vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I just discovered incorrect accounts on my credit report this morning, and Im absolutely devastated because I dont know why this is happening. Ive always checked my report routinely, and everything has been fine until now. I even tried refreshing the browser, thinking it might fix the issue, but it didnt work. Please review the documents I sent ; I cant handle this stress any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: NC

Complaint narrative:
When I checked my credit report today, I saw inaccuracies that I can not explain, and it has left me feeling hopeless. Ive been diligent about monitoring my report, and this came out of nowhere. I refreshed my browser multiple times, praying it was a glitch, but nothing changed. I desperately need you to go through the documents I submitted to ensure this nightmare ends.

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 2024-12-20 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: NC

Complaint narrative:
Im frustrated and confused by the unauthorized inquiries on my credit report. Even after refreshing my browser, the issue remains unresolved. I demand a prompt review of the documents Ive sent to fix this situation now.

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 2024-12-20 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my credit report. I want the fraudulent accounts removed immediately because they hurt my ability to obtain credit. Thank 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 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: LA

Complaint narrative:
XX/XX/year>, I requested to XXXX, XXXX, And XXXX to validate the debt with Pro Collect. I have not received any forms of communication, and the debt is still reporting on my credit report. This debt legally does not belong to me, and I would like this matter resolved. I have also reached out to Pro collect and received no response.

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 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
XX/XX/year>, I requested to XXXX, XXXX, And XXXX  to validate the debt with XXXX XXXX. I have not received any forms of communication, and the debt is still reporting on my credit report. This debt legally does not belong to me, and I would like this matter resolved. I have also reached out to XXXX XXXX and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that i did not authorized or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit but also causing my significant stress and anxiety. I have no connection to these to these account accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Agency : I am writing to formally request the removal of an unverifiable and inaccurate account from my credit report as reported by Equifax, XXXX, and XXXX. This account, XXXX XXXX XXXX XXXX in the amount of {$11000.00}, has been investigated and subsequently deleted from my XXXX credit report as of XX/XX/scrub>XXXX XXXX XXXX 

As mandated by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ), consumer reporting agencies must maintain maximum possible accuracy in their reporting. XXXX has verified during their investigation that this account is unverifiable and has deleted it from my credit file. Therefore, this same standard of accuracy and verification applies to your agency, and you are now required to follow suit in accordance with the FCRA.

Additionally, 15 U.S. Code 1681i ( a ) obligates you to reinvestigate and remove any disputed information that can not be verified within a reasonable period of time, typically 30 days. The deletion of this account by XXXX constitutes sufficient evidence that this account can not be verified and, thus, can not legally remain on my credit report. 

Please consider this letter as my formal dispute of this account with your agency. I kindly request that you take the following actions : Delete the XXXX XXXX XXXX account entirely from my credit report within 30 days or less. 

Provide written confirmation that the account has been removed or the results of your investigation. 

Failure to comply with this request within the specified time may result in my pursuing legal remedies, as permitted under 15 U.S. Code 1681n and 15 U.S. Code 1681o. These provisions of the FCRA allow me to seek damages for noncompliance, including but not limited to statutory damages, actual damages, court costs, and attorney 's fees. 

I have attached a copy of the updated XXXX credit report reflecting the deletion of this account for your reference. Please consider this documentation as evidence in support of my request. 

I look forward to your timely compliance and written confirmation of the removal of this account from my credit report. Should you require any additional information to process this dispute, please do not hesitate to contact me using the information provided above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: GA

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Agency : I am writing to formally request the removal of an unverifiable and inaccurate account from my credit report as reported by XXXX, Experian, and XXXX. This account, XXXX XXXX XXXX XXXX in the amount of {$11000.00}, has been investigated and subsequently deleted from my XXXX credit report as of XX/XX/year>. 

As mandated by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ), consumer reporting agencies must maintain maximum possible accuracy in their reporting. XXXX has verified during their investigation that this account is unverifiable and has deleted it from my credit file. Therefore, this same standard of accuracy and verification applies to your agency, and you are now required to follow suit in accordance with the FCRA. 

Additionally, 15 U.S. Code 1681i ( a ) obligates you to reinvestigate and remove any disputed information that can not be verified within a reasonable period of time, typically 30 days. The deletion of this account by XXXX constitutes sufficient evidence that this account can not be verified and, thus, can not legally remain on my credit report. 

Please consider this letter as my formal dispute of this account with your agency. I kindly request that you take the following actions : Delete the XXXX XXXX XXXX account entirely from my credit report within 30 days or less. 

Provide written confirmation that the account has been removed or the results of your investigation. 

Failure to comply with this request within the specified time may result in my pursuing legal remedies, as permitted under 15 U.S. Code 1681n and 15 U.S. Code 1681o. These provisions of the FCRA allow me to seek damages for noncompliance, including but not limited to statutory damages, actual damages, court costs, and attorney 's fees. 

I have attached a copy of the updated XXXX credit report reflecting the deletion of this account for your reference. Please consider this documentation as evidence in support of my request. 

I look forward to your timely compliance and written confirmation of the removal of this account from my credit report. Should you require any additional information to process this dispute, please do not hesitate to contact me using the information provided above. 

Thank you for your prompt attention to this matter.

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 2024-12-20 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX XXXX  Balance Owed : {$5600.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXXXXXX Balance Owed : {$460.00} 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 2024-12-20 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: NC

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 non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Fraudulent charges were made to my Chase debit card on XX/XX/year> and XX/XX/year> in the amount of {$100.00} each by XXXX XXXX XXXX. I disputed these charges with Chase Bank along with almost {$1000.00} in other fraudulent charges made to my account on the same day. Chase Bank investigated all the fraudulent charges and credit them back to my bank account. However recent findings of their investigation determined the charges from XXXX XXXX XXXX to be valid because the merchant validated my billing address. I made no purchase from this merchant on those dates and did not receive any confirmation emails or confirmation of purchase from this merchant. I was denied reversal of these charges totaling {$200.00} from this merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NC

Complaint narrative:
I am writing to file a complaint regarding unauthorized credit inquiries made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize these inquiries, nor have I provided consent for any credit applications or related actions that would warrant such activity. These unauthorized inquiries are negatively impacting my credit score and financial standing. I have contacted XXXX XXXX to address this matter but have not received a satisfactory resolution. I need XXXX wet signature applications and proof of authorization and consent. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these unauthorized inquiries and take appropriate action to ensure their removal and prevent further unauthorized activity.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
There are accounts on my credit report that I did not authorize, which may be linked to identity fraud. I request that these accounts be blocked and removed.

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 2024-12-20 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: NY

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 non-monetary relief
Consumer complaint received 2024-12-20 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: AZ

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 explanation
Consumer complaint received 2024-12-20 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: AZ

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there seems to be some confusion regarding their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their reappearance, nor have I received any mail about this matter.

Company response to consumer: Closed with explanation