vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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: OR

Complaint narrative:
I am writing to formally dispute an unauthorized account and multiple inquiries that have appeared on my credit report. I am a victim of a data breach that resulted in the compromise of my personal information. As such, these entries were made without my knowledge or consent. 
Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following items from my credit report : Fraudulent Account : Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX of XXXX : XX/XX/XXXX XXXXXXXX XXXX o Date of XXXX : XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX has violated my rights, 15 U.S.C 1681 Section 602 A, 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 1692b acquisition of location information by debt collectors.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found these actions were initiated without proper validation or original documentation from any of the reporting entities.

I am writing to formally dispute certain inaccurate and fraudulent information that appears on my credit report. This information was placed on my report as a result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that the fraudulent accounts listed below be blocked from my credit report immediately.

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 2024-11-16 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: IN

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX - XX/XX/XXXX - {$4200.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$4100.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} INQUIRIES : XXXXXXXX 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
Consumer complaint received 2024-11-16 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: IL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX A XXXX Former : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX Employers : XXXX XXXX Employers : XXXX collection/charge off : XXXX XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XXXX XX/XX/XXXX {$56000.00} late payment : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX my account with cashapp was locked to prevent fraud when I was attempting to log out of one device and add a new device. They locked my account stating potential fraud. I contacted customer support and advised them it was me and I needed to have my account unlocked. They stated they would unlock it. I was attempting to have {$900.00} sent to me for a personal emergency. I waited and waited and it wasnt unlocked. The next morning on XX/XX/XXXX I called and reported that it was still locked and spoke with rep XXXX for case number XXXX. He stated that he would have a member from XXXX who was busy in that moment unlock my account within half an hr. I advised to him I desperately needed to use my account and it was an emergency and I really needed access to the funds that were in the account. XXXX XXXX put me on hold for a few moments and came back and advised that they werent able to speed it up any further but assured me that it would be unlocked within 30 minutes. 45 minutes went by and my account was still locked. I called back and spoke with rep XXXX. XXXX stated on case number XXXX they dont even have an IT department and the previous rep had blatantly lied to me about it and that it will be another day before I can access my funds. When I requested to speak with a manager, XXXX advised me that wasnt an option and that I had to simply wait to access my funds and she would file a complaint and escalate the situation further. To date I still can not access my funds, it cost me the ability to receive {$900.00} for rent and now Im getting evicted. I have zero access to any of my money and the support team will not do anything about it. Now Im going to be homeless over attempting to log out of my account on my cellphone and switching to a new cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX A XXXX Former : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Employers : XXXX XXXX Employers : XXXX collection/charge off : XXXX XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XXXX XX/XX/XXXX {$56000.00} late payment : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX has violated my rights, 15 U.S.C 1681 Section 602 A, 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 1692b acquisition of location information by debt collectors.

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 2024-11-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX has violated my rights, 15 U.S.C 1681 Section 602 A, 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 1692b acquisition of location information by debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: CA

Complaint narrative:
I have disputed multiple inaccurate and unverifiable collections and charge-off accounts on my credit report with Experian. These include : XXXX XXXX XXXXXXXX XXXX ( {$970.00} ) XXXX XXXX XXXX ( {$650.00} ) XXXX XXXX XXXX ( {$620.00} ) XXXX XXXX XXXX ( {$690.00} ) XXXX XXXX ( {$450.00} ) XXXX XXXX ( {$1200.00} XXXX XXXX XXXX XXXX XXXX {$3300.00} ) I sent certified dispute letters on XX/XX/year>, XX/XX/year>, and XX/XX/year>, requesting proper verification of these debts as required under the Fair Credit Reporting Act ( FCRA ). 

Over 90 days have passed, and Experian has failed to verify the accounts or delete them as mandated by law. 

The credit reporting agency has violated the following sections of the FCRA : 15 U.S. Code 1681i ( Failure to investigate and remove unverified information ) 15 U.S. Code 1681e ( b ) ( Failure to ensure maximum accuracy ) 15 U.S. Code 1681b ( a ) ( 2 ) ( A ) ( No permissible purpose for reporting these debts ). 

I demand immediate deletion of these accounts due to Experian 's noncompliance with the FCRA.

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 2024-11-16 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: CA

Complaint narrative:
Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( XXXX ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 
The disputed item is as follows : Account Name : [ XXXX XXXX XXXX ] Date Listed : [ XXXX. XXXX, XXXX ] Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated XXXX investigation period. Failure to comply may result in further action to enforce my rights under the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, 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 2024-11-16 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: CA

Complaint narrative:
Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 
The disputed item is as follows : Account Name : [ XXXX XXXX XXXX ] Date Listed : [ XXXX. XXXX, XXXX ] Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated XXXX investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, 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 2024-11-16 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX. Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2024-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
The debt collector, Sunrise Credit Services , Inc., located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, has continued collection efforts against me although the South Carolina statute of limitations for obtaining a judgment against me has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A paymet of {$500.00} was made from my BOA savings account to XXXX XXXX XXXX Credit card. Unfortunately, the XXXX XXXX XXXX XXXX account ( # XXXX ) was closed multiple years ago. I have tried to contact XXXX XXXX XXXX and they are not able to pull up my account because it was closed years ago. BOA Bill Pay has been requested to work with XXXX XXXX XXXX to have the fund reversed. I was provided Case ID XXXX. BOA has contact XXXX XXXX XXXX however the issue has not been resolved after multiple weeks.

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 monetary relief
Consumer complaint received 2024-11-16 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I believe these entries are the result of unauthorized activity. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to request the removal of these fraudulent entries. 
Accounts to XXXX and Delete : XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$220.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$260.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$530.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$1200.00} XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$3000.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$250.00} XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$220.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$210.00} XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$1200.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$250.00} XXXX. XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Inquiries to Block and Delete : XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: MD

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding a fraudulent account reported on my credit file. 
Despite my efforts to address this directly with the credit bureau ( s ), they have failed to take the appropriate action as mandated under the Fair Credit Reporting Act ( FCRA ). 
The account in question is listed with the following details : - Account Number : XXXX - Type : Auto Loan Issue : This account is fraudulent and does not belong to me. I have disputed this with the credit bureau ( XXXX ), but they failed to verify the information appropriately or comply with my request for immediate investigation and deletion under the FCRA. 
Under FCRA Section 611, I requested temporary deletion of this account while the investigation is ongoing, or permanent deletion if verification could not be achieved.

The credit bureau ( s ) failed to comply with this legal requirement and did not provide sufficient evidence to validate this account.

My Requests : 1. Immediate Deletion : - I am requesting that the credit bureau ( s ) immediately delete this account as it is fraudulent. If itcannot be verified with the original signed contract, chain of custody, and matching identification used to open the account, it must be permanently removed.

2. Investigation : - I demand the credit bureau ( s ) provide a complete investigation and verification process, including : - The original signed contract authorizing this account.

- The ID used to open this account and proof it matches my information.

- Full chain of custody of the account and records of all transfers.

- Proof of legal authority and licensing of the debt collector/creditor to collect this debt.

3. Compliance with the Law : - The credit bureau ( s ) must comply with FCRA Section 611 by ensuring the accuracy of the information reported. Failure to comply should result in penalties and enforcement action.

This fraudulent account is harming my creditworthiness and causing significant distress. I expect prompt action from your office to investigate this matter and ensure compliance with federal laws protecting consumers like me.

I have attached all relevant documentation, including my correspondence with the credit bureau ( s ) and copies of my credit report reflecting this account.

Thank you for your immediate attention to this matter. Please do not hesitate to contact me if further information or documentation is required. thank you

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