vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX, XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX, XXXX # XXXX Account Name : XXXX XXXX, XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: TX

Complaint narrative:
I am a survivor of XXXX  XXXX, and I am disputing adverse credit information that was incurred as a result of my XXXX  situation. Under the Debt Bondage Repair Act ( Public Law XXXX, Division XXXX ), I have the right to have this information removed from my credit report. I have submitted a formal dispute to the credit bureaus ( [ list bureaus, e.g., Experian, XXXX, XXXX ] ) but have not received an appropriate resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were created or used without my consent under duress while I was under the control of traffickers. I am requesting the CFPBs assistance to ensure these items are removed promptly. I have attached supporting documentation, including proof of my initial dispute letter sent to the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I filed my application on XX/XX/XXXX for the XXXX XXXX consolidation ( original was a XXXX XXXX that was XXXX first back in XXXX ). 

Despite numerous phone calls and online chats over the past XXXX months I still have not received my XXXX payment count adjustment. In fact, XXXX ( new loan servicer after XXXX ), sent me the attached letter to show that they apparently had XXXX payments left towards XXXX forgiveness. This made sense as I have been in repayment now for XXXX years on graduate loans. 

Instead Aidvantage informed me that I only had XXXX payments in total! In other words my payments were all reset to zero! I consolidated with the promise of a repayment count adjustment and instead get reduced to XXXX payments after I had XXXX XXXX qualified payments? Is that how things are done with the Department of Education?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: MS

Complaint narrative:
I have found mistakes on my credit report that fall under 15 USC 1681c-2. These hard inquiries were made without my authorization and are affecting my credit score. Please remove them promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: AL

Complaint narrative:
The items in question on my credit report are currently involved in pending litigation due to significant reporting errors. As a result of this ongoing legal process, you will be unable to verify the accuracy of these disputed entries. Under 15 U.S. Code 1681i ( a ), unverified items must be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The items in question on my credit report are currently involved in pending litigation due to significant reporting errors. As a result of this ongoing legal process, you will be unable to verify the accuracy of these disputed entries. Under 15 U.S. Code 1681i ( a ), unverified items must be removed from 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 2024-11-28 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 hereby assert that XXXX, XXXX, TransUnion and the creditors associated with the accounts listed in the attached letter have engaged in actions that have resulted in the misuse of my personal identity. Under my rights as outlined in the Fair Credit Reporting Act ( FCRA ) specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 611 ( 15 U.S.C. 1681i ) I formally demand an immediate and thorough investigation into these matters. 
Furthermore, I request the removal and permanent blocking of all fraudulent and inaccurate information from my credit files. These actions are necessary to restore the integrity of my credit profile and to ensure compliance with the FCRAs protections for individuals affected by identity theft or inaccurate reporting. 
I believe I am a victim of identity theft and am seeking to file a police report, as requested by the XXXX major credit bureaus ( XXXX, XXXX, and TransUnion ). My personal information has been compromised in multiple data breaches, which I believe has resulted in unauthorized activity on my credit report. The negative accounts in question, which I have listed below, appear to be fraudulent and do not correspond to any contractual agreement or transactions I have authorized. These actions constitute violations of my rights under federal and state law, including : The specific negative items that I am disputing include : XXXX XXXX  XXXX  ACCOUNT # XXXX BALANCE {$11000.00} XXXX  XXXX ACCOUNT # XXXX BALANCE {$510.00} XXXX  XXXX INQUIRY-DATE OF INQUIRY XXXX/XXXX/2203 XXXX XXXX XXXX BALANCE XXXX XXXX XXXX, XXXX XXXX BALANCE {$30.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE XXXX XXXX XXXX BALANCE XXXX XXXX  XXXX BLANCE {$1600.00} XXXX XXXX BALANCE {$1100.00} XXXX  XXXX BALANCE {$4500.00} XXXX  XXXX BALANCE {$7900.00} XXXX  XXXX BALANCE {$5200.00} XXXX  XXXX BALANCE {$9800.00} XXXX  XXXX BALANCE {$5600.00} XXXX  XXXX BALANCE {$2700.00} XXXX XXXX BALANCE {$480.00} XXXX XXXX BALANCE {$4000.00} XXXX  XXXX BALANCE {$9900.00} XXXX  XXXX BALANCE {$5000.00} XXXX  XXXX BALANCE {$7500.00} XXXX  XXXX BALANCE {$4200.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

18 U.S.C. 894 ( Extortionate Credit Transactions ) Uniform Commercial Code ( UCC ) 3-401, which establishes that a signature is required to validate liability on any instrument. 
I respectfully request that this report be filed and documented so I can pursue corrective action with the credit bureaus and other relevant authorities to restore my credit and protect my identity. Please let me know if additional information is needed to complete this process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hereby assert that XXXX, Equifax, XXXX and the creditors associated with the accounts listed in the attached letter have engaged in actions that have resulted in the misuse of my personal identity. Under my rights as outlined in the Fair Credit Reporting Act ( FCRA ) specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 611 ( 15 U.S.C. 1681i ) I formally demand an immediate and thorough investigation into these matters. 
Furthermore, I request the removal and permanent blocking of all fraudulent and inaccurate information from my credit files. These actions are necessary to restore the integrity of my credit profile and to ensure compliance with the FCRAs protections for individuals affected by identity theft or inaccurate reporting. 
I believe I am a victim of identity theft and am seeking to file a police report, as requested by the XXXX major credit bureaus ( XXXX, Equifax, and XXXX ). My personal information has been compromised in multiple data breaches, which I believe has resulted in unauthorized activity on my credit report. The negative accounts in question, which I have listed below, appear to be fraudulent and do not correspond to any contractual agreement or transactions I have authorized. These actions constitute violations of my rights under federal and state law, including : The specific negative items that I am disputing include : XXXX XXXX XXXX ACCOUNT # XXXX BALANCE {$11000.00} XXXX  XXXX ACCOUNT # XXXX BALANCE {$510.00} XXXX  XXXX INQUIRY-DATE OF INQUIRY XXXX/XXXX/XXXX XXXX XXXX XXXX BALANCE XXXX XXXX XXXX, XXXX XXXX BALANCE {$30.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE XXXX XXXX XXXX BALANCE XXXX XXXX XXXX BLANCE {$1600.00} XXXX XXXX BALANCE {$1100.00} XXXX XXXX BALANCE {$4500.00} XXXX XXXX BALANCE {$7900.00} XXXX  XXXX BALANCE {$5200.00} XXXX  XXXX BALANCE {$9800.00} XXXX  XXXX BALANCE {$5600.00} XXXX  XXXX BALANCE {$2700.00} XXXX  XXXX BALANCE {$480.00} XXXX  XXXX BALANCE {$4000.00} XXXX  XXXX BALANCE {$9900.00} XXXX  XXXX BALANCE {$5000.00} XXXX  XXXX BALANCE {$7500.00} XXXX  XXXX BALANCE {$4200.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

18 U.S.C. 894 ( Extortionate Credit Transactions ) Uniform Commercial Code ( UCC ) 3-401, which establishes that a signature is required to validate liability on any instrument. 
I respectfully request that this report be filed and documented so I can pursue corrective action with the credit bureaus and other relevant authorities to restore my credit and protect my identity. Please let me know if additional information is needed to complete this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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:
I hereby assert that Experian, XXXX, XXXX and the creditors associated with the accounts listed in the attached letter have engaged in actions that have resulted in the misuse of my personal identity. Under my rights as outlined in the Fair Credit Reporting Act ( FCRA ) specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 611 ( 15 U.S.C. 1681i ) I formally demand an immediate and thorough investigation into these matters. 
Furthermore, I request the removal and permanent blocking of all fraudulent and inaccurate information from my credit files. These actions are necessary to restore the integrity of my credit profile and to ensure compliance with the FCRAs protections for individuals affected by identity theft or inaccurate reporting. 
I believe I am a victim of identity theft and am seeking to file a police report, as requested by the XXXX major credit bureaus ( Experian, XXXX, and XXXX ). My personal information has been compromised in multiple data breaches, which I believe has resulted in unauthorized activity on my credit report. The negative accounts in question, which I have listed below, appear to be fraudulent and do not correspond to any contractual agreement or transactions I have authorized. These actions constitute violations of my rights under federal and state law, including : The specific negative items that I am disputing include : XXXX XXXX XXXX  ACCOUNT # XXXX BALANCE {$11000.00} XXXX  XXXX ACCOUNT # XXXX BALANCE {$510.00} XXXX  XXXX INQUIRY-DATE OF INQUIRY XXXX/XXXX/XXXX  XXXX XXXX XXXX BALANCE XXXX XXXX XXXX, XXXX XXXX BALANCE {$30.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE XXXX XXXX XXXX BALANCE XXXX XXXX  XXXX BLANCE {$1600.00} XXXX XXXX BALANCE {$1100.00} XXXX  XXXX BALANCE {$4500.00} XXXX  XXXX BALANCE {$7900.00} XXXX  XXXX BALANCE {$5200.00} XXXX  XXXX BALANCE {$9800.00} XXXX  XXXX BALANCE {$5600.00} XXXX  XXXX BALANCE {$2700.00} XXXX  XXXX BALANCE {$480.00} XXXX  XXXX BALANCE {$4000.00} XXXX  XXXX BALANCE {$9900.00} XXXX  XXXX BALANCE {$5000.00} XXXX  XXXX BALANCE {$7500.00} XXXX  XXXX BALANCE {$4200.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

18 U.S.C. 894 ( Extortionate Credit Transactions ) Uniform Commercial Code ( UCC ) 3-401, which establishes that a signature is required to validate liability on any instrument.

I respectfully request that this report be filed and documented so I can pursue corrective action with the credit bureaus and other relevant authorities to restore my credit and protect my identity. Please let me know if additional information is needed to complete this process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX Account Name : XXXX  XXXX Account Name : XXXX  XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX-XXXX  XXXX  XX/XX/XXXX XXXX/XXXX-XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX-XXXX  XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
[ XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXXXXXX ] [ XXXX, TX XXXX ] Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Intent to Sue for Violation of the Fair Credit Reporting Act ( FCRA ) Unauthorized Reinsertion of Removed Account Dear Experian, I am writing to formally notify you of my intent to take legal action against Experian for the unlawful reinsertion of an account that was previously removed from my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
In [ XX/XX/year> ], I successfully disputed [ XXXX  XXXX XXXX ] with your company, and it was removed from my credit report as a result of that dispute. However, despite this, the account was reinserted into my credit report on or around [ XX/XX/year> ], without following the mandatory procedures set forth in the FCRA.

Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), when an account is reinserted after removal, Experian is required to : Notify me in writing within five business days of the reinsertion, including the name of the furnisher of information and any relevant contact details.

Certify that the furnisher of information verified the account 's accuracy before reinserting it.

As of todays date, I have not received any notification or written certification from Experian regarding the reinsertion of this account. This lack of communication constitutes a serious violation of the FCRA.

Given these violations, I am entitled to seek the following remedies under 15 U.S.C. 1681n and 1681o : Actual damages, including any harm caused to my credit rating, the emotional distress of dealing with this error, and any financial losses.

Statutory damages of up to {$1000.00} per violation.

Punitive damages as determined by the court.

Attorneys fees and costs incurred in the enforcement of my rights.

I demand that Experian immediately : Remove the reinserted account from my credit report.

Provide a full explanation and verification of the account 's reappearance.

Confirm in writing within XXXX  days that this account has been permanently deleted from my report.

If Experian fails to take the above corrective actions and provide the necessary information within XXXX  days from the receipt of this letter, I will have no alternative but to file a lawsuit against Experian in federal court to enforce my rights under the FCRA.

Please consider this letter as my formal warning and a pre-litigation opportunity to resolve this matter. I am prepared to pursue all legal remedies available to me under the FCRA if this issue is not promptly corrected. 
Sincerely, 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 2024-11-28 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: MS

Complaint narrative:
I discovered errors in my credit report regarding 15 USC 1681c-2. The hard inquiries included were not authorized by me. Kindly remove these unauthorized inquiries 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 explanation
Consumer complaint received 2024-11-28 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: KS

Complaint narrative:
My credit report has errors associated with 15 USC 1681c-2. My credit report has errors associated with 15 USC 1681c-2. These unauthorized inquiries are harming my credit score, and I request they be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
They told me I need pay my car payment when I been told them I was sick not able to work and on top of that I had collection agents trying get loan money when I was sick not able to work they damage my credit on on all three credit bureaus I been trying get it fixed and deleted I been stressed really stressed I be wanting to hurt my self cause of it need it cleared

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My recent credit report includes unauthorized and inaccurate accounts. Please ensure these fraudulent entries are promptly removed.

Company response to consumer: Closed with explanation