vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, XXXX, XX/XX/XXXX, I am submitting this complaint to the Consumer Financial Protection Bureau XXXX CFPB ) regarding Equifax , specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : * XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Account : XXXX XXXX. XXXX Opened : XX/XX/XXXX Account : XXXX  XXXX. XXXX XXXX Opened : XX/XX/XXXX Account : XXXX XXXX. XXXX Opened : XXXX/XXXX/XXXX XXXX Account : XXXX XXXX. XXXX Opened : XX/XX/XXXX Account : XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of Equifax in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I never gave anyone permission to pull my consumer report or to open any accounts in my name. This is identity theft. Please remove all the attached items.

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 2024-11-23 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: OH

Complaint narrative:
I am writing to file a complaint regarding inaccurate information being reported on my credit report by Experian, XXXX and XXXX. I have disputed this information multiple times with the credit reporting agencies, but despite my efforts, the issue has not been resolved. Additionally, I have contacted the company directly requesting verification of the debt, but they have failed to provide the requested documentation or correct the information. 

Here are the details : Disputed Information : The inaccurate information involves an account with XXXX XXXX ; an incorrect balance, wrong account status, incorrect dates of activity. 
Actions Taken : I disputed the information with the three credit reporting agencies on XXXX XXXX XXXX XXXX, but the agencies have not resolved the issue. I also contacted XXXX XXXX directly to request verification of the debt, including account statements, proof of debt and the original contract, but I have not received all documentation or a satisfactory response. 
Request for Documentation : I specifically asked Experian, XXXX and XXXX for proof of the debt and supporting documentation, but they have failed to provide any such information. Despite this, the inaccurate information remains on my credit report. 
I am requesting that the Consumer Financial Protection Bureau assist in resolving this issue, as the credit reporting agencies and the company reporting the debt have failed to properly investigate or substantiate the inaccurate information. I believe this is a violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this dispute.

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 2024-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, XXXX, FDCPA, and METRO 2 COMPLIANCE STANDARDS.

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 2024-11-23 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: PA

Complaint narrative:
I am writing to formally dispute several accounts that l believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX Acct. XXXX. 
XXXX XXXX acct number : XXXX. 
XXXX XXXX XXXX acct number : XXXXXXXX XXXX XXXX  acct number : XXXX XXXX acct. number : XXXXXXXX XXXX XXXX  acct number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2024-11-23 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: MS

Complaint narrative:
I did not authorize these companies to run my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: MS

Complaint narrative:
I did not authorize these companies to run my credit.

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 2024-11-23 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: NY

Complaint narrative:
Subject : Urgent Dispute Fraudulent Accounts on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent information listed on my credit report. For far too long, I have been trying to resolve this matter, but my concerns have been ignored, leaving my financial reputation in jeopardy. This negligence is unacceptable and must be addressed immediately. 

The accounts in question were placed on my report as a result of fraudulent or misleading actions. I have never had any relationship with the company responsible for these accounts or the original creditor. Furthermore, I was XXXX  for several years and was only XXXX  within the last XXXX  months. It is impossible for me to have opened or managed these accounts during that time. 

These accounts are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit bureaus ensure the accuracy and validity of the information they report. Your failure to investigate and resolve this matter in a timely manner constitutes a breach of this legal obligation. 

I demand that you immediately : Conduct a thorough investigation into these fraudulent accounts. 
Remove all false information related to these accounts from my credit report. Provide me with written confirmation of these actions, along with an updated copy of my credit report. 

This matter requires your immediate attention. Should you fail to resolve this issue promptly, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as pursuing legal action to protect my rights. 

I expect a resolution within 30 days, as mandated by the FCRA. Please direct all correspondence regarding this matter to me. 

I trust you will take this situation seriously and act accordingly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX a resident of XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXXsubmit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX a resident of XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>

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 2024-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX 
The fund of {$79000.00} was available in my square account. Please see attachment. 
XX/XX/year>, I attempted to transfer the available amount of the fund {$79000.00} to my bank account linked to my square account. 
XX/XX/year>, I contacted square company about the delay of the transfer and asked for a resolution. Please see attachment. 
XX/XX/year>, Square emailed me back to notify me that the company has deactivated my account. Please see attachment. 
Since the deactivation of my square account, I have been in continuous contact but I never received a good explanation and I always get referred to the initial email that has no reasonable explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please Remove all Fraudulent accounts as i have no knowledge of any of these accounts due to the Equifax data breach and identity theft which is being investigated by the FTC. According to FCRA 605B. This information must be blocked immediately until the investigation over. 

According to 15 U.S. Code 1681c-2, a consumer reporting agency is required to block the reporting of information that a consumer identifies as resulting from identity theft within four business days of notification. It's been 30 days since I reported this issue, and you are in violation of this regulation. I urgently request the removal of these fraudulent accounts from my credit report. 

Moreover, under 15 U.S. Code 1681b, consumer reports can only be furnished with the consumer 's written consent. I never provided such consent, and the presence of these accounts violates my federally protected rights. Lack of consent is tantamount to identity theft. 

