vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
One of my accounts has already been deleted by you, but there is still an account with inaccurate information, which harms my credit report, the account is XXXX the XXXX which appears as sold to another lender, without having any knowledge of it nor do the credit bureaus show what has been the final destination of this account, leading to my data and financial information being in the hands of another institution which I do not know and without my previous knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
One of my accounts has already been deleted by you, but there is still an account with inaccurate information, which harms my credit report, the account is XXXX the XXXX which appears as sold to another lender, without having any knowledge of it nor do the credit bureaus show what has been the final destination of this account, leading to my data and financial information being in the hands of another institution which I do not know and without my previous knowledge

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I, XXXX XXXX , residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX, am writing to formally report an incident of identity theft involving unauthorized hard credit inquiries made to my credit report. These unauthorized pulls appear to have occurred between XX/XX/XXXX, and XX/XX/XXXX. 

Unauthorized Hard Credit Pulls : The following unauthorized credit inquiries were made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX - Hard pull on XX/XX/XXXX XXXX XXXX XXXX - Hard pull on XX/XX/XXXX XXXX XXXX XXXX XXXX - Hard pull on XX/XX/XXXXXXXX XXXX XXXX XXXX Hard pull on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Hard pull on XX/XX/XXXX Reason for Belief of Identity Theft : I strongly suspect that my personal information was compromised, leading to these unauthorized credit inquiries. I have not applied for any credit with these companies, nor do I have any legitimate business with them. I believe my sensitive personal data may have been stolen or exposed through some form of fraud, either through a data breach, phishing attack, or another means.

Actions Taken : Contacted Credit Reporting Agencies : I have made direct attempts to contact the credit reporting bureaus ( XXXX, Experian, and XXXX ) to dispute these unauthorized hard pulls. Unfortunately, I have not received adequate assistance or resolution.

Identity Theft Protection : I am actively monitoring my credit report and have taken steps to safeguard my personal information, including placing a fraud alert on my credit file.

Despite these steps, the unauthorized credit inquiries remain on my report, and I am requesting that the credit bureaus investigate this matter further, take appropriate action, and remove these fraudulent hard pulls from my report.

Request : I respectfully request that the credit bureaus take immediate action to : Investigate these unauthorized inquiries.

Remove the fraudulent hard pulls from my credit report.

Provide any guidance or steps I should take moving forward to prevent further instances of identity theft.

Please contact me if any further information or documentation is required to assist in resolving this matter. I can be reached at my contact information below. 

XXXX XXXX : Phone : ( XXXX ) XXXX Email : 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 2025-01-07 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:
This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 15USC1681IA- when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. I have account with these companies. The following inquiries are listed on my consumer reports are false and inaccurate : XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Please remove these false accounts from my accounts immediately this is a violation of the law and proof has not been given to me that I requested showing I did make these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 non-monetary relief
Consumer complaint received 2025-01-07 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: Early Warning Services, LLC
State: MN

Complaint narrative:
The following inquiries viewed by others and me currently listed and showing on my XXXX XXXX  Consumer Report ID : XXXX is fraudulent and unauthorized inquiries : XXXX XXXX A Part of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: John C. Heath, Attorney at Law, PLLC
State: IA

Complaint narrative:
I am a victim of XXXX as well as Lexington law. From year XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX balanced {$4500.00}

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I, XXXX XXXX AM A VICTIM OF IDENTITY THEFT. 
THE ACCOUNT ON MY CREDIT REPORT WHICH IS UNAUTHORIZED. I WOULD LIKE FOR THESE ACCOUNT TO BE REMOVED. I ALSO WAS AFFECTED BY XXXX DATA BREACH. MY PERSONAL INFORMATION WAS LINK AND FOUND ON XXXX XXXX I HAVE ATTACH MY POLICE REPORT ALONG WITH FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent account has been identified as a result of this breach : XXXX  XXXX BANKRUPTCY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
am filing this complaint against Equifax for their improper reinsertion of two previously deleted fraudulent accounts onto my credit report without proper notification or validation, in violation of the Fair Credit Reporting Act ( FCRA ). 

The following fraudulent accounts were initially removed after being disputed as the result of identity theft, yet Equifax has now reinserted them without adhering to FCRA requirements : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened in my name without my consent and were a direct result of identity theft tied to the Equifax data breach, which exposed my personal information. XXXX reinsertion of these accounts as closed has occurred without proper notification or verification, as required under FCRA Section 611 ( a ) ( 5 ) ( B ). 

