vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of several unauthorized accounts and inquiries listed on my credit report. I am a victim of a recent data breach, and these accounts and inquiries were fraudulently opened or accessed without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you permanently remove the following entries. 
Unauthorized Accounts XXXX. XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$4600.00} XXXX. XXXX XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$6600.00} XXXX. XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$2700.00} XXXX. XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$6600.00} XXXX. XXXX OF XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$6500.00} XXXX. XXXX XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$9500.00} Unauthorized Inquiries XXXX. XXXX - XXXX XX/XX/XXXX 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
Consumer complaint received 2024-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Incorrect Personal Information : NAME : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-11-01 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:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report following a recent data breach. I am a victim of identity theft, and these accounts and inquiries were not initiated by me. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent entries be permanently removed from my credit report.

The following accounts are fraudulenXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX  for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-11-01 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:
My name is XXXX XXXX. I am not filing this claim as a third person. I am a living woman whose privacy rights have been violated. The accounts listed below have been reporting to my personal reports and have had a negative effect on my life, extremely reducing the ability to obtain any credit in my name. 

ACCOUNT : 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 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 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 I have asked the companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.

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 2024-11-01 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: LA

Complaint narrative:
I am writing to formally request the blocking and permanent deletion of the fraudulent account and inquiry listed below, which were created in my name without my authorization as a result of a data breach. I am a victim of identity theft, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their immediate removal from my credit report. 
The details of the fraudulent account are as follows : XXXX. XXXX, XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2000.00} Additionally, please remove the following unauthorized inquiry : 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 non-monetary relief
Consumer complaint received 2024-11-01 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 permanent deletion of the fraudulent account and inquiry listed below, which were created in my name without my authorization as a result of a data breach. I am a victim of identity theft, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their immediate removal from my credit report. 
The details of the fraudulent account are as follows : XXXX. XXXX, XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2000.00} Additionally, please remove the following unauthorized inquiry : 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
Consumer complaint received 2024-11-01 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:
My credit report includes items that stem from fraudulent activity, none of which I ever authorized or benefited from. This situation misrepresents my character and is deeply upsetting. My rights have been violated, causing significant distress. Although I've already reported this to the Federal Trade Commission, these items still remain on my report. Its frustrating to see that the very system designed to protect individuals in my situation hasnt provided a resolution.

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 2024-11-01 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: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
XX/XX/year> we received the check from our insurance company ( XXXX XXXX XXXX ) for claim number XXXX for {$75000.00}. That is partial check for the repairs after the hail. Mortgage company Planet Home Lending had to endorse the check and release the funds to me and my wife in order for us to start replacing our roof. They received the check XX/XX/year> with all the paperwork they requested from us. Since then we call them everyday and ask to send us the check to start the work. We have underage kids, our roof is leaking, mold started to accumulate, the electricity is flickering, the weather here in Illinois is getting colder and soon we won't be able to replace our roof because the winter is coming. The lender told us that they will be releasing partial payments and will be sending their inspector to check the progress of the work. We are still waiting for the first check to be sent. Our contractor can not even order the material for the roof and today we were told by the lender that they will send the check soon for {$10000.00}. The replacement of the roof cost {$100000.00}, the contractor asked for 60 % to start the work, he needs at least XXXX just to order the material. We explained this to our mortgage company and they told us to use our own money which we do not have. We asked to at least send enough money to start the work but they refused. We offered them to even send the money directly to the contractor but they declined. We talk to them and ask for help everyday but they refuse. We don't know who to talk to anymore. We are running out of time. Our mortgage company told us different excuse every time we called. We requested them to email us all their decisions through email in writing but we never got any written response from them. Please help us to fix this situation. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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 that all the accounts listed below be blocked and permanently deleted from my credit report as a result of a recent data breach, pursuant to the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ). These accounts were fraudulently opened or reported without my authorization, and I am a victim of identity theft. 
Please find the details of the fraudulent accounts below : XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$23000.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$5700.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$410.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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 that all the accounts listed below be blocked and permanently deleted from my credit report as a result of a recent data breach, pursuant to the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ). These accounts were fraudulently opened or reported without my authorization, and I am a victim of identity theft. 
Please find the details of the fraudulent accounts below : XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$23000.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$5700.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I asked the mortgage servicing company many times to pay the property taxes and was now due on XX/XX/XXXX and they have refused to act on it. I am incurring late fees and penalties with my municipality.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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 contacting you as a victim of a data breach that has resulted in unauthorized accounts appearing on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following unauthorized accounts and inquiries from my credit file. 
Unauthorized Accounts XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$8600.00} XXXXXXXX XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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 contacting you as a victim of a data breach that has resulted in unauthorized accounts appearing on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following unauthorized accounts and inquiries from my credit file. 
Unauthorized Accounts XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$8600.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : 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
Consumer complaint received 2024-11-01 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: NY

Complaint narrative:
I am writing to request the blocking and deletion of an unauthorized inquiry on my credit report. 
As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request the removal of all fraudulent items.

Unauthorized Inquiry : XXXX XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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 am writing to request the blocking and deletion of an unauthorized inquiry on my credit report. 
As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request the removal of all fraudulent items.

Unauthorized Inquiry : XXXX XX/XX/year> 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 2024-11-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX DATE : XX/XX/XXXX Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau, I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA. 

15 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account.

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief