vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and as a result, several fraudulent accounts and unauthorized inquiries have appeared on my credit report without my consent. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries.

Fraudulent Accounts to Be Deleted : 1. Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} 2. Creditor : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : 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 non-monetary relief
Consumer complaint received 2024-11-19 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
Fraudulent Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Name : XXXX XXXX XXXX XXXX XXXX ) Fraudulent Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Accounts : Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX Credit Card XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
Chase Bank sent me notification fraud on my account.i told them someone tried to defraud me. I placed a Security alert on my Credit bureau.

Chase said they have to close my account due to fraud.

I told them I am a law abiding citizen.

I don't steal. 
I told them I only received XXXX XXXX XXXX income monthly I ask them to please give me my funds. 
I don't have funds for food etc.

They said no.

Can you please have them to mail my funds XXXX it may be another XXXX in my account. 
However my account is locked I can't see my account. 
Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been attempting to work with this credit reporting agency since XXXX XXXX XXXX. I reached out several times to request that corrections be made to my credit profile. They continue to report the WRONG name, addresses, accounts, and inquiries. I am a victim of identity theft. There were people who had the same name as me who impersonated me and opened accounts in my name using my information. After bringing this to the agency 's attention, they continue to report it. I have specifically requested that my NAME be reported as XXXX XXXX XXXX as this is the exact way that I use it any time I apply for anything. This agency 's failure to do so allowed the thieves to use my information. This agency is in FULL violation of FCRA laws 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1681b . They have allowed multiple entities to access my information without having a permissible purpose or my authorization.

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 2024-11-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ACCOUNT ( S ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD EQUIFAX ( IDENTITY THEFT & FRAUD ) VIOLATION FCRA Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : THIS IS MY FINAL LETTER CONCERNING THESE 10 ( FRAUD ACCOUNTS ) BECAUSE OF IDENTITY THEFT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I DEMAND THESE ACCOUNTS BECOME DELETED OFF MY CREDIT REPORT! * Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed these accounts that I wanted way more detail explanation on, and they need to be deleted/removed from my credit report. I'm demanding that these fraudulent accounts be removed the final time permantly never to return or I will be forced to sue in the court of law!.

THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV.

FTC REPORT # : THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately!

Collection Account 1 : XXXX XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Collection Account 2 : XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX, XXXX Collection Account 3 : XXXX XXXX XXXX  Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX, XXXX Collection Account 4 : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX, XXXX Collection Account 5 : XXXX XXXX XXXX  Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Collection Account 6 : XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX Collection Account 7 : XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Collection Account 8 : XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Collection Account 9 : XXXX XXXX  Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX XXXXXXXX Collection Account 10 : XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-19 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: CA

Complaint narrative:
This is my first requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX PL XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} 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 explanation
Consumer complaint received 2024-11-19 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: NV

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX SSN : XXXX, Consumer D.O.B. : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605b ( 15U.S.C. 1681c-2 ) that you, TransUnion credit reporting agency , block and remove 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 consist of a These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, Auto Loan account opened with XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, Telephone / Communications account with XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX under the account number XXXX and Person loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in questioned 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 form the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 2024-11-19 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: WA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under the FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written communication that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted. Equifax, Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under the FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written communication that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under the FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written communication that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-11-19 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 am writing to formally request the blocking and deletion of the account and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately removed from my credit report to protect my personal and financial information. 
Affected Account : XXXX  - XXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
I am writing to formally notify you that I am a victim of a data breach, resulting in several unauthorized accounts and credit inquiries appearing on my credit report. These accounts and inquiries were not authorized by me, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request that they be blocked and permanently deleted from my credit file. 
Below are the details of the fraudulent accounts and inquiries : Unauthorized Accounts : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$340.00} 2. XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} 3. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$10000.00} 4. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 5. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5100.00} 6. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$250.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX o Inquiry Date : XX/XX/XXXX 3. XXXX XXXX o Inquiry Date : XX/XX/XXXX 4. XXXX XXXX XXXX o Inquiry Date : XX/XX/XXXX 5. XXXX XXXX o Inquiry Date : 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