vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$1000.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$810.00} XXXX XXXX BALANCED {$790.00} XXXX XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXXXXXX {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX {$490.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 explanation
Consumer complaint received 2024-11-20 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-20 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: AL

Complaint narrative:
There are discrepancies in my credit report, with late payments that don't align with my history. Please make the necessary corrections.

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 2024-11-20 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: NV

Complaint narrative:
Hard inquiries on my credit report were not authorized by me. Remove these errors under 15 USC 16c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: CA

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

XXXX XXXX Account # XXXX. 

The consumer reporting agency that is reporting this account has violated my rights. I looked at my Transunion credit report after I received an alert regarding an account that was being reported, XXXX. 

Upon further review, I noticed some of the information on this account is incomplete and inaccurate. 

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ass

ure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). Additionally, according to 15 USC 1681 5 the consumer reporting ag ency is supposed to do this in reference to ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general, 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.

Also, according to 15 USC 1681s-2 the consumer reporting agency is not supposed to 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. 

The information on this account is inaccurate and I am requesting for it to be removed from my credit report according to the laws of the Fair Credit Reporting Act.

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 2024-11-20 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: CA

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

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX. 

The consumer reporting agency that is reporting this account has violated my rights. I looked at my Equifax credit report after I received an alert regarding an account that was being reported, XXXX. 

Upon further review, I noticed some of the information on this account is incomplete and inaccurate. 

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 ).

Additionally, according to 15 USC 1681 5 the consumer reporting agency is supposed to do this in reference to ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In gene
ral, 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.

Also, according to 15 USC 1681s-2 the consumer reporting agency is not supposed to 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. 

The information on this account is inaccurate and I am requesting for it to be removed from my credit report according to the laws of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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:
I am filing this complaint regarding inaccuracies on my credit report related to the XXXX XXXX auto loan account. Upon reviewing my credit report from XXXX, XXXX, and Equifax, I discovered several discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and have caused me undue harm. 

Inconsistent Reporting Across Credit Bureaus The XXXXXXXX XXXX account shows conflicting information about the Date of Last Activity across the XXXX credit bureaus : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX These discrepancies indicate a failure to report accurate and consistent information, violating FCRA Section 607 ( b ), which mandates that credit bureaus must ensure maximum possible accuracy in reporting. 

Failure to Properly Update Disputed Accounts The XXXX XXXX  account is marked as " Dispute resolved; customer disagrees '' on XXXX and " Consumer disputes after resolution '' on Equifax. However, the dispute status is not accurately reflected across all bureaus.

Under FCRA Section 611 ( a ) ( 5 ) ( B ), when an account is disputed, it must be clearly marked as disputed until the investigation is fully resolved. The failure to do so is a violation of this section. 

Incomplete Information Regarding Original Creditor The XXXX XXXX  account lacks essential details about the original creditor, which is a violation of FCRA Section 609 ( a ) ( 1 ). Consumers have the right to receive complete and transparent information, which is not reflected in the report. 

Improper Reporting of Payment History The last payment date on the XXXX XXXX  account is listed as XX/XX/XXXX on both XXXX and XXXX, yet the account remains open with balances reported well beyond that date. This suggests inaccurate reporting and failure to update the account properly, which violates FCRA Section 623 ( a ), requiring furnishers to report accurate information. 

Requested Resolution : Given these significant inaccuracies and violations of the FCRA, I request that the XXXX XXXX  account ( Account Number : XXXX ) be deleted from my credit report. These errors have harmed my creditworthiness, and I believe the account does not accurately reflect my credit history. 

I kindly ask that you investigate these issues and take immediate action to correct my credit report. Please notify me of the actions you take in response to this complaint. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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:
I am filing this complaint regarding inaccuracies on my credit report related to the XXXX XXXX auto loan account. Upon reviewing my credit report from XXXX, Experian, and XXXX, I discovered several discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and have caused me undue harm. 

Inconsistent Reporting Across Credit Bureaus The XXXX XXXX  account shows conflicting information about the Date of Last Activity across the XXXX credit bureaus : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX These discrepancies indicate a failure to report accurate and consistent information, violating FCRA Section 607 ( b ), which mandates that credit bureaus must ensure maximum possible accuracy in reporting. 

Failure to Properly Update Disputed Accounts The XXXX XXXX  account is marked as " Dispute resolved; customer disagrees '' on Experian and " Consumer disputes after resolution '' on XXXX. However, the dispute status is not accurately reflected across all bureaus.

Under FCRA Section 611 ( a ) ( 5 ) ( B ), when an account is disputed, it must be clearly marked as disputed until the investigation is fully resolved. The failure to do so is a violation of this section. 

