vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 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 noticed my credit score dropping. When I checked my credit report I noticed fraudulent accounts where opened under my profile. This is affecting my ability to obtain credit and build a financial future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + My wallet and identity was stolen. I was apart of a major data breach connected to my employer. I didnt make any of these inquiries.

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 2024-09-01 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + My wallet and identity was stolen. I was apart of a major data breach connected to my employer. I didnt make any of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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 filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to request that Experian, the credit reporting agency, block information on my credit report that is the result of identity theft and fraud. This fraudulent, inaccurate, and false information includes : A personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX, with account number XXXX An account opened at XXXX XXXX XXXX on XX/XX/XXXX, with account number XXXX Collection accounts opened at XXXX XXXX on XX/XX/XXXX, with account numbers XXXX ( balance {$680.00} ) and XXXX ( balance {$510.00} ) These fraudulent accounts have led to several hard inquiries and collections that are also fraudulent. I have attached a list of these hard inquiries and a copy of my consumer FICO credit report from Experian that shows these fraudulent items. 

I do not recognize these accounts, collections, or hard inquiries. I did not open, make, or initiate these accounts, collections, or hard inquiries. They are all the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint from the U.S. Federal Trade Commission as proof that these accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that Experian block this fraudulent information within 4 business days of receiving this complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance to the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidently under 15 USC 1681.

Account name : XXXX has reported an alleged debt associated with account # XXXX with XXXX, XXXX XXXX XXXX with the Account # XXXX, & XXXX which can not be XXXX different # 's over XXXX ago wrong dates and amounts inaccurate data regarding the entire banks attempt to abuse a XXXX person. 

XXXX XXXX XXXX whom i have no legal obligation to has violated my rights. 

15 USC 1681 Section A. States i have the right to privacy.

15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Sections states no consumer reporting agency may make any consumer report containing any of the following items of, any other adverse item of information, other than records of convictions of crimes which antedates the report by more seven years.

15 USC 1681 ( A ) ( 1 ) A person shall not furnish any information relating to any reporting agency if the person has reasonable cause to believe or know that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: NJ

Complaint narrative:
UPON REVIEWING MY CREDIT REPORT I NOTICE ACCOUNTS THAT WERENT MINE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: NJ

Complaint narrative:
UPON REVIEWING MY CREDIT REPORT I NOTICE ACCOUNTS THAT WERENT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: VA

Complaint narrative:
While doing my research on how I came across how to raise my score and remove negative inquires, I was able to get to know laws that are supposed to protect consumers. 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. Account name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : 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,, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 6802, I did not receive the required opt-out notice at the time I created the account that is being reported. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2024-09-01 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:
Complaint Facts Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX, XXXX Texas XXXX Consumer Social Security Number : XXXX Consumer Date-of-Birth : XXXX 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following identified accounts ; XXXX XXXX XXXX, Account number private, Balance {$500.00}, Date opened XX/XX/XXXX XXXX XXXX XXXX, Account number private, Balance {$8500.00}, Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have also provided Proof Of Identity as well as Proof of Residence documents for your review and confirmation of my identity.

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 2024-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I have an FFELP consolidated loan with AES since XXXX, I received an email from the department of education on XX/XX/XXXX, that has determined that the loan I received to attend a school owned and operated by XXXX XXXX XXXX are eligible for full loan discharge, and that I do not have to make any more payments on the loan, nor do I have to take any further action to receive discharge. Since then Ive been trying to get this straightened out between AES and DOE to get this solved, and its been going on for about XXXX years now. The XXXX and DOE want me to apply for a borrowers defense application in order for my loan to be put on exceptional discretionary forbearance, not administrative forbearance. AES is still waiting for the DOE instructions for a discharge and still havent heard anything from anyone. I wanted to know when my FFELP consolidated loan with AES is going to get XXXX. Which group discharge does my loan fall under. And is there any issue with the process that I need to be aware of?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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:
Complaint Facts Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX, XXXX Texas XXXX Consumer Social Security Number : XXXX Consumer Date-of-Birth : XXXX 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following identified accounts ; XXXX XXXX XXXX, Account number private, Balance {$3300.00}, Date opened XX/XX/XXXX XXXX XXXX, Account number private, Balance {$960.00}, Date opened XX/XX/XXXX XXXX XXXX  XXXX, Account number private, Balance {$860.00}, XXXX opened XX/XX/XXXX XXXX Account number private, Balance {$34000.00}, Date opened XX/XX/XXXX XXXX XXXX XXXX, Account number private, Balance {$1200.00}, Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have also provided Proof Of Identity as well as Proof of Residence documents for your review and confirmation of my identity.

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 2024-09-01 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: NC

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft, leading to the inclusion of multiple fraudulent entries on my credit report without my knowledge or consent. XXXX Unauthorized accounts and XXXX inquiries have appeared on my report, none of which I approved. 

- Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - Inquiries : - XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this identity theft and now request the immediate removal of these fraudulent items to ensure the accuracy of 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 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY IS COMMITTING unfair debt collection practices by furnishing debts to my consumer report as a means of coercing me to pay an extension of credit, which is a direct violation of 18 U.S.C.894- Collection of an extension of credit by extortionate means. They have taken adverse action against me with forethought and malice, by furnishing inaccurate and knowingly false collections to my consumer report without my lawful authority. This adverse action defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), has negatively impacted my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade, pursuant to 15 U.S.C.1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy clear that causing a restraint of trade, pursuant to 15 U.S.C.1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct disclosure of my nonpublic information in accordance to 15 U.S.C. 6801 ( a ) of the Gramm Leach Bliley Financial Protection Act has been violated. I declare under penalty and perjury that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by State & Federal Law to file. I also understand that knowing and willful statements or omission of material fact. They have also violated Georgia Revised Statue OCGA 16-9-121.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute to remove incorrect addresses to the XXXX bureaus and they refused to remove them I'm not associated with those address that are on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX and XXXX noticed this problem on my credit report on XX/XX/year>. Please remove it from my credit report as soon as possible. Im a victim of identity theft and these accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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:
Hello my name is XXXX XXXX XXXX and I noticed this problem on my credit report on XX/XX/year>. Please remove it from my credit report as soon as possible. Im a victim of identity theft and these accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, as provided by your bureau, and to express my concern over what I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the XXXX notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPNAY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Denying me access to my open-ended is unlawful and goes against congressional law, which makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e.Furthermore , pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open-ended consumer credit constitutes to discrimination. Pursuant 12 USC 1431 Powers and Duties of Banks and
Credit Unions have power to borrow money, issue bonds and debentures 12 USC 1431 15 USC 1602 15 USC 1637 15 USC 1640 15 USC 1681o 15 USC 1691e

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} Had no choice but to be admitted because of life or death situation. 

I refused help but was given it anyways Goodwill deletion. 

XXXX XXXX XXXX Goodwill deletion Affected due to Covid-19 as well as the motor went out

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 2024-09-01 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: LEXISNEXIS
State: TX

Complaint narrative:
XXXX is reporting a bankruptcy that they know can not be verified as accurate. LexisNexis the vendor that XXXX uses as already stated that they could not verify this information and have since deleted it from their database so how is XXXX verifying information that is not correct.

Company response to consumer: Closed with explanation