vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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 urgently filing a complaint regarding fraudulent accounts and inquiries on my credit report caused by identity theft, which have severely impacted my financial well-being. The accounts in question, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and others, were opened without my authorization, and several associated addresses, such as XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX are not linked to me and must be removed. These accounts contain inconsistent information across Equifax, XXXX, and XXXX, violating 15 U.S.C. 1681e ( b ), which mandates accuracy in reporting. Creditors have also failed to notify me within the required 5-day period under 15 U.S.C. 1692g and have not validated the debts despite repeated requests, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ). Under 15 U.S.C. 1681c-2, I am entitled to the immediate removal and permanent blocking of this fraudulent information. Despite submitting supporting documentation, including a police report, proof of identity, and certified dispute letters, no corrective action has been taken. I demand the immediate removal of these fraudulent accounts and inquiries, as their continued presence violates federal law and has caused significant harm. Failure to act promptly will leave me no choice but to pursue legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: MA

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally reporting consumer rights to privacy and confidentiality under 15usc 1681, I understand that consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX As the consumer, I am the lawful owner of my credit information, which means any entity seeking to access or use it must do so with explicit authorization and solely for permissible purposes. 15 u.s.c 1681 section 602 15 u.s.c 1681 section 604 Reporting agency can not furnish an account without my written authorization consent. Also any negative items report on EQUIFAX credit bureau must be '' Deleted '' and removed from my credit report. Sincerely; thanks I appreciate. 

The resulting inquiry have caused significant harm to my family and me, and I believe my rights under these federal laws have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Subject : Request for Account Information Dear Capital One, I am writing to request specific information regarding two accounts I previously held with you. The account numbers are XXXX and XXXX. Please note that this is not a dispute ; I am simply requesting information for my personal records. 

Specifically, I would like to know the following details for each account : 1.The date of first delinquency.

2.The date of the last payment made on the account.

3.The date the account was charged off.

This information is important for my personal financial records. I kindly request that you respond within 30 days of receipt of this letter. 

If you require any further information or documentation from me to fulfill this request, please feel free to contact me via email at XXXX. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: FL

Complaint narrative:
XX/XX/2024 I became a victim of identity theft. Multiple credit cards were approved in my name. The suspect maxed out all cards and cause my credit score to tank into the XXXX. Til this day, I have disputed multiple times, stating that Ive been in a natural disaster, but due to concerns of being sued or brought to legal terms, Ive never went to file a police report. I tried to file a FTC report after the charge off was added to my account, but no one wants to help me. I would like the late payment status & charge off to be verified and corrected.

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 2024-11-29 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-30 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: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/XXXX and XX/XX/XXXX ( and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
I am urgently filing a complaint regarding fraudulent accounts and inquiries on my credit report caused by identity theft, which have severely impacted my financial well-being. The accounts in question, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and others, were opened without my authorization, and several associated addresses, such as XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX are not linked to me and must be removed. These accounts contain inconsistent information across XXXX, Experian, and XXXX, violating 15 U.S.C. 1681e ( b ), which mandates accuracy in reporting. Creditors have also failed to notify me within the required 5-day period under 15 U.S.C. 1692g and have not validated the debts despite repeated requests, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ). Under 15 U.S.C. 1681c-2, I am entitled to the immediate removal and permanent blocking of this fraudulent information. Despite submitting supporting documentation, including a police report, proof of identity, and certified dispute letters, no corrective action has been taken. I demand the immediate removal of these fraudulent accounts and inquiries, as their continued presence violates federal law and has caused significant harm. Failure to act promptly will leave me no choice but to pursue legal remedies.

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 2024-11-29 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: NJ

Complaint narrative:
XXXX Account number XXXX. is reporting an open debt that is incorrect this has been paid and the account needs to be deleted, 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 ). Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law I intend to follow through with this if it is not rectified and I am compensated immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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:
Subject : Dispute Regarding Fraudulent Accounts Resulting from Equifax Data Breach Dear Equifax Dispute Resolution Team, I am writing to dispute fraudulent accounts appearing on my credit report, which I believe are a direct result of the 2017 Equifax data breach. As you are aware, this breach compromised the personal information of approximately XXXX XXXX individuals, including sensitive data such as Social Security numbers, dates of birth, and addresses. Unfortunately, my information was among those compromised. 

Specifically, I have noticed accounts on my Equifax credit report that are not mine. 

These include : 1. Creditor Name : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Account Numbers : [ Provide partial account numbers, if available ] Issue : These accounts were fraudulently opened using my stolen information. 
The presence of these accounts is deeply troubling, as I did not authorize them, nor do I have any association with them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Per Section 611 ( 15 U.S.C. 1681i ), Equifax must conduct a reasonable investigation to verify the accuracy of the disputed information and remove any inaccuracies. 

I request that Equifax : Investigate these fraudulent accounts and verify them with the creditors. 

Permanently delete all accounts not authorized by me from my credit report. 

Provide a written response detailing the outcome of your investigation. 

The data breach has caused undue hardship and exposed me to identity theft and fraud. I urge you to prioritize this matter and ensure these inaccuracies are corrected promptly. If this issue is not resolved within the 30-day investigation period outlined by the FCRA, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) or other relevant authorities. 

