vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2024-11-21 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: NC

Complaint narrative:
Subject : Request for Continued Review of Disputed Accounts Due to Identity Theft Dear Equifax Dispute Resolution Team, I am writing to reaffirm my dispute regarding the inaccurate and fraudulent accounts on my credit report, which were the result of identity theft following the Equifax data breach in 2017. As a victim of this breach, my personal information was compromised, and I have since suffered financial and credit-related harm due to unauthorized use of my identity. 

I have previously submitted disputes on these accounts and provided supporting documentation, including : A Federal Trade Commission ( FTC ) Identity Theft Report. 
A copy of my government-issued ID and proof of address. 

The disputed accounts remain unresolved and continue to negatively impact my credit report. To assist with the resolution, I am again providing a list of the disputed accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Given that these accounts are the result of fraudulent activity stemming from the data breach, I respectfully request a thorough review of my case and removal of these items from my credit report. 

Please confirm receipt of this letter and provide an update on the status of my disputes. I can be reached at XXXX should you require any additional information to facilitate the resolution process. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: NC

Complaint narrative:
Subject : Request for Continued Review of Disputed Accounts Due to Identity Theft Dear Equifax Dispute Resolution Team, I am writing to reaffirm my dispute regarding the inaccurate and fraudulent accounts on my credit report, which were the result of identity theft following the Equifax data breach in 2017. As a victim of this breach, my personal information was compromised, and I have since suffered financial and credit-related harm due to unauthorized use of my identity. 

I have previously submitted disputes on these accounts and provided supporting documentation, including : A Federal Trade Commission ( FTC ) Identity Theft Report. 
A copy of my government-issued ID and proof of address. 

The disputed accounts remain unresolved and continue to negatively impact my credit report. To assist with the resolution, I am again providing a list of the disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Given that these accounts are the result of fraudulent activity stemming from the data breach, I respectfully request a thorough review of my case and removal of these items from my credit report. 

Please confirm receipt of this letter and provide an update on the status of my disputes. I can be reached at XXXX should you require any additional information to facilitate the resolution process. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: WA

Complaint narrative:
I was involved in multiple data breach in which all of my information was leaked. My social, debit and credit cards and other types of personal information were all apart of this breach and now since my accounts have been closed and while this was going on i have been taking it hard in life losing my car in two accidents back to back. After dealing with injuries from the car accident i am finally ready to get back on my feet only to go to the dealership and find out i dont qualify for even the cheapest car. I ordered a copy of my credit report and finally understood why the data breech paperworks came in, money would just disappear but i never thought it was effecting me i just thought it was something sent to everyone who maybe affected by the incident. i tried to dispute these through the credit bureaus and they did not remove them i contacted the banks already and contacted the credit agencies told them i would be filling a cfpb complaint and ftc report and sending in all the proof i have towards this issue [ i will be uploading that proof here as well ] One of the data breaches i was apart of offered Credit services which i took ( XXXX ) i will also be uploading from there as well.

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 2024-11-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Account Deletion and Blocking Pursuant to 15 U.S.C. 1681c-2 ( a ) Dear Sir/Madam, I am writing to inform you that I am a victim of a data breach, and I request that all accounts associated with my personal information be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I request the following : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediate Blocking of Accounts : Any accounts or personal information that have been impacted by the breach and are listed on my credit report should be blocked and not included in any credit report issued by your company. 

Deletion of Information : Any accounts, information, or records related to the data breach should be deleted from your files, as permitted under FCRA 1681c-2 ( a ). 

For your reference, my personal information is as follows : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX XXXX Report Number : I respectfully request a prompt confirmation of this action and an updated copy of my credit report once the necessary actions are taken. 

Please notify me of any additional steps I must take to ensure the removal and blocking of the compromised accounts and information. 

Thank you for your prompt attention to this matter. If you require any further information or documentation to process my request, please do not hesitate to contact me at the address or phone number listed above. 

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 2024-11-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Account Deletion and Blocking Pursuant to 15 U.S.C. 1681c-2 ( a ) Dear Sir/Madam, I am writing to inform you that I am a victim of a data breach, and I request that all accounts associated with my personal information be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I request the following : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediate Blocking of Accounts : Any accounts or personal information that have been impacted by the breach and are listed on my credit report should be blocked and not included in any credit report issued by your company. 

