vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX RE : Formal Notice of Identity Theft XXXX XXXX To Whom It May Concern : I am writing to you in my professional capacity as counsel for XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, Florida, XXXX. My client has been the victim of identity theft, resulting in fraudulent activity and unauthorized use of her personal information. The relevant details of her identity are as follows : Date of Birth : XX/XX/year> Last Four Digits of Social Security Number : XXXX Attached to this correspondence is a copy of the identity theft report filed by XXXX XXXX, along with supporting documentation. This report details fraudulent accounts and/or transactions created in her name without her authorization. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) and other applicable state and federal laws, I demand that XXXX XXXX  take the following actions without delay : XXXX. Investigate and resolve all fraudulent activity associated with XXXX XXXX personal information, including any unauthorized accounts or transactions. 
XXXX. Provide written confirmation that all fraudulent accounts or transactions have been permanently removed from your records and cease any collection or reporting of such information to consumer reporting agencies. 
XXXX. Disclose the results of your investigation to my office, including specific details of your findings and all actions taken. 

Failure to comply with these demands may constitute a violation of the FCRA and other consumer protection laws. Such violations will expose XXXX XXXX  to legal liability, including compensatory damages, statutory penalties, and attorneys fees. 

If additional information or documentation is required to expedite your investigation, please contact me directly at the information listed above. Please note that all future correspondence regarding this matter must be directed to my office.

Time is of the essence in addressing this issue. I expect a written response within 14 calendar days from the receipt of this letter, confirming the steps taken to rectify this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Supporting Documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: OH

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a demand for the immediate correction of inaccurate late payments reported by Experian and XXXX. As a consumer, I am fully entitled to accurate and timely reporting under the Fair Credit Reporting Act ( FCRA ). I am demanding that both of these agencies correct these inaccuracies immediately. XXXX has already corrected all of these accounts, and Experian and XXXX must do the same without delay. 

XXXX XXXX ( XX/XX/XXXX ) : This account is incorrectly reported as late. The payment was not late and must be updated to " current '' status immediately. 
XXXX XXXX ( XXXX XXXX ) : Payments were made under a payment plan. Under XXXX XXXX. XXXX, reporting these as late is unlawful. Even if there were no payment plan, this remains a violation of my rights. This must be corrected now. 
XXXX XXXX : XX/XX/XXXX : Payment was deferred due to a hurricane, not a late payment. Reporting this as late is a violation of consumer rights and must be corrected immediately. 
XX/XX/XXXX- XX/XX/XXXX : Payments were made on time. This error must be corrected without further delay. 
XXXX XXXX ( XXXX & XX/XX/XXXX ) : These months must be updated to " current '' status, as they were inaccurately reported. 
Experian has been sued by the Consumer Financial Protection Bureau ( CFPB ) for mishandling consumer credit information, which is an indication of its failure to follow proper procedures. XXXX is not immune from scrutiny either, and I will not tolerate its disregard for consumer protection laws. Additionally, the XXXX data breach has already caused significant damage to my credit. These reporting agencies must now correct their mistakes without further delay. 

Your agencies negligence in reporting late payments that never occurred is not just a mistakeit 's a violation of my consumer rights. I demand these corrections be made immediately, or I will pursue further legal action. Your failure to comply with the law and correct these inaccuracies will be reported to the CFPB and other relevant authorities. 

These errors have caused harm to my credit, and I insist they be fixed now. I will not allow these errors to continue. You are legally obligated to correct them and restore my credit status to its rightful 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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: AR

Complaint narrative:
I am disputing the collection account with SELF / LEAD account number XXXX dated XX/XX/year>, with a balance of {$0.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that SELF / LEAD provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
I have reported this inaccurate information in an effort to resolve the issue, as it has significantly impacted my personal life and caused me mental distress. These fraudulent items on my consumer report have prevented me from achieving important goals, such as purchasing my dream car and adequately providing for my family. 

I am a victim of identity theft, and these items do not belong to me. I did not consent to the reporting of this information on my consumer report. I have attached my letter and the FTC report as evidence. 

I request that you investigate and resolve this matter promptly. If the situation is not addressed appropriately, I will be forced to pursue legal action to protect my rights.

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 2025-01-10 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Ive suspected for a long time that someone are a group of people have been invading my privacy and stole my identity. I recently was going through questions asked by the service XXXX XXXX XXXX pertaing to my credit report to verify myself based on my personal information that I entered at XXXX XXXX XXXXcreate-account and the questions they asked about things on my credit report i did not regconize and had no idea of them being there. I was denied verification to create my account due to me not answering the questions correct that was reflected from my credit report.

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 2025-01-10 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 obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent I've sent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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 2025-01-10 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: MD

Complaint narrative:
some of the information in the credit report is not mine. I was a part of the Data Breach and deserve to have accurate information Also, there was a charge off for XXXX XXXX XXXX and a charge off is considered income and can not be reported and must be removed. Because it was charged off XXXX filed a 1099c and got a Credit at the end of tax year. which I Requested a copy. So, once a gain I'm need a copy of the 1099c that was filed with the IRS

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 2025-01-10 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: MD

Complaint narrative:
some of the information in the credit report is not mine. I was a part of the Data Breach and deserve to have accurate information Also, there was a charge off for XXXX XXXX XXXX and a charge off is considered income and can not be reported and must be removed. Because it was charged off XXXX filed a 1099c and got a Credit at the end of tax year. which I Requested a copy. So, once a gain I'm need a copy of the 1099c that was filed with the IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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 a victim of XX/XX/XXXX. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XX/XX/XXXXt Number : XXXXXX/XX/XXXX Number : XXXX XX/XX/XXXX Number : XXXX XX/XX/XXXXNumber : XXXX Inquiry XX/XX/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 2025-01-10 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: OH

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-10 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: NY

Complaint narrative:
on XX/XX/year> there was a fraudulent credit card taking out using my personal information for the amount of {$1600.00} i have filed and ftc report and have contacted the police

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 2025-01-10 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: NY

Complaint narrative:
on XX/XX/year> there was a fraudulent credit card taking out using my personal information for the amount of {$1600.00} i have filed and ftc report and have contacted the police

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/year>, I sent a wire for {$700.00} from my checking account with XXXX XXXX to a XX/XX/XXXX account with Bank of America. In the name section for the wire, I put the individual I was working with ( the business owner ) and in the comments I put the companies name in full. 

The wire appears to have been rejected by Bank of America, perhaps because of the name I put (? ), despite me specifying the company name in the wire. I called my bank and they explained Bank of America returned only partial payment in the amount of {$650.00}, and that may be because of some fee they are charging. But my bank cant say with certainty why Bank of America would charge this since its not their fee and that I should contact them. 

I spent considerable time researching such a fee on Bank of Americas website and found no explanation or fee published that aligns with this amount of {$45.00} for a returned wire. I called Bank of America - spent perhaps an hour just trying to get through to a person because they make it extremely difficult in their menus with countless obstacles to talk to someone if you arent one of their customers. When I finally did get to a person in the wire department, they would not give me any details or possible explanation of the fee because Im not a Bank of America customer. Yet they charged me this fee. So I can not validate why Im getting charged a fee anywhere and the company refuses to disclose. I believe this is a junk fee given its excessive and not published anywhere, nor are they even willing to explain it after Ive contacted them. I would like the {$45.00} refunded promptly to me, in full so that I dont have to take any further action. 

If it helps, here is the description in the returned wire : WT XXXX BANK OF AMERICA XXXX / XX/XX/XXXX OF XXXX XXXX XXXX XXXX XXXX # XXXX TRN # XXXX RFB # 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 2025-01-10 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-10 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: NY

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 noncompliance 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 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 2025-01-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I'm reaching out because Experian is helping XXXX XXXX put incorrect information on my credit report related to the account below : XXXX XXXX Account # XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate!

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2, Account Name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. '' In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 
Please delete this incorrect information from my report immediately.

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