vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), 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 These fraudulent accounts consist of personal credit card account opened atXXXX XXXX opened on XXXX in the amount of {$540.00}, XXXX XXXX opened on XXXX in the amount of {$3500.00}, XXXX XXXX opened XXXX under account XXXX in the amount of {$1000.00}, XXXX XXXX opened on XXXX in the amount of XXXXXXXX XXXX XXXXXXXX opened XXXX in theamount of {$4000.00}. A car loan at XXXX XXXX opened XXXX XXXX in the amount of XXXX. A loan at XXXX opened XXXX in the amount of XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in 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 fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All 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 # ( private case number ) 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 2024-12-30 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: FL

Complaint narrative:
I am writing to formally request that you block and delete certain inquiries from my consumer report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2.

I have identified the following inquiries on my consumer report as the result of identity theft and not transactions initiated or authorized by me : Listed in FTC Report In compliance with the requirements of 15 U.S.C. 1681c-2, I am providing the following documents and information : Proof of my identity A copy of the identity theft report Identification of the specific information : A statement declaring the inquiries are not authorized by me : I hereby affirm that these inquiries were not made by me or authorized by me in any capacity. 

Under 15 U.S.C. 1681c-2, you are required to block the reporting of this information within four ( 4 ) business days of receiving this request and the accompanying documentation.

Additionally, I wish to remind you of your obligations under 15 U.S.C. 1681n. Any willful non-compliance with these requirements can subject your agency to liability, including actual damages or statutory damages ranging from {$100.00} to {$1000.00} per violation, as well as punitive damages and attorneys fees. 

Please confirm in writing that you have received this request and that the inquiries have been blocked and removed from my consumer report. I request a confirmation letter within 30 days of this correspondence.

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 2024-12-30 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: FL

Complaint narrative:
I am writing to formally request that you block and delete certain inquiries from my consumer report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2.

I have identified the following inquiries on my consumer report as the result of identity theft and not transactions initiated or authorized by me : Listed in FTC Report In compliance with the requirements of 15 U.S.C. 1681c-2, I am providing the following documents and information : Proof of my identity A copy of the identity theft report Identification of the specific information : A statement declaring the inquiries are not authorized by me : I hereby affirm that these inquiries were not made by me or authorized by me in any capacity.

Under 15 U.S.C. 1681c-2, you are required to block the reporting of this information within four ( 4 ) business days of receiving this request and the accompanying documentation.

Additionally, I wish to remind you of your obligations under 15 U.S.C. 1681n. Any willful non-compliance with these requirements can subject your agency to liability, including actual damages or statutory damages ranging from {$100.00} to {$1000.00} per violation, as well as punitive damages and attorneys fees.

Please confirm in writing that you have received this request and that the inquiries have been blocked and removed from my consumer report. I request a confirmation letter within 30 days of this correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: AL

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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Sir/Madam, I am writing this letter to formally dispute the validity of a debt that you claim I owe. I received a collection notice from your organization asserting that I owe a debt related to Account No.

1. Verification of the Debt : Please provide a detailed written statement, including the original creditor 's name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history of all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract agreement, if applicable, that demonstrates my obligation to pay this 5. Documentation on Your Licensing : Please furnish me with your age licensing and registration information, as required by the relevant state laws. 

Please consider this letter as a formal dispute of the debt, and I kindly ask you to respond to this dispute in writing within 30 days of receiving this to provide the requested information within this time frame will be a violation of the FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-30 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX BALANCED {$37000.00} DAte open : XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$670.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX BALANCED {$180.00} DATE OPEN : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: CT

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-30 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: LA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: GA

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 explanation
Consumer complaint received 2024-12-30 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CBC Companies, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/scrub>XXXX 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile.

I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze.

I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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. 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 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 2024-12-30 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: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma XXXX XXXX To Whom It May Concern, Subject : Request for Removal and XXXX XXXX XXXX XXXX XXXX Credit Karma XXXX XXXX I am writing to formally address the exposure of my personal information in the recent data breach involving Credit Karma. I am deeply concerned about the potential misuse of my data, including identity theft and other fraudulent activities. 

Given this breach, I am requesting the following actions to ensure the protection and security of my personal information : Immediate Deletion of My Data : Permanently remove all records of my personal, financial, and sensitive information from XXXX XXXX databases. 
Confirmation of Deletion : Provide written confirmation once my information has been removed and secured. 
Cease Sharing My Information : Ensure that my personal data is no longer shared with any third parties or affiliates. 
Details of Preventative Measures : Provide a detailed explanation of the steps Credit Karma is taking to prevent future breaches and secure user data. 
To assist with my identification in your system, here are my details : Full Name : XXXX XXXX XXXX XXXX XXXX with My Account : XXXX XXXX XXXX : XXXX I am exercising my rights under applicable data privacy laws, including but not limited to the California Consumer Privacy Act ( CCPA ) or other relevant legislation, to request the deletion and protection of my personal information.

If my request is not resolved promptly, I will be compelled to report this incident to the appropriate regulatory authorities and may seek legal counsel to ensure my rights are upheld.

Please confirm receipt of this request and provide updates regarding the actions taken within [ specific timeframe, e.g., 30 days ]. You XXXX reach me at XXXX or ( XXXX ) XXXX for further correspondence. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: TN

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 2024-12-30 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: NJ

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

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 2024-12-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX this year possibly sooner my account was frozen and card shut down XXXX  fear of account takeover. Spent the following months verifying identity, awaiting XXXX investigations all to work in my favor but remained without access to credit line. Repeatedly told month after month new card on the way. Finally novemeber after making all monthly payments on time for 2 years and no bad history yet still without access I called to cancell account. Manager level 3 got on phone and said weren't gon na ask for anymore payments till card was delivered but there would be another 5 business day delay then mailing. So XXXX and XXXX  they would not ask for payments and all monthly fees for past 4 months were refunded as an apology. XXXX comes and reports late payment 30plus days which is possibly interfering with loan application for hurricane damage. Contacted company numerous times. No resolve. Have requested account closure since XXXX if company can't provide card of access to credit line.

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 2024-12-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX this year possibly sooner my account was frozen and card shut down XXXX fear of account takeover. Spent the following months verifying identity, awaiting 3 investigations all to work in my favor but remained without access to credit line. Repeatedly told month after month new card on the way. Finally novemeber after making all monthly payments on time for 2 years and no bad history yet still without access I called to cancell account. Manager level 3 got on phone and said weren't gon na ask for anymore payments till card was delivered but there would be another 5 business day delay then mailing. So XXXX and XXXX  they would not ask for payments and all monthly fees for past 4 months were refunded as an apology. XXXX comes and reports late payment 30plus days which is possibly interfering with loan application for hurricane damage. Contacted company numerous times. No resolve. Have requested account closure since XXXX if company can't provide card of access to credit line.

Company response to consumer: Closed with explanation