vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$4400.00} XXXX XXXX XXXX XXXX Balance : {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc.
State: OH

Complaint narrative:
I already returned my items on Afterpay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I submitted a credit repair request to a company, but they 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 considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order 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 explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I submitted a credit repair request to a company, but they 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 considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order 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 explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Nelnet, Inc.
State: AL

Complaint narrative:
So I am looking on my XXXX XXXX and XXXX credit report on XX/XX/XXXX and I see I have 2 student loans from Nelnet that were taken out under my name on XX/XX/XXXX one amount for XXXX $ and another amount for XXXX $ both on the same day. I have never in my life taken out any kind of student loans this is 100 % and I have no idea what to do from this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, 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:
My research on FCRA 605 indicates that credit bureaus are required by law to remove and eliminate any items that are discovered to have been opened as a result of identity theft. Again, it looks that my credit with you has been compromised. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following items must be taken away by XXXX XXXX : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX  XXXX Balance : {$11000.00}.

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 2023-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: KS

Complaint narrative:
I closed on my primary residential FHA home loan on XX/XX/XXXX, The initial loan amount was {$190000.00}. I wire-transferred {$20000.00}, for closing costs and down-payment, on XX/XX/XXXX. 

I made substantial improvements to my home in XXXX and the appraised value increased from {$170000.00} in XXXX to {$250000.00} on XX/XX/XXXX. 

I submitted a written request to Flagstar Bank on or about XX/XX/XXXX, to have my Private Mortgage Insurance canceled on my FHA mortgage loan and received a letter dated XX/XX/XXXX, stating : " Dear XXXX XXXX XXXX XXXX : Request to Cancel Mortgage Insurance Premium We have received your request to cancel the mortgage insurance premiums ( MPI ) on the above FHA loan. We can not honor your request to cancel MIP as you are required to have MIP for the life of the loan per FHA guidelines. 

If you have any questions, please call us at ( XXXX Monday-Friday XXXX XXXX XXXX. or Saturday XXXX XXXX XXXX XXXX. 

Sincerely, PMI Department ''

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, 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 learned that the FCRA 605 requires credit bureaus to ban and erase any items that are discovered to have been opened as a result of identity theft. Once more, it seems that my credit with you has been damaged. The items being reported are giving me a lot of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following are the things that CREDIT BUREAUS has to get rid of : XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023.

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$32000.00}, US DEPT ED XXXX Balance Owed : {$0.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$8800.00}, US DEPT ED XXXX XXXX Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed XXXX {$6000.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed : {$8300.00}, US DEPT ED XXXX Balance Owed : {$5500.00} , US DEPT ED XXXX Balance Owed : {$7800.00}, US DEPT ED XXXX Balance Owed : {$1500.00}

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : FLAGSHIP CRD XXXX Balance Owed : {$32000.00}, US DEPT ED XXXX Balance Owed : {$0.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$8800.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed XXXX {$6000.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed : {$8300.00}, US DEPT ED XXXX Balance Owed : {$5500.00} , US DEPT ED XXXX Balance Owed : {$7800.00}, US DEPT ED XXXX Balance Owed : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MDXXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Date XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX BalanceOwed : {$0.00}, XXXX XXXXXXXX Balance Owed : {$770.00}, XXXX XXXX BankruptcyDischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX  XXXXBankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, DPT EDXXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX : XXXX XXXX XXXXXXXX Balance Owed : {$410.00}, XXXX  XXXXBankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I learned that the FCRA 605 requires credit bureaus to ban and erase any items that are discovered to have been opened as a result of identity theft. Once more, it seems that my credit with you has been damaged. The items being reported are giving me a lot of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following are the things that CREDIT BUREAUS has to get rid of : XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX XX/XX/2023.

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, 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:
I learned that the FCRA 605 requires credit bureaus to ban and erase any items that are discovered to have been opened as a result of identity theft. Once more, it seems that my credit with you has been damaged. The items being reported are giving me a lot of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following are the things that CREDIT BUREAUS has to get rid of : XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was approved for a Synchrony Bank Care Credit Card in XX/XX/XXXX. I made on time payments every month, and never missed any payments. My credit limit was {$9500.00} and my balance was about {$3800.00}. Synchrony Bank said they conduct an account review on everyone 's account every 6 months to determine if the need to make changes to the account. 

They decided to decrease my limit from {$9500.00} to {$4000.00} which put me over 30 % utilization causing my credit score to drop. Then in XX/XX/XXXX my bank account was compromised, I contacted Synchrony Bank to inform them before the payment was returned, instead of them allowing to make another payment, they closed my account XX/XX/XXXX for 1 returned payment. 

They followed up with closing my XXXX XXXX, and decreased my limit with American Eagle from {$500.00} to {$400.00} dollars, once again putting me over 30 % utilization. 
I have never had anything like this happen to me with any other creditor, they have treated me very unfair.

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, 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:
This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent account on my credit file, and I demand its immediate and unequivocal removal from my credit report. As you are well aware, under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent account are clearly inaccurate, and its presence is causing significant harm to my creditworthiness. Let me be perfectly clear : I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these account are fraudulent. I have also requested that the creditors responsible for these fraudulent account investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent account still appear on my credit report, causing me extreme frustration and financial hardship. I need the following account removed from my Credit File as soon as possible : XXXX XXXX XXXXXXXX Date opened XX/XX/2017 Balance {$20000.00}. I expect a prompt response from you within 30 days of receipt of this letter, as required under the FCRA. Make no mistake, I will not hesitate to pursue all available legal options to protect my rights and interests.

Company response to consumer: Closed with explanation