vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request that the accounts and inquiries listed below be blocked and permanently deleted from my credit report. I have been a victim of a data breach, and my personal information was used to create unauthorized accounts and inquiries without my consent. 
Under 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am entitled to have these fraudulent accounts and inquiries blocked and removed from my credit file. 
XXXX 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 XXXXXX/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 2024-11-16 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 a victim of a data breach that has resulted in unauthorized accounts and inquiries being reported under my name. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I formally request that the following accounts and inquiries be blocked and removed from my credit report immediately. 
Accounts to Be Blocked and Deleted : XXXX  - XXXX - XX/XX/year> - $ XXXX XXXX XXXX  XXXX  - XXXX - XX/XX/year> - $ XXXX XXXX  XXXX XXXX  XXXX  - XXXX - XX/XX/year> - $ XXXX Inquiries to Be Blocked and Deleted : XXXX  XXXX XXXX  XXXX  - XX/XX/year> XXXX/XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  XXXX XXXX/XXXX  - XX/XX/year> XXXX  XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX  XXXX  XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX  XXXX  - XX/XX/year> XXXX  XXXX XXXX  XXXX  - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$140.00} XXXX  - XXXX - XX/XX/XXXX - {$100.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$60.00} INQUIRIES : XXXX/XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  DOD - 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 2024-11-16 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. These fraudulent accounts are being reported by a XXXX  party. 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
Consumer complaint received 2024-11-16 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 2024-11-16 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: CA

Complaint narrative:
I am writing to formally notify you that I have been a victim of a XXXX XXXX resulting in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), I am requesting that the following fraudulent account and inquiries be immediately blocked and deleted from my credit report : Account to Be Blocked and Deleted : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX Inquiries to Be Blocked and Deleted : XXXX BANK XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: NY

Complaint narrative:
I have contacted the company multiple times to request cunsumer report by mail. I provided all the necessary documentation and I was told it will be mailed to me, but it never came. Numerous customer service representatives have told me the same " It will be mailed '' but to this day I have not received my consumer report. 

I received a one page letter from Lexis Nexis dated XXXX XXXX  which contains a link. I tried to enter the link, but it does not function or allow me access to my consumer report. 
Consumer number XXXX Case number XXXX Lexis Nexis seems to be refusing to provide me with my credit report by mail. 
Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: CA

Complaint narrative:
I am writing to formally notify you that I have been a victim of a data breach, resulting in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), I am requesting that the following fraudulent account and inquiries be immediately blocked and deleted from my credit report : Account to Be Blocked and Deleted : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX Inquiries to Be Blocked and Deleted : XXXX BANK 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 2024-11-16 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: SC

Complaint narrative:
I AM A VICTIM OF XXXX XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA XXXX. I AM ALSO A VICTIM OF IDENTITY THEFT AND XXXX XXXX PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

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 2024-11-16 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 XXXXXX/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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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

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 2024-11-16 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: SC

Complaint narrative:
I AM A VICTIM OF XXXX XXXX PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA XXXX. I AM ALSO A VICTIM OF IDENTITY THEFT AND XXXX XXXX PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
On XX/XX/XXXX I got a notification from PayPal via email that over $ XXXX had been transferred from my bank account. I immediately contacted my XXXX XXXX and reported the fraud while also closing that account. My credit union began their own investigation. 

I then contacted PayPal and reported the situation to them. I believed that a hacker or thief had somehow acquired access to an older PayPal account that I no longer had access to. They said that they would look into it. I had also received a bill notice from PayPal working with Synchrony Bank saying that I owed almost $ XXXX. 




On XX/XX/XXXX I received a notification from XXXX that my XXXX XXXX had gone down over XXXX points. I immediately called Synchrony and explained the situation. They opened an official fraud claim and assured me that they would contact the credit bureau and have it removed. I received a claim number from Synchrony. 

I next disputed the credit with XXXX who began an investigation and froze my credit on all XXXX credit bureaus. 

Next I filed a police report with XXXX Police Department. 

In XXXX, I received word from both my credit union and XXXX that they have completed their investigation and found in my favor. My XXXX XXXX sent me my full amount back and XXXX removed the fraudulent credit debt. 

On XX/XX/XXXX, I received an email from Synchrony saying that they are denying my claim due to XXXX or more factors. I was obviously upset but their fraud department is closed during the weekend. The PayPal account in question was mine at one point but I no longer used it or had access. Synchrony also had an incorrect address on file.

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 2024-11-16 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: DE

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries appearing on my credit report. As a victim of a data breach, my personal information has been compromised and used to create unauthorized accounts and inquiries. 
Under 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am entitled to have fraudulent accounts and inquiries resulting from identity theft blocked and removed from my credit file. 
XXXX Accounts XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$3200.00} XXXX. XXXX XXXX XX/XX/XXXX {$3500.00} Unauthorized Inquiries XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX OF 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 non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that I was in fact paid on time. Please find attached letter from XXXX XXXX XXXXXXXX XXXX XXXXXXXX on my behalf informing XXXX and all concerned parties of the check being expressed mailed XX/XX/year> and then USPS mailed on XX/XX/year>, due to check originally be sent wrong XXXX address. The error was not mine. The consumer reporting agencies need to report all information with complete accuracy. This account is not currently late on payments and is paid off in full and closed. Ive attached a copy of my report to this complaint on the following dates ; XX/XX/year>. Im now requesting you investigate this account in update the payment to paid on time immediately. Thank you for your understanding and prompt action. 

I am now requesting proof of this current investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well and documentation that proves this account was late. If you can not provide me with this information in 15 days, update the account to PAID-IN-FULL/NOT CURRENTLY LATE/CLOSED, and send me a copy of my updated credit report. 

FAIR RESOLUTION Update the account to NOT LATE/PAID OFF or remove it from my Consumer Report. 

Here is the account I am asking to be verified for accuracy : Account Name : XXXX, Account Number : XXXX XXXX, Credit Bureau : Equifax ; Account Name : XXXX XXXX XXXX, Account Number : XXXXXXXX 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 2024-11-16 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: DE

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries appearing on my credit report. As a victim of a data breach, my personal information has been compromised and used to create unauthorized accounts and inquiries.

Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts and inquiries resulting from identity theft blocked and removed from my credit file.

Fraudulent 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: DE

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I needed a little help with my mortgage payment and called to ask them if I could defer XXXX of the payments to the back of the loan. I have done this before, where I only pay the interest and they were able to put that toward the back of my loan. I advised the rep at select portfolio mortgage company, that I didn't want to do this. If it was going to take a while or XXXX things up. He assured me that it wouldn't. They asked me to send in all my financial information which I did. They asked me to send in my pay stubs which I did. I let them know that my pay was going to be a little bit lower so it was going to be hard for me to make that payment for just that month. After getting the paperwork, select portfolio, drug their feed for so long, I kept having to call in and ask them by what the progress was. Every time I called they would ask for something completely different. At XXXX point, they had asked me to verify my savings account which had very little in it. After sending that response in, they asked for something else which was totally unrelated. After sending all this information in and waiting, I finally called them back because I hadn't heard anything. That it was not approved. This is after waiting almost a month and a half on their decision. This made my loan late and I had to play catch up to get it all caught up today. What makes this even more aggravating, is that by select portfolios, actions, all of my credit cards started dropping. XXXX, all of my credit cards said they were closing their accounts with me. I then had to scramble to get some of this debt paid and I had now lost access to any of those cards that I could have used to financially help my situation and pay basic bills. My credit score shot way down and I had lost XXXX cards in total due to select portfolios actions. It would be XXXX thing if I was just affected with my mortgage company, but their actions affect all of my other credit cards XXXX. Had select portfolio had gotten in touch with me by any means, and told me what the progress was, and not delayed or dragged it out like they did, I wouldn't have been behind and I could have made other choices. My select portfolio account has always been paid on time and this whole interaction with select portfolio was devastating, as it took so much of my time to keep calling back and keep faxing other information piece by piece to them. This kind of practice should never be allowed. I just couldn't understand why select portfolio couldn't have helped me for that XXXX month that I asked for. This XXXX action with select portfolio has devastated me financially as I had lost most of the cards I rely on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've been sending letters to Transunion since XX/XX/year> and my letters were questioning incomplete, inconsistent, and information that doesn't meet the credit reporting requirements. I even provided proof with copies of my credit reports while highlighting deviations. One situation that stands out is the bankruptcy that is being reported. I sent a letter dated XX/XX/year> showing how the title of the Bankruptcy court does not meet the credit reporting standard and Transunion sent a response letter claiming they verified the bankruptcy and instructed me to contact the data furnisher directly, being the bankruptcy court. However, I contacted the bankruptcy court and it confirmed it does not communicate in any way with third parties including credit bureaus. I also called XXXX XXXX and the representative stated the credit bureaus DO NOT have communication with them either. To summarize, when a person disputes something on their credit report, and ask for method of verification, the credit bureau is to provide the name and address ( at least ) to the person disputing, but Transunion provided the bankruptcy court as the party who " verified '' yet the bankruptcy court confirmed in writing that they do not verify anything with credit bureaus

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JP Morgan Chase Bank charged off my car and are still trying to collect payments. The Law states that once it reaches the charge off stage, the company needs to provide the customer with a 1099-C. This will be labeled as fraud by that company. 


XXXX XXXX XXXX charged off my account and still trying to collect payments which is fraud. The amount is {$230.00} and this needs to be removed from my consumer report asap. They need to provide a 1099-C also.

Company response to consumer: Closed with explanation