vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: MS

Complaint narrative:
Subject : Dispute of Inaccurate Account Information XXXX  XXXX To Whom It May Concern, I am submitting this formal dispute regarding inaccurate information reported by XXXX XXXX to the credit bureaus, which I believe is directly related to my status as a victim of the Equifax data breach. As a result of this breach, my personal and financial information was compromised, leading to the reporting of an account that I did not authorize or open. 

The inaccurate information has been reported to XXXX, Equifax, and XXXX and is causing significant harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, I am requesting that XXXX  XXXX conduct a thorough investigation into this account and provide documented proof of its legitimacy. If validation can not be provided, I demand the immediate removal of the account from all credit reports. 

As a victim of the Equifax data breach, I am deeply concerned about the security of my sensitive information and my ongoing risk of identity theft. I also invoke my rights under the Gramm-Leach-Bliley Act ( GLBA ) to ensure that my financial data is safeguarded and handled appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: MS

Complaint narrative:
Subject : Dispute of Inaccurate Account Information XXXX  XXXX To Whom It May Concern, I am submitting this formal dispute regarding inaccurate information reported by XXXX XXXX to the credit bureaus, which I believe is directly related to my status as a victim of the XXXX XXXX breach. As a result of this breach, my personal and financial information was compromised, leading to the reporting of an account that I did not authorize or open. 

The inaccurate information has been reported to Experian, XXXX, and XXXX and is causing significant harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, I am requesting that XXXX  XXXX conduct a thorough investigation into this account and provide documented proof of its legitimacy. If validation can not be provided, I demand the immediate removal of the account from all credit reports. 

As a victim of the XXXX data breach, I am deeply concerned about the security of my sensitive information and my ongoing risk of identity theft. I also invoke my rights under the Gramm-Leach-Bliley Act ( GLBA ) to ensure that my financial data is safeguarded and handled appropriately.

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 2025-01-03 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:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-01-03 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: WI

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 explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Dispute Regarding Incorrect Late Payment Reporting for XXXX  Account Dear CFPB, I am writing to dispute inaccurate late payment information appearing on my Experian credit report for the XXXX mortgage account ( Account # : XXXX ). 
Details of the Dispute Your records erroneously reflect late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These notations are incorrect and unsupported by my payment history, as evidenced by the enclosed documentation. 
Legal Basis for Dispute The reporting of these late payments violates several federal laws, including : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681c : Prohibits reporting inaccurate or outdated information.

15 U.S. Code 1681s-2 ( b ) : Requires furnishers of information to investigate and correct inaccuracies upon notification.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Billing statements must be provided in a timely manner, at least 21 days before the payment due date.

Consumer Financial Protection Bureau ( CFPB ) Regulations : Credit bureaus must ensure fairness, accuracy, and prompt resolution of consumer disputes.

15 U.S. Code 1681n and 1681o : Violations of these laws expose furnishers and credit bureaus to liability for both willful and negligent non-compliance. 
Requested Resolution I demand the removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and written confirmation of the correction. 
Enclosures Included are the following documents to support my claim : Copy of my identification ( ID ).

Proof of address.

Copy of my Social Security card.

Highlighted credit report showing errors.

Bank statements proving timely payments. 
Notice of Potential Escalation If this matter is not resolved within the time frame required by the FCRA, I will file formal complaints with the CFPB, FTC, and potentially pursue legal action under applicable laws. 
Sincerely, 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 2025-01-03 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncomplia
nce under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

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 2025-01-03 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: CA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I initially sent a letter to Transunion dated XX/XX/year>. They received it XX/XX/year>, confirmed by certified receipt. This was a letter requesting validation of some items I saw on my credit report that were being reported inaccurately and are harming my credit file. They then responded with a letter dated XX/XX/year> which stated that my letter " didn't appear that [ I ] or a properly authorized third party sent it to [ them ]. '' They stated, " If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us ... .If you feel you received this letter in error, please contact us to confirm your identity and the information you wish to dispute. '' Since I am not working with a credit repair company and am seeking validation on my own I decided to call Transunion and settle this confusion. After 45 minutes on hold and 2 dropped calls, I was able to reach an agent who informed me that all I had to do was resend the letter and attach my ID and a current bill. I explained to her that I had already sent all that in with my initial letter, regardless, she asked me to send everything again. I think there would be more for me to do or answer security questions but no. She strictly requested for me to send my letter and documents again. I sent in my documents a second time on XX/XX/year> and I received the same letter as the first one on XX/XX/year>. The letter is asking and inquiring about the same thing. I am extremely frusturated because credit is something I take seriously as I am trying to purchase a house soon and these inaccuracies are not helping. Not to mention the {$20.00} i'm spending on each piece of mail just for them to tell me the same thing. I refuse to submit my disputes online as I lose the tracking and time outlined by the FCRA and FDCRA.

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 2025-01-03 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: TX

Complaint narrative:
I am filing a formal complaint regarding a fraudulent XXXX XXXX XXXX account that is currently being reported on my credit file. I discovered this account on XX/XX/XXXX and have since confirmed that it was opened without my knowledge or authorization. I currently do not have any auto loans or leases, as I own a fully paid-for XXXX XXXX XXXX XXXX purchased in cash. This fraudulent account is significantly impacting my credit score and financial stability, making it difficult for me to secure credit and other financial opportunities. 

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 XXXXXXXX : # XXXX I looked at my Transunion credit report XX/XX/XXXX 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 ( e ) ( b ). 

Section 605B ( 15 U.S.C. 1681c-2 ) : Allows identity theft victims to request the blocking of information resulting from identity theft.

Section 623 ( 15 U.S.C. 1681s-2 ) : Obligates data furnishers to report accurate information.

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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 ) 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERISAVE MORTGAGE CORPORATION
State: IN

Complaint narrative:
My escrow account was debited {$170.00} for mortgage insurance premium ( MIP ) on XXXX even though the mortgage was paid off on XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX  XXXX  {$9400.00} This credit account is the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
I have reviewed my consumer reports and notice that It's 2 late payments on an account that I was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abilities with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside the complaint in on dates of XX/XX/XXXXXXXX  XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks. Please see screenshot attached

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 2025-01-03 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
**Version 1 : Professional and Formal** I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief