vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-12-19 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: NC

Complaint narrative:
Hello, There are three collections accounts on my report that are reporting continuously incorrect information for years now. 

I have disputed each one with the credit bureaus and the companies and they still remain on my report. 

This has affected my quality of life and living. I can barely get approved for housing and car dealerships want an arm and a leg down payment. 

Please help, I don't know what to do. I think I am a victim of fraud and this is ruining my life. Also, the credit bureaus XXXX and XXXX have reported an incorrect credit score to Lenders twice now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: NC

Complaint narrative:
Hello, There are three collections accounts on my report that are reporting continuously incorrect information for years now. 

I have disputed each one with the credit bureaus and the companies and they still remain on my report. 

This has affected my quality of life and living. I can barely get approved for housing and car dealerships want an arm and a leg down payment. 

Please help, I don't know what to do. I think I am a victim of fraud and this is ruining my life. Also, the credit bureaus XXXX and Experian have reported an incorrect credit score to Lenders twice now.

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 2023-12-19 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: FL

Complaint narrative:
I XXXX XXXX currently have a Fruad account and inquiries on my credit report. 

Account XXXX. XXXX {$2400.00} Inquiries 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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The negative items displayed in your files does not meet FCRA reporting requirements. I donot recognize how and why the negative items is reporting please delete immediately. I never received a written notice of debt validation letter from anyone. I donot recognize how any of these negative accounts are reporting on my credit report. I donot recognize the account numbers I donot recognize the account status I donot recognize the accounts high balances nor do I recognize the late payments anything negative reported does not meet the FCRA requirements. The dates, amounts and accounts differ on all three credit reporting agencies. And all three agencies report inaccurate personal information my name is XXXX XXXX I only have 1 name not 4. I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, any other address on my credit report is inaccurate. I would like for you to delete the negative items immediately as well as the inaccurate names and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The negative items displayed in your files does not meet FCRA reporting requirements. I donot recognize how and why the negative items is reporting please delete immediately. I never received a written notice of debt validation letter from anyone. I donot recognize how any of these negative accounts are reporting on my credit report. I donot recognize the account numbers I donot recognize the account status I donot recognize the accounts high balances nor do I recognize the late payments anything negative reported does not meet the FCRA requirements. The dates, amounts and accounts differ on all three credit reporting agencies. And all three agencies report inaccurate personal information my name is XXXX XXXX I only have 1 name not 4. I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other address on my credit report is inaccurate. I would like for you to delete the negative items immediately as well as the inaccurate names and addresses.

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 2023-12-19 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 2023-12-19 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: The Savings Group, Inc.
State: TN

Complaint narrative:
I was applying for a refinance loan from Rategenius. I was told by the company that they would only pull my credit report once and there would only be one hit. I have two credit inquiries from two places that I did not approve of. One is XXXX XXXX XXXX XXXX and the other is XXXX XXXX XXXX XXXX. I did not approve these.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It is inconceivable that, in the face of irrefutable proof of fraudulent activity, your bureau continues to deny the removal of these accounts. I find it absolutely unacceptable that I should suffer the consequences of identity theft or erroneous reporting when I have diligently followed the proper procedures to rectify this situation. I was the victim & Im not sure why the FCRA is not complying with the law. This is not how victims should be treated. I am asking for justice and yet, it seems you do not give any attention and ignored our complaint. 
XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXXPLEASE DELETE!!!! 
I demand an immediate and thorough investigation into why these fraudulent accounts persist on my credit report, as well as an explanation for the repeated denials to remove them. It is your duty as a credit reporting agency to ensure the accuracy of the information you provide, and the presence of these fraudulent accounts contradicts the principles of fairness and accountability. 
I insist that you take prompt and decisive action to rectify this gross oversight. The burden of proof rests squarely on your shoulders, and I expect your agency to act in accordance with the Fair Credit Reporting Act ( FCRA ) to promptly correct this damaging error. The continued presence of these fraudulent accounts is not only damaging my credit score but also causing undue stress and hardship.

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 2023-12-19 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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2023-12-19 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: Entrata Inc.
State: PA

Complaint narrative:
I noticed unauthorized inquires on my credit report that I would like removed. XXXX inquires from Resident Verify and XXXX inquiry from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: FL

Complaint narrative:
IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These above companies have violated my privacy rights. as well as reported inaccuracies ' on my report. according to these laws.

15 U S C 1681 section 604 A states a consumer reporting agency can not furnish a account without my written instructions.

15 U. S. C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A. a person shall not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This inaccurate information is preventing me from obtaining a home for me and my family.

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 2023-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Mr. Cooper bought my loan in XXXX of 2023 and this is a 2nd time that we are receiving email that we are receiving email that some personal info were leaked. See the latest email : On XX/XX/2023, our information security team identified an external threat to our network and locked down our systems while we resolved the issue. Over the following weeks, our investigation revealed that certain customer personal information had been compromised. We have been working closely with cyber security experts to determine the full extent of the impact. 
We can not pay our mortgage or be able to use website if need any info regarding our mortgage. I also do not feel safe with this mortgage company and the way they are handling business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Sezzle Inc.
State: GA

Complaint narrative:
I have no knowledge of this accounts on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX To whom it may concern, This dispute I'm writing for the following information on my credit report and need this information removed from my file. The items deletion are listed below. I am a victim of identity theft and DID NOT open these account on my credit report. I ask the items be deleted to corrected my credit report. I reported the theft of my identity to the Federal Trade Commission and have copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete these items soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Accounts : XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y

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 2023-12-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX To whom it may concern, This dispute I'm writing for the following information on my credit report and need this information removed from my file. The items deletion are listed below. I am a victim of identity theft and DID NOT open these account on my credit report. I ask the items be deleted to corrected my credit report. I reported the theft of my identity to the Federal Trade Commission and have copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete these items soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Accounts : XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I apply for a loan to get a XXXX online but the seller call me and tell me the I don't qualify for this car and XXXX XXXX XXXX XXXX sell me a Kia he bring the car to delevery in my house I signed the document ovethere but the person never give me a copy or the contract when I go back to the dealer to ask for the contract the seller give me a document different the one the I signed AND I SEE THE dealer open me a JOINT account with my grandfather that fraud and I have the car registration. He is no my cosigner. Is a joint account and I live in Florida.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the immediate cessation and deletion of any and all negatively impacting, inaccurate, and unverifiable accounts that are being reported by your agency. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that the information furnished by your agency is fair, accurate, and substantiated.

Upon a thorough review of my credit report, I have identified several accounts that are both inaccurate and unverifiable. The inclusion of these accounts is unjust and could potentially damage my creditworthiness. As per my rights outlined in the FCRA, I am formally requesting that these accounts be fully deleted and suppressed from my credit report. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Moreover, I invoke the doctrine of estoppel, which prohibits an entity from asserting something contrary to what is implied by a previous action or statement. The inaccurate and unverifiable nature of these accounts contradicts the very essence of fair and accurate reporting, therefore warranting their immediate removal.

I demand that you conduct a thorough investigation into these matters and provide me with a written response within the timeline stipulated by the FCRA. This should include confirmation of the deletion and suppression of the aforementioned accounts from all credit reports in which they have been disseminated.

Failure to comply with this request within the stipulated timeframe will leave me no choice but to pursue legal action to rectify these inaccuracies. I am confident, however, that your agency will act in accordance with the law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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