Deletion of Information : Any accounts, information, or records related to the data breach should be deleted from your files, as permitted under FCRA 1681c-2 ( a ). 

For your reference, my personal information is as follows : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX XXXX Report Number : I respectfully request a prompt confirmation of this action and an updated copy of my credit report once the necessary actions are taken. 

Please notify me of any additional steps I must take to ensure the removal and blocking of the compromised accounts and information. 

Thank you for your prompt attention to this matter. If you require any further information or documentation to process my request, please do not hesitate to contact me at the address or phone number listed above. 

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 explanation
Consumer complaint received 2024-11-21 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: IL

Complaint narrative:
I recently noticed unauthorized information on my credit report that should not be there. This includes an item that I did not authorize or agree to, which is now negatively impacting my credit score. I have no association with this account or item, and it appears to have been added to my report in error.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
Re : Complaint Against XXXX XXXX  for Inaccurate Reporting During Arbitration Dear Sir/Madam, I am filing a formal complaint against XXXX XXXX  for unlawful reporting of inaccurate information to consumer reporting agencies while an arbitration proceeding is pending. XXXX XXXX actions are in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the AAA Consumer Arbitration Rules, and the Federal Arbitration Act ( FAA ). Inaccurate Reporting to Credit Agencies XXXX XXXX  has continued to report inaccurate information regarding my account to consumer reporting agencies while arbitration proceedings are ongoing. This action violates my rights under the FCRA ( 15 U.S.C. 1681s-2 ), which mandates that furnishers of information ensure the accuracy of reported data. Violation of AAA Consumer Arbitration Rules Under the AAA Consumer Arbitration Rules, XXXX XXXX  is prohibited from taking adverse actions such as reporting inaccurate information during arbitration. Specifically, Rule 9 ( Preservation of Status Quo ) and Rule 10 ( Interim Measures ) are clear that no actions should be taken that could undermine the fairness of the arbitration process. Violation of Federal Arbitration Act ( FAA ) Under 9 U.S.C. 2 and 3 of the Federal Arbitration Act, arbitration agreements are binding, and any actions, such as reporting inaccurate information, should be stayed until arbitration has been resolved. I am requesting that the CFPB investigate these violations and take appropriate enforcement actions against XXXX XXXX. I am also requesting that the reporting of inaccurate information to consumer reporting agencies be immediately halted while the arbitration process is pending. Thank you for your attention to this matter. I trust that the CFPB will take swift action to address these unlawful practices. Sincerely, By : /s/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
Re : Complaint Against XXXX XXXX  for Inaccurate Reporting During Arbitration Dear Sir/Madam, I am filing a formal complaint against XXXX XXXX  for unlawful reporting of inaccurate information to consumer reporting agencies while an arbitration proceeding is pending. XXXX XXXX actions are in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the AAA Consumer Arbitration Rules, and the Federal Arbitration Act ( FAA ). Inaccurate Reporting to Credit Agencies XXXX XXXX  has continued to report inaccurate information regarding my account to consumer reporting agencies while arbitration proceedings are ongoing. This action violates my rights under the FCRA ( 15 U.S.C. 1681s-2 ), which mandates that furnishers of information ensure the accuracy of reported data. Violation of AAA Consumer Arbitration Rules Under the AAA Consumer Arbitration Rules, XXXX XXXX  is prohibited from taking adverse actions such as reporting inaccurate information during arbitration. Specifically, Rule 9 ( Preservation of Status Quo ) and Rule 10 ( Interim Measures ) are clear that no actions should be taken that could undermine the fairness of the arbitration process. Violation of Federal Arbitration Act ( FAA ) Under 9 U.S.C. 2 and 3 of the Federal Arbitration Act, arbitration agreements are binding, and any actions, such as reporting inaccurate information, should be stayed until arbitration has been resolved. I am requesting that the CFPB investigate these violations and take appropriate enforcement actions against XXXX XXXX. I am also requesting that the reporting of inaccurate information to consumer reporting agencies be immediately halted while the arbitration process is pending. Thank you for your attention to this matter. I trust that the CFPB will take swift action to address these unlawful practices. Sincerely, By : /s/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an account that appears on my credit report that should be off as per FAIR CREDIT REPORT ACT after 7 years to come off. The account is with XXXX XXXX and was sold to XXXX XXXX. This derogatory account should not be reported per FAIR CREDIT REPORTING ACT.

