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

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX XXXX XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX XXXX. Account number : XXXX XXXX. XXXX XXXX XXXX. Account number XXXX XXXX. XXXX XXXX XXXX. Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX Also Known As : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXXXXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$680.00}

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

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX Employers : EMPLOYED Employers : XXXX XXXX : XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$0.00} Late Payment : XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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 2024-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
Law 15 usc 1692 ( c ) states If a consumer notifies a debt collector that the consumer refuses to pay a debt or the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt

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

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX Employers : EMPLOYED Employers : XXXX XXXX : XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$0.00} Late Payment : XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX  XXXX 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  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX : account name : 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 2024-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am reaching out to report a fraudulent account, as directed by both XXXX and the FTC. 

XXXX reviewed my case and confirmed the issue on XX/XX/XXXX  under Report No. XXXX. They advised me to report this identity theft case to the FTC, which I did, and I was then directed to submit this report to the Consumer Financial Protection Bureau to resolve the matter. 

Here are the account details provided by XXXX : Company : XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Original Creditor : XXXX XXXX XXXX  Balance : {$3100.00} ( Updated : XX/XX/2024 ) Original Balance : {$3100.00} Account Information : Date Opened : XX/XX/2024 Account Type : Collection Status : Collection account - {$3100.00} ( Status updated : XX/XX/2024 ) Please review this report and take necessary actions to address this case. I am providing all available information to facilitate a thorough review. 

Thank you for your assistance.

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

Complaint narrative:
I am writing to inform you that I am a victim of identity theft as a result of a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit report. 
The following accounts were fraudulently opened in my name : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} In addition, I am requesting the deletion of the following unauthorized credit inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: IL

Complaint narrative:
I found a dispute with checker to ask them to re-run the report because there had been some recent change. I also sent proof and a statement of those recent changes and when the report was reran, they proceeded to report the inaccurate non-updated information in the background check which is keeping me from working numerous jobs in the healthcare field, I emailed them to their accuracy. I also spoke to them over the phone. They refused to let me speak to a supervisor so now I am taking it to the next level. I also requested the information that took place in the reinvestigation procedure and I have not received that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
I am writing to inform you that I am a victim of identity theft due to a data breach. As such, I am requesting the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ). 
The following account is fraudulent and should be removed from my credit file : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Additionally, I request the deletion of the following unauthorized credit inquiries : XXXX XXXX  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 XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - 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 2024-11-11 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: DISCOVER BANK
State: OK

Complaint narrative:
XXXX during my recorded conversation with the Discover agent, I made payment Confirmation Number XXXX Amount {$1400.00} to clear my due payment XXXX. 

After this payment was set up and confirmed. The agent then suggested I reroll in XXXX XXXX. Now after months of fighting with Discover over a 30 day late, this would be the single reason Discover does not process my payment. Because I enrolled in XXXX XXXX over the phone with an agent. 

How is my fault? How did the agent on the phone not have the correct information. Now with all the information and letters collected, had I simply said no, my payment would have been processed without. 

Why does Discover not ever reference Confirmation Number XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I had an account with Money Network based out of XXXX Georgia. I requested a new debit card sent to me. It took over three weeks to arrive, and when I called to activate it on XX/XX/XXXX, I was told by customer service that the account had been closed because of " suspicious activity '' and that a check had been sent to my mailing address on XX/XX/XXXX, the day *before* I called. The check did not arrive within 10 days, and so I called back on XX/XX/XXXX, and was told that it takes 10-14 " business days. '' That's not how the mail works. If the check was mailed on the XXXX, it's now in the postal system. I waited until XX/XX/XXXX, as XX/XX/XXXX was the 14th business day and XX/XX/XXXX was a Saturday, a mail delivery day. No check. I called the morning of XX/XX/XXXX and was *now* told that the check wasn't even requested until the XXXX, so I was lied to about the date the check went out. I then escalated the call two steps to whoever the supervisor 's supervisor was. That woman now told me that the 14th business day isn't until Wednesday the XXXX of XXXX. That is 23 days after the check was supposedly ordered, and 16 business days later. So I was lied to again. 

Timeline of events : XX/XX/XXXX : told account was closed, check had been mailed the day before on the XXXX. Was given no evidence the check had actually been mailed. 

XX/XX/XXXX : told check would take 10-14 business days to arrive. 

XX/XX/XXXX : told check would arrive by Monday. Check did not arrive. 

XX/XX/XXXX : Told check was not requested until the XXXX ( I never requested anything other than a new Debit Card ) and not sent until the XXXX. XXXX then told me that they can not authorize an electronic payment to me because my account had been " compromised '' and that I must wait for the check to arrive. Now told that the 14th business day is the XXXX of XXXX, which is not 14 business days after the XXXX, when they claim the account was closed. 

I have been either lied to over and over, or been the victim of negligence. 

The Money Network claims to be operating out of : XXXX XXXX XXXX, XXXX, GA 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 2024-11-11 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:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-11-11 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: LA

Complaint narrative:
Around XX/XX/year>, my personal computer was hacked, I recently decided to pull my credit reports and noticed some one opened several new credit accounts using my name, social security, or other identifying information. I have no idea who may of used my personal information or how this information was obtained. I have disputed several and was successful in getting some of them removed. They reinserted the accounts without any notification. I have provided them a copy of the police report and FTC 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 non-monetary relief
Consumer complaint received 2024-11-11 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: LA

Complaint narrative:
Around XX/XX/year>, my personal computer was hacked, I recently decided to pull my credit reports and noticed some one opened several new credit accounts using my name, social security, or other identifying information. I have no idea who may of used my personal information or how this information was obtained. I have disputed several and was successful in getting some of them removed. They reinserted the accounts without any notification. I have provided them a copy of the police report and FTC complaint.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Florida, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Request for Update of Personal Information and Deletion of Incorrect Data Dear Sir/Madam, I am writing to request an update to my personal information on my credit report and to ask that any information that no longer matches my updated details be deleted. The information currently reported may be outdated or incorrect, and I want to ensure that my credit report accurately reflects my current personal details. 

Current Information on File ( as per my credit report ) : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX 
Date of Birth : XX/XX/XXXX Social Security Number ( last four digits ) : XXXX Updated Information : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, Fl, XXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX Please update my credit file to reflect the correct personal information. Additionally, I request that any outdated or incorrect information that does not match the updated details be removed from my credit report. If there are any discrepancies, I expect that they will be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

If you require any additional documentation or have questions, I am happy to provide further information. Please notify me of any actions taken and provide me with a copy of my updated credit report once the changes have been made. 

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

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief