vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: NJ

Complaint narrative:
I urge you to promptly assist in removing the fraudulent information from my credit file. This data should have been removed already, as it is a result of fraud, yet it remains. Under FCRA Section 605, you are obligated to delete any incorrect records. I have already submitted the required supporting documentation, which I am providing once more. My attorney has been informed and is ready to take legal action if this issue is not resolved without further delay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-01-08 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: LA

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NV

Complaint narrative:
I HAVE BEEN VICTIM OF IDENTITY THEFT FOR OVER A DECADE NOW. I CHECKED MY CREDIT REPORT, AND I NOTICED THERE ARE NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND ADDRESSES ON MY CREDIT REPORT CREATED BY AN UNKNOWN PERSON USING MY IDENTITY, WITHOUT MY AUTHORIZATION OR KNOWLEDGE. MY XXXX WHICH HAD MY, ID, DRIVER LICENSE, AND SS CARD WERE LOST AT MY XXXX XXXX AT XXXX XXXX AND NEVER RECOVERED . THESE TRANSACTIONS ARE THE RESULT OF IDENTITY
THEFT, AND ARE UNRELATED TO ANY TRANSACTIONS MADE BY MYSELF. I AM NOT ERRONEOUSLY REQUESTING A BLOCK, NOR HAVE I ACQUIRED GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTIONS IDENTIFIED IN THIS IDENTITY THEFT REPORT.

FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

ADDRESSES RESULTING FROM IDENTITY THEFT
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have XXXX hard inquiries from taking in the month of XX/XX/year> ( XXXX, XXXX ) from a variety of auto lenders. These inquiries occurred in XXXX. I do not live in XXXX, nor have I ever lived in XXXX or attempted to buy a vehicle. Please help remove these.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NJ

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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 2025-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX and PayPal is stalking me with many calls and letters and resisting to claim their malpractice to collect the charges that Im a victim of fraud scammed group of peoples that cant even find their identity by now. I recalled that night when I was scammed, I told my bank to block them from stolen several charging like a XXXX $ $ amounts of money from same agent without my consent. The scammers said its XXXX XXXX but they kept changing their phone and name. I told PayPal to investigate and send them many claimed details but PayPal refused to listen any of my evidence and stories. This is very financial harassment. And abused. I will do anything in my best to fight against this unfair and unlawful act of debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
upon reviewing my consumer credit file i noticed there were numerous inaccuracies that i the consumer didn't recognize, nor applied for. the account in question is : XXXX XXXX XXXX XXXX and the account is ending in XXXX. This is inaccurate and should not be reflecting on my consumer account. please see identity theft report attached

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 2025-01-08 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SLM CORPORATION
State: CA

Complaint narrative:
I have had an online savings account with Sallie Mae [ XXXX ] for many years. XXXX or XXXX per XXXX I would transfer money from another bank to my XXXX account and transfer money from my XXXX account to a third bank. I made such transactions on XX/XX/XXXX and on XX/XX/XXXX. All indications on the XXXX website were that these transactions went through. However, I noticed on XX/XX/XXXX that none of the transfers from my XXXX account to thee XXXX bank had been made. I then looked at my XXXX account to find that XXXX took my deposits into my XXXX account but rejected the transfers to the third bank. I called XXXX to find out why and was told that XXXX was closing my account but they would not tell me why nor how to get my money out of the XXXX account. At the same time I was told that XXXX had sent me an email on XX/XX/XXXX indicating their intention to close my account. I did not receive any such email. I was given an email address to ask for reasons for the closure and how to get my money back from the account. I asked and about XXXXXXXX XXXX later received a reply that they can close accounts for any reason and at any time and failed to indicate how I can get my money back.. I received a second email XXXX XXXXXX/XX/XXXX providing a link to a " Notice '' about my account closure and suggesting that I log in to my account to view the " Notice ''. The link was dead and logging into my XXXX account revealed a message saying there are no accounts under that login and password. XXXX has stolen my money and I want it back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
Dear CFPB Team, I hope this letter finds you well. I am writing to formally request your assistance regarding unauthorized hard inquiries that appear on my credit report. 

Upon reviewing my credit report, I noticed several hard inquiries that I did not authorize and were not made by me. I have contacted the credit bureaus directly to dispute these inquiries and to request their removal, as I never provided permission for anyone to run my credit. Despite my efforts, these items remain on my account. 

