vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft stemming from a data breach, and the accounts listed below are fraudulent and unauthorized. 
Fraudulent Accounts : 1. Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$4300.00} XXXX. Creditor Name : XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$7900.00} XXXX. Creditor Name : XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXXXXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX o Balance : {$3500.00} XXXX. Creditor Name : XXXX  XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$4500.00} XXXX. Creditor Name : XXXX o Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX  XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX XXXX  Balance : {$00.00} XXXX. Creditor Name : Bankruptcy XXXX Case Number : XXXX XXXX  Date Reported : XX/XX/XXXX XXXX  Balance : {$00.00} XXXX. Creditor Name : Bankruptcy XXXX  Case Number : XXXX XXXX Date Reported : XX/XX/XXXXXXXX XXXX  Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XX/XX/year> **Experian Information Solutions , Inc.** XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX of Inaccurate Account Reporting** Dear Experian, I am writing to formally dispute the accuracy of multiple accounts listed on my credit report that I believe are outdated and improperly reported. I request the removal of these items that do not accurately reflect my current financial status. 

In particular, one of the accounts that needs addressing is associated with Cefcu and is appearing as a negative account with the following details : - **Account Type : ** XXXX ( Revolving Account ) - **Payment Status : ** Charge-off - **Worst Delinquency : ** Bad debt/collection - **Balance : ** {$470.00} - **Credit Limit : ** {$500.00} - **Credit Utilization : ** XXXX XXXX - **Last Updated : ** XX/XX/year> I believe this information is inaccurate for the following reasons : 1. **Payment History : ** I have maintained a responsible payment history ; therefore, I dispute the classification of my account as a charge-off. 
2. **Account Management : ** I have made diligent efforts to manage my account responsibly, including timely payments prior to this reporting. 

Under the Fair Credit Reporting Act, I respectfully request that you conduct a thorough investigation regarding these inaccuracies and remove all outdated or incorrect items from my credit report. 

Please provide me with a copy of your findings once your investigation is complete. I have enclosed copies of any relevant documents that support my dispute. 

Thank you for your attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at XXXX or via email at XXXX. 

SincerelyXXXX 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 2024-11-20 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: TX

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

ALLY FINCL never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-11-20 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: LEXISNEXIS
State: WI

Complaint narrative:
You just removed the fraudulent names and addresses from my previous complaint. Not the BANKRUPTCY! These BANKRUPTCY are not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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 report that I am a victim of identity theft resulting from a data breach. 
Unauthorized accounts have been fraudulently opened in my name. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be immediately blocked and permanently deleted from my credit report : Fraudulent Accounts : 1. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$5100.00}

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 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I was a victim of fraud in 2021. I had XXXX stolen off of me in a couple hours. I contacted reliacard about it and they had me send them a bunch of information including the transaction amounts and dates. They said they investigated and found no evidence of fraud even though it was used in both XXXX XXXX XXXX within an hour of each other. I want to appeal but they are telling me I can't

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 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX XXXX  ticket from XXXX XXXX for XXXX season only. XXXX XXXX XXXX charged my Discover card for the 2024 season {$98.00}, the first of 4 installments on XX/XX/XXXX. When I tried to cancel subscription XXXX said it was on an automatic renewal and could not be cancelled even though the XXXX season had not started so I placed a dispute with Discover and since there were 3 more installment payments due, Discover put a " stop '' on all XXXX purchases so I wouldn't be billed for the remaining payments. 

On XX/XX/XXXX, XXXX XXXX XXXX charged the same Discover card again for another installment of {$98.00}. When I called Discover about this I was told that since XXXX could not get the payment to go through, XXXX used another merchant number so the charge would go through. 

I have sent Discover the documents they requested verifying that I cancelled my XXXX XXXX XXXX and XXXX XXXX  ticket subscription on XX/XX/XXXX. Discover made a decision not to accept the dispute from XX/XX/XXXX so they have charged me for the 2 payments of {$98.00} totally {$190.00}. 

I have since had to cancel my Discover card since that was the only way to prevent XXXX from making another charge of {$98.00}. 

I tried to remove my Discover card from my XXXX account but they won't allow you to do that unless you provide another credit card to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: LA

Complaint narrative:
In light of increasing concerns about data security breaches and unauthorized sales of personal information on the dark web, I demand assurance that my personal information is being handled securely. I request an immediate investigation into how my data is managed and shared, and I expect you to take steps to ensure its protection. 

Per the CDIA 's definition of your verification process, e-OSCAR, " eOscar is a web-based, METRO 2 COMPLIANT, automated system. '' I expect you to adhere strictly to these standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Fund
State: CA

Complaint narrative:
Over a year ago, I began to XXXX with the Action Opportunity Fund, a XXXX lender, which stated that it was based in XXXX XXXX, CA and XXXX XXXX, CA, XXXX. However, after receiving the loan from the XXXX XXXX I discovered that the office that I working with was actually in XXXX, XXXX and was funded by the XXXX XXXX XXXX ( XXXX ) and the offices in XXXX XXXX and XXXX XXXX, CA are Ghost offices with no one present in them. I immediately reported this incident to the Federal Trade Commission ( FTC ) and XXXX under the Federal proviso, See Something, Say Something. To wit, since the XXXX Opportunity Fund misrepresented themselves as an XXXX organization. I am under no legal obligation to work with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: CO

Complaint narrative:
There is an account on my credit report for a vehicle that has been repossessed which is not mine. I have been the victim of ID theft and have reported this ( and other items ) to the FTC. In XX/XX/year> I requested ( in writing ) that the company XXXX XXXX XXXX XXXX XXXX XXXX ) verify/validate the debt in accordance with FRCA guidelines XXXX To date I have not received anything in response. I have disputed the debt with the credit reporting agencies more than once and despite having the FTC report and lack of validation.

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 2024-11-20 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:
Equifax is reporting a negative account on my credit report that unequivocally does not belong to me. The XXXX XXXX  account ending in XXXX is a fraudulent account with no connection to me. I demand the immediate removal of this account and its balance, as they are the result of identity theft. I have attached the removal letter and expect prompt action, given that I have requested this removal multiple times before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to dispute the veracity of an alleged eviction on record appearing on my credit and rental report. Previously, I disputed this identical account with the credit bureaus. Their reply, however, was that the account had been verified with ( Company name ). 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), As well as ( FDCPA ) 15 U.S. Code 1692, your company has the obligation to ensure that any data reported on my credit profile is both accurate and complete. Furthermore, according to the XXXX XXXX format guideline developed by the Consumer Data Industry Association, data furnishers are mandated to report complete and accurate information about each account to the credit reporting agencies. Lastly, Under the FCRA Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i-1681x et seq, information can not be verified if you do not have the authority to access, edit, or share this consumer 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX - XXXX - {$2300.00} XXXX XXXX XXXXXXXX - {$15000.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: January Technologies, Inc
State: FL

Complaint narrative:
XX/XX/year> I received an email that stated that XXXX credit was approved for a purchase of {$190.00} and that the first payment of {$32.00} was due to XXXX for a purchase made from XXXX Basics ( on-line clothes company ). I knew this had to be a scam because myself or my husband did not purchase anything from this company and neither of us have ever used XXXX. I received an email almost daily saying my payment was overdue. Again I ignored this because I receive many scams a month. The beginning of XXXX I received an email that said this {$190.00} was turned over to XXXX, a collection agency. I called XXXX XXXX  and XXXX and both of them do not have any record of an order from me, any information about me and said that I do not have an account with either of them. I have an email from XXXX Basics that states this. I then called XXXX debt collections and they stated that they do have my information that I owe this same amount to them. I asked them to mail me all information that they have connected to this debt. They stated they will do this. I have not received this yet. I called XXXX and they said that this debt is showing on my credit report. My XXXX plus XXXX XXXX is now XXXX.

Company response to consumer: Closed with explanation