vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: HI

Complaint narrative:
I am writing to delete the following information in my file. The item I am referencing XXXX XXXX XXXX ( XXXX XXXX ) account opened sometime in XXXX  that I did not open. I am a victim of identity theft, as my employer notified me my sensitive data has been breached. I did not open this account. I ask that this account be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit, as well as the notification of data breach letter from my employer. Please delete this account 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 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I noticed unauthorized charges on my account through cash app and filed a claim. I was told by the agent that my current debit card would be closed and I would receive a new debit card. I haven't seen the unauthorized transactions credited to my account yet.

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 2025-01-08 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: FL

Complaint narrative:
I am a Victim of the data breach. My right to have accurate information on my report has been violated. This is identity theft according to Florida XXXX XXXX XXXX : I gave no authority to furnish private information, this is trespassing. 

These credit reporting agencies and the creditors/inquiries listed in these reports deprived me of my basic right to privacy and are guilty of Conspiring to deprive me of my rights under 18 U.S. Code 242.

All furnishing of account information MUST BE DELETED within 4 business days from the receipt of this notice pursuant to 15 U.S Code 1681s-2 ( 6 ) ( B ).

I Request that they all block this information from my consumer report within the next 4 Business days pursuant to 15 U.S. Code 1681 c-2 - Block of information resulting from identity theft.

Update account to Provide 850 credit score and update all paid as agreed. No hard inquiries allowed ever. 

Not only have I been a Victim of identity theft, but XXXX XXXX AND XXXX has aided and abetted each individual perpetrator listed on the credit report in this crime of identity theft pursuant to 18 U.S. Code 1028A - Aggravated identity theft by publishing this subsequent information without my consent and against my wishes, for their own personal gain. And are guilty of co-conspiring in a scheme to collect on extensions of credit through extortionate means pursuant to 18 U.S. Code 894 ( a ) ( 1-2 ).

According to the FCRA CREDIT REPORTING AGENCIES HAVE A grave responsibility to uphold fairness and impartiality. They subsequently failed to uphold that responsibility and has deprived me of my right to privacy they are required to uphold under the Gramm-Leach-Bliley Act ( GLBA ) 15 U.S. Code 6801 and the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I am a Victim of the data breach. My right to have accurate information on my report has been violated. This is identity theft according to Florida XXXX XXXX XXXX : I gave no authority to furnish private information, this is trespassing. 

These credit reporting agencies and the creditors/inquiries listed in these reports deprived me of my basic right to privacy and are guilty of Conspiring to deprive me of my rights under 18 U.S. Code 242.

All furnishing of account information MUST BE DELETED within 4 business days from the receipt of this notice pursuant to 15 U.S Code 1681s-2 ( 6 ) ( B ).

I Request that they all block this information from my consumer report within the next 4 Business days pursuant to 15 U.S. Code 1681 c-2 - Block of information resulting from identity theft.

Update account to Provide 850 credit score and update all paid as agreed. No hard inquiries allowed ever. 

Not only have I been a Victim of identity theft, but XXXX XXXX AND XXXX has aided and abetted each individual perpetrator listed on the credit report in this crime of identity theft pursuant to 18 U.S. Code 1028A - Aggravated identity theft by publishing this subsequent information without my consent and against my wishes, for their own personal gain. And are guilty of co-conspiring in a scheme to collect on extensions of credit through extortionate means pursuant to 18 U.S. Code 894 ( a ) ( 1-2 ).

According to the FCRA CREDIT REPORTING AGENCIES HAVE A grave responsibility to uphold fairness and impartiality. They subsequently failed to uphold that responsibility and has deprived me of my right to privacy they are required to uphold under the Gramm-Leach-Bliley Act ( GLBA ) 15 U.S. Code 6801 and the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681.

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 2025-01-08 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: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items :

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 2025-01-08 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: MS

Complaint narrative:
I am filing this complaint to address inaccuracies in the personal information listed on my Experian credit report and unresolved unauthorized hard inquiries. 
1. Addresses : The only correct address on my credit report is : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX However, my credit report includes the following inaccurate and outdated addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX I have made several formal requests to Experian to remove these incorrect addresses, but they remain on my report. According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 1681i ), credit reporting agencies are required to investigate and correct inaccuracies on a consumers credit report within 30 days. Experians failure to act violates this section of the FCRA. 
Relevant case law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX ) : Establishes that credit bureaus must ensure the accuracy of consumer credit information and conduct reasonable investigations into disputes. 
2. Hard Inquiries : My report also includes the following unauthorized hard inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Under the FCRA XXXXection 604 ( 1681b ), a credit bureau can not disclose a consumers report unless there is a permissible purpose or explicit authorization. I did not authorize these inquiries and have requested Experian remove them. Experian has not provided any verification or resolution. 
Relevant case law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Highlights the duty of credit bureaus to remove unverified inquiries upon consumer disputes. 

