vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I'm reaching out because Experian is helping XXXX XXXX put incorrect information on my credit report related to the account below : Account Name : XXXX XXXX Account # XXXX Charge-off : XX/XX/XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate!

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2, Account Name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency.

Please delete this incorrect information from my report immediately. Thank you,

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 2025-01-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-04 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 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 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 explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX On XX/XX/XXXX Credit Card Opened by the Thief {$900.00} Company or Organization : Capitol 1 On XX/XX/XXXX {$300.00} Fraudulent Auto Loan Company or Organization : XXXX XXXX XXXX XXXX On XX/XX/XXXXXXXX  {$43000.00} Fraudulent personal Loan Company or Organization : XXXX XXXX XXXX XXXX On XX/XX/XXXXXXXX XXXX$1300.00} Fraudulent credit card Company or Organization : XXXX XXXX XXXX XXXX On XX/XX/XXXX {$700.00} Company or Organization : XXXXXXXX XXXX On XX/XX/XXXX {$8300.00} Company or Organization : XXXX XXXX On XX/XX/XXXXXXXX  {$14000.00} Company or Organization : XXXX XXXX XXXX XXXX XXXX A FTC Identity Theft reprt was filed for all accounts. A affidavit will be attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX On XX/XX/XXXX Credit Card Opened by the Thief {$900.00} Company or Organization : XXXX XXXX On XX/XX/XXXX {$300.00} Fraudulent Auto Loan Company or Organization : XXXX XXXX XXXX XXXX On XX/XX/XXXX {$43000.00} Fraudulent personal Loan Company or Organization : XXXX XXXX XXXX XXXX On XX/XX/XXXX {$1300.00} Fraudulent credit card Company or Organization : XXXX XXXX XXXX XXXX On XX/XX/XXXXXXXX  {$700.00} Company or Organization : One main On XX/XX/XXXX {$8300.00} Company or Organization : XXXX XXXX On XX/XX/XXXX {$14000.00} Company or Organization : XXXX XXXXE XXXX XXXXXX/XX/XXXX {$580.00} A FTC Identity Theft reprt was filed for all accounts. A affidavit will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.

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 2025-01-05 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: OH

Complaint narrative:
In XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, my personal information was compromised due to a data breach with XXXX, XXXX and XXXX other companies being hacked. This breach exposed my private financial data, resulting in unauthorized accounts being reported on my credit report. The accounts in question were not authorized by me and do not reflect accurate or legitimate activity. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to privacy and accurate credit reporting. The unauthorized use of my personal data following this data breach directly violates these rights. Furthermore, per 15 U.S.C. 1681c-2, credit reporting agencies are required to delete inaccurate or fraudulent information within 4 business days upon receiving sufficient evidence, such as an FTC Identity Theft Report or equivalent documentation. 

I have made attempts to resolve this matter directly with the companies involved, requesting validation of the accounts and proof of authorization, but they have failed to provide adequate responses or documentation. 

The continued presence of these accounts on my credit report has caused harm to my financial standing and violates my rights under the FCRA. I am requesting the CFPB to enforce compliance with the law and ensure that these unauthorized accounts are removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: OH

Complaint narrative:
In XX/XX/XXXXXXXX XXXX XXXX XXXX my personal information was compromised due to a data breach with Equifax, XXXX and 2 other companies being hacked. This breach exposed my private financial data, resulting in unauthorized accounts being reported on my credit report. The accounts in question were not authorized by me and do not reflect accurate or legitimate activity.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to privacy and accurate credit reporting. The unauthorized use of my personal data following this data breach directly violates these rights. Furthermore, per 15 U.S.C. 1681c-2, credit reporting agencies are required to delete inaccurate or fraudulent information within 4 business days upon receiving sufficient evidence, such as an FTC Identity Theft Report or equivalent documentation. 

I have made attempts to resolve this matter directly with the companies involved, requesting validation of the accounts and proof of authorization, but they have failed to provide adequate responses or documentation. 

