vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX : XXXX, has violated my rights. 

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report 7 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 accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX : XXXX, has violated my rights. 

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report 7 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 accurate.

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 2025-02-15 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I recently relocated to XXXX XXXX XXXX with intentions of renting a nice comfortable place for me and my son to live. Unfortunately, I have been denied residency from every apartment complex that I've applied to, The reason for the denials is because there's a civil court case on my report that shows that I have not satisfied the judgement that was placed against me in XXXX. Because of this egregious oversight my son and I have been homeless since moving here in XXXX. I moved here without a concern simply because I just knew that the plaintiff 's lawyer had submitted the proper documents to the justice court in XXXX  showing that I'd satisfied the judgement and also because I'd been diligently working on my credit and it went from bad to good. So I didn't foresee myself having any issues. 

Well that has not been the case. We've been using money that we were going to use for rent on a hotel. Which isn't cheap. This has caused my son and I to be XXXX XXXX Not only have I been wasting my rent money on the hotel, I've also been losing money on non refundable application and administration fees from every apartment complex that I've applied to. I'm also losing money because I hired a moving company to move our things from XXXX XXXX XXXX. I told the moving company that they could head to XXXX with our belongings within a week. Due to the fact that we haven't solidified a place of our own, I'm running up a tab with the moving company. 

Someone has dropped the ball with this and because of it, I'm homeless, sad, in an unfamiliar place as well as XXXX. My son and I are so ready to have our belongings back from XXXX and a place to call our home. We are not comfortable being in this hotel. Again, it's been over a month and he isn't in school yet nor am I working because I don't know where we will be living. Just as I've satisfied my obligation to the courts, someone needs to satisfy their obligation, which is to report correct information on these reports. Especially since they have a profound impact on one 's life. I need to be made whole as this isn't because of any wrongdoing on my part.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
My credit report with XXXX XXXX XXXX shows an incorrect balance, and the last payment date has not been updated.

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 2025-02-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Refined Version : Subject : Request to Block Fraudulent Information Due to Identity Theft Formal Complaint To : Consumer Financial Protection Bureau ( CFPB ) CC : XXXX, Equifax, XXXX, [ Collection Agencies Involved ] Dear CFPB Representative, I am submitting this formal complaint regarding fraudulent information appearing on my credit report due to identity theft. I demand the immediate blocking and removal of unauthorized accounts, inquiries, and inaccurate personal information, as required under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). 

Background & Identity Theft Claim I recently discovered that my personal information was compromised due to a data breach involving XXXX XXXX XXXX, which resulted in the fraudulent opening of multiple accounts in my name. Prior to last week, I was informed by several representatives that I was unable to access my credit profile, further supporting my claim of identity theft. 

Despite submitting multiple requests, my personal information remains inaccurate, and credit reporting agencies have failed to properly update my records. This inaction has resulted in severe harm, limiting my ability to conduct basic financial transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-15 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: NV

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-02-15 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: AZ

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-02-15 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: I.C. System, Inc.
State: IL

Complaint narrative:
I tried disputing the inaccurate information but it was never corrected. 
I keep amassing inquiries on my report and even though I requested their removal they never get removed. 

To Whom It May Concern, I am writing to formally address the recent identity data breach that has compromised my personal information, including my Social Security number and financial details. This incident has caused me considerable emotional distress, including feelings of shock, anxiety, and fear about the potential misuse of my information. 

In response to this breach, I have taken several proactive measures to protect myself. I have monitored my bank and credit card accounts for unauthorized transactions, placed a fraud alert on my credit report, considered a credit freeze, enrolled in identity theft protection services, and reported the breach to both the Federal Trade Commission ( FTC ) and my local authorities. 

However, despite these efforts, I remain deeply concerned about the long-term implications of this breach on my financial security and personal peace of mind. Therefore, I am seeking assistance and guidance on the next steps I should take. 