Despite my repeated requests, Experian has failed to correct the inaccurate addresses or remove the unauthorized inquiries from my report. These failures have caused significant harm to my credit profile.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
hello dear credit bureus, i have check my report and i have XXXX late payments on this account : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment account INSTALLMENT Installment Account Type - Detail : Installment account Auto Loan Installment Bureau Code : Individual account Individual Individual Account Account Status : Open Open Open Monthly Payment : {$1500.00} {$1500.00} {$1500.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$55000.00} {$55000.00} {$55000.00} No. of Months ( terms ) : Monthly XXXX XXXX Monthly ( due every month ) High Credit : {$89000.00} {$89000.00} {$89000.00} Credit Limit : {$0.00} - - Past Due : {$0.00} - - Payment Status : Paid or paying as agreed Current, was past due XXXX days Pays account as agreed Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - - Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX payment history Month 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 TransUnion 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 it should be late it should be current. thanks

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 2025-01-08 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: FL

Complaint narrative:
hello dear credit bureus, i have check my report and i have XXXX late payments on this account : XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment account INSTALLMENT Installment Account Type - Detail : Installment account Auto Loan Installment Bureau Code : Individual account Individual Individual Account Account Status : Open Open Open Monthly Payment : {$1500.00} {$1500.00} {$1500.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$55000.00} {$55000.00} {$55000.00} No. of Months ( terms ) : Monthly XXXX XXXX Monthly ( due every month ) High Credit : {$89000.00} {$89000.00} {$89000.00} Credit Limit : {$0.00} - - Past Due : {$0.00} - - Payment Status : Paid or paying as agreed Current, was past due XXXX XXXX Pays account as agreed Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - - Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX payment history Month 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  it should be late it should be current. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NJ

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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 2025-01-08 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: SC

Complaint narrative:
I contacted the credit bureaus about inaccurate information reporting to my credit file. I also requested a copy of the original signed contract and a video of me signing the contract and after several attempts to collect this information this bureau has failed to furnish this vital Information which is against the law! According to the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information. 

I am putting this bureau on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello all, please see supporting correspondence for my complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
1.There are charges on my Synchrony Amazon store card that I didnt purchase. 2. Synchrony reversed some of the charges. 3. Now, even though I closed my Synchrony Amazon credit card and my Amazon account, I am being re-charged for purchases I never ordered. 4. I am also still owed a refund of XXXX for sneakers that were returned. I provided proof of the
return.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Paid this balance off completely - It is not reporting accurately ... Has been paid off for XXXX XXXX XXXX. please remove from my Credit Profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: CO

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. 

XXXX XXXX : # XXXX, XXXX XXXX : Date of inquiry : XX/XX/year>, XXXX XXXX : Date of inquiry : XX/XX/year> And according to the Fair Credit Reporting Act, 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681-5 they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2, they are supposed to 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. 

15 U.S.C. 1681B ( 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. 

Disputed Personal Information I have identified that the following personal information on my credit report is incorrect and inaccurate : ( incorrect ) Full Name : [ XXXX XXXX ] Also Known As : [ XXXX, XXXX, XXXX XXXX XXXX ] Correct Full Name : [ First : XXXX XXXX : XXXX Last : XXXX ] ( incorrect ) Address : [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ] Correct Current Address : [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] ( incorrect ) Employer ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX  ] Correct Employer ( s ) : XXXX XXXX XXXX XXXX This incorrect personal information, coupled with the aforementioned inaccurate account details, must be updated immediately to ensure compliance with FCRA standards 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 2025-01-08 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: NJ

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

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 2025-01-08 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: GA

Complaint narrative:
I am demanding a deletion of the following account name XXXX XXXX XXXX account number 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The following Inquiries were not authorized by me and I have no knowledge of them. I believe they are fraudulent. Please remove from transunion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America. XXXX Please remove from 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: GA

Complaint narrative:
This credit card with First Progress was a secured credit card I closed this account and paid this account off and now your company First Progress is reporting this account as a charge-off which is false information that is being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief