vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: AZ

Complaint narrative:
What happened ( Identity Theft ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 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 mobile phone line opened at XXXX on XX/XX/XXXX resulting in collections account at XXXX XXXX XXXX with a balance of ( {$1000.00} ), a utility/internet account opened at XXXXXXXX XXXX  on XX/XX/XXXX resulting in collections account at XXXX XXXX XXXX  with a balance of ( {$340.00} ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 non-monetary relief
Consumer complaint received 2025-01-14 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: AZ

Complaint narrative:
What happened ( Identity Theft ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 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 mobile phone line opened at XXXX on XX/XX/XXXX resulting in collections account at XXXX XXXX XXXX with a balance of ( {$1000.00} ), a utility/internet account opened at XXXX XXXX  on XX/XX/XXXX resulting in collections account at XXXX XXXX XXXX  with a balance of ( {$340.00} ). 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 2025-01-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

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 2025-01-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX  XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 any 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 of 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 explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Upon reviewing my most recent consumer report, I noticed bankruptcies listed that should not be there. After studying relevant laws, I discovered that this violates 15 U.S. Code 1681 ( a ) ( 4 ), which protects consumers ' right to privacy. These bankruptcy claims are inaccurate and should not appear on my credit report. By including this information, you have released my personal data without my consent, which is a serious violation of my rights. This is completely unacceptable, and as a victim of identity theft, I am making it clear that you are both criminally and civilly liable for this misconduct.

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 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/year> I deposited a check for {$2500.00} into XXXX Bank of America personal checking account. This check was drawn from XXXX Bank and was from a local business. After the deposit was made I received an email stating that they had put an extended hold on my check deposit until XX/XX/XXXX. This check under Federal guidelines is a next business day funds availability check. Yet Bank Of America puts a hold on the check and will provide no evidence of why they put an extended hold on this check. 
This is a systemic problem with this Bank and it needs to stop. When Banks do this and willfully withhold customers funds from them they are causing harm, by preventing consumers from paying bills and the ability to purchase food and other needs only money can buy. Not to mention the stress and XXXX  of being denied access to your money creates. This damaging and willful practice by the Banks must stop and they must be held accountable to abide by the federal regulations that were specifically put in place to address this heinous and harmful issue.

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 2025-01-14 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Multiple unauthorized inquiries have appeared on my consumer report, causing significant mental and financial strain despite my repeated attempts to address this issue. As a victim of identity theft, I have no connection to or responsibility for these fraudulent entries, yet their presence has severely impacted my ability to achieve crucial life goals like purchasing a home and providing for my family 's needs. The documentation I've submitted to the Federal Trade Commission clearly outlines the nature and scope of this fraudulent activity, demonstrating the serious nature of this identity theft case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} Collection XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Charged off XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} Collection XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} XXXX Inquiries in Dispute : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: MA

Complaint narrative:
I am filing this complaint because XXXX and Experian have refused to honor my legitimate requests to block fraudulent items on my credit reports, as required under Section 605B of the Fair Credit Reporting Act ( FCRA ). I am the victim of identity theft and followed the exact steps outlined by the Federal Trade Commission ( FTC ) to request that these items be blocked. Specifically, I sent each bureau : 1. A detailed letter describing the identity theft and requesting the block, 2. A copy of my FTC Identity Theft Report, 3. A copy of my government-issued photo identification, 4. An excerpted copy of my credit report with the fraudulent items clearly circled, 5. A copy of the relevant police report, and 6. A copy of FCRA 605B. 

I mailed each request personally via the United States Postal Office to ensure authenticity and included all information necessary to identify me. Despite this, both XXXX and Experian responded by claimingwithout any factual basisthat the request did not come from me or was not authorized by me. Meanwhile, these inaccurate and fraudulent items remain on my reports and continue to harm me financially and otherwise. I have not yet received any response from XXXX, but I presume they are following the law. 

It is important to note that prompt blocking of fraudulent information is a clear requirement under FCRA 605B, provided the consumer supplies the proper documentation. I have complied fully, yet XXXX and Experian have chosen to ignore or dismiss my submissions. Their actions violate my rights under federal law and are causing me ongoing injury as a result of continuing credit damage from identity theft.

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 2025-01-14 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-14 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: OR

Complaint narrative:
Multiple unauthorized inquiries have appeared on my consumer report, causing significant mental and financial strain despite my repeated attempts to address this issue. As a victim of identity theft, I have no connection to or responsibility for these fraudulent entries, yet their presence has severely impacted my ability to achieve crucial life goals like purchasing a home and providing for my family 's needs. The documentation I've submitted to the Federal Trade Commission clearly outlines the nature and scope of this fraudulent activity, demonstrating the serious nature of this identity theft case.

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 2025-01-14 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: CITIBANK, N.A.
State: GA

Complaint narrative:
My credit was ran by Citi bank without authorization. This is caused a debt into my credit report. It is causing me pain to continue to deal with this.

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 2025-01-14 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: GA

Complaint narrative:
My credit was ran by XXXX XXXX  without authorization. This is caused a debt into my credit report. It is causing me pain to continue to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Upon reviewing my credit record, I discovered concerning late payment entries that require immediate attention. Despite my diligent efforts to address this issue, including sending multiple letters requesting validation more than 30 days ago, I have received no response or satisfactory explanation for these entries. This lack of communication and validation has left me in a difficult position regarding my credit status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX, account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My vehicle was repossessed, and no additional payments or balance increases should have been applied after that. However, my credit report reflects a balance increase from {$7100.00} to {$7200.00}, which is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: OR

Complaint narrative:
Upon reviewing my credit record, I discovered concerning late payment entries that require immediate attention. Despite my diligent efforts to address this issue, including sending multiple letters requesting validation more than 30 days ago, I have received no response or satisfactory explanation for these entries. This lack of communication and validation has left me in a difficult position regarding my credit status.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Upon reviewing my credit record, I discovered concerning late payment entries that require immediate attention. Despite my diligent efforts to address this issue, including sending multiple letters requesting validation more than 30 days ago, I have received no response or satisfactory explanation for these entries. This lack of communication and validation has left me in a difficult position regarding my credit status.

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 2025-01-14 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:
The credit reporting Agency removed all the collections from XXXX them 1 week later put then all back as collections. and they were reported closed. This was done by XXXX XXXX. And anytime I send them responses they say its a credit agency or some excuse its not me.. That's a lie, I am the one sending it. I am XXXX XXXX and need help sometimes because I can't do everything so I have my Family or Sisters help me on their Laptop. 'Id like you to verify for me why the collections were taken off then put back on,. I am trying to get a place to live and by them being sneaky is stopping me from getting approved for housing. Please they need to remove them like they did and leave it that way. also XXXX XXXX XXXX was a Paid collections and they refuse to remove the account.It was to be deleted after it was paid off which it was,, And they also put this back because it shows to other accounts that pulls from XXXX XXXX and Experian

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