vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 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:
This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX 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 2024-07-10 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: FL

Complaint narrative:
This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Account info Account name XXXX/COMENITY/XXXX  XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$250.00} Highest balance {$490.00} Terms - I do not know this account and am formally requesting the original signed contracts between myself and Comenity showing that I am liable for the debt on this account or that it be immediately and permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Account info Account name TD BANK XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$480.00} written off. {$160.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$160.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$200.00} Highest balance {$480.00} Terms - On record until XX/XX/XXXX I do not know this account and formally request the original contracts between myself and TD Bank showing that I am liable for the debt on this account or that it be immediately and permanently removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: EQUIFAX, INC.
State: GA

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
Consumer complaint received 2024-07-10 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: OH

Complaint narrative:
Upon reviewing my updated personal credit report, I discovered that unauthorized credit inquiries persist. It appears that my credit has been compromised under your oversight. Despite submitting FTC report # XXXX, these inquiries remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries listed below. This letter addresses several unauthorized hard credit inquiries on my credit report, with THREE ( 3 ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference. I am deeply disappointed by your inaction. When will EQUIFAX remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries : XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This letter serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. This is my LAST WARNING. Please remove the inquiries resulting from erroneous credit reporting. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax did not complete a proper investigation or update the inaccuracies related to my student loans with XXXX. Despite providing substantial proof multiple times to support my claim, Equifax has consistently failed to correct the incorrect reporting of my XXXX XXXX XXXX XXXX I have also lodged several complaints with the CFBP documenting Equifaxs negligence. This ongoing inaction is a violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing the results of Equifaxs investigation, it is evident that no proper investigation was completed. This has resulted in no updates or corrections being made to my credit report, which continues to reflect incorrect information. The failure to update and correct my XXXX XXXX XXXX XXXX is not only frustrating but also damaging to my creditworthiness. Equifaxs inadequate handling of my dispute is unacceptable and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: TX

Complaint narrative:
I am filing to formally request your assistance in addressing an issue with my credit report. I recently satisfied a collection account with XXXX XXXX XXXX, which now reflects a {$0.00} balance. Despite this, the account continues to appear on my credit report, negatively impacting my credit score and overall financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: TX

Complaint narrative:
I am filing to formally request your assistance in addressing an issue with my credit report. I recently satisfied a collection account with XXXX XXXX XXXX, which now reflects a {$0.00} balance. Despite this, the account continues to appear on my credit report, negatively impacting my credit score and overall financial standing.

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 2024-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XXXX XXXX I hired XXXX XXXX to pick my items on storage and ship to wa state. The sales person took my information and square footage of my storage unit and gave me a quote with the remaining balance being {$1100.00}. When I arrived in XXXX Texas on XX/XX/2024, the transportation workers told me that I would have to pay a lot more than I was quoted for the amount of items that were in the unit. The people in office quoted me wrong. they failed to pick up my items and deliver them to Washington state as agreed. When I disputed the transaction twice, the bank told me that there was nothing I could do as I agreed to the payment. But the service was not completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: GA

Complaint narrative:
This is my second letter concerning the incorrect credit reporting on my file. I am writing to dispute the inquiries listed below, which are a result of this error. These inquiries do not relate to any transactions for goods, services, or money that I have authorized. Therefore, I respectfully request the immediate removal of these erroneous inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These inquiries are completely unfamiliar to me. Additionally, the information regarding these inquiries has been removed by other credit bureaus, which casts doubt on their accuracy. The dates reported for these inquiries are also unclear to me. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days upon receiving ( XXXX ) appropriate proof of my identity, ( XXXX ) a copy of an identity theft report, ( XXXX ) identification of the disputed information by me, and ( XXXX ) a statement from me confirming that the information does not pertain to any transaction conducted by me.

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 2024-07-10 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:
This is my second letter concerning the incorrect credit reporting on my file. I am writing to dispute the inquiries listed below, which are a result of this error. These inquiries do not relate to any transactions for goods, services, or money that I have authorized. Therefore, I respectfully request the immediate removal of these erroneous inquiries from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXXXXXX XXXX XXXX XXXX XXXX Equifax XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, WI XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX BY A XX/XX/XXXX ; XXXX XX/XX/XXXX. These inquiries are completely unfamiliar to me. Additionally, the information regarding these inquiries has been removed by other credit bureaus, which casts doubt on their accuracy. The dates reported for these inquiries are also unclear to me. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days upon receiving ( XXXX ) appropriate proof of my identity, ( XXXX ) a copy of an identity theft report, ( XXXX ) identification of the disputed information by me, and ( XXXX ) a statement from me confirming that the information does not pertain to any transaction conducted by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I tried to open bank account and was denied because of unauthorized account on my XXXX XXXX XXXX told XXXX XXXX these were due to identity theft but no response citizens bank $ XXXX citizens bank {$88.00} 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

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 2024-07-10 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
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 2024-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally lodge a complaint concerning my credit report. Despite my repeated efforts over the previous attempts to rectify the errors, my credit report still inaccurately reflects late open and late closed accounts that should be corrected or removed. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I have provided the necessary documentation and evidence in my previous disputes to support my claims. However, it is disheartening that these errors have not been corrected or removed, negatively impacting my credit score and financial standing.These errors are not resolved promptly, so I will seek assistance from you and pursue legal action to ensure my rights are protected. Kindly help me correct the late open accounts and remove the late closed immediately : XXXX XXXX Balance : {$140000.00} ; XXXX  XXXX Balance : {$180000.00} ; XXXX  XXXX Balance : {$0.00} - removed.

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 2024-07-10 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: PA

Complaint narrative:
I am writing to formally lodge a complaint concerning my credit report. Despite my repeated efforts over the previous attempts to rectify the errors, my credit report still inaccurately reflects late open and late closed accounts that should be corrected or removed. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I have provided the necessary documentation and evidence in my previous disputes to support my claims. However, it is disheartening that these errors have not been corrected or removed, negatively impacting my credit score and financial standing.These errors are not resolved promptly, so I will seek assistance from you and pursue legal action to ensure my rights are protected. Kindly help me correct the late open accounts and remove the late closed immediately : XXXX XXXX Balance : {$140000.00} ; XXXX  XXXX Balance : {$180000.00} ; XXXX  XXXX Balance : {$0.00} - removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
None mailable address I want this inquiry 's deleted and removed from my credit I did not authorize or give this Company the right to run my credit.

Company response to consumer: Closed with explanation