vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 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:
Re : Dispute of Inaccurate XXXX  XXXX Account on Credit Report Due to Identity Theft To Whom It May Concern : I am writing to dispute an inaccurate XXXX  XXXX account that is being reported on my credit report by XXXX, XXXX, and EXPERIAN and to demand its immediate removal as I am a victim of identity theft. 

The fraudulent account in question is : XXXX XXXX [ Account Name, Account Number as it appears ] This XXXX  XXXX account does not belong to me. I believe I am the victim of identity theft and did not open or authorize this account. I am requesting that it be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow proper procedures to promote maximum accuracy on consumer credit reports. By continuing to report this inaccurate XXXX  XXXX account after being notified it is not mine, [ Name of Credit Bureau ] is violating the FCRA, specifically 15 U.S. Code 1681e ( b ), which requires them to follow reasonable procedures to assure maximum possible accuracy of the information on my report. 

Furthermore, the Fair Credit Billing Act prohibits creditors from continuing to attempt to collect debt that is a result of identity theft once it has been reported as fraudulent. By continuing to report this XXXX  XXXX account, XXXX, XXXX, and EXPERIAN is also violating this law. 

I have enclosed supporting documentation showing I am the victim of identity theft, including : [ List documents enclosed, such as ID theft affidavit ] I demand that XXXX, XXXX, and EXPERIAN conduct a reasonable investigation into this disputed XXXX  XXXX account information as required by law and immediately remove the inaccurate account from my credit report. Please also provide me with updated credit reports from all three national bureaus once the item is removed. 

I appreciate your prompt attention to this serious matter of identity theft and credit report inaccuracy. Please contact me if any additional information is needed.

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 2024-03-29 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: TN

Complaint narrative:
These inquiries were not started by me and it has no permission to create by me.I have no ties to the creditors mentioned. I urge you to promptly remove them from my credit report.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Addresses on Credit Report I am writing to dispute several inaccurate addresses that are being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information on consumer credit reports. 

The following addresses appearing on my credit report are inaccurate, as I have never lived at or had any association with these locations : - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, GA XXXX - XXXX XXXX XXXX  XXXX, XXXX, GA XXXX The FCRA states that items of information that are inaccurate or incomplete must be removed or corrected upon dispute ( 15 U.S. Code 1681i ). Reporting inaccurate addresses associates me with residences I have never lived at, which could potentially harm my creditworthiness and ability to obtain credit, housing, employment, insurance, and other essentials. 

I am formally requesting that your agency investigate this issue and remove or correct the inaccurate address information from my credit file and any reports provided to third parties immediately. Please confirm in writing once the inaccurate information has been removed or updated. 

Thank you for your assistance in correcting my credit report pursuant to the Fair Credit Reporting Act. I look forward to your prompt resolution of 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 2024-03-29 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:
These inquiries were not started by me and it has no permission to create by me.I have no ties to the creditors mentioned. I urge you to promptly remove them from my credit report.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCF Intermediate Holdings LLC
State: PA

Complaint narrative:
XXXX Speedy Cash continues to change the date on my credit report as current This bill is over XXXX years old They are claiming I opened it XXXX  months ago In the amount of {$1200.00} I have disputed in with the credit reporters but they say it is following the guidelines FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: MO

Complaint narrative:
I did not grant permission for these inquiries and strongly suspect they are fraudulent. I implore you to undertake a comprehensive investigation and promptly delete them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Dispute of Bankruptcy Court Statement on Credit Report To Whom It May Concern : I am writing to dispute a statement that has appeared on my credit report from the United States Bankruptcy Court. The statement reads : " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Bankruptcy filings are publicly available records. '' While bankruptcy filings may be publicly available records, including this statement on my credit report violates my rights to privacy under the Fair Credit Reporting Act ( FCRA ). 

The FCRA prohibits the inclusion of information on a consumer credit report that does not bear directly upon the consumer 's creditworthiness or credit standing. 15 U.S. Code 1681c specifically states that consumer reporting agencies may not disclose bankruptcy case records after 10 years, as they are no longer relevant to credit decisions.

Additionally, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 states that bankruptcy public records should be treated as confidential and limits their disclosure.

By including this statement referring to bankruptcy records on my credit report, it implies negative information about my financial situation that is not directly relevant to my current creditworthiness. This violates my privacy rights under the FCRA and the Bankruptcy Act. 

I am formally requesting that this statement be immediately removed from my credit report, as it discloses information prohibited under federal law. Please confirm in writing once this has been corrected. 

Thank you for your prompt attention to correcting my credit report in compliance with the Fair Credit Reporting Act and the Bankruptcy 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 2024-03-29 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 did not grant permission for these inquiries and strongly suspect they are fraudulent. I implore you to undertake a comprehensive investigation and promptly delete them from my credit report.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One credit cards ending in XXXX and XXXX, Beginning in XX/XX/2024 I was not able to continue with payments, and before being in delinquent status I decided to enter into XXXX account # XXXX, The XXXX Capital One cards were listed in this account with others. I was advised by XXXX to change due dates and turn off auto debit, which I did. Capital One accepted the terms with XXXX and the first payment to them was made in early XX/XX/2024, On XX/XX/2024 {$540.00} and {$360.00} were debited from my checking account by Capital One, These XXXX payments were double payments that I didn't approve. I called customer service and they refused to return the money. At this time the accounts are restricted. Based on the Capital One statements, I can provide a statement proving I turned off the auto-debit. This is very unfair to me as a consumer and puts me financially at a disadvantage, I am trying to do the right thing with these creditors and this is how they handle consumers. I can supply any additional documents to prove my story.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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:
Re : Dispute of Inaccurate XXXX  XXXX Account on Credit Report Due to Identity Theft To Whom It XXXX Concern : I am writing to dispute an inaccurate XXXX XXXX  account that is being reported on my credit report by TRANSUNION, XXXX, and XXXX and to demand its immediate removal as I am a victim of identity theft. 

The fraudulent account in question is : XXXX XXXX [ Account Name, Account Number as it appears ] This XXXX XXXXXXXX account does not belong to me. I believe I am the victim of identity theft and did not open or authorize this account. I am requesting that it be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow proper procedures to promote maximum accuracy on consumer credit reports. By continuing to report this inaccurate XXXX XXXX XXXXccount after being notified it is not mine, [ Name of Credit Bureau ] is violating the FCRA, specifically 15 U.S. Code 1681e ( b ), which requires them to follow reasonable procedures to assure maximum possible accuracy of the information on my report.

Furthermore, the Fair Credit Billing Act prohibits creditors from continuing to attempt to collect debt that is a result of identity theft once it has been reported as fraudulent. By continuing to report this XXXX  XXXX account, TRANSUNION, XXXX, and XXXX is also violating this law. 

I have enclosed supporting documentation showing I am the victim of identity theft, including : [ List documents enclosed, such as ID theft affidavit ] I demand that TRANSUNION, XXXX, and XXXX conduct a reasonable investigation into this disputed XXXX XXXX account information as required by law and immediately remove the inaccurate account from my credit report. Please also provide me with updated credit reports from all three national bureaus once the item is removed. 

I appreciate your prompt attention to this serious matter of identity theft and credit report inaccuracy. Please contact me if any additional information is needed.

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 2024-03-29 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:
Re : Dispute of Inaccurate XXXX  XXXX Account on Credit Report Due to Identity Theft To Whom It May Concern : I am writing to dispute an inaccurate XXXX XXXXXXXX account that is being reported on my credit report by XXXX, EQUIFAX, and XXXX and to demand its immediate removal as I am a victim of identity theft. 

The fraudulent account in question is : XXXX XXXX [ Account Name, Account Number as it appears ] This XXXX XXXX account does not belong to me. I believe I am the victim of identity theft and did not open or authorize this account. I am requesting that it be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow proper procedures to promote maximum accuracy on consumer credit reports. By continuing to report this inaccurate XXXX XXXX account after being notified it is not mine, [ Name of Credit Bureau ] is violating the FCRA, specifically 15 U.S. Code 1681e ( b ), which requires them to follow reasonable procedures to assure maximum possible accuracy of the information on my report.

