vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Subject : Removal of Unauthorized Inquiry Pursuant to 18 USC 1028A Dear Equifax , I am writing to formally dispute and request the removal of unauthorized inquiries from my credit report as listed by Equifax Information Services LLC . This inquiry appears to be in violation of 18 USC 1028A, which pertains to identity theft and related offenses. 

Name : XXXX XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX, XXXX XXXX, NV XXXX Phone : XXXX Email : XXXX Inquiry Information : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX OR XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX : Upon reviewing my credit report, I discovered inquiries listed from the above-mentioned companies on the specified date. However, I did not authorize these inquiries, nor do I have any affiliation with the company in question. These unauthorized inquiries raise serious concerns regarding potential identity theft, which is a violation of federal law under 18 USC 1028A. 
As a consumer protected by federal law, I request that Equifax Information Services LLC conduct a thorough investigation into this matter and promptly remove the unauthorized inquiries from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take all necessary steps to ensure the protection of my personal information and credit profile. 

Enclosed with this letter are copies of documents supporting my claim, including but not limited to proof of identity and any additional evidence relevant to this matter. 

Please provide me with written confirmation once the investigation is complete and the unauthorized inquiries have been removed from my credit report. 

Thank you for your prompt attention to this matter. Should you require any further information, please do not hesitate to contact me at the above-listed address, email, or phone number. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: MI

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX account opened on XX/XX/XXXX under the account number ( XXXX ), State of MI of XXXX account opened on XX/XX/XXXX under account number ( XXXX ), State of MI of XXXX account opened on XX/XX/XXXX under account number ( XXXX ), and another State of MI of XXXX account opened on XX/XX/XXXX and the account number is ( XXXX ) .I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collections activity related to this item cease pursuant to my rights within the FCRA and FDCPA laws. 

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX 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 XXXX XXXX XXXX account opened on XX/XX/XXXX under the account number ( XXXX ), State of MI of XXXX account opened on XX/XX/XXXX under account number ( XXXX ), State of MI of XXXX account opened on XX/XX/XXXX under account number ( XXXX ), and another State of MI of XXXX account opened on XX/XX/XXXX and the account number is ( XXXX ) .The accounts have resulted in a fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned account the collection, as reported. The aforementioned account, collection, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal trade Commission that all of the aforementioned consumer credit account collections are the result of identity theft and fraud. 

What would be a fair resolution to this issue? ( Demand for relief ) : I request, pursuant to FCRA 6 6058 ( 15 U.S.C. 6 1681c-2 ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-02 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: GA

Complaint narrative:
I am writing to dispute a late payment on my credit profile for XXXX. I was never late on this account and I asked XXXX directly to update this on my credit profile in which they refused. 15 U.S. Code 1681a - Definitions ; rules of construction states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Furthermore, I did not give written consent for them to furnish this on my credit profile which is another violation. Permissible Purposes- They are not to furnish a consumer report without my written instructions. ( 15 U.S. Code 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ) It is also a violation of my privacy. According to the FCRA : Privacy - As a consumer i have the right to privacy, my financial information is private and confidential and should only be shared between me and the financial institution that gave me the credit. 
I ask that you please update this account to paid as agreed.

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 2024-08-02 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:
I am writing to dispute a late payment on my credit profile for XXXX. I was never late on this account and I asked XXXX directly to update this on my credit profile in which they refused. 15 U.S. Code 1681a - Definitions ; rules of construction states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Furthermore, I did not give written consent for them to furnish this on my credit profile which is another violation. Permissible Purposes- They are not to furnish a consumer report without my written instructions. ( 15 U.S. Code 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ) It is also a violation of my privacy. According to the FCRA : Privacy - As a consumer i have the right to privacy, my financial information is private and confidential and should only be shared between me and the financial institution that gave me the credit. 
I ask that you please update this account to paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: WI

Complaint narrative:
I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: WI

Complaint narrative:
I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

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 non-monetary relief
Consumer complaint received 2024-08-02 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: FL

Complaint narrative:
I have noticed fraudulent information on my credit report in regards to employers : A ) Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never worked for this companies. Please remove this info from my report. 

