vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the Equifax data breach. As a result, this has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I have included an attachment of Equifax confirming my information was compromised and I kindly request that XXXX block the following accounts and prevent any further reporting of them on my credit report : XXXX, Account # : XXXX XXXX XXXX XXXX, Account # : XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked from appearing on my credit report along with these addresses : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX  Please update my Current Address as : XXXX XXXX XXXX, XXXX, PA XXXX Additionally, I am requesting the removal of the following Hard Inquiries that have resulted from this identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: KY

Complaint narrative:
In XXXX '' or the beginning of XXXX '' I received emails and phone calls from Lexington Law Firm stating that if I paid a fee up front and a monthly fee the following months that they would be able to get all the junk off my 3 credit files and help raside my credit score. Which did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: MD

Complaint narrative:
I gave formal notice on XX/XX/year> per 15 USC 1681c2 and provided documentation, under the FCRA Experian was REQUIRED to block and remove the information requested within *four business days*. Experian FAILED to comply with this request and deleted all items EXCEPT the XXXX XXXX  account # XXXX. Experian has lied in a letter sent to me on XX/XX/year> by verifying and stating, The items that you requested to be blocked as a result of identify theft have been blocked from your personal credit report.. This is not true as the XXXX XXXX  account # XXXX still is listed and they have added a comment on the account stating, Completed investigation of FCRA dispute - consumer disagrees.

This is completely ILLEGAL! I have been very patient, but have been keeping detailed records since starting my dispute against this account this year, as well as my follow-up complaints to the CFPB regarding their illegal reporting activity. This is a formal notice to Experian and the CFPB for failure to comply with my block and delete request under 15 USC 1681c2. Again, the fraudulent account, XXXX XXXX  account # XXXX, remains on my credit report despite the four-business-day requirement mandated by law. If the fraudulent information is not removed immediately, I will escalate this matter to legal action. 

Please find attached my dispute letter, FTC Identity Theft Report # XXXX, supporting documentation, Experians dated response, and copy of my credit report still reflecting the account.

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 2024-12-24 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: TX

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

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 2024-12-24 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:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

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 2024-12-24 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:
I am a victim of Identity Theft stemming from both the XXXX data breach and the Equifax data breach, in which my personal information was compromised and subsequently misused without my knowledge or consent. On XX/XX/XXXX, XXXX publicly disclosed that on XX/XX/XXXX it had suffered a significant data breach due to Hackers, with a revised announcement in XX/XX/XXXX stating that all three ( XXXX ) XXXX of its accounts were affected and the names, email addressed, phone numbers, birth dates, passwords, calendars and security questions of its account holders were compromised. On XX/XX/XXXX, Equifax disclosed a major data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potentially other sensitive personal information. Due to these breaches, I have reason to believe that my personal data was used to open unauthorized accounts in my name.

This FTC Identity Theft Affidavit is to report fraudulent accounts showing on my consumer FICO credit report which I do not recognize and which are the result of
Identity Theft Fraud. On XXXX, XXXX publicly disclosed that on XXXX it was breached and Equifax publicly disclosed its breach on XXXX, confirming that the incident occurred between XXXX XXXX XXXX. Each exposed sensitive personal consumer data and due to these breaches my personal information was compromised and used to open unauthorized accounts in my name without my knowledge or consent. These fraudulent accounts consist of a personal credit card account with XXXX on XXXX, a personal credit card account with XXXX XXXX on XXXX, a rental lease account with XXXX XXXX XXXX on XXXX, a medical account with XXXX XXXX  XXXX XXXX, and hard inquiries with XXXX on XXXX and on XXXX, with XXXX XXXX XXXXXXXX on XXXX, with XXXXXXXX XXXX on XXXX, with XXXX XXXX XXXX XXXX XXXX on XXXX and XXXX, with XXXX XXXX XXXX on XXXX and on XXXX, with XXXX XXXX XXXX on XXXX and on XXXX, with XXXX on XXXX, and with XXXX XXXX XXXX on XXXX . These accounts have resulted in several fraudulent collections, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: MA

Complaint narrative:
As a victim of human XXXX  and by supplying all the required docs stated by FCRA Section 605C, Equifax did not block or delete the inaccurate information on my credit report.

