vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX, social security number : ( XXXX ), Date of Birth : XXXX XXXX. This CFPB complaint has been filed to request pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 consist of a personal credit card account opened at XXXX XXXX on XXXX XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XXXX XXXX under the account number ( XXXX ). These accounts have resulted in fraudulent credit card and auto loan accounts appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 accountd 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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have identified unauthorized accounts on my credit report that may have been added without my consent, potentially due to identity theft. Please remove these fraudulent entries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: MS

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 XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 002.142 ( b ) ( 4 ) -5 -- 1002.42 ( 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 listed accounts to be blocked and deleted company information Transunion. Please delete the following account -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My credit score has decreased by XXXX points due to data breach, causing false inquires, derogatory information and incorrect postings. My credit is good and I am never late. Something is wrong, due to the my data being used by others. Please restore my credit to satisfactory level.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of the information you have reported on my credit file regarding the account referenced above, allegedly owned by XXXX XXXX XXXX. This information is incorrect and must be removed immediately in compliance with the Fair Credit Reporting Act ( FCRA ). 

The alleged debt associated with this account has not been validated by XXXX XXXX XXXX despite my repeated requests. As per the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g ( b ), I have the right to demand proper validation of any alleged debt, and XXXX XXXX XXXX has failed to provide sufficient documentation to establish the legitimacy of this account. 

Under 15 USC 1681i of the FCRA, I am formally requesting an investigation into this account. Please take the following actions : Verify the validity of this alleged debt with XXXX XXXX XXXX and provide me with documentation that proves the account is mine, including a copy of any signed contract or agreement with the original creditor. 
If the account can not be fully verified, delete this account from my credit report immediately. 
Please also note that XXXX XXXX XXXX is required to cease reporting this account to any consumer reporting agencies until proper validation is completed, as stipulated by FDCPA 1692c ( c ).

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 2024-12-19 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: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of the information you have reported on my credit file regarding the account referenced above, allegedly owned by XXXX XXXX XXXX. This information is incorrect and must be removed immediately in compliance with the Fair Credit Reporting Act ( FCRA ). 

The alleged debt associated with this account has not been validated by XXXX XXXX XXXX despite my repeated requests. As per the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g ( b ), I have the right to demand proper validation of any alleged debt, and XXXX XXXX XXXX has failed to provide sufficient documentation to establish the legitimacy of this account. 

Under 15 USC 1681i of the FCRA, I am formally requesting an investigation into this account. Please take the following actions : Verify the validity of this alleged debt with XXXX XXXX XXXX and provide me with documentation that proves the account is mine, including a copy of any signed contract or agreement with the original creditor. 
If the account can not be fully verified, delete this account from my credit report immediately. 
Please also note that XXXX XXXX XXXX is required to cease reporting this account to any consumer reporting agencies until proper validation is completed, as stipulated by FDCPA 1692c ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: CA

Complaint narrative:
This Student Loan originated in the summer of XX/XX/year> with XXXX XXXX XXXX, in XXXX XXXX, Louisiana as the receiving School for this Student Loan. XXXX was the original servicer - XXXX is currently handling this Student Loan as the Guarantor. I attended roughly, 4-6 weeks of class. XXXX XXXX devastated 80 % of XXXX XXXX XXXX on XX/XX/year>. I could not continue my education- ALL schools and the City was closed INDEFINITELY. I was dislocated/relocated to XXXX, TX, then to California by XXXX. I have my XXXX XXXX XXXX record ATTACHED. There is NO Student Loan listed at XXXX XXXX XXXX in my Name, nor, are there any DISBURSEMENT records of ANY Financial Student Aid given to me. I have been disputing this erroneous Student Loan for 20 years. My Student Financial Aid Record PROVES, without a DOUBT, I did NOT RECEIVE any Student Loans in the Summer of XXXX. XXXX XXXX XXXX has NO record of any Student Loans in my NAME.

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 2024-12-19 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: CA

Complaint narrative:
This Student Loan originated in the summer of XX/XX/year> with XXXX XXXX XXXX, in XXXX XXXX, Louisiana as the receiving School for this Student Loan. XXXX was the original servicer - XXXX is currently handling this XXXX XXXX as the Guarantor. I attended roughly, 4-6 weeks of class. XXXX XXXX devastated 80 % of XXXX XXXX XXXX on XX/XX/year>. I could not continue my education- ALL schools and the City was closed INDEFINITELY. I was dislocated/relocated to XXXX, TX, then to California by XXXX. I have my XXXX XXXX XXXX record ATTACHED. There is NO Student Loan listed at XXXX XXXX XXXX in my Name, nor, are there any DISBURSEMENT records of ANY Financial Student Aid given to me. I have been disputing this erroneous Student Loan for 20 years. My Student Financial Aid Record PROVES, without a DOUBT, I did NOT RECEIVE any Student Loans in the Summer of XXXX. XXXX XXXX XXXX has NO record of any Student Loans in my NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: CA

Complaint narrative:
This Student Loan originated in the summer of XX/XX/year> with XXXX XXXX XXXX, in XXXX XXXX, Louisiana as the receiving School for this Student Loan. XXXX was the original servicer - XXXX is currently handling this XXXX XXXX as the Guarantor. I attended roughly, 4-6 weeks of class. XXXX XXXX devastated 80 % of XXXX XXXX XXXX on XX/XX/year>. I could not continue my education- ALL schools and the City was closed INDEFINITELY. I was dislocated/relocated to XXXX, TX, then to California by XXXX. I have my XXXX XXXX XXXX record ATTACHED. There is NO Student Loan listed at XXXX XXXX XXXX in my Name, nor, are there any DISBURSEMENT records of ANY Financial Student Aid given to me. I have been disputing this erroneous Student Loan for 20 years. My Student Financial Aid Record PROVES, without a DOUBT, I did NOT RECEIVE any Student Loans in the Summer of XXXX. XXXX XXXX XXXX has NO record of any Student Loans in my NAME.

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 2024-12-19 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: NY

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 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 non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX {$110.00} XXXX  XXXX {$1200.00} XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXXXXXX {$100.00} These credit accounts and collections are the results of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Subject : Cease and Desist from Contact Regarding account number : XXXX Dear XXXX  XXXX, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced debt, including but not limited to phone calls, letters, emails, or any other form of contact. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 
Please be advised that I am

requesting you to stop all further attempts to collect this debt, and I ask that you refrain from contacting me again. If you continue to attempt to collect this debt after receiving this notice, I may file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or my states Attorney Generals office. 
Please confirm in writing that you ha
ve received this request and that you will comply with it. Per Section 623 ( A ) ( 1 ) ( A ) ( B ) you have been notified and you are not allowed to report moving forward. Also per section 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) Im also requesting the procedure used to determine the accuracy and completeness of the information that is reporting. If you continue to report this debt you will be in complete violation of the law. I am also requesting that you provide me with written verification of the debt, as required by law, if you have not done so already.

Thank you for your immediate attention to this matter. 

Sincerely, 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 2024-12-19 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: IL

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist from Contact Regarding account number : XXXX Dear XXXX  XXXX, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced debt, including but not limited to phone calls, letters, emails, or any other form of contact. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 
Please be advised that I am requesting you to stop all further attempts to collect this debt, and I ask that you refrain from contacting me again. If you continue to attempt to collect this debt after receiving this notice, I may file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or my states Attorney Generals office.

Please confirm in writing that you have received this request and that you will comply with it. Per Section 623 ( A ) ( 1 ) ( A ) ( B ) you have been notified and you are not allowed to report moving forward. Also per section 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) Im also requesting the procedure used to determine the accuracy and completeness of the information that is reporting. If you continue to report this debt you will be in complete violation of the law. I am also requesting that you provide me with written verification of the debt, as required by law, if you have not done so already. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: NV

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXXXXXX Balance Owed : {$XXXX} XXXX XXXX  XXXX Balance XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am writing to address a serious issue regarding an account that your company charged off and reported to the credit bureaus. The account in question is as follows : Account Number : XXXX Under IRS guidelines, when a debt is charged off and considered canceled or forgiven, a Form XXXX ( Cancellation of Debt ) is typically issued to the debtor to report the cancellation as potential taxable income. To date, I have not received a Form XXXX for this charged-off account, which raises concerns about the legitimacy and completeness of your reporting. 
By failing to issue a XXXX, you have not complied with your obligations to notify me of any potential tax implications or the discharge of this debt. As such, the continued reporting of this account as a valid debt on my credit report is inaccurate and unjust.

I respectfully request that you : 1. Remove this account from my credit report with all credit bureaus immediately.

2. Provide me with written confirmation of the removal.

Failure to resolve this matter promptly may leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursue legal remedies to address the inaccurate reporting. 
Thank you for your immediate attention to this matter. I expect a response within 30 days of receiving this letter. Please send any correspondence to the address listed above.

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 2024-12-19 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: 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. 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 explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
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 4 business days of you receiving this complaint.

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 2024-12-19 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: PA

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