I would like to emphasize my rights under the Fair Credit Reporting Act, specifically citing **15 USC 1681i ( a ) ( 1 ) **, which challenges the 30-day response time for addressing disputes. Additionally, **15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) ** raises concerns about the adequacy of investigation protocols, and **15 USC 1681i ( a ) ( 5 ) ( B ) ** challenges the reinsertion protocols for previously deleted information. 

I respectfully request your support in navigating this challenging situation and restoring my identity if it has been compromised. Thank you for your prompt attention to this serious matter, and I look forward to your guidance. 

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 2025-02-15 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I tried disputing the inaccurate information but it was never corrected. 
I keep amassing inquiries on my report and even though I requested their removal they never get removed.

To Whom It May Concern, I am writing to formally address the recent identity data breach that has compromised my personal information, including my Social Security number and financial details. This incident has caused me considerable emotional distress, including feelings of shock, anxiety, and fear about the potential misuse of my information.

In response to this breach, I have taken several proactive measures to protect myself. I have monitored my bank and credit card accounts for unauthorized transactions, placed a fraud alert on my credit report, considered a credit freeze, enrolled in identity theft protection services, and reported the breach to both the Federal Trade Commission ( FTC ) and my local authorities.

However, despite these efforts, I remain deeply concerned about the long-term implications of this breach on my financial security and personal peace of mind. Therefore, I am seeking assistance and guidance on the next steps I should take.

I would like to emphasize my rights under the Fair Credit Reporting Act, specifically citing XXXX15 USC 1681i ( a ) ( 1 ) XXXX, which challenges the 30-day response time for addressing disputes. AdditionallyXXXX XXXX15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) XXXX raises concerns about the adequacy of investigation protocols, and XXXX15 USC 1681i ( a ) ( 5 ) ( B ) XXXX challenges the reinsertion protocols for previously deleted information.

I respectfully request your support in navigating this challenging situation and restoring my identity if it has been compromised. Thank you for your prompt attention to this serious matter, and I look forward to your guidance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NV

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Correction of Personal Information in Credit Report To Whom It May Concern : I recently reviewed my credit report and found several inaccuracies in my personal information, including incorrect addresses, name variations, and employment history. I kindly request your assistance in correcting these errors. I have attached documentation providing proof of my current address and the correct spelling of my name as indicated on your website. 

To facilitate the correction process, here is a list of incorrect addresses currently appearing in my report that I would like removed : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX ( duplicate entry ) The only correct address that should appear in my report is : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX Additionally, I noticed that my name is misspelled in various ways in my credit report. My name has only one correct spelling, and there should be no variations listed. To confirm the correct spelling, I have attached a copy of my photo ID. 

Here are the incorrect spellings currently listed in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request the removal of the following incorrect employer : XXXX XXXX The only employer that should be listed is : XXXX XXXX XXXX These inaccuracies are causing challenges for me in maintaining an accurate credit report and are affecting ongoing legal processes. Therefore, I kindly request the removal of the incorrect names, addresses, and employer from my credit report and that it be updated accordingly. 

Once the necessary corrections have been made, please send me a copy of my updated credit report for my records. 

Thank you for your prompt attention to this matter. I sincerely appreciate your assistance. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
While reviewing my credit report, I discovered inaccuracies that require immediate attention. As outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, the Equifax major credit bureaus are obligated to verify the accuracy of the listed account. If supporting documentation can not be provided within the legally mandated timeframe, the reporting of such unverified information is not permitted. I request a thorough investigation and necessary corrections for the account appearing on my credit reportXXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : Employers : XXXX XXXX I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.

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 2025-02-15 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: DE

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 i 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 i've attached a copy of my report to this complaint on the following dates ( XX/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 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I used my XXXX account to send money to my chime bank account. Because my name did not exactly match the name on my XXXX they held my funds. They requested documentation they were aware I didnt have but I did provide alternate documentation as well as enough information to prove beyond a reasonable doubt that I had ownership over both accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and possible fraudulent accounts. Please note : The personal information listed below requires attention. To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations.

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