vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
My information was included in a data breach in 2019 by XXXX. Where my social security number and ID was compromised. There have been several account appearing on my credit that I did not open nor have I ever had a relationship with these entities. I would like these items removed from my credit report as they are becoming a hinderance. The accounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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:
My information was included in a data breach in 2019 by XXXX. Where my social security number and ID was compromised. There have been several account appearing on my credit that I did not open nor have I ever had a relationship with these entities. I would like these items removed from my credit report as they are becoming a hinderance. The accounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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 formally dispute the inclusion of a fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the Equifax data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has Violated my rights.

Details of the Fraudulent Account : Account Name : XXXX XXXX XXXX XXXX Date Opened : unknown As stipulated u

nder Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification. 2. Proof of my current address ( [ e.g., utility bill, bank statement ] ). 3. A copy of the FTC Identity Theft Report or police report documenting this incident. This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation. If you require additional information, I can be reached at [ XXXX XXXX XXXX ] or [ XXXX XXXX XXXX ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: NJ

Complaint narrative:
Subject : Request for Account Blocking and Deletion Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the inquiry listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file.

Please ensure that the following inquiry is blocked and deleted from my credit report : INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-24 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:
Subject : Request for Account Blocking and Deletion Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the inquiry listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file.

Please ensure that the following inquiry is blocked and deleted from my credit report : INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-24 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:
Subject : Request for Account Blocking and Deletion Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the inquiry listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file.

Please ensure that the following inquiry is blocked and deleted from my credit report : INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal TradePLEASE REMOVE THE FOLLOWING INQUIRIES ASAP : 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/year>

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 2024-12-24 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 am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile.

Specifically, I request the removal of the incorrect names and addresses : 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 I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth.

A recent utility bill confirming my current address.

A copy of my Social Security card verifying my SSN.

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report.

Update my credit profile with the correct details listed above.

Provide written confirmation of the corrections and supply an updated 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 2024-12-24 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:
My information was included in a data breach in 2019 by XXXX. Where my social security number and ID was compromised. There have been several account appearing on my credit that I did not open nor have I ever had a relationship with these entities. I would like these items removed from my credit report as they are becoming a hinderance. The accounts are as followed : XXXX XXXX {$1900.00}, XXXX  XXXX XXXX. These accounts have been removed from all of my credit reports except for Equifax. I would like these to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth.

A recent utility bill to verify my current address.

A copy of my Social Security card to confirm my SSN.

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 


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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN : XXXX XXXX : XX/XX/XXXX Experian 's National Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Experian XXXX XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Delete or fix the information on the account detail section. 
I am writing to formally dispute certain information reported by your company to the credit reporting agencies, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 5 U.S. Code 1681s-2.

I recently obtained a copy of my credit report and noticed that the following information appears to be inaccurate : I believe the information reported is incorrect because [ briefly explain why you believe the information is inaccurate, e.g., " I have consistently made my payments on time '' or " This account does not belong to me '' ].

In accordance with 1681s-2, I request that you investigate this matter and correct any inaccuracies. I
have attached supporting documentation, including [ list any documents you are including, such as payment records, correspondence, etc. ], to substantiate my claims.

Please provide me with a written response to my dispute within 30 days and inform me of the results of your investigation. If the information is found to be

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 2024-12-24 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: CA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX  XXXX XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX  XXXX. - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX  XXXX. - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX  XXXX. - XX/XX/year> - The following inquiry was not authorized and should not be 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Account is reporting incorrectly on my credit report I took all steps to fix it the account went into collections in XXXX and every month the same account hits my report as a collection my score dropped XXXX points since this have started its illegal and improper use of the fair reporting act the attachments below is the evidence that I have Ive tried disputing and nothing ever happens I would like this issue fixed immediately a collection account should only hit your report once. Please help me resolve this issue

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 2024-12-24 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: NY

Complaint narrative:
TransUnion failure to block XXXX XXXX XXXX accounts. This a lawful request. Thank you.