Thank you for understanding, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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. 
Please remove the following items from my credit report, immediately XXXX XXXX XXXX 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 2024-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
On XXXX XXXX I Purchased a XXXX  XXXX XXXX XXXX, After carefully reading over my contract I notice alot of mistakes & I was very Confused about my contract, My son came with me to the Dealership, I ask XXXX can I add him on he said yes & the next month he was denied to be on the car, I reached out to XXXX XXXX XXXX & spoken to XXXX XXXXXXXX XXXX Manager, I explain to him how I was Under Duress, Pressured & Rushed to sign the contract because it was closing time & I had been there since that morning, I advised him it was a BREACH OF CONTRACT & he was Committing Commerical Fraud, I ask can he Reimburse my {$2500.00} Down Payment he said no & he never mailed me the Credit Application I ask for, I tried to discuss all the ways he took advantage of the FEDERAL-TRUTH-IN-LENDING DISCLOSURES of me & my son Consumer Credit RIGHTS & He was very Rude, Complicated, Uncooperative to deal with so I advise him I will be sending out my letters : RIGHT OF REISSION on XXXX XXXX  AFFIDAVIT OF TRUTH on XXXX XXXX  FAIR DEBT COLLECTION PRACTICES ACT-REQUEST FOR DEBT VALIDATION AND CEASE AND DESIST on XXXX XXXX  Honda Financial Services is currently in Default of its Legal Obligations under the FDCPA, I sent a second letter on XXXX XXXX  as a follow up, also after my CEASE & DESIST letter they continue to Bill me without VALIDATION...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently discovered that on XX/XX/XXXX Midland Credit Management, a debt buyer, accessed my XXXX credit report without my consent after I had informed them in writing on XX/XX/XXXX to stop contacting me and that I did not consent to giving them my personal information or to enter in to any type of contract with them. This is the second instance where they have accessed my personal information without my consent when I have never entered in to any sort of contract with them and have repeatedly told them not to contact me or use my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These are the fraudulently opened accounts XXXX account number XXXX date opened XX/XX/XXXX with a estimated balance of {$1500.00}. XXXX XXXX XXXX account number XXXX XX/XX/XXXX with a estimated balance of {$15000.00}, XXXX XXXX XXXXXXXX account number XXXX XX/XX/XXXX with a estimated balance of {$14000.00}. XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX with a estimated balance of {$7500.00}, XXXX XXXX XXXX XXXX account number XXXX, XX/XX/XXXX, with a estimated balance of {$3500.00}. XXXX XXXX XXXX XXXX, XX/XX/XXXX with a estimated balance of {$2000.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX, with a estimated balance of {$500.00}, XXXX XXXX  date open XX/XX/XXXX with a estimated balance of {$1900.00}, XXXX XXXX  date opened XX/XX/XXXX with a estimated balance of {$2600.00}, XXXX XXXX, date opened XX/XX/XXXX, account number XXXX with a estimated balance of {$2200.00}, XXXX XXXX  XX/XX/XXXX, account number XXXX, with a estimated balance of {$7000.00}, XXXX XXXX, date opened XX/XX/XXXX, with a estimated balance of {$4600.00}, XXXX XXXX, XX/XX/XXXX, with a estimated balance of {$2700.00} XXXX XXXX XX/XX/XXXXXXXX  balance {$1300.00} XXXX XXXX account number 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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I am writing to formally dispute an entry on my ChexSystems report that I believe is inaccurate and has been incorrectly reported by XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I attempted to open a Trust Account at XXXX XXXX XXXX XXXX, only to discover that there was an outstanding balance of {$160.00} reported by XXXX XXXX XXXX XXXX from XXXX. I was unaware of this account or any associated charges and was surprised to learn that it was listed as an unpaid obligation on my ChexSystems report. 

Upon further investigation, I contacted XXXX XXXX XXXX XXXX, where a representative informed me that the charge had passed the statute of limitations for collection, and as such, XXXX XXXX XXXX XXXX would be removing it from their internal records. However, despite XXXX XXXX XXXX XXXX acknowledgment that they will void the charge in their system, the negative entry remains on my ChexSystems report. 

I am perplexed by this situation, as XXXX XXXX XXXX XXXX has confirmed that they will no longer pursue collection of this debt, and the amount in question is no longer collectible due to the statute of limitations. Despite this, ChexSystems continues to reflect this erroneous charge, which is preventing me from opening an account at XXXX XXXX XXXX XXXX. 

To resolve this matter, I respectfully request that ChexSystems update my report to reflect the accurate status of this charge, as confirmed by XXXX XXXX XXXX XXXX. I am also requesting that ChexSystems remove this negative entry from my report, as it was reported in error, and my conversation with XXXX XXXX XXXX XXXX  that supports my claim. 

Please review this information and have Chex System update my report accordingly. 

I appreciate your prompt attention to this matter and look forward to its swift resolution. Should you need further clarification, I am happy to provide it. 

Thank you for your time and assistance in advance.

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