRA, you are required to comply with this request within four ( 4 ) business days of receiving my dispute. 

Please find attached the following documents to support my claim of identity theft : A copy of my government-issued ID for verification purposes. 
A copy of my completed Identity Theft Report ( filed with the Federal Trade Commission ). 
Any other supporting evidence, such as proof of residence or correspondence showing that I did not authorize this account. 
I trust you will handle this matter promptly and ensure this fraudulent account is blocked and removed as per the requirements of federal law. Please confirm in writing once the action has been taken or if additional information is required.

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 2025-01-06 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:
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.

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 seven 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 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 2025-01-06 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: FL

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.

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 seven 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 explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, LEXIS NEXIS SOLUTIONS credit reporting consumer agency, delete an remove all inaccurate listed activities and information appearing on my consumer XXXX report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 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, These false an inaccurate activities posted on my report have resulted in termination an rejection of employment also hardship. I've attached a list of all inaccurate fraudulent activities on my account. I do not recognize the aforementioned activities on XXXX LEXISNEXIS CONSUMER report that have been reported.The aforementioned accounts activities inquires appearing on my consumer XXXX report maintained by you were not, made, or initiated by me. All of the aforementioned inquiries and XXXX activities are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned XXXX  consumer reports activities posted and listed are identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: IL

Complaint narrative:
I found a number of mistakes on my credit report and I contacted Equifax in order to resolve these issues. They have down right failed to comply with FTC Regulations and refused to fix this issue. This is a clear violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My credit history is missing lots of accounts therefore therefore my credit report keeps saying my file is very thin and I like prior credit history So I'm asking 5th/3rd bank to report all documents regarding account number XXXX so I can reclaim my account history to all three credit bureaus XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent charges made to my Chase Business account ending in XXXX. Unfortunately, I did not notice these unauthorized transactions until recently, as I had no reason to closely monitor my account before this incident, given Chase 's historically reliable security. Once I became aware of the issue, I immediately contacted Chase to report the fraudulent activity. 

While Chase has refunded approximately {$800.00} from the {$1500.00} that was stolen, I remain dissatisfied with their response and assistance in recovering the full amount. I believe it is only fair that Chase takes further steps to help resolve this matter. 

Details of the Fraudulent Transactions Below is a summary of the fraudulent charges made to my account : 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 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  Description of the Issue Chase has advised that they would be unable to recover the full amount of transactions due to a 30-day policy, which I find unacceptable given the financial impact this has had on my business. To date, I have only been refunded approximately {$800.00}, leaving a significant portion unrecovered. I believe Chase or the merchants are responsible for further recovering the remaining funds and improving their fraud detection measures to prevent such incidents in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Identity was stole credit report fraud and I came out of pocket paying to get my credit fixed

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
In 2017 and XXXX Lexington law collected money from me without fixing my credit, complete scam.While living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. For years I contacted Lexington law about a refund before the judgment. I will like to be reimburse for my time, patience and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information.

Has also been exposed in the databreak and I would like to delete everything off my credit profile for I had no consent of..

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