vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for a period of one year, at which point I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
Several times I have contacted [ CREDIT BUREAU NAME ] regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These collections have been removed by other credit bureaus but remain unverified and inaccurately reported by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60 days. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you make a fair and informed decision in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for a period of one year, at which point I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
Several times I have contacted [ CREDIT BUREAU NAME ] regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These collections have been removed by other credit bureaus but remain unverified and inaccurately reported by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60 days. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you make a fair and informed decision in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-03 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-03 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Fresh Holdings Inc
State: NM

Complaint narrative:
I've sent multiple emails to Credit Fresh customer support and their funding arm XXXX XXXXXXXX XXXX requesting explanations for sending my current account to collections causing a XXXX points drop in my credit score. I was honoring their own repayment terms per their own repayment agreement... .no delinquencies. 

XXXX replied to me via EMAIL ME TODAY, XX/XX/year>, AND REFERENCED MY XX/XX/year> phone call with customer support. 
NOW If I made a XX/XX/year> Credit Fresh customer support phone call to arrange skipping XXXX and XXXX payments and repaying them ..... 

HOW COULD XXXX XXXX XXXX STATE THAT I MISSED MY XX/XX/year> PAYMENT IN A XX/XX/year> PHONE CALL? 

YOU CAN'T MAKE THIS STUFF UP. 

XXXX STATES, XX/XX/year>. I'M QUOTING ...... 
" We have reviewed email communications and listened to the call made on XX/XX/year>. In the call, you noted that you were unable to complete your payment due for XX/XX/year>, and our representative noted that you had already missed your XX/XX/year> payment. '' YOU CAN'T MAKE THIS STUFF UP. 

I told XXXX XXXX XXXX XXXX XXXX XXXX I would secure phone records if I did not receive copies of the original line of credit agreement and the repayment agreement. 

Despite being current with my line of credit account, despite honoring the repayment terms as defined by their own repayment agreement, DESPITE XXXX LYING ABOUT FACTS O XXXX XXXX XXXX XXXX STILL CHOSE TO SEND my CURRENT account to XXXX collections XXXX 

I've contacted XXXX XXXX, General Counsel for XXXX XXXX XXXX regarding this matter. Since there's no email for XXXX XXXX on XXXX website, I have messaged XXXX XXXX via XXXX. IN my XXXX message I REQUESTED an explanation for sending my CURRENT line of credit account to Collections. 

Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NM

Complaint narrative:
I've sent multiple emails to XXXX XXXX customer support and their funding arm XXXX XXXX XXXX  requesting explanations for sending my current account to collections causing a XXXX points drop in my credit score. I was honoring their own repayment terms per their own repayment agreement... .no delinquencies. 

XXXX replied to me via EMAIL ME TODAY, XX/XX/year>, AND REFERENCED MY XX/XX/year> phone call with customer support. 
NOW If I made a XX/XX/year>XXXX XXXX XXXX customer support phone call to arrange skipping XXXX and XXXX payments and repaying them ..... 

HOW COULD XXXX XXXX XXXX  STATE THAT I MISSED MY XX/XX/year> PAYMENT IN A XX/XX/year> PHONE CALL? 

YOU CAN'T MAKE THIS STUFF UP. 

XXXX STATES, XX/XX/year>. I'M QUOTING ...... 
" We have reviewed email communications and listened to the call made on XX/XX/year>. In the call, you noted that you were unable to complete your payment due for XX/XX/year>, and our representative noted that you had already missed your XX/XX/year> payment. '' YOU CAN'T MAKE THIS STUFF UP. 

I told XXXX ( XXXX XXXX XXXX  ) I would secure phone records if I did not receive copies of the original line of credit agreement and the repayment agreement. 

Despite being current with my line of credit account, despite honoring the repayment terms as defined by their own repayment agreement, DESPITE XXXX LYING ABOUT FACTS O XXXX XXXX XXXX XXXX STILL CHOSE TO SEND my CURRENT account to Transunion collections XXXX 

I've contacted XXXX XXXX, General Counsel for XXXX XXXX XXXX, regarding this matter. Since there's no email for XXXX XXXX  on XXXX website, I have messaged XXXX XXXX via XXXX. IN my XXXX message I REQUESTED an explanation for sending my CURRENT line of credit account to Collections. 

Thank you for your help in 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 non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Account Number : Business Gold CardXXXX & Blue Business Cash ( TM ) XXXX To Whom It May Concern : XXXX  XXXX My accounts WERE INCORRECTLY charged, due to first party fraud & account takeover, due to Identify theft. Due to first party fraud & identify theft, personal accounts were OPENED and used incorrectly while I was in the hospital. No one was authorized to open an account with XXXX  XXXX CREDIT CARDS or TO be able to go in my personal checking account and withdraw money. There was fraud on my account, and I will upload all supporting documents including letters and emails that it was not me and I was not aware of suspicious charges or debit that was taking place on this or these accounts, due to the facts I was in the hospital from XX/XX/XXXX - XX/XX/XXXX. I would like for my funds to be credited back by check and all systems be update over the company so all delinquent past or present XXXX XXXX credit obligation ( s ) be removed from my name and account.

Based on your application information, there are too many delinquent past or present XXXX  XXXX credit obligation ( s ) Based on your application information, we observed activity on a prior XXXX  XXXX account that is not consistent with our expectations for account usage or the terms of the account agreement Thanks, In advance American Express XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
I have been advised multiple times by my loan servicer that I will not accrue any interest during my administrative forbearance but Ive received an email from MOHELA today ( XX/XX/year> ) stating that I will be accruing interest during my forbearance term.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX. XXXX : XXXX. XXXX : XX/XX/XXXX This FCBA complaint is being filed to request pursuant to FCRA that you, the transunion reporting agency block information appearing on my consumer report that is the result of identity fraud and identity theft within 4 to 5 business days of receiving this complaint. The following accounts and collections are the result of that identity theft and I have no recollection of said accounts. XXXX XXXX  opened XX/XX/XXXX for the amount of {$530.00}. XXXX XXXX  opened XX/XX/XXXX for the amount of {$530.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$2600.00}. XXXX XXXX XXXX  opened XX/XX/XXXX for the amount of {$170.00}. XXXX XXXX  opened XX/XX/XXXX for the amount of {$900.00}. XXXX XXXX XXXX  opened XX/XX/XXXX for the amount of {$430.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$440.00}. XXXX XXXX  opened XX/XX/XXXX for the amount of {$400.00}. The following accounts have resulted in several fraudulent, hard inquiries and fraudulent collections on my credit profile. None of these accounts were made or initiated by me. I will be attaching several FTC complaints that I have also filed as proof that these accounts were opened fraudulently and were the result of identity theft. The reference numbers for said complaints are as follows. XXXX and XXXX. I will also be attaching identification verification

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX. XXXX : XXXX. XXXX : XX/XX/XXXX This XXXX  complaint is being filed to request pursuant to FCRA that you, the XXXX reporting agency block information appearing on my consumer report that is the result of identity fraud and identity theft within 4 to 5 business days of receiving this complaint. The following accounts and collections are the result of that identity theft and I have no recollection of said accounts. XXXX XXXX  opened XX/XX/XXXX for the amount of {$530.00}. XXXX XXXX  opened XX/XX/XXXX for the amount of {$530.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$2600.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$170.00}. XXXX XXXX  opened XX/XX/XXXX for the amount of {$900.00}. XXXX XXXX XXXX  opened XX/XX/XXXX for the amount of {$430.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$440.00}. XXXX XXXX opened XX/XX/XXXX for the amount of {$400.00}. The following accounts have resulted in several fraudulent, hard inquiries and fraudulent collections on my credit profile. None of these accounts were made or initiated by me. I will be attaching several FTC complaints that I have also filed as proof that these accounts were opened fraudulently and were the result of identity theft. The reference numbers for said complaints are as follows. XXXX and XXXX. I will also be attaching identification verification

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
Ive discovered that my credit report has inaccurate personal information, which is causing multiple unknown and incorrect accounts to show up.

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 2024-12-03 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: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-12-03 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: Early Warning Services, LLC
State: TN

Complaint narrative:
I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX  XXXX XXXX XXXX  Open date : XX/XX/XXXX Routing # XXXX Account # XXXX XXXX  XXXX XXXX Open date : XX/XX/XXXX Routing # XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Routing # XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Routing # XXXX Account # XXXX XXXX XXXX  XXXX XXXX Open date ; XX/XX/XXXX Routing # XXXX Account # XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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 recently received a copy of my credit report and noticed collections and closed accounts on my credit file that are not accurate nor do i recognize them. These inaccurate accounts are violating my rights and hurting my ability to obtain credit. 
I recently contacted XXXX multiple times about removing these accounts off my credit Report and didnt get it resolved at all. 

XXXX {$750.00} XXXX XXXX  {$890.00} XXXX XXXX  {$950.00} XXXX XXXX XXXX {$6100.00} XXXX XXXX  {$1000.00} XXXX XXXX XXXX  {$19000.00} XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX {$930.00}

Company response to consumer: Closed with non-monetary relief