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 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery has made repeated phone calls several times a day, sometimes after XXXX XXXX Some from portfolio recovery, sometimes from different numbers. Ive tried to answer and ask them to stop calling but then there is no one there. They have also called family members. They have not sent ANY documentation, only harassing me with phone calls. They need to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: NC

Complaint narrative:
I discovered multiple inaccuracies and violations regarding my credit report, which prompted me to initiate a formal dispute under the Fair Credit Reporting Act ( FCRA ). These violations include reporting inaccurate information, failing to validate debts, and not adhering to the permissible purposes outlined for accessing my credit report. Specifically : My personal information contains errors that I requested be corrected or deleted.

Credit reporting agencies and debt collectors failed to validate debts as required under 15 U.S. Code 1692g, yet they reported them as accurate.

Late payments were inaccurately reported, and no proper explanation was provided regarding what constituted " late. '' Hard inquiries were made on my credit report without my consent, violating 15 U.S. Code 1681b ( a ) ( 2 ). 
Unverified and potentially fraudulent accounts were added to my credit report, which included identity theft claims that were not addressed properly. 
Additionally, some entities failed to disclose my right to opt out of sharing personal information and engaged in practices that seemed deceptive and contrary to FCRA Section 616 regarding willful noncompliance.

I have requested immediate corrections, validation of debts, and removal of unauthorized entries. I expect a resolution, and if not, I am prepared to pursue legal remedies for noncompliance under the FCRA.

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 2024-11-21 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: Thaxton Investment Corporation
State: GA

Complaint narrative:
The company Covington Credit charged off my account and did not provide me a copy of my 1099. Once they charged it off it then became income in which it CAN NOT be reported on my credit report. It is considered a certificate of indebtedness. I opted out and they are still reporting. The Privacy Act of 1974 states it is against the law to share my information to any 3rd party

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
i sending a dispute to XXXX and transunion about reporting inaccurate information on my credit report because it is damaging my credit score and keeping me from getting a home to live in. requesting deletion of items from my credit report because i supossed to gotten a 1099- c for the charge off accounts and file them on my taxes as income. Income is a violation if its reported on 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 non-monetary relief
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
Re : Complaint Against XXXX XXXX  for Inaccurate Reporting During Arbitration Dear Sir/Madam, I am filing a formal complaint against XXXXXXXX XXXX  for unlawful reporting of inaccurate information to consumer reporting agencies while an arbitration proceeding is pending. XXXX XXXX  actions are in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX XXXX, and the Federal Arbitration Act ( FAA ). Inaccurate Reporting to Credit Agencies XXXXXXXX XXXX  has continued to report inaccurate information regarding my account to consumer reporting agencies while arbitration proceedings are ongoing. This action violates my rights under the FCRA ( 15 U.S.C. 1681s-2 ), which mandates that furnishers of information ensure the accuracy of reported data. Violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is prohibited from taking adverse actions such as reporting inaccurate information during arbitration. Specifically, Rule 9 ( Preservation of Status Quo ) and Rule 10 ( Interim Measures ) are clear that no actions should be taken that could undermine the fairness of the arbitration process. Violation of Federal Arbitration Act ( FAA ) Under 9 U.S.C. 2 and 3 of the Federal Arbitration Act, arbitration agreements are binding, and any actions, such as reporting inaccurate information, should be stayed until arbitration has been resolved. I am requesting that the CFPB investigate these violations and take appropriate enforcement actions against XXXXXXXX XXXX  I am also requesting that the reporting of inaccurate information to consumer reporting agencies be immediately halted while the arbitration process is pending. Thank you for your attention to this matter. I trust that the CFPB will take swift action to address these unlawful practices. Sincerely, By : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief