vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: UT

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: CA

Complaint narrative:
A letter was sent over on XX/XX/year>, XX/XX/year> and XX/XX/year> for the credit bureau to investigate inquiries that were not authorize by me but are showing on my credit report. The credit bureau did not do their investigation with in the time frame needed or send any correspondence to me proving any proof. I requested these inquiries to be deleted from my credit and 60 days have pass with out a response.

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 2024-11-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
A letter was sent over on XX/XX/year>, XX/XX/year> and XX/XX/year> for the credit bureau to investigate inquiries that were not authorize by me but are showing on my credit report. The credit bureau did not do their investigation with in the time frame needed or send any correspondence to me proving any proof. I requested these inquiries to be deleted from my credit and 60 days have pass with out a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
Dear credit bureau, I am contacting you regarding complaint # XXXX. I asked that you all send itemized receipts and proof of investigation and I have not received. Please advise a data furnisher is not a complete investigation. Please advise the 30 day window is complete, which means that legally you have to delete the reporting of XXXX XXXX. I am disgruntled and demand the reporting be removed immediately as it is a violation of my FCRA rights. Please remove the account belowXXXX 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are accounts on my credit report that are presently connected to ongoing litigation. As these cases are still pending, their current inclusion on my report is unfairly affecting my credit score.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: IL

Complaint narrative:
I submitted disputes to XXXX regarding multiple inaccuracies on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ). These disputes pertain to the following : XXXX. XXXX XXXX : Late payments inaccurately reported in XX/XX/year> ( 30 days late ) and XX/XX/year> ( 60 days late ). 
XXXX. XXXX XXXXXXXX XXXX XXXX : A XXXX late payment in XX/XX/year> before the account was closed. 
XXXX XXXX : A XXXX late payment in XX/XX/year> before the account was closed. 
XXXX. XXXX XXXX XXXX ( XXXX Account ) : A {$450.00} debt attributed to XXXX that lacks proper validation. 
XXXX. XXXX XXXX ( Collection Account ) : A {$3300.00} debt attributed to Miracle Mile, which I dispute as inaccurate. 
I requested that XXXX investigate these items and verify their accuracy under FCRA 611. I also requested that they provide information on how the accuracy was verified under FCRA 609. 
XXXX failed to adequately address these disputes or provide supporting documentation. As required by FCRA, inaccurate or unverifiable information must be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: IL

Complaint narrative:
I submitted disputes to Experian regarding multiple inaccuracies on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ). These disputes pertain to the following : XXXX. XXXX XXXX : Late payments inaccurately reported in XX/XX/year> ( 30 days late ) and XX/XX/year> ( 60 days late ). 
XXXX. XXXX XXXX XXXXk SS : A XXXX late payment in XX/XX/year> before the account was closed. 
XXXX. XXXX : A XXXX late payment in XX/XX/year> before the account was closed. 
XXXX. XXXX XXXX XXXX ( XXXX Account ) : A {$450.00} debt attributed to XXXX that lacks proper validation. 
XXXX. XXXX XXXX ( Collection Account ) : A {$3300.00} debt attributed to XXXX XXXX  which I dispute as inaccurate. 
I requested that Experian investigate these items and verify their accuracy under FCRA 611. I also requested that they provide information on how the accuracy was verified under FCRA 609.

Experian failed to adequately address these disputes or provide supporting documentation. As required by FCRA, inaccurate or unverifiable information must be corrected or 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 explanation
Consumer complaint received 2024-11-25 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:
I am writing to inform you that I am a victim of a data breach, and as a result, unauthorized accounts have been added to my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$10000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$880.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$22000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$3000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$30000.00} XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$2200.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00}

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 non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For several years I have attempted to manage the fraud alerts via " TransUnion Service Center '' their self service portal. I am able to login to place freeze, lift my freeze, pull credit report but unable to add or remove any fraud alerts directly with TransUnion. Over the years and again today XX/XX/year>, I have attempted via phone and online chat to resolve the issues with their self service portal. All I get is " there is an issue we are aware of '' Please call XXXX to manage. None of the agents want to open a case to investigate and get my issue resolved. If this feature is not going to be supported then it should be removed from their website and not advertised.

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 2024-11-25 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: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-11-26 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: GA

Complaint narrative:
This is the second time I've written this complaint, so please excuse me. Last month, I disputed certain accounts with your organization. Despite my best efforts, I am still seeing questionable accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as such, I request that the following accounts be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were fraudulently included as a result of the breach, and I am exercising my right to have them removed. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$17000.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} Additionally, I am requesting that the following fraudulent inquiry be blocked and deleted : Inquiry to be Blocked and Deleted : XXXX  O Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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 notify you that I am a victim of a data breach, and as such, I request that the following accounts be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were fraudulently included as a result of the breach, and I am exercising my right to have them removed. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. Chapter XXXX Bankruptcy XXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$17000.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} Additionally, I am requesting that the following fraudulent inquiry be blocked and deleted : Inquiry to be Blocked and Deleted : XXXX  O Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AZ

Complaint narrative:
In XXXX I sent documentation to Cash App showing I was married. My ID is a XXXX ID from the state of XXXX. I sent a certified copy of my marriage license. As a veteran, which is on my ID, it is appalling to be treated this way. I sent the same documents today. Those XXXX pieces of ID were accepted at the bank and life insurance company. What is wrong with Cash App? I really believe they are doing this because I am a XXXX woman.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
I am a victim of identity theft. 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. 




XXXX XXXX  Account Number : 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 2024-11-25 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: OH

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-11-25 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: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I received an alert on XX/XX/XXXX that a new account was added to my XXXX credit report. The company name is CURRENT XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX and they reported that a secured credit card was opened on XX/XX/year>. I did not apply for any credit with this company. I disputed this account with XXXX on XX/XX/year> and again on XX/XX/year>. XXXX saw that I did not lift a credit freeze on XX/XX/year> and said they will escalate this dispute. I did not lift a credit freeze on any of the XXXX credit bureaus and apply for any credit on XX/XX/year>. I was given a file number and told to follow up with this complaint. This account was placed on my credit report fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: Leafy Financial, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. I am filing this FTC to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identify theft and fraud. These fraudulent accounts consist of a personal loan account opened at XXXX XXXX on XXXX XXXX sold by XXXX XXXX XXXX under the account number ( private ), an personal bank loan account opened at XXXX XXXX on XXXX XXXX sold by XXXX XXXX XXXX under the account number ( private ), a personal credit loan account opened at XXXX XXXX XXXX via XXXX XXXX on XXXX XXXX under the account number ( private ). a personal bank loan account opened at XXXX XXXX XXXX via XXXX XXXX on XXXX XXXX under the account number ( private ) and a personal loan account opened at Leafy Financial LLC on XX/XX/2023 under the account number ( private ). 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 debt collections 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NC

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-25 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: NY

Complaint narrative:
Its incredibly concerning to see such an obvious and harmful error on my credit report. The account in question is either not mine or is completely inaccurate, and its unfairly dragging down my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: MI

Complaint narrative:
I recently received a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

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