vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A credit card account opened XXXX XXXX  on XX/XX/XXXX under the account number ( private ), a credit card at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXXXXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Under the account number ( private ), XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: KY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I was a victim if several data breaches from XXXX and XXXX I've asked for several items such as a full detailed list of the payment history, my original signature on this contract for this creditor as well as the chain of title on the debt. My information wasn't removed in four days under section 605 this is to be deleted under XXXX please remove these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request for Blocking and Removal of Fraudulent Accounts Under 15 U.S.C. 1681c-2 Dear Experian, I am writing to formally dispute the inclusion of inaccurate and potentially fraudulent information on my consumer report under my rights afforded by 15 U.S.C. 1681c-2 ( c ) ( a ). Upon reviewing my credit report, I identified the following accounts that were not authorized by me and should be immediately removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681c-2,
I request that Experian immediately block and remove these accounts from my consumer report as they are inaccurate and may have resulted from identity theft or errors. I am invoking my right to protect the integrity of my credit report and expect these accounts to be removed.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I Looked at my report and noticed some things are incomplete and not accurate .According to fair credit reporting act Whenever consumer reporting agency prepares consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because PERSONAL INFORMATION- 1 ) EMPLOYMENT- NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAN U LOOK INTO THIS MATTER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I Looked at my report and noticed some things are incomplete and not accurate .According to fair credit reporting act Whenever consumer reporting agency prepares consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because PERSONAL INFORMATION- 1 ) EMPLOYMENT- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAN U LOOK INTO THIS MATTER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 non-monetary relief
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
Account Name : XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: SC

Complaint narrative:
My personal information is wrong. And address havent been removed like I requested

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 2025-01-13 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: VA

Complaint narrative:
Incorrect account information on XXXX. 
XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -- Incorrect inquiry information on XXXX. 
XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Incorrect personal information on Transunion. 

XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, VA XXXX XX/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
Consumer complaint received 2025-01-13 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: LA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries and accounts. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I had a charge of still reporting on my credit. 
I had a misinformation on my credit report I disputed it and its coming back verified as correct. The statute of limitations has already past the 7 yr mark and the debt remains on my credit report. I need you to remove any negative items on my credit report immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-13 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XX/XX/year> Credit Bureau/TransUnion ) XXXX XXXX XXXX. XXXX. 
PA XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear [ Credit Bureau Name ], I am writing to formally dispute several inaccurate, unverifiable, and outdated items listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). These errors are negatively affecting my creditworthiness and must be corrected or removed immediately. 

After reviewing my credit report, I have identified the following items that I believe to be inaccurate or unverifiable : XXXX XXXX ACCOUNT XXXX Issue : [ e.g., Incorrect balance, account not mine, outdated information ] Issue : [ e.g., Duplicate entry, inaccurate reporting, unverifiable debt ] Under the FCRA, it is your legal responsibility to ensure the information reported is 100 % accurate and fully verifiable. I demand a thorough investigation into these matters and the removal or correction of the disputed items from my credit report. 

Failure to remove or correct these inaccuracies promptly will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies. 

Please provide me with the results of your investigation in writing within 30 days, as required by law. If you are unable to verify the accuracy of these items, they must be removed from my credit report immediately. 

Thank you for your prompt attention to this matter. I expect to receive confirmation of your receipt of this letter within 5 business days. Should you require additional information, feel free to contact me at XXXX ]. 

Sincerely, 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 2025-01-13 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several complaints and in light of the DOJ suing XXXX it explains why I have not received a fair resolution.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several complaints and in light of the DOJ suing XXXX it explains why I have not received a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
This request is necessary to address specific consumer concerns related to personal financial information, account discrepancies, or inquiries regarding financial products or services. By obtaining and verifying this information, we aim to ensure accurate responses, facilitate resolutions, and protect consumers from potential fraud or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I never received this medical bill, this collection company sent this {$100.00} medical bill to collections and now it ruined my credit score. As of XX/XX/year>, Medical debt under {$500.00} should not show up on credit reports. This is a repulsive act by this collection agency to ruin someones credit over {$100.00}. I would have paid it, if I received the bill. It lowered my credit by XXXX points. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: IN

Complaint narrative:
I requested a copy of my lexis nexis report on XX/XX/year>. Upon recieving my report, I saw information on it that was related to a different person, with the same XXXX  and last name, but a different middle initial. I disputed some information on the report, but Lexis Nexis said that the information reported from XXXX insurance was correct, which was the information regarding the other person. This other person was involved in an accident that was reported by XXXX XXXX, but I have never had XXXX insurance, nor lived in texas, which is the address associated with that insurance claim.

Company response to consumer: Closed with explanation