vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good day, this is very alarming as there are items on my credit report that have resulted from fraud to which I never benefitted from. This is making me really anxious and stressing me out, it's a really time-sensitive problem for who knows what else they are doing with my information and this is already devastating to me. 
I have reported them to the Federal Trade Commission but they are not removed from my report which is really frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To my utter disbelief, I found incorrect accounts on my credit report this evening, and I have no clue why. I check my credit report often, and this was the first time I've seen anything so unexpected. I thought it might just be a browser issue, so I refreshed it, but nothing changedthe false accounts stayed there. I'm now requesting that the documents Ive submitted be carefully examined so I can finally have peace of mind and not deal with this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: VA

Complaint narrative:
I am writing to follow up on my previous dispute concerning several inaccurate and unverified accounts on my credit file. Despite my prior request, these accounts continue to be reported, even though they remain unverified and unjustly associated with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: VA

Complaint narrative:
I am writing to follow up on my previous dispute concerning several inaccurate and unverified accounts on my credit file. Despite my prior request, these accounts continue to be reported, even though they remain unverified and unjustly associated with 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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been for years trying to deal with this Identity theft on my own and have had to hire lawyers in order to sue credit bureaus as they are giving me an extremely hard time removing these fraudulent accounts from my credit file. Someone stole my identity and opened up over XXXX accounts in my name using my information. I have sued XXXX and XXXX and they have corrected the issues, but Transunion will not and I have decided to file suit against them as well. 

Creditors are telling them that the information is accurate and it is not. I am sure it shows accurate because they used my information but I did not authorize ant of this. 


This will be my last time trying to get TransUnion to fix this before I file suit. 
I will file suit against XXXX as well again XXXX refuses to remove the following accounts XXXX XXXX XXXX {$150.00} XXXX XXXX  I had several XXXX XXXX accounts and paid all OUTSTANDING this negative one reporting should not be there! XXXX XXXX XXXX is showing on my credit file with a XXXX balance and negative and this is a fraud account. XXXX XXXX XXXX is showing as a collection on my account from a fraudulent XXXX XXXX XXXX account that is not even showing on my XXXX credit report for XXXX $ XXXX XXXX  11 hard inquiries and i was told just because I financed a car a year ago that it was mine and that is it not true as i did not give XXXX XXXX  ( reporting 2 times ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PERMISSION to run my credit. 



Transunion is reporting all of these fraud accounts on my credit file and I will file suit XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$1500.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$6200.00} XXXX XXXX {$110.00} Not only are they reporting fraud accounts but also have these accounts listed multiple times on my credit file. 
Transunion is also reporting Tins of Inquiries that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 will use this as proof in court that I have tried disputing with both XXXX  and transunion Transunion also has my debt totally wrong because of all the fraud accounts

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-10 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 was completely shocked to see inaccurate accounts appear on my credit report tonight, and I have no idea how they got there. I check my credit report regularly, but this time, these discrepancies just appeared out of nowhere. I even tried refreshing my browser, thinking it might just be a glitch, but the inaccuracies remained. Now, Im hoping that the documents Ive provided will be thoroughly reviewed so I can stop worrying about this ever happening again.

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 2024-09-10 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 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 explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Eastern Account Systems Account number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Your NAME : XXXX XXXX Your address:XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX 

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.4. Proof that the original creditor securitized the debt.5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: PA

Complaint narrative:
This is a long on going problem with XXXX and now XXXX. Please review previous complaints filed - # XXXX and # XXXX. I have now received a letter from XXXX  that they are again collecting on this debt that was dismissed in court in my favor due to XXXX NOT providing ANY proof that this is my account and debt. On previous complaint XXXX sent a reply that this would be resolved from my credit of all three agencies! I received a letter from XXXX now trying to collect on this. Further, I received notification from credit report online that the information reported by XXXX is correct as to being my account. To this date no one has provided any documents to prove this is my account/debt! 

Further, I am now taking the position that if this not removed from all three credit reporting agencies that XXXX and XXXX are blatantly ignoring a court order rendered in my favor and are now harassing on nature. 

I am now letting them know if this is not removed in 15 days from this date, I will be filing action against them.

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 2024-09-10 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: PA

Complaint narrative:
This is a long on going problem with XXXX and now XXXX. Please review previous complaints filed - # XXXX and # XXXX. I have now received a letter from XXXX  that they are again collecting on this debt that was dismissed in court in my favor due to XXXX NOT providing ANY proof that this is my account and debt. On previous complaint XXXX sent a reply that this would be resolved from my credit of all three agencies! I received a letter from XXXX now trying to collect on this. Further, I received notification from credit report online that the information reported by XXXX is correct as to being my account. To this date no one has provided any documents to prove this is my account/debt! 

Further, I am now taking the position that if this not removed from all three credit reporting agencies that XXXX and XXXX are blatantly ignoring a court order rendered in my favor and are now harassing on nature. 

I am now letting them know if this is not removed in 15 days from this date, I will be filing action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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:
This is a long on going problem with XXXX and now XXXX. Please review previous complaints filed - # XXXX and # XXXX. I have now received a letter from XXXX  that they are again collecting on this debt that was dismissed in court in my favor due to XXXX NOT providing ANY proof that this is my account and debt. On previous complaint XXXX sent a reply that this would be resolved from my credit of all three agencies! I received a letter from XXXX now trying to collect on this. Further, I received notification from credit report online that the information reported by XXXX is correct as to being my account. To this date no one has provided any documents to prove this is my account/debt! 

Further, I am now taking the position that if this not removed from all three credit reporting agencies that XXXX and XXXX are blatantly ignoring a court order rendered in my favor and are now harassing on nature. 

I am now letting them know if this is not removed in 15 days from this date, I will be filing action against them.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As much as I want to understand that there may be a surge of people reaching out to you about their credit report, I still don't get why my complaint has not progressed or given any possible outcome about this matter. I am extremely disappointed because the accounts I asked of you to remove is still reflecting on my file and is negatively affecting me and my future.

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 2024-09-10 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-09-10 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: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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