Furthermore, the Fair Credit Billing Act prohibits creditors from continuing to attempt to collect debt that is a result of identity theft once it has been reported as fraudulent. By continuing to report this XXXX XXXX account, XXXX, EQUIFAX, and XXXX is also violating this law. 

I have enclosed supporting documentation showing I am the victim of identity theft, including : [ List documents enclosed, such as ID theft affidavit ] I demand that XXXX, EQUIFAX, and XXXX conduct a reasonable investigation into this disputed XXXX  XXXX account information as required by law and immediately remove the inaccurate account from my credit report. Please also provide me with updated credit reports from all three national bureaus once the item is removed. 

I appreciate your prompt attention to this serious matter of identity theft and credit report inaccuracy. Please contact me if any additional information is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Please see attached file.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Addresses on Credit Report I am writing to dispute several inaccurate addresses that are being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information on consumer credit reports. 

The following addresses appearing on my credit report are inaccurate, as I have never lived at or had any association with these locations : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX, GA XXXX - XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX The FCRA states that items of information that are inaccurate or incomplete must be removed or corrected upon dispute ( 15 U.S. Code 1681i ). Reporting inaccurate addresses associates me with residences I have never lived at, which could potentially harm my creditworthiness and ability to obtain credit, housing, employment, insurance, and other essentials. 

I am formally requesting that your agency investigate this issue and remove or correct the inaccurate address information from my credit file and any reports provided to third parties immediately. Please confirm in writing once the inaccurate information has been removed or updated. 

Thank you for your assistance in correcting my credit report pursuant to the Fair Credit Reporting Act. I look forward to your prompt resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Addresses on Credit Report I am writing to dispute several inaccurate addresses that are being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information on consumer credit reports. 

The following addresses appearing on my credit report are inaccurate, as I have never lived at or had any association with these locations : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX, GA XXXX - XXXX XXXX XXXX  XXXX, XXXX, GA XXXX The FCRA states that items of information that are inaccurate or incomplete must be removed or corrected upon dispute ( 15 U.S. Code 1681i ). Reporting inaccurate addresses associates me with residences I have never lived at, which could potentially harm my creditworthiness and ability to obtain credit, housing, employment, insurance, and other essentials. 

I am formally requesting that your agency investigate this issue and remove or correct the inaccurate address information from my credit file and any reports provided to third parties immediately. Please confirm in writing once the inaccurate information has been removed or updated. 

Thank you for your assistance in correcting my credit report pursuant to the Fair Credit Reporting Act. I look forward to your prompt resolution of 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 2024-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
There are several months listed as ineligible for PSLF while I was in administrative forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: IL

Complaint narrative:
Subject : Dispute of Bankruptcy Court Statement on Credit Report To Whom It May Concern : I am writing to dispute a statement that has appeared on my credit report from the United States Bankruptcy Court. The statement reads : " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Bankruptcy filings are publicly available records. '' While bankruptcy filings may be publicly available records, including this statement on my credit report violates my rights to privacy under the Fair Credit Reporting Act ( FCRA ). 

The FCRA prohibits the inclusion of information on a consumer credit report that does not bear directly upon the consumer 's creditworthiness or credit standing. 15 U.S. Code 1681c specifically states that consumer reporting agencies may not disclose bankruptcy case records after 10 years, as they are no longer relevant to credit decisions. 

Additionally, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 states that bankruptcy public records should be treated as confidential and limits their disclosure.

By including this statement referring to bankruptcy records on my credit report, it implies negative information about my financial situation that is not directly relevant to my current creditworthiness. This violates my privacy rights under the FCRA and the Bankruptcy Act.

I am formally requesting that this statement be immediately removed from my credit report, as it discloses information prohibited under federal law. Please confirm in writing once this has been corrected. 

Thank you for your prompt attention to correcting my credit report in compliance with the Fair Credit Reporting Act and the Bankruptcy 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