The continued presence of these accounts on my credit report has caused harm to my financial standing and violates my rights under the FCRA. I am requesting the CFPB to enforce compliance with the law and ensure that these unauthorized accounts are removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX On XX/XX/XXXX Credit Card Opened by the Thief {$900.00} Company or Organization : XXXX XXXX On XX/XX/XXXXXXXX  {$300.00} Fraudulent Auto Loan Company or Organization : XXXX XXXX XXXX XXXX On XX/XX/XXXXXXXX  {$43000.00} Fraudulent personal Loan Company or Organization : XXXX XXXX XXXX XXXX On XX/XX/XXXXXXXX  {$1300.00} Fraudulent credit card Company or Organization : XXXX XXXX XXXX XXXX On XX/XX/XXXXXXXX  {$700.00} Company or Organization : XXXX XXXX  On XX/XX/XXXX {$8300.00} Company or Organization : XXXX XXXX On XX/XX/XXXX {$14000.00} Company or Organization : WORLD ACCEPTANCE On XXXX  {$580.00} A FTC Identity Theft reprt was filed for all accounts. A affidavit will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: GA

Complaint narrative:
I am writing to formally dispute and request the removal of unauthorized accounts that appear on my credit report. These accounts are the result of identity theft stemming from a recent data breach, and I have not authorized, opened, or conducted any transactions associated with them. Below are the specific accounts that need to be removed : XXXX XXXX XXXX- please remove and delete this account XXXX XXXX XXXX XXXX XXXXXXXX- please remove and delete this account XXXX XXXX XXXX- please remove and delete this account XXXX XXXX XXXX XXXX- please remove and delete this account XXXX XXXX XXXX XXXX- please remove and delete this account XXXX XXXX XXXXXXXX XXXX XXXX- please remove and delete this account Following the data breach, my personal information was compromised, leading to the unauthorized opening and use of these accounts. I became aware of these accounts when I reviewed my credit report and noticed unfamiliar accounts and activities.

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 2025-01-05 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: GA

Complaint narrative:
I am writing to formally dispute and request the removal of unauthorized accounts that appear on my credit report. These accounts are the result of identity theft stemming from a recent data breach, and I have not authorized, opened, or conducted any transactions associated with them. Below are the specific accounts that need to be removed : XXXX XXXX XXXX- please remove and delete this account XXXX XXXX XXXX XXXX XXXXXXXX- please remove and delete this account XXXX XXXX XXXX- please remove and delete this account XXXX XXXX XXXX XXXX- please remove and delete this account XXXX XXXX XXXX XXXX- please remove and delete this account XXXX XXXX XXXX XXXX XXXX- please remove and delete this account Following the data breach, my personal information was compromised, leading to the unauthorized opening and use of these accounts. I became aware of these accounts when I reviewed my credit report and noticed unfamiliar accounts and activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My full identity was leaked through the data breach and exposed to the dark web. My personal information has been compromised and is a violation of the 15 USC 1681 which is my right to my privacy. 

My name, home address, employment info, all email addresses, phone number, date of birth and full SSN has been exposed and this is unacceptable and yet embarrassing. 

Please help me rectify this as i've also take precautions to make sure this doesn't happen again as i feel very uneasy that my personal life history has been exposed to hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: OH

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-04 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This company is reporting information on my consumer report that is not authorized by me, the consumer. It is against the federal laws to report said information against my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I'm reaching out because XXXX is helping XXXX XXXX put incorrect information on my credit report related to the account below : Account Name : XXXX XXXX Account # XXXX Charge-off : XX/XX/XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate! 
By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. 
According to 15 USC 1681 s-2, Account Name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away. 
**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 
Please delete this incorrect information from my report immediately. Thank you,

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I'm reaching out because XXXX is helping XXXX XXXX put incorrect information on my credit report related to the account below : Account Name : XXXX XXXX Account # XXXX Charge-off : XX/XX/XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate!

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2, Account Name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency.

Please delete this incorrect information from my report immediately. Thank you,

Company response to consumer: Closed with non-monetary relief