The details of the unauthorized XXXX hard inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These unauthorized inquiries are negatively impacting my credit score and overall financial standing. I take my credit health seriously and am concerned about the potential long-term effects these inaccuracies may have on my ability to obtain credit in the future. 

I kindly request your assistance in facilitating the removal of these unauthorized hard inquiries from my credit report. I believe that my rights have been violated under the Fair Credit Reporting Act ( FCRA ), and I would appreciate any guidance or support you can provide in resolving this matter. 

Thank you for your attention to this important issue. I look forward to your prompt response and assistance in rectifying 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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Customer Service XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Collection Account # XXXX Dear Sir/Madam, I am writing to formally dispute the collection account referenced above ( Account # XXXX ) that appears on my credit report. I believe this account is inaccurate and request that you provide the necessary documentation to validate and verify the debt.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt, and I am exercising my right to request such verification. Please provide the following informatio

n : 1. A detailed statement showing the original amount of the debt, including the name of the original creditor. 2. A copy of the original agreement or contract establishing the debt. 3. Proof that you have the legal right to collect the debt on behalf of the original creditor, including any relevant account transfer or assignment documents. 4. An itemized record of the accounts payment history, showing the amount of the debt and any payments or credits applied to the account. Please also provide a current status of the debt and any relevant information about the date of the debt and the original creditor. In the absence of the requested documentation or if you are unable to validate the debt, I respectfully request that you immediately remove this account from my credit report and cease any further collection efforts. Kindly acknowledge receipt of this dispute and provide a written response within 30 days, as required under the Fair Credit Reporting Act ( FCRA ) and FDCPA. Thank you for your prompt attention to this matter. Should you require any additional information, feel free to contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
Dear CFPB Team, I hope this letter finds you well. I am writing to formally request your assistance regarding unauthorized hard inquiries that appear on my credit report. 

Upon reviewing my credit report, I noticed several hard inquiries that I did not authorize and were not made by me. I have contacted the credit bureaus directly to dispute these inquiries and to request their removal, as I never provided permission for anyone to run my credit. Despite my efforts, these items remain on my account. 

The details of the unauthorized XXXX hard inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These unauthorized inquiries are negatively impacting my credit score and overall financial standing. I take my credit health seriously and am concerned about the potential long-term effects these inaccuracies may have on my ability to obtain credit in the future. 

I kindly request your assistance in facilitating the removal of these unauthorized hard inquiries from my credit report. I believe that my rights have been violated under the Fair Credit Reporting Act ( FCRA ), and I would appreciate any guidance or support you can provide in resolving this matter. 

Thank you for your attention to this important issue. I look forward to your prompt response and assistance in rectifying my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
Dear CFPB Team, I hope this letter finds you well. I am writing to formally request your assistance regarding unauthorized hard inquiries that appear on my credit report. 

Upon reviewing my credit report, I noticed several hard inquiries that I did not authorize and were not made by me. I have contacted the credit bureaus directly to dispute these inquiries and to request their removal, as I never provided permission for anyone to run my credit. Despite my efforts, these items remain on my account. 

The details of the unauthorized XXXX hard inquiries are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These unauthorized inquiries are negatively impacting my credit score and overall financial standing. I take my credit health seriously and am concerned about the potential long-term effects these inaccuracies may have on my ability to obtain credit in the future. 

I kindly request your assistance in facilitating the removal of these unauthorized hard inquiries from my credit report. I believe that my rights have been violated under the Fair Credit Reporting Act ( FCRA ), and I would appreciate any guidance or support you can provide in resolving this matter. 

Thank you for your attention to this important issue. I look forward to your prompt response and assistance in rectifying 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 2025-01-08 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: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion regarding an unexplained XXXX decrease in my credit score. Despite no new charges or changes to my credit report, my score dropped significantly, affecting my ability to obtain credit.

I have contacted TransUnion requesting an explanation and documentation for this change, but I have not received a satisfactory response. This situation has caused undue stress and financial hardship.

I kindly request the CFPBs assistance in investigating this matter and ensuring that TransUnion provides a valid explanation or restores my credit score to its previous level.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
I have reported being a victim of identity theft, and you are required to remove any items that was opened without my knowledge, consent, or authorization within 4 business days. This must be done upon receipt of the following : ( 1 ) proper proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) my identification of the fraudulent information, and ( 4 ) my statement confirming that the information does not relate to any transaction I conducted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief