vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following unauthorized accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these fraudulent items be removed promptly. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$490.00} XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$490.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$530.00} Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX CO - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/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 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 - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX NA - 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 non-monetary relief
Consumer complaint received 2024-12-06 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX SSN : XXXX XXXX : XX/XX/XXXX ( This Is Not A Duplicate ) To : Experian This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit cards and others : XXXX XXXX-Opened in XXXX, Bank XXXX XXXX XXXX XXXXXXXX XXXX in XXXX, XXXX XXXX XXXX XXXX, opened XXXX XXXX, XXXX XXXX XXXX Bank opened in XXXX, XXXX Bank XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX in XXXX, Portfolio XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 

A copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. I have attached a copy of my Drivers License, a copy of my Social Security XXXX, a copy of Proof Of Residence and a copy of the FTC Report .... 

Please make sure neither company ( lie by stalling ) saying that they need proof of identity because I am sending proof of identity with this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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
Consumer complaint received 2024-12-06 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: NJ

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following unauthorized accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these fraudulent items be removed promptly. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$490.00} XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$490.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$530.00} XXXX XXXX  : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/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 - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/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 XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX NA - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following unauthorized accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these fraudulent items be removed promptly. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$490.00} XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$110.00} NATLCRSYS XXXX XXXX - XX/XX/XXXX - {$490.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$530.00} Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX 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 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 XX/XX/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 XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX NA - 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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting and Non-Compliance with FCRA For reference, the XXXX Bankruptcy XXXX XXXX XXXX number XXXX XXXX .I am filing a formal complaint regarding TransUnions failure to comply with the Fair Credit Reporting Act ( FCRA ) in accurately reporting information on my credit file. Despite my repeated efforts to address the issue directly with TransUnion, they have failed to provide adequate validation of a disputed account. 

On XX/XX/year>, TransUnion stated that they investigated the information i disputed and the disputed information was VERIFIED AS ACCURATE. However, they failed to identify the specific company responsible for the certification. This raises concerns about the legitimacy of their verification process. 

Steps Taken to Resolve the Issue : Contact with the XXXX Bankruptcy XXXX XXXX XXXX I reached XXXX to the XXXX Bankruptcy Court-Texas XXXX XXXX which XXXX XXXX XXXX XXXX not report any information to credit bureaus. 

Review of PACER Records : I reviewed my PACER records and found inaccuracies related to the reported account. 
XXXX with XXXX : XXXX confirmed that they did not validate any information from the courts and subsequently deleted the disputed item from their records. 
Despite this, TransUnion continues to report the account on my credit file without providing clear documentation of validation or identifying who verified the information. 

Violations of the Fair Credit Reporting Act : TransUnions actions are in clear violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to : XXXX a proper reinvestigation of disputed information, Remove unverifiable information from the consumers credit file, and Provide transparency regarding the source of any validated information. 
XXXX response to my disputewithout clear evidence of verificationconstitutes either an error or a misrepresentation. Additionally, if they obtained the information independently, their reporting process does not meet the standards outlined in the FCRA. 

Complaint Request : I respectfully request that the CFPB investigate the following : How TransUnion verified the accuracy of the disputed account. 
Whether TransUnion can provide documentation identifying the company or entity responsible for certifying the accuracy of this information. 
Why TransUnion continues to report this account despite the XXXX Bankruptcy XXXX and XXXX confirming they did not validate or report this information. 

Thank you for your attention to this matter. I trust the CFPB will address this issue promptly to ensure compliance with federal regulations and protect consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and am requesting the immediate blocking and deletion of the accounts and inquiries listed below, as they are the result of fraudulent activity. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which allow for the removal of such information when it results from identity theft. 
The following accounts are fraudulent and must be blocked and deleted : Accounts : XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$170.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$940.00} XXXX. XXXX SELFREPORTED Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$17.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$2300.00} XXXX. XXXX SELFREPORTED Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$48.00} XXXX. XXXX SELFREPORTED Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX SELFREPORTED Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$250.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$2800.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$9500.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 non-monetary relief
Consumer complaint received 2024-12-06 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My identity was stolen for tax fraud im not sure when but i received a letter in the mail saying i owe XXXX when XXXX only XXXX turned XXXX this year of XXXX so im not sure who tried filling my taxes, someone also stole my identity when i lost my wallet back in XXXX opened up accounts im not sure of ( XXXX, XXXX ) and also gained access to my XXXX  account and were trying to commit fraudulent activities. i also NEVER gave any of these companies permission to run my credit, this fraudulent ( capital one, XXXX XXXX XXXX and these other banks im not sure of )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
I am writing to formally report that I am a victim of a data breach, and the following fraudulent accounts have been identified on my credit report. I request that these accounts be immediately blocked and permanently removed from my credit file in accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX BANK SS - XXXX - XX/XX/XXXX - {$00.00} BANK XXXX XXXX - XXXX - XX/XX/XXXX - {$8500.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$2700.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$860.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$950.00} XXXX CARD - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$26000.00} XXXX - XXXX - XX/XX/XXXX - {$830.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally report that I am a victim of a data breach, and the following fraudulent accounts have been identified on my credit report. I request that these accounts be immediately blocked and permanently removed from my credit file in accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX BANK SS - XXXX - XX/XX/XXXX - {$00.00} BANK XXXX XXXX - XXXX - XX/XX/XXXX - {$8500.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$2700.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$860.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$950.00} XXXX CARD - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$26000.00} XXXX - XXXX - XX/XX/XXXX - {$830.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE. Kindly expedite the removal of the unauthorized accounts from my credit report. I did not authorize or initiate these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally request their removal within 15 days. Relevant documents are enclosed for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: CA

Complaint narrative:
The reporting agency has failed to correct inaccurate information on my credit report after multiple disputes, violating my rights under the FCRA 611 ( a ). Despite providing evidence, the agency has not conducted a reasonable investigation or provided proof to substantiate the inaccurate data. This negligence has severely impacted my creditworthiness and caused financial harm.

Company response to consumer: Closed with explanation