vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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:
Formal Dispute of Unauthorized XXXX  XXXX XXXX Account I am writing to formally dispute the existence of an account under my name with XXXX XXXX XXXX that I believe has been opened fraudulently and without my consent or knowledge. I only became aware of this account by reviewing my credit report on XXXX, which indicates an account listed by XXXX XXXX XXXX [ insert any account number or reference if available, or state 'with no specific account number provided ' ]. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or fraudulent information on my credit report and request that it be investigated, corrected, or removed as necessary. This unauthorized account is not only inaccurate but also damaging to my credit standing and is the result of identity theft. 

I hereby request the following actions be taken as per the FCRA guidelines : Verification of the Account : Please conduct a thorough investigation into this account to verify its authenticity, how it was opened, and any documentation that was used to establish this account in my name. I assert that I did not authorize the opening of this account and have no knowledge of it prior to my credit report review.

Immediate Freeze on the Disputed Account : Pending the investigation, I request an immediate freeze on the account in question to prevent any further fraudulent activity.

Correction of Credit Reports : Should the investigation confirm that the account was indeed opened fraudulently, I demand that this account be removed from my credit report with all three major credit bureaus ( XXXX, XXXX, and TransUnion ) to correct the information and restore my credit score. 

Written Documentation : I request written confirmation of the investigation 's findings and a confirmation letter once the account has been removed from my credit reports. 

I expect a response to this dispute within the legally mandated timeframe of 30 days as outlined by the FCRA. Should you require any further information or documentation from my side, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this serious matter. I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers against fraudulent financial activities and credit reporting inaccuracies. 

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 2024-04-10 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:
Formal Dispute of Unauthorized Mission XXXX XXXX Account I am writing to formally dispute the existence of an account under my name with XXXX XXXX XXXX that I believe has been opened fraudulently and without my consent or knowledge. I only became aware of this account by reviewing my credit report on XXXX, which indicates an account listed by XXXX XXXX XXXX [ insert any account number or reference if available, or state 'with no specific account number provided ' ]. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or fraudulent information on my credit report and request that it be investigated, corrected, or removed as necessary. This unauthorized account is not only inaccurate but also damaging to my credit standing and is the result of identity theft. 

I hereby request the following actions be taken as per the FCRA guidelines : Verification of the Account : Please conduct a thorough investigation into this account to verify its authenticity, how it was opened, and any documentation that was used to establish this account in my name. I assert that I did not authorize the opening of this account and have no knowledge of it prior to my credit report review.

Immediate Freeze on the Disputed Account : Pending the investigation, I request an immediate freeze on the account in question to prevent any further fraudulent activity. 

Correction of Credit Reports : Should the investigation confirm that the account was indeed opened fraudulently, I demand that this account be removed from my credit report with all three major credit bureaus ( Equifax, XXXX, and XXXX ) to correct the information and restore my credit score. 

Written Documentation : I request written confirmation of the investigation 's findings and a confirmation letter once the account has been removed from my credit reports. 

I expect a response to this dispute within the legally mandated timeframe of 30 days as outlined by the FCRA. Should you require any further information or documentation from my side, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this serious matter. I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers against fraudulent financial activities and credit reporting inaccuracies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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:
Formal Dispute of Unauthorized XXXX  XXXX XXXX Account I am writing to formally dispute the existence of an account under my name with XXXX XXXX XXXX that I believe has been opened fraudulently and without my consent or knowledge. I only became aware of this account by reviewing my credit report on XXXX, which indicates an account listed by XXXX XXXX XXXX [ insert any account number or reference if available, or state 'with no specific account number provided ' ]. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or fraudulent information on my credit report and request that it be investigated, corrected, or removed as necessary. This unauthorized account is not only inaccurate but also damaging to my credit standing and is the result of identity theft. 

I hereby request the following actions be taken as per the FCRA guidelines : Verification of the Account : Please conduct a thorough investigation into this account to verify its authenticity, how it was opened, and any documentation that was used to establish this account in my name. I assert that I did not authorize the opening of this account and have no knowledge of it prior to my credit report review.

Immediate Freeze on the Disputed Account : Pending the investigation, I request an immediate freeze on the account in question to prevent any further fraudulent activity. 

Correction of Credit Reports : Should the investigation confirm that the account was indeed opened fraudulently, I demand that this account be removed from my credit report with all three major credit bureaus ( XXXX, Experian, and XXXX ) to correct the information and restore my credit score.

Written Documentation : I request written confirmation of the investigation 's findings and a confirmation letter once the account has been removed from my credit reports. 

I expect a response to this dispute within the legally mandated timeframe of 30 days as outlined by the FCRA. Should you require any further information or documentation from my side, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this serious matter. I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers against fraudulent financial activities and credit reporting inaccuracies. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2018 Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: MD

Complaint narrative:
I already wrote 2 letters to Equifax to dispute several hard inquiries that appear on my Equifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax is refusing to do my investigation. Please see the attached old and follow up letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: AL

Complaint narrative:
I " XXXX XXXX XXXX '' have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: NY

Complaint narrative:
I have diligently corresponded with your bureau regarding my status as an identity theft victim, yet my concerns remain unresolved. I am once again disputing the damaging fraudulent information on my credit file. Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have personally contacted the banks associated with these accounts, submitted the necessary documents, and ensured the immediate removal of these accounts from their records. It is puzzling that while other credit bureaus have promptly removed these accounts following the FTC submission, your bureau has not. I am curious to understand the verification process your bureau employed to continue reporting this fraudulent account. 

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Noticed there has a hard inquiry I did not recognize.

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 2024-04-10 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: LA

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. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-10 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: LA

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. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-10 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:
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy : Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I believe FCRA 605B says we must take out any wrong accounts from my credit report. Can you check the papers? Some accounts listed are wrong in terms of what's reported, like wrong amounts and dates.

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 2024-04-10 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:
This is a formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed 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 To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2024-04-10 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:
Experian has been violating my rights since XX/XX/XXXX and refuse to comply with federal law under 15 USC 1681i ( a ) ( 1 ) ( A ) and 15 USC 1681 B. They have taken over the legal allocated timeframe to conduct an investigation. The keep imposing an account that's not mine then continues to report it without being completed in its entirety. This is deceptive. They did not respect my right to publishing my non-public personal information according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

The information posted impacts all key component of congressional findings which includes my credit worthiness, credit standing, credit capacity, character, and general reputation. I bring to question the method of procedure. Actions were not properly followed according to 15 USC 1681i. Experian has taken over XXXX  months to even update such account. These actions are illegal and should not be ignored. 

XXXX XXXX XXXX # XXXX proves that Experian received the dispute XX/XX/XXXX. As of XX/XX/XXXX, Experian took the liberty to " update '' the disputed account. This is WELL passed the XXXX day investigation period authorized by federal law and account is still found to be incomplete.

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 2024-04-10 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-04-10 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: MD

Complaint narrative:
I already wrote to Transunion twice now to dispute several hard inquiries that appear on my Transunion credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX. XXXX XXXX  ( XXXX ) XX/XX/2024 XXXX. XXXX XXXX XXXX  ( Bank ) XX/XX/2024 XXXX. XXXX  XXXX ( Bank ) XX/XX/2024 Transunion is refusing to do my investigation. Please see the attached old and follow up letters.

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