vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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: SC

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 2024-12-12 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$12000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: MT

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX and XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX 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 2024-12-12 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: MD

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
Subject : Request for Investigation and Permanent Removal of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the inclusion of a XXXX XXXX account on my credit report, as I have never held such an account. According to the Fair Credit Reporting Act ( FCRA ), all information on a consumer 's credit report must be accurate, complete, and verifiable. However, the reporting of this account on my credit report is inaccurate for the following reasons : Charge-Off and Tax Write-Off Status : The XXXX account in question is listed as " charged off '' and " written off '' on my credit report. When a creditor charges off and writes off an account, they typically seek and obtain a tax deduction for the amount written off. According to the IRS, the creditor must issue a Form 1099-C to the debtor, treating the written-off amount as income to the debtor for tax purposes. 
If XXXX has written off this debt, it indicates that they have claimed the corresponding tax benefit. It is therefore contradictory and inaccurate for XXXX to continue reporting that I owe them money. A creditor can not simultaneously claim a tax write-off for a debt and report the same debt as owed by the consumer. 

Violation of FCRA Standards : The continued reporting of this account in this manner renders my credit report inaccurate, in violation of my rights under the FCRA. Specifically : Section 607 ( b ) of the FCRA mandates that consumer reporting agencies maintain maximum possible accuracy of the information in their records. 
Section 611 ( a ) provides me the right to dispute inaccurate information and requires the credit bureau to conduct a reasonable investigation and correct or delete information found to be inaccurate or unverifiable. 
I have attached a copy of my credit report, highlighting the inaccuracies related to the XXXX account. Additionally, XXXX has failed to provide me with a Form 1099-C, further evidencing the inconsistency and inaccuracy of their reporting. 

For these reasons, I respectfully request the following : Conduct an immediate investigation into this matter, as required under Section 611 of the FCRA. 
Permanently remove and delete all references to the XXXX account from my credit report. 
Provide me with a written confirmation of the actions taken regarding this dispute. 
Please complete your investigation and provide a response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX : Complaint Against XXXX Regarding Violation of the Fair Credit Reporting Act Dear CFPB, I am writing to formally lodge a complaint against XXXX for what I believe to be a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681B regarding permissible purposes of consumer reports. 

According to the law, consumer reporting agencies may only furnish a consumer report under specific circumstances, including the written instructions of the consumer. It is my contention that XXXX has not adhered to these stipulations in their reporting practices. 

Furthermore, the FCRA, as stated in 15 USC 1681 ( 2 ) ( a ) ( I ), outlines exclusions from a consumer credit report. It explicitly mentions that a consumer report does not include information solely related to transactions or experiences between the consumer and the reporting agency. My utilization of credit has been misrepresented in a manner that does not comply with these regulations. Utilization is an Experience To resolve this issue, I request that XXXX either remove the High utilization from my report and update it to 5 % or below, or remove the utilization data from my credit report altogether. This adjustment is necessary to ensure accurate reporting and compliance with the FCRA. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely,

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

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX. on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$10000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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

Complaint narrative:
I always pay my bills on time, so Im not sure why this company is listing me as late for some months. According to USC 1666b, any errors should be corrected, and my account should be updated to " paid as agreed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I reported to Aide advantage that I have a data breach. Yes, my loans are in Forbearance but, I submitted proof of bankruptcy. I submitted documents concerning this breach but to I avail.

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

Complaint narrative:
NARRATIVE After reviewing my credit report in 2024| noticed several unfamiliar accounts and a large loan I hadn't applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth h i t - s o m e o n e had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check t u r n e d into a n i g h t m a r e of nancial r e c o v e r y and stolen trust. Finally a c c o u n t s w e r e r e m o v e d e x c e p t this O n e in particular XXXX XXXX XXXX, in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the fraud XXXX XXXX XXXX Account Number : XXXX. Amount : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Equifax Regarding Violation of the Fair Credit Reporting Act Dear CFPB, I am writing to formally lodge a complaint against Equifax for what I believe to be a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681B regarding permissible purposes of consumer reports. 

According to the law, consumer reporting agencies may only furnish a consumer report under specific circumstances, including the written instructions of the consumer. It is my contention that Equifax has not adhered to these stipulations in their reporting practices. 

Furthermore, the FCRA, as stated in 15 USC 1681 ( 2 ) ( a ) ( I ), outlines exclusions from a consumer credit report. It explicitly mentions that a consumer report does not include information solely related to transactions or experiences between the consumer and the reporting agency. My utilization of credit has been misrepresented in a manner that does not comply with these regulations. Utilization is an Experience To resolve this issue, I request that Equifax either remove the High utilization from my report and update it to 5 % or below, or remove the utilization data from my credit report altogether. This adjustment is necessary to ensure accurate reporting and compliance with the FCRA. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Equifax Regarding Violation of the Fair Credit Reporting Act Dear CFPB, I am writing to formally lodge a complaint against Equifax for what I believe to be a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681B regarding permissible purposes of consumer reports.

According to the law, consumer reporting agencies may only furnish a consumer report under specific circumstances, including the written instructions of the consumer. It is my contention that Equifax has not adhered to these stipulations in their reporting practices. 

Furthermore, the FCRA, as stated in 15 USC 1681 ( 2 ) ( a ) ( I ), outlines exclusions from a consumer credit report. It explicitly mentions that a consumer report does not include information solely related to transactions or experiences between the consumer and the reporting agency. My utilization of credit has been misrepresented in a manner that does not comply with these regulations. Utilization is an Experience To resolve this issue, I request that Equifax either remove the High utilization from my report and update it to 5 % or below, or remove the utilization data from my credit report altogether. This adjustment is necessary to ensure accurate reporting and compliance with the FCRA. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely,

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

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: SC

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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:
Upon reviewing my consumer report, I noticed some fraudulant and inaccurate information on it. I disputed XXXX inquiries on my equifax consumer report from XXXX XXXX, I provided Equifax with my FTC identity theft report, and my personal statement. I reported the fraud to XXXX  XXXX. There were XXXX inquiries from XXXX  XXXX, however XXXX of them was for a XXXX store card, another XXXX for XXXX. The accounts were opened and closed days later. There is no proof that these were my inquiries. Equifax has not shown that I authorized these transactions. I would like these removed immediately or I will seek litigation under the FCRA. XXXX  XXXX has reported the fraud as well.

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

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

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