Also please update my phone number and email. My current phone number is ( XXXX ) XXXX. My email is XXXX All other information is incorrect and fraudulent.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have noticed fraudulent information on my credit report in regards to employers : A ) Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never worked for this companies. Please remove this info from my report. 

Also please update my phone number and email. My current phone number is ( XXXX ) XXXX. My email is XXXX All other information is incorrect and fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: NY

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX 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
Consumer complaint received 2024-08-02 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: IL

Complaint narrative:
I have requested that Transunion remove these inaccurate items off my credit report several times. I have sent four letter asking for a reinvestigation, and all I keep receiving is generated responses. I asked Transunion to provide written proof that these companies are being reported correctly with dates, times, amounts, missed payments, and to whom they spoke with during their reinvestigation. Also XXXX XXXX  is not the original creditor XXXX XXXX XXXX XXXX XXXX.is. This creditor is going up on the balance every month to purposely bring down my credit score and that is illegal. Transunion is breaking the law These are the laws that they're breaking. 
Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 
15 U.S.C. 1681e - Compliance Procedures : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S.C. 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies : Requires companies that furnish information to credit reporting agencies to report accurate information and correct any inaccuracies. 
2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. 
15 U.S.C. 1692e - False or Misleading Representations : Prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt, including misreporting credit information. 
3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. 
15 U.S.C. 1640 - Civil Liability : Provides for civil liability for creditors who fail to comply with the requirements of the act, including those related to the reporting of accurate information. Reporting Inaccurate Information : Violating the requirement for CRAs to follow reasonable procedures to assure maximum possible accuracy of the information in the report. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Failure to Correct Errors : Failing to investigate and correct errors within 30 days of a dispute. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-08-02 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: GA

Complaint narrative:
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe them. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay them. Also I would like to state the multiple inaccuracies being reported in the same account which I have circled on the attached document, dates opened are inaccurate, last date reported is inaccurate, payment status is inaccurate, how can it be reported as a collection, charge off and 120 days late as well as different dates for last date active? These inaccuracies are hurting my credit profile and should be deleted. 

I have to date received no proof that I owe XXXX any debt and I am requesting that they forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If they are unable to provide me with the proper proof then they must stop attempting to collect this alleged debt and remove it immediately from my consumer report. 

If they continue to claim I owe an alleged debt that they can not confirm with proof ( original alleged contract bearing my signature ) then they will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

They have committed the following FDCPA Violations : 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of their claims in this matter, and will entitle me to presume they placed this on my consumer report ( s ) in error and that this matter is permanently deleted. Provide the proof, or delete this alleged debt from all sources to which they have reported it. Please forward your documentation to me upon receipt of this letter. Please note that proper documentation is NOT a print out or bill, but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ).

Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

If I don't get proper documentation I will be filing my complaint at : www.ftccomplaintassistant.gov/ And XXXX XXXX XXXX  Also the response shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

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 non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have noticed fraudulent information on my credit report in regards to employers : A ) Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never worked for this companies. Please remove this info from my report. 

Also please update my phone number and email. My current phone number is ( XXXX ) XXXX. My email is XXXX All other information is incorrect and fraudulent.

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 2024-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: NC

Complaint narrative:
It was suppose to be a company that help your credit you pay XXXX dollars and in so many months you can be eligible for a self credit card. I seen no increase in my credit so I withdraw my decision to continue with them. I never took a loan out with them. I never had no legal contract owing them any money. So how can they report to your credit as if you got a loan with them and then report to your credit report that negative and that you have late payments. When you never took a loan out with the company. I have disputed it. And it keep coming back saying updated. I dont understand. XXXX just trying to get it removed from my Credit because it shouldnt be there cause, I dont owe this company any money instead of helping my credit they damage my credit. The negative information have to be on my credit for XXXX years when I never took a loan out with them, and XXXX sure this happened to other people. I need to have this removed from my credit.I reached out to them by phone no answer, I also emailed them no response back. Please help!

Company response to consumer: Closed with explanation