Thank you for your immediate attention to this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-11-29 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: Navient Solutions, LLC.
State: DE

Complaint narrative:
Violations of My Consumer Rights and Monetary Relief for Gross Misrepresentation : Title 12 establishes that cases involving securities automatically fall under Federal Court jurisdiction. I am seeking to mediate with the involved parties before pursuing federal litigation. Per 16 CFR 433.2, the holder ( XXXX XXXX ) of consumer credit contracts is entitled to uphold all consumer rights, including exemptions. According to 15 USC 6802-6805, 16 CFR 433.2, 16 CFR 433.3, and 16 CFR 313.7, I was not provided an opt-out request and have the right to opt out of any and all agreements. Misreporting on my credit reports has occurred, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Under the terms and privacy policies of the Department of Education and the Educational and Privacy Act of 1974, my school and banks were not authorized to disclose transaction history or personal financial information to third parties such as XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, violating my privacy rights. Furthermore, under 15 USC 6802 and 5 USC 552A, I was not given the option to exercise my non-disclosure rights, and my social security number and other personal information were unlawfully shared. Per IRS Publication 4681, canceled or closed debts, including " charge-offs, '' are considered income and should not be reported on credit reports. Reporting such items violates the law. Credit reports include non-mailable addresses, further infringing on my privacy. Additionally, promotional inquiries occurred without my consent, violating 17 CFR 424 and the terms outlined in the XXXX and XXXX reports of these entities. The Early Warning Services report provides evidence of these violations, including unauthorized disclosures. These violations by XXXX, XXXX, XXXX, XXXX XXXX XXXX, the Department of Education, XXXX, XXXX XXXX, XXXX Bank, and other entities have caused financial and emotional harm due to gross misrepresentation. I reserve the right to file an FTC identity theft claim and escalate this matter through legal channels if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: MOHELA
State: DE

Complaint narrative:
Violations of My Consumer Rights and Monetary Relief for Gross Misrepresentation : Title 12 establishes that cases involving securities automatically fall under Federal Court jurisdiction. I am seeking to mediate with the involved parties before pursuing federal litigation. Per 16 CFR 433.2, the holder ( XXXX XXXX ) of consumer credit contracts is entitled to uphold all consumer rights, including exemptions. According to 15 USC 6802-6805, 16 CFR 433.2, 16 CFR 433.3, and 16 CFR 313.7, I was not provided an opt-out request and have the right to opt out of any and all agreements. Misreporting on my credit reports has occurred, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Under the terms and privacy policies of the Department of Education and the Educational and Privacy Act of 1974, my school and banks were not authorized to disclose transaction history or personal financial information to third parties such as XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  violating my privacy rights. Furthermore, under 15 USC 6802 and 5 USC 552A, I was not given the option to exercise my non-disclosure rights, and my social security number and other personal information were unlawfully shared. Per IRS Publication 4681, canceled or closed debts, including " charge-offs, '' are considered income and should not be reported on credit reports. Reporting such items violates the law. Credit reports include non-mailable addresses, further infringing on my privacy. Additionally, promotional inquiries occurred without my consent, violating 17 CFR 424 and the terms outlined in the XXXX and XXXX reports of these entities. The XXXX XXXX XXXX  report provides evidence of these violations, including unauthorized disclosures. These violations by XXXX, XXXX, XXXX, XXXX XXXX XXXX, the Department of Education, XXXX, XXXX XXXX, XXXX Bank, and other entities have caused financial and emotional harm due to gross misrepresentation. I reserve the right to file an FTC identity theft claim and escalate this matter through legal channels if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: AES/PHEAA
State: DE

Complaint narrative:
Violations of My Consumer Rights and Monetary Relief for Gross Misrepresentation : Title 12 establishes that cases involving securities automatically fall under Federal Court jurisdiction. I am seeking to mediate with the involved parties before pursuing federal litigation. Per 16 CFR 433.2, the holder ( XXXX XXXX ) of consumer credit contracts is entitled to uphold all consumer rights, including exemptions. According to 15 USC 6802-6805, 16 CFR 433.2, 16 CFR 433.3, and 16 CFR 313.7, I was not provided an opt-out request and have the right to opt out of any and all agreements. Misreporting on my credit reports has occurred, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Under the terms and privacy policies of the Department of Education and the Educational and Privacy Act of 1974, my school and banks were not authorized to disclose transaction history or personal financial information to third parties such as XXXX, XXXX, XXXX  XXXX XXXX XXXXXXXX, or XXXX, violating my privacy rights. Furthermore, under 15 USC 6802 and 5 USC 552A, I was not given the option to exercise my non-disclosure rights, and my social security number and other personal information were unlawfully shared. Per IRS Publication 4681, canceled or closed debts, including " charge-offs, '' are considered income and should not be reported on credit reports. Reporting such items violates the law. Credit reports include non-mailable addresses, further infringing on my privacy. Additionally, promotional inquiries occurred without my consent, violating 17 CFR 424 and the terms outlined in the XXXX and XXXX reports of these entities. The XXXX XXXX XXXX report provides evidence of these violations, including unauthorized disclosures. These violations by XXXX, XXXX, XXXX, XXXX XXXX XXXX, the XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and other entities have caused financial and emotional harm due to gross misrepresentation. I reserve the right to file an FTC identity theft claim and escalate this matter through legal channels if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a {$50.00} prepaid Visa card from my family in late XXXX. I used the directions for activating the card online and was told it was ready for use, but must be defective. After many unsuccessful attempts at retailers to use the card. I called Vanilla Gift 's customer service on XXXX to inform them the card was not working. They verified the card and said they were sending me a new replacement card via XXXX within 5 days. It did not arrive, so I called back on XX/XX/XXXX. I was told another card was being sent via XXXX On XX/XX/XXXX, I was told again a new replacement card was being sent and I should wait 10 days. On XX/XX/XXXX I called again because I have still not received a replacement card. During this call, I was told to email them directly for further assistance, however I am not confident they will respond or satisfy my complaint about not receiving the replacement card after almost 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My personal information is inaccurate on my 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