vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Office of the Attorney General XXXX. 
Phone ( XXXX ) XXXX. 
Mailing Address XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. 


Subject : Inaccurate Credit Reporting by Equifax To whom it may concern I am writing to formally address a concerning issue regarding my credit report as reported by Equifax. I have noticed that Equifax has been reporting false and misleading information across different scoring models. 

Upon reviewing my credit reports from XXXX and XXXX, I found that there is no XXXX XXXX XXXX XXXX account listed. If the reporting from XXXX XXXX XXXX  were accurate, this account should be reflected across all three major credit bureaus. 

I am also including a copy of my Equifax credit report obtained from XXXX for your review. It is clear that Equifax has violated the provisions outlined in 15 U.S. Code 1681, specifically regarding the accuracy and fairness of credit reporting.

I kindly request that the CFPB take appropriate action to ensure that the inaccurate XXXX XXXXXXXX XXXX XXXX account is removed from my credit report.

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

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Debt was sold to a collections agency I dont know who this company is because I dont have any signed agreements with them and PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S CODE 1692 this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: MO

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and request that the following accounts and inquiries be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or recorded fraudulently in my name as a result of the breach.

Below are the affected accounts and inquiries : Accounts to Be Blocked and Deleted : XXXX. XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$12000.00} Inquiries to Be Removed : 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 non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed some collections, charge off that I did not approve anyone to pull my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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:
his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX BALANCED {$0.00} 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 10/05/2024 PARTNERSCR - 10/31/2024 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I noticed a fraudulent activity from XXXX XXXX which is linked with TD Bank system. I never opened an account with XXXX XXXX through TD Bank XXXX XXXX. This is an identity theft issue. There were unauthorized payments to my XXXXXXXX XXXX account from XX/XX/XXXX to XX/XX/XXXX. For example, the payments were withdrawn every month in the amount of {$61.00}, {$35.00}, and {$31.00}. I thought they were payments for my phone carrier bill. But they were not. Someone used my identity to pay the unknown product I did not authorize. The total amount XXXX XXXX charged to my XXXXXXXX XXXX  account is approximately over {$2100.00}. Therefore, I closed my XXXX checking account. 

On XX/XX/XXXX, I received a letter from TD Retail Card Services. It said " This letter is in response to your report of a fraudulently opened account in your name. We have closed the above referenced account to prevent its future use. You will not be responsible for any purchases made on this account. '' But the company opened another account in my name to receive remaining payments for purchases made by the identity theft. On XX/XX/XXXX, they company mailed me another letter saying " Please be advised, due to the unauthorized transaction, account ending in XXXX was closed for your security, and a new account number ending in XXXX was established. Please refer to your next billing statement for your account number and minimum monthly payment. '' This is fraudulent because I never requested to open another account after I noticed the unauthorized transactions in my XXXX bank account. This doesn't make sense at all. 

Today, XXXX XXXX keep sending bills with late fee charge to make payments for the remaining balance of {$380.00} due by XX/XX/XXXX. The company continue sending bills after they acknowledged its fraudulently charged payments of approximately XXXX XXXX This is fraud. I have no reason to receive bills from XXXX XXXX and XXXX XXXX XXXX XXXX. 

I have attached all the files of fraudulently charged payments in my closed XXXX bank account. I also attached all the documents received from XXXX XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: GA

Complaint narrative:
" I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: MO

Complaint narrative:
I

am writing to formally notify you that I am a victim of a data breach and request that the following accounts and inquiries be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or recorded fraudulently in my name as a result of the breach. Below are the affected accounts and inquiries : Accounts to Be Blocked and Deleted : XXXX. XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$12000.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: MO

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and request that the following accounts and inquiries be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or recorded fraudulently in my name as a result of the breach.

Below are the affected accounts and inquiries : Accounts to Be Blocked and Deleted : XXXX. XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$12000.00} Inquiries to Be Removed : 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 2024-12-07 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to address the inaccurate late payment listings on my consumer report, specifically concerning the accounts associated with KIKOFF, KIKOFF and XXXX, XXXX, with the reported late payment dated on my credit report. This is my third attempt to resolve this matter amicably.

I still noticed discrepancies in the information being furnished on my credit report. It is imperative to acknowledge that various federal laws are in place to safeguard consumer rights and ensure fair business practices. I would like to draw your attention to 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), which explicitly prohibits reporting or treating a payment on an open-ended credit plan as late for any reason.

Furthermore, 15 USC 16819 ( B ) stipulates that as a consumer, I must grant permission for the furnishing of information on my behalf. To date, I have not provided such authorization to [ Name of Company Reporting Late Payment ]. Thus, the reporting of late payments without my consent is a violation of consumer protection laws.

Additionally, the billing errors identified under 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ), including the creditor 's failure to reflect payments properly on a statement and computation errors, further highlight the inaccuracies in the reported information. As per the Fair Credit Billing Act, the creditor is obligated to notify me at least 21 days before the due date if there are any discrepancies in the statement. Failure to do so renders any late payment designation as a billing error. The following items must be promptly updated to reflect " paid as agreed '' on my consumer report : KIKOFF - XXXX, KIKOFF - XXXX I demand conclusive evidence from the creditor 's records demonstrating that the reported late payments were indeed justified and not the result of billing errors. Your persistent failure to rectify these inaccuracies not only tarnishes my consumer report but also undermines my financial standing.

I hereby request that the late payment listings associated with the aforementioned accounts be promptly updated to reflect accurate information or removed entirely. Failure to comply will result in legal action seeking monetary compensation for violations of my rights under 15 USC 1681n civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
I was incarcerated from XXXX. My house was broken into where my phone several debit cards and other personal items and information were stolen. I made a police report and sent them paperwork showing I was incarcerated during this period of time where several transactions were made that were obviously not made by me totalling around {$1500.00}. My dispute was denied even though I provided this information I appealed and it was denied as well told them I wanted to start arbitration process several times to receive no answer in their user agreement it states that if I tell them I want to start the arbitration process they have to go forward with it and they're still refusing. I had the same issue with 2 other debit cards and they replaced my money immediately. Something needs to be done about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I carried out 2 online charges one after the other using my CITIBANK DEBITCASH CARD. One charge totaled XXXX and the other totaled XXXX. My balance was checked before the charges were made and I confirmed after the 2 transactions that the money was removed from my account being that I have no pending charges accept a XXXX my account balance was stable. When I got my deposit my balance rose to XXXX which would be correct if I had XXXX and my a my check was XXXX. I check my balance today and now there is XXXX dollars missing leaving my correct balance negatively reflected when the money for both charges VIA DEBIT CASH was already taken from my account. I would like to recieve my XXXX for my CITIBANK ACC XXXX, I also notice that they settle finances in the middle of the night and also wait till Friday to settle pending charges which is conflicting being that people should be able to check and balance employment deposits without interference of deceptive banking practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft resulting from a recent data breach. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$55.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft resulting from a recent data breach. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$55.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiry : 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 2024-12-07 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: TX

Complaint narrative:
" Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from 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 2024-12-07 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: TX

Complaint narrative:
" Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation