vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX  Opened XX/XX/XXXX balance of {$480.00}. XXXX XXXX Opened XX/XX/XXXX balance of {$480.00}. XXXX XXXX XX/XX/XXXX balance of {$780.00}. XXXX XXXX XXXX XXXX XXXXXXXX open XX/XX/XXXX balance of XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

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 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2024-12-17 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: CA

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 : ) 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 60 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 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 2024-12-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I was charged fees for credit repair from credit repair.com and also Lexington law for years with no results of services being rendered for fixing my credit. 

I have receipts that my credit never improved while being on the programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this report to document the unauthorized use of my personal information and identity, which has resulted in accounts being accessed, created, or reported to credit reporting agencies without my knowledge or consent. These activities violate my rights under federal laws, including the XXXX XXXX ( 15 U.S.C. 6802 ) and the Fair Credit Reporting Act

( 15 U.S.C. 1681b ). Upon reviewing my credit report, I discovered multiple accounts that I
did not authorize, or permit to be reported. These accounts are fraudulent and represent misuse of my personal information. 
Incident Details 1. XXXX XXXX XXXX Account Type : Factoring Company Account Original Creditor XXXX XXXX Amount Due : {$690.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Type : Factoring Companys Account Original Creditor : XXXX XXXX XXXX XXXX 
Amount Due : {$630.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Type : Collection Agency/Attorney Original Creditor XXXX XXXX XXXX High Balance : {$260.00} Amount Due : {$2300.00} Status : Placed for Collection Date Closed : XX/XX/XXXX Estimated Removal Date : XXXX/XXXX Nature of the Fraud These accounts were not authorized by me. I did not provide my consent for my personal information to be accessed, shared, or reported to any credit bureaus or third parties. 

The unauthorized reporting of these accounts constitutes identity theft and illegal use of my personal information, as prohibited under : 1. 15 U.S.C. 6802 ( XXXX XXXX ) Unauthorized sharing of personal information without explicit consent. 
2. 15 U.S.C. 1681b ( Fair Credit Reporting Act ) Lack of permissible purpose to access or report my data.

3. 15 U.S.C. 1681e ( b ) ( FCRA ) Requirement to ensure accuracy and verification of reported data.

Impact of Fraud The unauthorized accounts have : Negatively impacted my credit report and credit score. 
Resulted in financial harm and reputational risk. 

these accounts have damaged my creditworthiness and caused undue stress.and stoping me from becoming homeowner Action Requested I am requesting that this report officially document the unauthorized use of my identity and personal information. This report will be submitted to : Credit reporting agencies ( TransUnion, XXXX, and XXXX ) as evidence to remove these fraudulent accounts. 
Relevant federal agencies such as the FTC and CFPB, if necessary.

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 2024-12-17 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: IL

Complaint narrative:
i have unauthorized accounts and inquiries on my credit report that were not opened by me. 
unauthorized accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TN

Complaint narrative:
I am writing to formally dispute the validity of the information being reported to my credit by XXXX XXXX XXXX XXXX and Clarity XXXX regarding the above-referenced XXXX XXXX XXXX Account XXXX XXXX account. This account, which was originated with XXXX XXXX and is now being handled by XXXX XXXX, contains significant inaccuracies that violate my rights under both the **Fair Credit Reporting Act ( FCRA ) ** and the **Fair Debt Collection Practices Act ( FDCPA ) **. I do not owe debt to either parties nor do i have a contract that states that. 
# # # Key Points of Dispute 1. **Debt Validation : ** I request immediate validation of this debt, including a complete itemized statement, and a copy of any original signed agreement with XXXX XXXX XXXX 
2. **Proof of Assignment : ** I request proof of the legal assignment or transfer of this debt to XXXX XXXX XXXX along with evidence of Clarity XXXX XXXX authority to collect on this debt. 
XXXX. **Accuracy of Reporting : ** Under **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) **, all reported information must be accurate. If XXXX XXXX can not verify the accuracy of the reported debt, it must be deleted from my credit report. 
XXXX. **Licensing and Bonding : ** Please provide proof of XXXX XXXX XXXX current licensing and bonding to collect debts in the state of Tennessee XXXX 
# # # Violations and Consumer Rights I believe that XXXX XXXX has violated the following provisions : - **FDCPA Violations : ** - **Misleading Communications : ** Per XXXX XXXX XXXX ( b ) ( XXXX ) **, debt XXXX XXXX not communicate in a misleading or deceptive manner. 

- **Required Disclosures : ** Under **12 CFR 1006.34 ( c ) ( 4 ) ( i ) **, accurate disclosures must be provided to validate the debt.

- **Ceasing Communication : ** Under **12 CFR 1006.34 ( d ) **, I revoke your right to contact me regarding this debt. Continued communication would be a direct violation of this provision.

- **FCRA Violations : ** - **Maximum Accuracy Requirement : ** Under **15 U.S.C. 1681e ( b ) **, all information furnished to credit reporting agencies must be accurate. 
Given these clear discrepancies and violations, I formally request the immediate reinvestigation of this matter. If XXXX XXXX can not validate this debt or provide the requested documentation, I demand the prompt removal of this account from my credit report in compliance with **15

U.S.C. 1681i**. Please provide a written response to this dispute within **15 days** a
s required by federal law. I expect that you will confirm the removal of any unverifiable or inaccurate information from my credit report promptly.

Thank you for your immediate attention to this matter. I look forward to a timely resolution. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FactorTrust, Inc.
State: TN

Complaint narrative:
I am writing to formally dispute the validity of the information being reported to my credit by XXXX  XXXX, factor trust and Clarity solutions regarding the above-referenced XXXX XXXX XXXX Account XXXX XXXX account. This account, which was originated with XXXX XXXX and is now being handled by XXXX XXXX, contains significant inaccuracies that violate my rights under both the **Fair Credit Reporting Act ( FCRA ) ** and the **Fair Debt Collection Practices Act ( FDCPA ) **. I do not owe debt to either parties nor do i have a contract that states that. 
# # # Key Points of Dispute XXXX. **Debt Validation : ** I request immediate validation of this debt, including a complete itemized statement, and a copy of any original signed agreement with XXXX XXXX XXXX 
XXXX. **Proof of Assignment : ** I request proof of the legal assignment or transfer of this debt to XXXX XXXX XXXX along with evidence of XXXX  XXXX XXXX authority to collect on this debt. 
XXXX. **Accuracy of Reporting : ** Under **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) **, all reported information must be accurate. If XXXX XXXX can not verify the accuracy of the reported debt, it must be deleted from my credit report. 
XXXX. **Licensing and Bonding : ** Please provide proof of XXXX XXXX XXXX current licensing and bonding to collect debts in the state of Tennessee XXXX 
# # # Violations and Consumer Rights I believe that XXXX XXXX has violated the following provisions : - **FDCPA Violations : ** - **Misleading Communications : ** Per XXXX12 CFR 1006.34 ( b ) ( 5 ) **, debt collectors may not communicate in a misleading or deceptive manner.

- **Required Disclosures : ** Under **12 CFR 1006.34 ( c ) ( 4 ) ( i ) **, accurate disclosures must be provided to validate the debt.

- **Ceasing Communication : ** Under **12 CFR 1006.34 ( d ) **, I revoke your right to contact me regarding this debt. Continued communication would be a direct violation of this provision.

- **FCRA Violations : ** - **Maximum Accuracy Requirement : ** Under **15 U.S.C. 1681e ( b ) **, all information furnished to credit reporting agencies must be accurate. 
Given these clear discrepancies and violations, I formally request the immediate reinvestigation of this matter. If XXXX XXXX can not validate this debt or provide the requested documentation, I demand the prompt removal of this account from my credit report in compliance with **15 U.S.C. 1681i**.

Please provide a written response to this dispute within **15 days** as required by federal law. I expect that you will confirm the removal of any unverifiable or inaccurate information from my credit report promptly. 
Thank you for your immediate attention to this matter. I look forward to a timely resolution. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX on record until XX/XX/XXXXXXXX XXXX XXXXXXXXInquired on XX/XX/XXXX on record until XX/XX/XXXX. 
FCRA violations : payments never late XXXX  XXXX Potentially negative date opened XX/XX/XXXX Balance {$4000.00} Status Open. XXXX XXXX XXXX  XXXX Potentially negative date opened XX/XX/XXXX Balance {$0.00} Status Paid, Closed. XXXX XXXX Potentially negative date opened XX/XX/XXXX XXXX {$13000.00} XXXX Account charged off. {$36000.00} written off. {$13000.00} past due as of XX/XX/XXXX. Closed. 
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$950.00} past due as of XXXX XXXXXXXX XXXX XXXX XXXX  Potentially negative date opened XX/XX/XXXX Balance {$6400.00} Status Collection account. {$6400.00} past due as of XX/XX/XXXX. 
FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX  XXXX, TX XXXX Resident type Single family. XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family. XXXX XXXX XXXX XXXX XXXX FL, XXXX Resident type Single Family.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
Account name : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

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