Also, they mentioned that they sent me written communication about the results but I never received those.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX - {$5600.00} Late Payment XXXX XXXX - XXXX - {$220.00} XXXX XXXX XXXX XXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Personal Information Also Known As : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Collection XXXX XXXX XXXX  - {$5600.00} Late Payment XXXX XXXX XXXX XXXX - {$220.00} XXXX XXXX XXXX XXXX  - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Also Known As : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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 respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. PLEASE REMOVE THE FOLLOWING INQUIRIES ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-24 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: NY

Complaint narrative:
I am writing to formally dispute recent credit inquiries and the subsequent drop in my credit score, which I believe are directly related to a data breach involving my personal information. I became aware that my information was compromised as part of a recent breach, and shortly afterward, I began noticing unauthorized credit inquiries on my account.

These inquiries have negatively impacted my credit score, and I suspect they are a result of the breach. I have not authorized these credit checks, nor did I apply for any new credit accounts during this period. It is deeply concerning to me that my credit score has been affected by this breach, and I request that these inquiries be investigated and removed if they are determined to be unauthorized or fraudulent.

I would appreciate it if you could review my credit file, provide a detailed explanation of the unauthorized inquiries, and take immediate steps to correct my credit score. Additionally, I would like to receive confirmation that these actions have been taken and that my credit report is fully corrected. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I attempted to Deposit a Cashier 's Check for {$59000.00XXXX XXXX Bank of America ( total deposit would have been {$110000.00} with two Cashier 's checks ). The manager said they had to place a hold on the Cashier Check - When I asked why he said they could not give me a reason until I agreed to deposit the Cashier 's Check. I Asked if he was aware of XXXX XXXX -- he said he was. I then said they have to give me a reason for the Hold, and he said he did not - the computer won't give a reason until I agree to make the deposit. In the same transaction I attempted to Deposit a check from one Bank of America account into another Bank of America Account. They refused to accept that item for Deposit at all. I asked them to place a hold on the item- they said they would not accept it at all for a deposit therefore they could not give me any notice. When I asked why they said the funds had not cleared yet. I again asked them for some letter or receipt, and they would not give me one. 

They did then accept a payment from that same account to my credit line for {$18000.00}. 

This is the second time I've had a bank refuse to accept a cashier check for deposit without giving me a hold notice ( the first time was XXXX XXXX ). I feel this is to intentionally evade XXXX XXXX and make biased decisions without any notice. I also don't understand why they place a hold on a Cashier 's Check. They scanned the check- it was from a known large bank ; my deposit relationship has average balances between XXXX. I've had no NSF 's. My relationship with this bank spans over 15 years- so its not a new account and has had no fraud activity. The check was new and had not been attempted as a previous deposit. 

It seems extremely odd with Check XXXX and the ability for large banks to ping other large banks that their system would " decision '' to hold a cashier 's check. Maybe the system is intended to place holds whenever possible instead of whenever needed.

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 2024-12-24 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2024-12-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPal Credit is inaccurately reporting an account and balance that do not belong to me. I have already disputed this matter, and they have blatantly violated the rules, regulations, and timelines that should govern this process. This is a clear case of identity theft and fraud, and I demand immediate action to rectify this situation. The account and balance in question are not mine, and I expect a swift resolution.

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 2024-12-24 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:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. The folloewing accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/year> I wrote each credit bureau and this company asking to remove this inaccurate information from my account. I ask for the original owner to send the contract and the 1099c statement letter XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX Nothing got done, so I'm writing again. I am filing a lawsuit against JPMCB for violating my constitutional rights. This debt was never removed. Each credit bureau were notified and had more than 30 days to remove this inaccurate debt. 
Charge off 15 U.S. code 1636 & 15 U.S. code 1692g Late payments 15 U.S. code 1681 ( 2Xi ). 15 U.S. code 1666b 12 CFR 1026.13

Company response to consumer: Closed with explanation