vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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: GA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


US DEPT ED XXXX {$3600.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$7900.00} US DEPT ED XXXX {$5600.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$4300.00} US DEPT ED XXXX {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX  XX/XX/scrub>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 2024-11-23 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been reported on my credit file. Under 15 U.S. Code 1681c-2, I am entitled to have this inaccurate information blocked and removed from my credit report. I have already provided the credit reporting agencies with the following : A copy of my identity theft police report XXXX XXXX. 
An Identity Theft Report filed with the FTC. 
A statement declaring that these accounts are not mine and are the result of identity theft. 
Despite submitting this information, the credit reporting agency has failed to block or remove the fraudulent accounts as required by law. I am requesting the CFPBs assistance to ensure compliance with federal law and that this inaccurate information is removed from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
New credit inquiry on XX/XX/year>XXXX  from CB INDIGO that I did not initiate and have no knowledge of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: TN

Complaint narrative:
Potential FCRA Violations or Reporting Issues : Inconsistent or Contradictory Data : The reporting contains discrepancies in the following fields : Date of Last Activity : Two conflicting dates, XX/XX/year>XXXX  and XX/XX/year>. 
Date Reported : Two different reporting dates, XX/XX/year>XXXX  and XX/XX/year>. 
Closed Date : Two conflicting dates, XX/XX/year> and XX/XX/year>. 
This is a violation of FCRA standards requiring accurate and consistent reporting. 
Ambiguity in Account Description : The account rating and status ( " XXXX '' ) are unclear and do not follow standard terminology. This could mislead users and is a possible violation under FCRA for failing to provide clear, understandable information. 
Dispute Marking : The status shows both " Account not disputed '' and " Account information disputed by consumer. '' This inconsistency suggests either the creditor or credit reporting agency failed to update the dispute status properly, a violation of FCRA Section 623 ( a ) ( 3 ). 
Lack of Supporting Details : Missing key fields such as : Payment history Last payment date Term length Past due amount Incomplete data violates the FCRA requirement for furnishing complete and accurate information. 
Collection Status : The account is reported as " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. '' If you have disputed this or if the information is inaccurate, the creditor is obligated to correct or remove the entry. 
Original Creditor Issue : The original creditor is listed as " XXXX XXXX, '' but there is no indication of validation of the debt. If this debt was sold or transferred, you have the right to request proof of assignment or validation under the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX, XXXX, XX/XX/XXXX, I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Transunion , specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : * XXXX XXXX XXXX Opened : XX/XX/XXXX Account : XXXXXXXX 2. XXXX Opened : XX/XX/XXXX Account : XXXX 3. XXXX XXXX Opened : XX/XX/XXXX Account : XXXX 4. XXXX Opened : XXXX/XXXX/XXXX  XXXX Account : XXXX 5. XXXX Opened : XX/XX/XXXX Account : XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: Source Receivables Management LLC
State: DC

Complaint narrative:
im a handicap senior in shelter found fraud collections on report thru credit karma and experian equifax claim they dont see this im demanding investigation due to freeze on all bureaus no one should not been anyway way for someone to apply for anything in my name im paying XXXX credit cards was XXXX now im in collections from some company source receivables management XXXX acct no XXXX snapshot dont know what that is with tmobile contact them demanded investigation in writting to me as to how they got my info to open this account for XXXX contacted police fbi wo and anyone else you may suggest to me working on XXXX XXXX XXXX XXXX  ... this is unexceptable to go thru this im trying to move please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been reported on my credit file. Under 15 U.S. Code 1681c-2, I am entitled to have this inaccurate information blocked and removed from my credit report. I have already provided the credit reporting agencies with the following : A copy of my identity theft police report XXXXXXXX XXXX 
An Identity Theft Report filed with the FTC. 
A statement declaring that these accounts are not mine and are the result of identity theft. 
Despite submitting this information, the credit reporting agency has failed to block or remove the fraudulent accounts as required by law. I am requesting the CFPBs assistance to ensure compliance with federal law and that this inaccurate information is removed from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: IL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXXXXXX  Open/closed Closed Balance {$4500.00} XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXX  Account number XXXX Date XXXX XX/XX/XXXX Open/closed Closed Balance {$4500.00} XXXX Account number XXXX  Date opened XX/XX/XXXX Open/closed Closed XXXX {$0.00} XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXXXXXX  Open/closed Closed Balance {$4500.00} XXXX Account number XXXX Date opened XX/XX/XXXXXXXX  Open/closed Closed Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: GA

Complaint narrative:
My loans were closed out and my account balance was XXXX. I literally took screenshots of it and never heard of XXXX until I saw them on my credit report. This company 's website is so fraudulent with the terms and conditions that violate my rights. They need to be investigated and shut down. There is no reason that before my loans were forgiven that I was paying {$10.00} based on my income to them having in the system I'm supposed to give them {$260.00} per month. It's only fraudulent but researching the company I am not the first person this has happened to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: GA

Complaint narrative:
My loans were closed out and my account balance was XXXX. I literally took screenshots of it and never heard of XXXX until I saw them on my credit report. This company 's website is so fraudulent with the terms and conditions that violate my rights. They need to be investigated and shut down. There is no reason that before my loans were forgiven that I was paying {$10.00} based on my income to them having in the system I'm supposed to give them {$260.00} per month. It's only fraudulent but researching the company I am not the first person this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: GA

Complaint narrative:
My loans were closed out and my account balance was XXXX. I literally took screenshots of it and never heard of XXXX until I saw them on my credit report. This company 's website is so fraudulent with the terms and conditions that violate my rights. They need to be investigated and shut down. There is no reason that before my loans were forgiven that I was paying {$10.00} based on my income to them having in the system I'm supposed to give them {$260.00} per month. It's only fraudulent but researching the company I am not the first person this has happened to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to request a security freeze on my consumer credit file and a certified copy of my complete consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ). 

The primary purposes are to prevent unauthorized access to my credit information, protect against potential identity theft, and obtain a comprehensive review of my current credit status. 

I am specifically requesting a complete and certified consumer report that includes all comprehensive details maintained in my file. This should encompass a full overview of my credit accounts, detailed inquiry history, personal identification information, and any additional notations or remarks present in my records. 


Identifying Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX  Please send all documentation via certified mail to the address listed above. I request written confirmation within 3-5 business days. 

My goal is to exercise my legal rights and protect my personal financial information. 


Thank you for your prompt attention to these matters. 

Enclosed Verification Documents : Government-issued photo identification with current photograph Official proof of current residential address Additional supporting identification materials

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Park Hill Holdings
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to request a security freeze on my consumer credit file and a certified copy of my complete consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ). 

The primary purposes are to prevent unauthorized access to my credit information, protect against potential identity theft, and obtain a comprehensive review of my current credit status. 

I am specifically requesting a complete and certified consumer report that includes all comprehensive details maintained in my file. This should encompass a full overview of my credit accounts, detailed inquiry history, personal identification information, and any additional notations or remarks present in my records. 


Identifying Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/year>XXXX  Social Security Number : XXXX Please send all documentation via certified mail to the address listed above. I request written confirmation within 3-5 business days. 

My goal is to exercise my legal rights and protect my personal financial information. 


Thank you for your prompt attention to these matters. 

Enclosed Verification Documents : Government-issued photo identification with current photograph Official proof of current residential address Additional supporting identification materials

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