vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of identity theft due to a recent data breach. As a result, several unauthorized accounts and inquiries have appeared on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit file : 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 XXXXXX/XX/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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-11-12 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: GA

Complaint narrative:
After reviewing my credit report on XX/XX/XXXX I notice there are a serval accounts reporting inaccurate information in violation of my consumer rights 15 USC 1681 ( e ) B. The following accounts and inquiries are reporting that I didn't not authorize or never did business with. The accounts are reporting different open dates, I am XXXX human I can not open the same exact accounts with matching account numbers on different dates. The following accounts are as followed : XXXX {$580.00} date reporting XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  shows no balance but its reporting negative currently date reporting XX/XX/XXXX ablty recvry {$1400.00} date reporting XX/XX/XXXX and XX/XX/XXXX XXXX {$870.00} date reporting XX/XX/XXXX and XX/XX/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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my credit report on XX/XX/XXXX I notice there are a serval accounts reporting inaccurate information in violation of my consumer rights 15 USC 1681 ( e ) B. The following accounts and inquiries are reporting that I didn't not authorize or never did business with. The accounts are reporting different open dates, I am XXXX human I can not open the same exact accounts with matching account numbers on different dates. The following accounts are as followed : XXXX {$580.00} date reporting XX/XX/XXXX and XX/XX/XXXX XXXX XXXX shows no balance but its reporting negative currently date reporting XX/XX/XXXX XXXX XXXX  {$1400.00} date reporting XX/XX/XXXX and XX/XX/XXXX XXXX XXXX$870.00} date reporting XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: AL

Complaint narrative:
In XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: AL

Complaint narrative:
In XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing 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 explanation
Consumer complaint received 2024-11-12 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: NY

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-11-12 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: NY

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-11-12 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: PA

Complaint narrative:
I was completely taken aback to find inaccurate accounts on my credit report tonightI have no idea how this happened. I regularly check my credit report, and this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might just be a technical issue, but the errors were still there. I am requesting a thorough review of the documents I've submitted so I can finally put this worry behind me.

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 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kikoff Inc.
State: TX

Complaint narrative:
Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. In the results of your first investigation, you stated in quitting that you '' verified " that these items are being reported correctly? Who Verified these accounts? You have NOT Provided me a copy of ANY original documentation required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA- You are Required to " ... Promptly DELETE all information which can not be verified. '' I Demand the account be verified or deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance {$2700.00} Balance updated XX/XX/XXXX, XXXX XXXX XXXX Balance {$250.00} Balance updated XX/XX/year> Multiple calls from both agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I recieved mail stating I had a medical debt that was delinquient, and so it was taken up by a debt collector. I recieved a phone call from them asking for the money. They said it was a doctor XXXX, and I asked who was the doctor that I have to pay, and they would not answer. I told them I would call the XXXX  for more information but they kept telling me not to, saying that they can answer my questions. I called the hospital anyways and they said I do not have a XXXX  bill but I XXXX have a XXXX 's bill. I looked at the mail that was sent to me and it had a website listedXXXX XXXX XXXX XXXX I went on the website and inputed my information, but it stated that my account was not accesible, sorcing me to call the company again. I then called the company and they tried to persuade me to make a payment over the phone. They had my name, social security number, date of birth, and my address, which I did not give them. They had information of when I visited the hospital as well, leading me to believe that this was a legitimate bill. After hours of phone calls to the hospital, it was concluded that I do not have a bill from them, nor from a physisian.

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 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year> I sent {$2000.00} from my XXXX account to my XXXX via XXXX. The money was removed from XXXX but was never deposited into my XXXX. I called XXXX and they do not have any record of the transaction number. I filed a claim with XXXX on XX/XX/year>, and waited the XXXX to XXXX business days for a response via mail. The letter has yet to arrive. I had to go to a local branch on XX/XX/year>, to have them provide me with a copy. The letter is dated for XX/XX/year>. On XX/XX/XXXX & XXXX I called XXXX again about return my funds and they asked me to provide the name of recipient. I gave them my name and I was told that was not the name of the recipient. They also gave me the last XXXX of the account number and Bank ID, which is not mine. Ive called again today, XX/XX/year>, and was told there is nothing they can do. Ive called XXXX and they can not help me because the transaction was made via mobile banking. Apparently, XXXX does not have access to mobile banking. I was informed by XXXX that someone has removed the telephone number from my XXXX account. I do not know how an unauthorized user was able to do that. I need assistance in retrieving my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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 am writing to formally dispute inaccurate information on my credit report as provided by your bureau, specifically regarding the account with XXXX XXXX. After reviewing my credit report, I have found numerous inaccuracies and late payment entries that violate my rights under the Fair Credit Reporting Act ( FCRA ). 

# # # Inaccuracies Identified : XXXX. Account XXXX : The account is reported as " XXXX, '' which does not accurately reflect my payment history and the status of this account. 
XXXX. Payment History : The reported payment history shows multiple late payments ( XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX ) that are incorrect. I have made payments in accordance with the agreed terms and have documentation to support this. 
XXXX. Reported Balance : The reported balance of {$21000.00} does not reflect the payments I have made, and I dispute this amount as well. 

# # # FCRA Violations : These inaccuracies are in direct violation of the following provisions of the FCRA : - Section 1681e ( b ) : This section requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information reported. The inaccuracies in my file indicate that this requirement has not been met. 
- Section 1681i : This section grants consumers the right to dispute information in their credit reports and requires bureaus to conduct a reasonable investigation of those disputes. Given the inaccuracies in my report, I expect a thorough review and rectification.

- Section 1681s-2 ( a ) : This section outlines the responsibilities of furnishers of information to provide accurate information. XXXX XXXX has failed to do so, as reflected in your reports. 



# # # Address Removal Request : Additionally, I request the removal of my previous address : I require written confirmation that these inaccuracies and outdated addresses have been removed from my credit report. Should you fail to comply with these demands, I will pursue all remedies available to me under the FCRA, including, but not limited to, filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal action.

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 2024-11-12 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: MA

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX XXXX I had various bouncing items and fees associated with those items. I always had the money available for said purchases, but they would bounce. I would then be charged fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: IL

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I received my credit report every other month. My credit score went down so I checked my report. I saw 2 open accounts for XXXXXXXX XXXX  in collections which i never opened.. On my credit report I saw name IC system Inc XXXX and XXXX asset solution both for same amount {$1700.00}. they advised they are using cell # XXXX with email address 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 2024-11-12 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information related to identity theft removed from my credit file. Please process this request as soon as possible to help safeguard my personal information and credit integrity. 
Accounts to be Blocked and Deleted : XXXX XXXX AUTO - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1500.00} XXXX XXXX  XXXX - XX/XX/XXXX XXXX {$89000.00} Inquiries to be Removed : XXXX XXXX XXXX - XX/XX/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