vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Affidavit of XXXX XXXX XXXX State of Virginia I, XXXX XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, VA XXXX, being of sound mind and legal capacity, hereby declare the following : 1. I am a consumer protected under the Fair Credit Reporting Act ( FCRA ) and am exercising my rights under Section 609 to request verification of the account listed below. 


2. I have been XXXX  in the XXXX XXXX XXXX XXXX  since XX/XX/XXXX and am not scheduled for release until XX/XX/XXXX. As such, I have not and could not have purchased or financed an automobile during this time. 

Disputed Account Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Issue : This account, showing a charged-off status with a balance of {$37000.00}, is inaccurate and unverifiable. Given my XXXX, it is impossible for me to have entered into any agreement, obtained credit, or purchased an automobile during this period. 

Unfair Reporting Practices 1. Despite submitting proof of my XXXX  and disputing this account multiple times, Experian has failed to fulfill its legal obligation under FCRA 611 to remove this account or provide proper validation. 


2. Both XXXX and XXXX, after reviewing the same evidence, have removed and blocked this account from my credit file, as they recognize its inaccuracy. 


3. Experians refusal to remove this account despite compelling evidence demonstrates negligence and a violation of FCRA 607 ( b ), which mandates maximum possible accuracy in credit reporting. 

Sworn Declaration : I declare under penalty of perjury that the information provided in this affidavit is true and accurate to the best of my knowledge. 

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 2024-11-19 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: NJ

Complaint narrative:
Unauthorized inquiries appeared on my credit report this morning, and I have no idea why. While reviewing my report as usual, I noticed discrepancies that seemed to come out of nowhere. Even after refreshing my browser to rule out a glitch, the issue persisted. I urge you to carefully review the documents I provided and resolve this problem immediately so I can feel secure again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: FL

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 of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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. 

The following information on my credit report is the result of identity theft and should be blocked : 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 or 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 / charge off were eliminated and not verified by others bureaus. I dont 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: FL

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 of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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. 

The following information on my credit report is the result of identity theft and should be blocked : 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 or 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 / charge off were eliminated and not verified by others bureaus. I dont 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
Complaint Details : I am filing this formal complaint against Experian for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692c ( c ). Despite sending a formal cease and desist letter on [ Insert Date ], Experian or their associated agents have continued unauthorized communications and collection activities related to an alleged debt. 

The specific details are as follows : Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These actions constitute harassment and a violation of my federally protected rights. Case law such as XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), affirms the consumers right to request cessation of communication. Experians failure to honor my demand not only disregards my legal rights but has also caused significant distress, including emotional harm and damage to my financial well-being. 

Specific Issues : Continued communication despite a formal cease and desist notice. 

Failure to respect my rights under the FDCPA. 

Harassment through unauthorized collection attempts. 

Impact on Me : These ongoing violations have caused : Emotional distress and mental anguish. 

Reputational damage, as I have had to repeatedly explain this situation to creditors and others. 

Financial harm, as their actions may have adversely affected my credit report or score.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There was a XXXX  XXXX bankruptcy reported to all three credit bureaus, and I want you to investigate and advise me on where you obtained this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There was a XXXX  XXXX bankruptcy reported to all three credit bureaus, and I want you to investigate and advise me on where you obtained this information.

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a call from a person who stated they were from Huntington Bank fraud dept. They said that someone in Texas was trying to make a purchase with my debit card and they wanted to verify if this was me. I said I was not in Texas and had possession of my card. 
They had all of my personal information and knowledge of a previous fraudulent purchase with my debit card. They behaved suspiciously asking for additional information and I locked my card and hung up. I then saw a {$4500.00} charge on my account and called Huntingtons fraud department immediately. The rep was very dismissive and did not ask for details. He said that I must have given them everything. He opened a case. The next day the same people called my husband and attempted the same scam. I called Huntington immediately and asked them to block my husbands card and issue a new one. They said Id have to wait for fraudulent activity which we could then appeal.They finally agreed to my request. I received a letter from XXXX dated XX/XX/XXXX stating they determined the charge was authorized based on information received. They never asked for information! I called the supervisor who stated I would have to contact XXXX and XXXX XXXX XXXX and obtain proof that I did not authorize charges. I am XXXX years old and this is way beyond my skill level. 
Huntington issued me a new card which I have not used. Today, XX/XX/XXXX I received a call from someone saying they were from Huntington fraud dept and that someone was trying to use my new card. They had the card number and last 4 numbers of my social security. How could they have the new number? I hung up and called Huntington and it was a fraudulent call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-19 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: TX

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 UNAUTHORIZED INQUIRIES : XXXX  XXXX  XX/XX/year>2022 XXXX XX/XX/year>2022 XXXX XXXX XXXX XX/XX/year>2022 XXXX XX/XX/year>2022 XXXX XXXX/XXXX/2022

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 2024-11-19 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: FL

Complaint narrative:
I noticed an account associated with XXXX XXXX  on my credit report that I did not open or authorize. According to my credit report, the account was opened on or around XX/XX/scrub> 2021. The account is reported as a secured loan with a balance of {$15000.00} and a past-due amount of the same figure, but the details vary significantly across the three major credit bureaus. 