Incomplete Information Regarding Original Creditor The XXXX XXXX  account lacks essential details about the original creditor, which is a violation of FCRA Section 609 ( a ) ( 1 ). Consumers have the right to receive complete and transparent information, which is not reflected in the report. 

Improper Reporting of Payment History The last payment date on the XXXX XXXX  account is listed as XX/XX/XXXX on both XXXX and Experian, yet the account remains open with balances reported well beyond that date. This suggests inaccurate reporting and failure to update the account properly, which violates FCRA Section 623 ( a ), requiring furnishers to report accurate information. 

Requested Resolution : Given these significant inaccuracies and violations of the FCRA, I request that the XXXX XXXX  account ( Account Number : XXXX ) be deleted from my credit report. These errors have harmed my creditworthiness, and I believe the account does not accurately reflect my credit history. 

I kindly ask that you investigate these issues and take immediate action to correct my credit report. Please notify me of the actions you take in response to this complaint. 

Thank you for your 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 explanation
Consumer complaint received 2024-11-20 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: MD

Complaint narrative:
Hard inquiries on my report are invalid as they werent authorized. Remove them according to 15 USC 16c-2.

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 2024-11-20 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-20 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-20 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: IL

Complaint narrative:
Giving another opportunity to validate and verify these accounts and make the necessary corrections. By law, I have the right to request the validity of these accounts be investigated for accuracy per the FCRA Law guidelines, yet I have not received anything as to the validation of these accounts. I am requesting a re-investigation of these accounts be made and proof of validation be sent to me, including who was spoken to and what documents were provided to validate and substantiate the debts belong to me as they do not. XXXX, Equifax and XXXX are breaking the law. I have proof that they never re-investigated my disputes also. Please delete these accounts! The following accounts and companies are in violation : XXXX  XXXX Date opened XX/XX/XXXX XXXX {$4500.00} Status Account charged off. {$4500.00} written off. {$4500.00} past due as of XX/XX/XXXX. XXXX XXXX  Date opened XX/XX/XXXX XXXX {$7800.00} XXXX Account charged off. {$7800.00} written off. {$7800.00} past due as of XX/XX/XXXX. XXXX Date opened XX/XX/XXXX XXXX {$550.00} XXXX Account charged off. {$550.00} written off. {$550.00} past due as of XX/XX/XXXX. XXXX XXXX Date opened XX/XX/XXXX XXXX {$7200.00} XXXX Account charged off. {$7200.00} written off. {$7200.00} past due as of XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$32000.00} XXXX Account charged off. {$32000.00} written off. {$32000.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$190000.00} Status OpenXXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3600.00} Status Collection account. {$3600.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$330.00} Status Collection account. {$33.00} XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX-account number XXXX XXXX XXXX account XXXX XXXX and inquiries : XXXX XXXX  XXXX on XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: IL

Complaint narrative:
Giving another opportunity to validate and verify these accounts and make the necessary corrections. By law, I have the right to request the validity of these accounts be investigated for accuracy per the FCRA Law guidelines, yet I have not received anything as to the validation of these accounts. I am requesting a re-investigation of these accounts be made and proof of validation be sent to me, including who was spoken to and what documents were provided to validate and substantiate the debts belong to me as they do not. Experian, XXXX and XXXX are breaking the law. I have proof that they never re-investigated my disputes also. Please delete these accounts! The following accounts and companies are in violation : XXXX  XXXX Date opened XX/XX/XXXX XXXX {$4500.00} XXXX Account charged off. {$4500.00} written off. {$4500.00} past due as of XX/XX/XXXX. XXXX XXXX  Date opened XX/XX/XXXX XXXX {$7800.00} XXXX Account charged off. {$7800.00} written off. {$7800.00} past due as of XX/XX/XXXX. XXXX Date opened XX/XX/XXXX Balance {$550.00} Status Account charged off. {$550.00} written off. {$550.00} past due as of XX/XX/XXXX. XXXX XXXX Date opened XX/XX/XXXX Balance {$7200.00} Status Account charged off. {$7200.00} written off. {$7200.00} past due as of XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$32000.00} Status Account charged off. {$32000.00} written off. {$32000.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$190000.00} Status Open. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3600.00} Status Collection account. {$3600.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$330.00} Status Collection account. {$33.00} XXXX account number XXXX XXXX XXXX  XXXX account number XXXX Macys-account number XXXX XXXX XXXX account XXXX XXXX and inquiries : XXXX XXXX  Inquired on XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX  XXXX Bank ) 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 explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report shows several accounts I didn't authorize and believe are inaccurate. Please block and remove these fraudulent entries at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: MA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue 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