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 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CHERRY TECHNOLOGIES INC.
State: AZ

Complaint narrative:
I am writing to formally dispute the reporting of the following account on my credit report : Account Name : Cherry Tech Account Number : XXXX Balance : {$120.00} ( XXXX XXXX, {$100.00} ( XXXX XXXX, {$100.00} ( XXXX ) Credit Reporting Agencies Reporting the Issue : XXXX XXXX XXXX XXXX XXXX Account Status : Open, reported as derogatory. 
Discrepancies and Inaccuracies Identified Misclassification as Derogatory : The account is reported as derogatory despite payment history being consistently listed as " Current. '' No missed payments or delinquencies justify this classification, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ).

Inconsistent Balances Across Bureaus : XXXX reports a balance of {$120.00}, while XXXX and XXXX report {$100.00}. This discrepancy violates 15 U.S.C. 1681e ( b ), requiring furnishers to ensure accurate and consistent information. 
Failure to Validate Derogatory Status : No evidence or documentation has been provided to support the derogatory classification. 
Cease-and-Desist Communication Demand This letter also serves as a formal cease-and-desist notice under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Effective immediately : Prohibited Communication : Cease all communication with me through phone calls, emails, text messages, or any other medium.

Any further contact, except as permitted by law ( e.g., debt validation or termination notice ), will be considered harassment and a violation of federal law.

Violations of 15 U.S.C. 1692c ( a ) ( 1 ) : I have received communications at inconvenient times, including late-night calls and text messages, which disrupt my daily life. These actions are unlawful under 15 U.S.C. 1692c ( a ) ( 1 ).

Scope of Communication : Any future communication must only be in writing, and solely for legally permissible purposes, such as providing validation of the debt or notices of specific actions.

Demands Immediate Correction of Reporting Errors : Update the account status to remove the derogatory classification and ensure consistency across all credit bureaus.

Provide Validation of Debt : Send documentation of the original creditor, a detailed payment history, and evidence supporting the current classification.

Written Acknowledgment : Confirm in writing within 30 days that all communication has ceased and inaccuracies have been corrected. 
Consequences of Non-Compliance Failure to address these issues promptly will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory authorities. Legal action may also be pursued to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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 non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I am writing to formally lodge a complaint against my mortgage company regarding inaccurate reporting of my payment history to the credit bureaus, which has caused a significant drop in my XXXX XXXX ( XXXX points ). The issue began in XX/XX/year>, when I noticed a marked decline in my credit report due to a reported missed payment for XX/XX/year>. 

However, the payment for XX/XX/year> was made on XX/XX/year>, and I have documentation confirming that this payment was submitted and processed as intended. Upon reviewing the issue with my mortgage company, I was informed that the payment was applied to XX/XX/year>, despite my intention and expectation that it would be applied to XXXX. 

I have had numerous communications with my mortgage company over the past XXXX months. They have continuously provided conflicting information regarding the forbearance period I was approved for. The company claims that the forbearance was approved for XXXX, XXXX, and XX/XX/year>, which led to the payment being misapplied. However, I have the forbearance agreement that clearly shows approval for XXXX, XXXX, and XX/XX/year>, not XXXX. Also if the forbearance period was for XXXX XXXX and XXXX then there should not be a missed payment for XXXX. Despite submitting supporting documentation and filing multiple tickets, I have not received a satisfactory resolution. Unfortunately, my disputes have been denied, and I have received no meaningful assistance. 

The issue was escalated to a supervisor who, after reviewing my case, stated that there was nothing further he could do other than send an email to their credit team. This step has already been taken, and it resulted in another denial without any resolution. 

Given the circumstances, I am requesting that the CFPB assist in resolving this matter, as my attempts to work directly with the mortgage company have been unsuccessful. I am seeking that the mortgage company corrects the error on my credit report and ensures that my payment history is accurately reflected. 

Thank you for your attention to this matter. I look forward to your assistance.

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