vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/XXXX XXXX, Experian, XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request to Block Fraudulent Accounts Under FCRA 15 U.S.C. 1681c-2 ( Section 605B ) Dear XXXX, Experian, XXXX I am writing to formally dispute XXXX accounts on my credit report that were fraudulently opened in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am requesting that you block this fraudulent information from appearing on my credit report. 

The accounts in question are as follows : XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Account Opened on XX/XX/XXXX, XXXX XXXX of XXXX account opened XX/XX/XXXX These accounts were opened without my knowledge or consent, likely as a result of my personal information being compromised in a data breach. I have included the following documentation to support my dispute and verify the fraudulent nature of these accounts : A copy of my government-issued ID and proof of address ( e.g., utility bill or bank statement ). 
A copy of my credit report highlighting the fraudulent accounts. 
A copy of an FTC Identity Theft Report and/or a police report regarding this identity theft. 
Pursuant to 15 U.S.C. 1681c-2, once you receive this request and the accompanying documentation, you are required to block the reporting of this information from my credit report and notify the furnishers of the fraudulent accounts. Please confirm in writing that the fraudulent accounts have been removed and provide an updated copy of my credit report. 

Thank you for your prompt attention to this matter. Should you need further information or documentation, feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I'm reaching out because XXXX 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, XXXX XXXX, 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, l 've shown you that this information is wrong, and youve 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. 
IRS referral is XXXX. 

Please delete this incorrect information from my report immediately. 
Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
I am writing to formally request assistance regarding an issue with my Experian account, which appears to have been compromised, and to address unauthorized entries on my credit report. Recently, I received a letter notifying me that my account with Experian had been hacked. Upon attempting to access my Experian account to investigate further, I discovered that it was linked to another account, and I was unable to log in. Even on a app called XXXX XXXX. To address this issue and review my credit report, I downloaded a different application to access my credit information. It was then that I noticed several items on my report that do not belong to me. These include : XXXX XXXX : {$470.00} XXXX XXXX : {$840.00} XXXX XXXX : {$7300.00}

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 2024-12-31 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: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : The collection account listed in the provided document is as follows : 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 A list of fraudulent hard inquiries, as attached, showing unauthorized access to my credit file. 

Collection accounts and hard inquiries resulting from the fraudulent activities outlined above. 
I do not recognize these accounts, collections, or inquiries as reported. They were not opened, made, or initiated by me. All are the result of identity theft and fraud. 

I have attached the following documentation as evidence : A copy of the consumer XXXX credit report maintained by you showing the fraudulent items. 
A copy of the FTC Identity Theft Criminal Complaint ( FTC Report Number : XXXX ) confirming that these items are the result of identity theft and fraud.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Ive attempted to send a digital dispute to Experian regarding the myriad of inaccuracies on my credit report including my name and address history their are several variations of both which are negatively affecting my credit worthiness. Experian 's website does not allow me to select the proper reasons for a dispute or to dispute the information they are holding as valid, this information is unverified per the FAIR CREDIT REPORTING ACT and I demand verifiable proof that these account details are verified.

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 2024-12-31 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 have unauthorized inquiries on my credit report : My personal information has been compromised : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Ive tried multiple times to delete things off my credit. I was a victim of identity fraud! I would like to have all the items I disputed off my credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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:
I recently reviewed a copy of my report and noticed ai had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
TD Retail Card Services initiated a hard inquiry to my credit report on XX/XX/XXXX when a fraudster tried to apply for a retail credit card. TD Retail Card Services conducted the hard inquiry despite the fact that I had a fraud alert on my credit reports. I was alerted to this hard inquiry through credit monitoring on XX/XX/XXXX and I called TD Card Services after several failed attempts XX/XX/XXXX and XX/XX/XXXX to speak to a human being to alert them to the fraud. They confirmed which store credit card it was ( XXXX XXXX  ) and that no credit card had been issued to the fraudster.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
I'm a victim of identity theftI. I submitted a dispute along with FTC report XXXXXXXX XXXX XXXX  continue to report this fraudulent account on 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 non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Progrexion Holdings, Inc.
State: TX

Complaint narrative:
Some years ago, I used XXXX XXXX  and creditrepair.com to fix my credit but to no avail. I paid for services that weren't provided to me in an attempt to repair my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint regarding a dispute I submitted on XX/XX/year>, for Affirm XXXX ( Account # XXXX ) under Report # XXXX. XXXX completed their investigation on XX/XX/year>, but failed to provide me with the information I am entitled to under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I requested a description of the procedures used to determine the accuracy and completeness of the information I disputed. Under XXXX5 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to this information, including details on who XXXX contacted or interviewed during their investigation. However, despite my request, XXXX has not provided this information. 

This lack of transparency and failure to comply with federal law has left me unable to verify the accuracy of the investigation 's results. I respectfully ask the CFPB to assist in ensuring XXXX provides the required procedural details promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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:
I would like these account to be remove so my credit remove can update accurately ACCOUNTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Finance ) Information reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the 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 can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.

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 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 and 15 USC 1681s-2, I am disputing the accuracy of the information reported regarding the following account. I request immediate correction or deletion of the inaccurate information. Additionally, I demand that you cease and desist from all forms of communication with me, including phone calls, emails, and letters, in accordance with 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Below are the details of my dispute : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Discrepancy : This account is reported as a collection with a balance of {$440.00} and an original balance of {$380.00}. The date of the first delinquency ( XX/XX/XXXX ) and last payment details are inconsistent or absent. Payment history reflects ongoing collections inaccurately.

FCRA Violation : Per 15 USC 1681s-2 ( a ) ( 1 ) ( A ), furnishers must report accurate information. The failure to provide accurate dates and payment history misrepresents the accounts status, violating the FCRAs mandate to ensure maximum possible accuracy. 
FDCPA Violation : Cease and desist all communications in accordance with 15 USC 1692c ( c ). 
Relevant Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the importance of accuracy in credit reporting and the responsibility of furnishers to correct inaccuracies. 

FDCPA Violation : Cease and desist all communications in accordance with 15 USC 1692c ( c ). 
Relevant Case Law : In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the furnishers duty to investigate and correct inaccurate information.

Request for Action I request the following actions : Conduct a thorough investigation into the inaccuracies outlined above.

Provide me with a corrected report and written confirmation of the resolution. 
If you find the information to be accurate, provide me with a detailed explanation and evidence supporting this conclusion. 
Failure to correct this information will compel me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to enforce my rights under the FCRA and FDCPA. 
Please confirm receipt of this dispute within five ( 5 ) business days and complete the investigation within the 30-day timeframe as stipulated under 15 USC 1681i .

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Stemming from complaint ID XXXX. Company did NOT address the issue at hand with ACCESSING MY CREDIT REPORT. NOT the CUSTOMER SERVICE CENTER. It is two separate items.

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 2024-12-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My information was leaked in multiple data breaches without my knowledge or permission, I have account charged off and closed that I dont recognize and I have late payments that I dont recognize on my credit report and I would like all of these negative items removed from my credit 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
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am submitting this complaint directly, without any third party involvement. I have attached letters to provide further details about the information being reported on my credit report. I have never had a contractual relationship with XXXX, and I believe that the original creditor, XXXX XXXX, sold my account without proper notification. This is a clear violation of FCRA Section 611 due to the inaccurate reporting on my credit report. I request that this account be deleted immediately due to the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: MO

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 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I contacted Apple Card XXXX on XX/XX/XXXX to proactively discuss their financial hardship programs as I was currently going through a divorce and had a significant increase in monthly bills and decrease in monthly income. I was interested in obtaining a more affordable monthly payment without negative implications to my credit score. I spoke to an agent that discussed their 0 % payment program where my card would be closed for further use and the first XXXX payments would be scheduled on the XXXX of each month. 
I was assured that payments would be scheduled in the amount of {$67.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my XXXX checking account I provided. After the XX/XX/XXXX payment completed, I would be responsible for making the rest of the payments manually through the wallet app on my iphone. 

In XXXX : * The first payment of {$67.00} came out automatically on the XXXX. 
* I made an additional payment on XX/XX/XXXX of {$100.00}. 

In XXXX : *No payment was made and did not automatically come out as I was informed. 

XXXX XXXX : I noticed negative credit bureau reporting and contacted Apple Card to dispute. They submitted a case and informed me that a XXXX would follow up with me. I did not hear from XXXX. The Apple Card XXXX did ensure payments would automatically come out in XXXX and XXXX on the XXXX. 

In XXXX : Payment in the amount of XXXX was made on the XXXX. 
I contacted Apple Card several more times to dispute the late payments on my credit bureau and account status being brought back current. The Apple Card specialists submitted a case on my behalf. I missed a call from the XXXX and attempted to call them back the same day and was unable to directly reach them regarding my complaints. 

In XXXX : I filed a credit bureau dispute and Apple Card sent back a message stating " invalid date '' and did not adequately look into my issue. 

In XXXX : Payment in the amount of XXXX was made on XX/XX/XXXX. 

In XXXX : I spoke to several collections ' agents at Apple Card about the missed payment and all of them filed a case. I currently have no resolution, and my credit report has had negative remarks since XXXX. 

I've never been late with a creditor before in my life and was genuinely going through a rough patch. I was proactive in communicating with Apple Card to find a resolution that did not hurt my credit but also show that I was making good faith in paying back my balance. 

I'm asking that all negative remarks be removed from my credit report and my account status be labeled as current. Apple Card XXXX has done a horrible job in helping their clients with disputes and furthermore should be considered predatory.

Company response to consumer: Closed with explanation