vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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 demanding the immediate removal of fraudulent accounts that have been wrongfully placed on my credit report. These accounts were fraudulently opened in my name without my knowledge or consent, stemming directly from the XXXX Equifax data breach, in which sensitive personal information was stolen and subsequently misused. This constitutes a clear and actionable case of identity theft. 

The following fraudulent accounts have been placed on my credit report and must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in unauthorized hard inquiries and collections that are both damaging and illegal under federal law. 
Specifically : Under 15 U.S.C. 1681c-2, you are required to block and remove fraudulent information from my credit report within XXXX DAYS of receiving this notice. 

Under 15 U.S.C. 1681s-2, all collection activities related to these accounts must cease immediately. Under 15 U.S.C. 1681b-2, it is unlawful to furnish credit reports or use consumer information without proper authorization. 

These fraudulent accounts were opened without my consent, violating this statute. Your failure to comply with these clear legal obligations will result in immediate escalation. I will initiate legal proceedings to hold your organization accountable for all damages caused by your negligence and failure to act. You are required to confirm receipt of this demand immediately and provide written documentation proving that these fraudulent accounts have been removed, unauthorized inquiries corrected, and all collection activities ceased. Any delay, noncompliance, or excuse will be met with swift action.

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

Complaint narrative:
I am writing to formally request that you block and delete the inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ). I am a victim of a data breach, and these inquiries were fraudulently conducted in my name without my authorization. 
The fraudulent inquiries are as follows : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-12 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: TX

Complaint narrative:
RE : XXXX XXXX XXXX To whom it XXXX concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-12-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The business credit card Ive had through Chase ending in XXXX belonging to XXXX XXXX XXXX XXXX showed up on my personal credit. Im not a sole owner. The company is going through hard financial difficulties at the moment and Im personally being affected from the claim on my personal credit report. My credit score due to this appearance dropped my personal credit score XXXX points in a time when Im having personal financial struggles do to the business issues. Until the business is fixed and in good standing XXXX cant have additional issues like business debt through a company on my report further damaging my financial situation

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

Complaint narrative:
Today, I am rewriting this complaint to EXPERIAN regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than XXXX  days to complete and they stated that they had completed the investigation. However, when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the information are inaccurate and fraudulently reported? This is not right. I understand my rights under 15 U.S.C 1681 section XXXX A which states that I have the right to privacy and 15 U.S.C 1681 section XXXX A Section XXXX, which also states a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX to support this complaint.

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 2024-12-12 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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I viewed my Experian credit report on XX/XX/2024 and noticed there were things that are not accurate and incomplete. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2024-12-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted XXXX XXXX XXXXXXXX services department, and explained that there was XXXX issues in regards to these particular inquiries on my credit report. 

XXXX. That I am not familiar with this XXXX ( XXXX XXXX - XXXX ) and I see that there has been unauthorized inquiries reported. 
XXXX. This Company is listed twice on the report ( which is giving XXXX Inquiries ) on the same day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon speaking with the agent on XXXX she gave me a Confirmation XXXX XXXXXXXX, in regards to the request that they investigate and remove - and based upon 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports This section specifies the conditions under which a creditor or any entity can legally obtain your credit report. Unauthorized inquiries violate this provision. 
But it is still on my Equifax XXXX report.and I would like it removed. Please and Thank you!

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

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.In accordance with the Fair Credit Reporting act. 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 XXXX 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. 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 XXXX 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.

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 2024-12-12 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: CA

Complaint narrative:
I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was, in fact, paid on time. The consumer reporting agencies need to report all information with complete accuracy. This Account has not been late on payments and is only being reported as late, by Equifax. My XXXX and XXXX XXXX both indicate payments made on time. Ive attached a copy of my report to this complaint of the following dates : XX/XX/year> and XX/XX/year>. Im now requesting you to investigate and provide verifiable proof, with records, showing that I had late payments. If this information can not be verified, I demand these payments to be updated to paid on time, immediately. Thank you for your understanding and prompt action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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:
I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my XXXX XXXX identity theft report  ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per XXXX XXXX XXXXXXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX XXXX. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
XXXX XXXX turned a debt over to a credit agency XX/XX/XXXX for a debt claimed to be owed from XXXX under my maiden name. I was a customer with them for many years. I went to XXXX and requested they check my account. They confirmed I did not owe anything and had nothing past due. They also confirmed that at no point did I have any charges that could possibly equal the {$160.00} they have listed as owed on my credit score. They even sent me a {$12.00} refund in XX/XX/XXXX when i cancelled their services. I never received any email or mail request to pay any past due balances from XXXX or the debt collection agency, XXXX XXXX XXXX. Phone number showing XXXX on my credit report. I requested paperwork be sent on XX/XX/XXXX and nothing has been sent. I provided my actual email Address and my phone number because nothing that had matched up with my information. Clearly showing that it was not me that had this account, but that wasnt enough to help.

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 2024-12-12 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 express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-12-12 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-12-12 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-12-12 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:
I went to check my credit profile and found some inquiries that are not mine.

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 2024-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: NC

Complaint narrative:
US Auto Sales went out of business abruptly in early XXXX when I had just purchased a vehicle from them. The vehicle was repaired once under warranty within the first 15 days. I paid for the extended warranty on the vehicle through US Auto offered through XXXX and paid with my payments. Within a month the car needed another major repair and I got estimate and information over to XXXX to start the claims process under the warranty. I was then told the dealership had not made the payments to the company for the warranty contract and the vehicle could not be repaired. After trying to contact US Auto, to my surprise I found out they went out of business. 

I was stuck with a broken vehicle with a contract sold to a new company called Westlake Financial who advised they would not honor the warranty contract either. The car sat parked until it was illegally repossessed by Westlake. Today Westlake shows on my credit as a repossession charge off for a balance of {$19000.00} for a broken down XXXX XXXX XXXX that the company refused to repair. I dont know how to handle this and I am currently without a vehicle and have a repossession with a high balance on my credit.

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