The discrepancies include : XXXX. The Date Opened is listed as XX/XX/scrub> 2021, by TransUnion, but XXXX and XXXX report it as XX/XX/year>2021. 
XXXX. The account is listed as Derogatory by TransUnion and XXXX, while XXXX reports it as Open. 
XXXX. The reported balance is {$15000.00} on TransUnion and XXXX but {$0.00} on XXXX. 
XXXX. The High Credit amount is reported as {$21000.00} by TransUnion but {$0.00} by XXXX and XXXX. 

I have never applied for or authorized this account, and I suspect it was created fraudulently. When I discovered this account, I immediately reviewed my records to confirm that I had no affiliation with this account or XXXX Bank. I also filed a report of suspected identity theft and began contacting the necessary agencies to dispute this information. 

The inaccurate and fraudulent reporting has negatively affected my credit score and caused unnecessary stress. I request that this account be fully investigated and removed from my credit reports to prevent further damage to my credit profile. Additionally, I would like the reporting agencies to notify any company that has accessed my credit report in the last six months of the corrected information. 

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-11-19 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:
I noticed an account associated with XXXX XXXX  on my credit report that I did not open or authorize. According to my credit report, the account was opened on or around XX/XX/year>2021. The account is reported as a secured loan with a balance of {$15000.00} and a past-due amount of the same figure, but the details vary significantly across the three major credit bureaus. 

The discrepancies include : XXXX. The Date Opened is listed as XX/XX/year>2021, by XXXX, but XXXX and Equifax report it as XX/XX/scrub> 2021. 
XXXX. The account is listed as Derogatory by XXXX and XXXX, while Equifax reports it as Open. 
XXXX. The reported balance is {$15000.00} on XXXX and XXXX but {$0.00} on Equifax. 
XXXX. The High Credit amount is reported as {$21000.00} by XXXX but {$0.00} by XXXX and Equifax. 

I have never applied for or authorized this account, and I suspect it was created fraudulently. When I discovered this account, I immediately reviewed my records to confirm that I had no affiliation with this account or XXXX XXXX. I also filed a report of suspected identity theft and began contacting the necessary agencies to dispute this information. 

The inaccurate and fraudulent reporting has negatively affected my credit score and caused unnecessary stress. I request that this account be fully investigated and removed from my credit reports to prevent further damage to my credit profile. Additionally, I would like the reporting agencies to notify any company that has accessed my credit report in the last six months of the corrected information. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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 noticed an account associated with XXXX XXXX  on my credit report that I did not open or authorize. According to my credit report, the account was opened on or around XX/XX/scrub> 2021. The account is reported as a secured loan with a balance of {$15000.00} and a past-due amount of the same figure, but the details vary significantly across the three major credit bureaus. 

The discrepancies include : XXXX. The Date Opened is listed as XX/XX/year>2021, by XXXX, but Experian and XXXX report it as XX/XX/scrub> 2021. 
XXXX. The account is listed as Derogatory by XXXX and Experian, while XXXX reports it as XXXX. 
XXXX. The reported balance is {$15000.00} on XXXX and Experian but {$0.00} on XXXX. 
XXXX. The High Credit amount is reported as {$21000.00} by XXXX but {$0.00} by Experian and XXXX. 

I have never applied for or authorized this account, and I suspect it was created fraudulently. When I discovered this account, I immediately reviewed my records to confirm that I had no affiliation with this account or XXXX XXXX. I also filed a report of suspected identity theft and began contacting the necessary agencies to dispute this information. 

The inaccurate and fraudulent reporting has negatively affected my credit score and caused unnecessary stress. I request that this account be fully investigated and removed from my credit reports to prevent further damage to my credit profile. Additionally, I would like the reporting agencies to notify any company that has accessed my credit report in the last six months of the corrected information. 

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
In late XXXX my identity was stolen and I called XXXX XXXX to find that the person who had stolen my identity, XXXX XXXX, had applied for and been approved for a loan with XXXX XXXX. At the time I was assured that the loan would be stopped before it went through and nothing would show up on my credit report. While talking with XXXX, a representative from XXXX XXXX was on on line and can attest to all of this conversation. The conversation was also recorded. I then submitted a police report to XXXX finance attesting to the fact that my identity had been stolen and that the loan was fraudulent. 

About one week later, I received notification that there was a new line of credit on my credit report for {$29000.00} with XXXX finance. At that time I called again and was assured that the line of credit would be removed from my credit report and I would not ever be asked to pay money as the financing was fraudulent. The car was never received because the co-applicant, XXXX XXXX, returned the vehicle and admitted to using a stolen identity to attempt purchase. The car dealership in question, XXXX XXXX XXXX, confirmed that they returned payment to XXXX finance and assured me that this had already occurred. 

On XX/XX/year> I received a bill from XXXX finance in the amount of {$740.00}. The contract number is XXXX. I called to request that it be cancelled and removed from my report and was told that I needed to resubmit my evidence of Fraud despite the dealership cancelling and repaying the loan.

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 2024-11-19 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:
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 : personal information : name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX late payment XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$58000.00} XXXX XXXX XX/XX/XXXX {$0.00} collection/charge off XXXX XXXX XX/XX/XXXX {$450.00} Repossession XXXX XXXX XXXX XX/XX/XXXX {$0.00} inquiries : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX SXXXX XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief