vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
I am writing to inform you that I have been a victim of a data breach, which has resulted in the unauthorized use of my personal information. Fraudulent accounts and credit inquiries have been reported on my credit file without my knowledge or consent. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all the fraudulent accounts and inquiries listed below be blocked and permanently deleted from my credit report. 
List of Fraudulent Accounts : XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$670.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. Unauthorized Collection o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1300.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1400.00} XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$360.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX XXXX ( formerly XXXX XXXX ) o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3300.00} XXXX  XXXX  Inquiry : XXXX XXXX - Inquiry Date : 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 2024-11-18 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: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts reported on my credit file, in accordance with **15 USC 1681c-2 ( a ) **. As a victim of identity theft connected to the Equifax data breach, I have noticed accounts or inquiries that are not authorized by me. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that Equifax immediately block and delete the following fraudulent accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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:
My account with was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-18 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:
I am writing to formally request the blocking and deletion of the account and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be removed from my credit report to safeguard my personal and financial information. 
Affected Account : XXXXXXXX XXXX XXXX XXXXXXXX - XXXX - {$7100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I have a thing on my credit that is in collections for the amount of {$690.00} which I am unsure whether this debt is mine as its from XXXX  and I tried calling a company called Portfolio Recovery to request a validation letter on XXXX XXXX and they never sent one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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:
I am writing to formally request the blocking and deletion of the account listed below due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that this account be immediately removed from my credit report to protect my personal and financial information. 
Affected Account : XXXX  XXXX - XXXX - XX/XX/year> - {$1600.00}

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 2024-11-18 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-11-18 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-11-18 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:
I am writing to inform you that I am a victim of a data breach and identity theft, resulting in the unauthorized opening of several fraudulent accounts under my name. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you immediately block and delete the following fraudulent accounts from my credit report : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$23000.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$12000.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$15000.00} XXXX. XXXX XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$17000.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$12000.00} XXXX. XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$23000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$6600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Allied Capital Management, Inc.
State: SC

Complaint narrative:
I have requested that this company ACM stop contacting me on three separate occasions. They dont have an unsubscribe link and theres always a smart reply when I asked them to stop

Company response to consumer: Untimely response
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: VW Credit
State: LA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15552 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: MN

Complaint narrative:
The hard inquiries on my credit report were not authorized. Under 15 USC 1681c-2, please delete them 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 2024-11-18 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: PNC Bank N.A.
State: PA

Complaint narrative:
The incident happened on XX/XX/year>, and they have recently must come to a decision as of XX/XX/year>. I have been undergoing Identity theft since XXXX of XXXX. At the time, I first saw fraud happen across all of my bank accounts. I had mail come up missing. I was dropped off my healthcare because my account was emptied. I had to verify my identity with agencies such as the IRS again. It was a lot. I worked in conjunction with a detective. He very simply stated by the end of it, that these transactions were coming across seas by people they could not do anything about. I have had fraudulent charges probably half of the months this year. Ive seen fraud in XXXX, XXXX, XXXX, food places, online casinos, and so on. Ive seen money getting leaked out of things I casually do own or use, but I wasnt the one purchasing them. It all started back in XX/XX/year>, when I provided my mother my social security so she could make me a beneficiary on her XXXX. From that point on, I began getting scammed text messages. I began getting random phone calls. I began getting a bunch of links to click on. Each and every time moving forward it seemed like it was easier for my stuff to be compromised. Fast forward back to XX/XX/year>. I was super confident I provided PNC enough information that I did not make some of the charges that were present on my account. I gave them screen logs, time stamps, notifications from both them and the merchant of suspicious activity, I showed them the prior fraud attempts. The list goes on of what I provided them, and I kept providing them information as the investigation proceeded. Then, I come to find out on XX/XX/year>, that they plan to take out all of their provisional credit and the only reason on the sheet was because of documentation provided by the merchant, and I didnt get to see any of that. I didnt even get to plea my case. The other banks I had in the past fought for me and got me my money back. They helped me as the consumer. I have had so much difficulty in my life as a XXXX XXXX. I live on my own. I have no family who supports me. The people who know me, know Id not spend these ridiculous amounts in transactions. Ive fought so hard and so diligently, but at the end of the day it all feels like it is for nothing and there is no path forward. I can take 1 step forward but theres always going to be something that takes me 10 steps backwards. I just dont know what it takes to get by in this world because it doesnt feel like hardwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: MO

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 2024-11-18 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : Bankruptcy REMOVAL : US BK CT-XXXX XXXX XXXX Reference number - XXXX Record type Bankruptcy XXXX  XXXX Court : - US BK CT-XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX  - Balance - {$540.00} Account number - XXXXXXXX XXXX XXXX XXXX  - Balance - {$560.00} Account number - XXXXXXXX XXXX XXXX  - Balance - {$0.00} - Balance updated - XX/XX/XXXX Credit limit - {$1300.00} - Account info Account number - XXXX XXXX XXXX XXXX - Credit limit - {$500.00} Account number - XXXX XXXX XXXX  XXXX - Balance - {$560.00} Account number - XXXX XXXX XXXX  XXXX - Account number - XXXXXXXX XXXX  - Paid off XXXX Original balance XXXX {$720.00} Account number - XXXX SCHOOL ACCOUNTS XXXX/DEPT OF ED - Account number - XXXX Date opened- XX/XX/XXXX DEPT OF EDUCATION/XXXX  = Account number - XXXX Date opened- XX/XX/XXXX DEPT OF EDUCATION/XXXX  - Account number - XXXX Date opened - XX/XX/XXXX XXXX OF XXXX - Account number - XXXX Date opened- XX/XX/XXXX DEPT OF EDUCATION/XXXX  - Account number - XXXX Date opened - XX/XX/XXXX DEPT OF EDUCATION/XXXX  - Account number - XXXX Date opened- XX/XX/XXXX DEPT OF EDUCATION/XXXX  - Account number - XXXX Date opened- XX/XX/XXXX INQUIRIES XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 _____________________________________________ FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452

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 2024-11-18 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: IL

Complaint narrative:
I've received a copy of my credit report. Ive noticed it has several inaccuracies, including fraudlent accounts that were previously deleted and are now reporting again. These remarks are hurting my ability to obtain housing for me and my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I continue to have issues with Trans union, and at this time, I would like some answers to why my online access is restricted. I'm able to sign in but when I try to pull credit report, request score, and/or access the dispute center, I'm getting error message " We're unable to complete your request online ''. I had this issue before and I don't understand what seems to be the problem, but this is now the second time I've had issues with Trans union limiting my online access. This is unconstitutional and a form of retaliation in my opinion.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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