vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

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 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 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies and unauthorized accounts on my credit report section, which I believe is inaccurate. Accounts : ( XXXX XXXX XXXX ) XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX. I am requesting your assistance in investigating and correcting this information.I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt or delete these negative accounts off the consumer credit report.According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-26 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: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies and unauthorized accounts on my credit report section, which I believe is inaccurate. Accounts : ( XXXX XXXX XXXX ) XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX. I am requesting your assistance in investigating and correcting this information.I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt or delete these negative accounts off the consumer credit report.According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: LA

Complaint narrative:
XXXX years ago, the bank card was stolen and I called Cash app requested that account to be closed and to open a new one. there's a whole conversation, received a new account and a new card and due to other errors my school deposited my refund money to my old cash app account which should've been closed so it would've and I would've been able to fix it. Instead, Cash app left the account open and refuses to give me access to it since I can't give them a stolen debit card number. In the meantime I'm getting kicked out of school because I can't pay the bill due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, Equifax, and XXXX. Please delete the following accounts and ANY and ALL inquires associated with the accounts. The accounts are XXXX with a bal. of {$19000.00}, XXXX XXXX Bank with a bal. of {$2200.00}, XXXX XXXX with a bal. of {$450.00}, XXXX with a bal. of {$1100.00}, XXXX XXXX with a bal. of {$240.00}, XXXX XXXX  XXXX with a bal. of {$260.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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, are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, and Experian. Please delete the following accounts and ANY and ALL inquires associated with the accounts. The accounts are XXXX with a bal. of {$19000.00}, XXXX XXXXXXXX XXXX with a bal. of {$2200.00}, XXXX XXXX with a bal. of {$450.00}, XXXX with a bal. of {$1100.00}, XXXX XXXX with a bal. of {$240.00}, XXXX AND XXXX with a bal. of {$260.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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, are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

I have made previous attempts to fix this issue directly with them and They are violating my rights. I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP. Delete ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: MD

Complaint narrative:
Incorrect Names and Addresses on Credit Report XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD, XXXX I am submitting this complaint to address the reporting of inaccurate personal information, including incorrect names and addresses, on my credit report. Specifically, any name that does not exactly match XXXX XXXX and any address other than XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD, XXXX is incorrect and must be removed immediately to ensure accurate reporting. 

Applicable Consumer Laws Violated : 1. Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) : This law entitles me to a credit report that contains only accurate information about my identity. Including incorrect names or addresses on my report violates my right to clear and correct reporting.

2. FCRA, Section 611 ( a ) : I have the right to dispute inaccurate or incomplete information, and the credit reporting agency is obligated to investigate my dispute, correct or delete inaccurate entries within 30 days, and notify me of the result.

3. FCRA, Section 604 ( c ) ( 1 ) ( B ) : This section mandates that credit reporting agencies must take steps to prevent the misidentification of individuals, which includes ensuring that incorrect names and addresses do not remain on my report.

4. Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 10 ) : Misrepresentation of my identity with incorrect names and addresses may mislead third parties about my creditworthiness and could amount to deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: MD

Complaint narrative:
Incorrect Names and Addresses on Credit Report XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD, XXXX I am submitting this complaint to address the reporting of inaccurate personal information, including incorrect names and addresses, on my credit report. Specifically, any name that does not exactly match XXXX XXXX and any address other than XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD, XXXX is incorrect and must be removed immediately to ensure accurate reporting. 

Applicable Consumer Laws Violated : 1. Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) : This law entitles me to a credit report that contains only accurate information about my identity. Including incorrect names or addresses on my report violates my right to clear and correct reporting.

2. FCRA, Section 611 ( a ) : I have the right to dispute inaccurate or incomplete information, and the credit reporting agency is obligated to investigate my dispute, correct or delete inaccurate entries within 30 days, and notify me of the result.

3. FCRA, Section 604 ( c ) ( 1 ) ( B ) : This section mandates that credit reporting agencies must take steps to prevent the misidentification of individuals, which includes ensuring that incorrect names and addresses do not remain on my report.

4. Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 10 ) : Misrepresentation of my identity with incorrect names and addresses may mislead third parties about my creditworthiness and could amount to deceptive practices.

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 2024-10-26 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: MD

Complaint narrative:
Account Name : XXXX XXXX Account # : XXXX I am writing to formally dispute an inaccurate charge-off entry on my credit report. This error violates both federal regulations under 12 CFR 1026.11 and my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer laws. I request that Equifax take immediate action to delete this inaccurate charge-off entry from my credit report.

Consumer Laws Violated : 1. 12 CFR 1026.11 ( Credit Reporting Accuracy and Integrity ) : According to this regulation, consumer reporting agencies must ensure that all information furnished is accurate, complete, and up to date. The continued presence of this incorrect charge-off, which does not reflect my true credit status, demonstrates a lack of accuracy and integrity in reporting. 
2. Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) : This section entitles me to have accurate and complete information on my credit report. The presence of a charge-off that is inaccurate is a violation of this right, as it misrepresents my creditworthiness to lenders.

3. FCRA Section 611 ( a ) ( 1 ) ( A ) : Under this section, Equifax is obligated to investigate and correct or delete any information that is found to be inaccurate or unverifiable. Failure to delete this charge-off is a breach of this duty.

4. Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 10 ) : Any representation of incorrect information, including an inaccurate charge-off, misleads and can deceive potential creditors regarding my true financial position. 

Equifax also does not have an account number listed this is a violation of FCRA. How are you able to validate or verify account information when you dont have an account # to match to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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:
Iam writing to formally dispute and request the immediate removal of several fraudulent accounts and inquiries that have appeared on my credit report as a direct result of identity theft stemming from the Equifax data breach of XXXX. As a victim of this breach, I am entitled to protections under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. The fraudulent accounts listed below were opened without my knowledge or consent and must be permanently removed and blocked from my report. 
The following accounts must be removed immediately : Account Name : RocketLoans Account Number : XXXX Date of Adverse Information : XX/XX/XXXX Reason2.for Dispute : Identity theft related to the Equifax data breach. Account Name : Department of Education Account Number : Not Listed Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft related to the Equifax data breach. 3. 
Account Name : Department of Education Account Number : Not Listed Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft related to the Equifax data breach. 
Additionally, the following inquiries must be removed, as they were unauthorized and related to identity theft : 1. 
Inquiry Name : XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft related to the Equifax data breach. 2. Inquiry Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft related to the Equifax data breach. 3. Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft related to the Equifax data breach. Date of Inquir Inquiry Name : XXXX XXXX  XXXX : XX/XX/XXXX Reason for Dispute : Identity theft related to the Equifax data breach. 

Ihave also provided a letter of proof that Iwas impacted by the XXXX Equifax data breach, which Iobtained from the Equifax Data Breach Settlement website. Additionally, Ihave included documentation showing that XXXX has already investigated and removed the fraudulent accounts and inquiries from my credit report. Please find this documentation enclosed for your reference. 
In further support of my claim, Ihave provided the following documents : Acopy of the FTC Identity Theft Report ( FTC Report # XXXX ). 
A notarized Affidavit of Identity. 
Proof of identity and address, including a government-issued DI and a utility bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccurate information reported on my credit report by carmax auto finance The information reported by this creditor is inaccurate, and I am requesting that the account be removed from my credit report. 

Carmax auto finance is reporting different balances to all three credit bureaus. I have dispute of the account multiple times to ensure the account balance is accurate information keeps getting denied and verified as accurate. 

I have attached copies of my credit report with the incorrect entries highlighted, as well as any relevant supporting documentation. These documents should clearly demonstrate the discrepancies and support my request for correction. Additionally, I have previously contacted carmax auto finance directly regarding this matter, but the issue has not been resolved. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that thisaccount is removed from my credit report entirely. The continued presence of this incorrect information is unfairly damaging my credit score and affecting my ability to secure future financial opportunities. 

Please let me know if you require any additional information or documentation from my side to assist in the resolution of this issue. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX To whom it may concern, On day XX/XX/XXXX, I looked at my report, I sent a letter to Trans Union on XXXX XX/XX/XXXX, asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and here is my tracking number ; XXXX on day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same, and according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) in general If, after any reinvestigation under paragraph ( 1 ) 0f any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer EXPERIAN .

And according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors.

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
XXXX really did not reinvestigate. They lied on an official document saying they did something they did not do and I have evidence to prove my case.

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