This failure to notify me or validate the legitimacy of these accounts is not only a violation of the FCRA but also an obstruction of my ability to maintain accurate credit information. Equifax has failed to provide transparency regarding the investigation process and has repeatedly ignored my attempts to resolve this matter. 

Their actions have caused significant harm to my credit profile, delayed my ability to resolve the fallout from the identity theft, and caused emotional distress due to the unnecessary complications they have created. Equifaxs mishandling of my disputes and reinsertion of fraudulent accounts demonstrates gross negligence and disregard for federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: AL

Complaint narrative:
These items are listed enemy credit report in which is affectingly score. This affects my daily life. These items are a result of fraud from the data information breach leak. These shall be removed from my credit. 

LATE PAYMENTS XXXX XXXXXXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX - {$0.00} ( past due XXXX XXXX XXXX XXXXXXXX XXXX {$18.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2800.00} CHARGE OFFS XXXX XXXX XXXX  {$220.00} INQUIRES 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 2025-01-07 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: AL

Complaint narrative:
These items are listed enemy credit report in which is affectingly score. This affects my daily life. These items are a result of fraud from the data information breach leak. These shall be removed from my credit. 

LATE PAYMENTS XXXX XXXXXXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX - {$0.00} ( past due XXXX XXXX XXXX XXXX - {$18.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2800.00} CHARGE OFFS XXXX XXXX XXXX  {$220.00} INQUIRES Equifax Mortgage Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I am writing to formally dispute the following unauthorized credit inquiries that appear on my XXXX credit report. I believe these inquiries were made without my knowledge or consent and therefore should be removed from my report in accordance with the Fair Credit Reporting Act ( FCRA ). 
The inquiries in question are as follows : XXXX XXXX XX/XX/year> XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally dispute the following unauthorized credit inquiries that appear on my XXXX credit report. I believe these inquiries were made without my knowledge or consent and therefore should be removed from my report in accordance with the Fair Credit Reporting Act ( FCRA ). 
The inquiries in question are as follows : XXXX XXXX XX/XX/year> 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 2025-01-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX  The following inquiry was no and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 explanation
Consumer complaint received 2025-01-07 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 recently asked for an investigation and a reinvestiagation on an account listed on my credit report : XXXX XXXX XXXX XXXX, which is incorrect. I have not received supporting documentation to justify keeping this account on my report, as required under the Fair Credit Reporting Act ( FCRA ). you have not provided the method used to verify the account.The name and contact information of the entity that verified the account. Any documentation supporting the account 's accuracy. your neglect has violated my rights .the contains several discrepancies that violate my rights under the Fair Credit Reporting Act ( FCRA ) 1 ) Inaccuracies and Legal Basis : Charge-Off Reporting Across Multiple Months : Under the FCRA, a charge-off is a one-time event and should not be reported as ( Charge-Off ) multiple months after the initial charge-off date. Repeated charge-offs constitute inaccurate and misleading reporting. a charge-off is a one-time event, not an ongoing status. Repeatedly reporting the account as charged off inflates the negative impact on my credit report, this is an update to the payment history this inaccurate information falsely manipulates the status of limitation. 

XXXX ) Balance Higher Than the Past-Due Amount : The original balance is reported as {$24000.00}, with a past-due amount of {$12000.00}. Ensure these figures are accurate and consistent with account terms. Overstating balances violates FCRA 1681s-2 ( a ) ( 1 ) ( B ).

3 ) Past-Due Amount Discrepancy : The report lists {$12000.00} as both the balance and past-due amount. This indicate reporting inconsistencies if payments have been made or adjustments should have been applied.

3 ) Payment History Inconsistencies : There are unexplained gaps or overlaps in the payment history where the timeline is unclear ( e.g., multiple CO entries across the same or consecutive months ). The FCRA mandates that furnished data be complete and accurate.

4 ) Lack of Creditor Contact Information : The phone number listed states " By mail only, '' which may limit your ability to verify information. This could be a compliance issue under FCRA 623 ( a ).

5 ) Unclear Status Update Dates : The status is listed as updated in XX/XX/XXXX, yet the balance reflects XX/XX/XXXX data. 
Under 15 U.S. Code 1681s-2 ( b ), furnishers of information are required to ensure the accuracy and integrity of the data they provide to credit reporting agencies. The inaccuracies outlined above demonstrate non-compliance with this requirement. you failed to investigate this account properly your neglect has violated my rights and caused me enormous amount of distress i'm demanding a deletion of this account

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