vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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 am writing to formally dispute fraudulent accounts that have appeared on my credit report. After recently reviewing my credit report, I identified the following accounts that were opened without my authorization and are negatively impacting my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and credit reporting agencies are required to investigate disputes within 30 days. Since these accounts were opened fraudulently, they should not be reflected on my report. The FCRA mandates that credit reporting agencies must delete or correct any inaccurate, incomplete, or unverifiable information within the specified timeframe. 

Additionally, under the Identity Theft and Assumption Deterrence Act, it is illegal for anyone to use another persons identity for fraudulent purposes. This federal protection also grants me the right to request the removal of fraudulent information from my credit file.

Therefore, I request the following actions be taken immediately : Removal of all fraudulent accounts from my credit report.

Correction of any negative impact these accounts have had on my credit score.

A written confirmation that the fraudulent accounts have been removed or corrected in compliance with federal regulations. 
Please consider this my formal request under the Fair Credit Reporting Act, and I expect an investigation and response to be completed within 30 days as mandated by law. I am also prepared to provide additional documentation if necessary to support my claim. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these fraudulent accounts have been removed and that my credit report has been corrected.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Johnson Mark LLC
State: TX

Complaint narrative:
Debt collectors filed lien, reported and threatened to sue for debt not owed or paid in full.I am a victim of the XXXX XXXX data breach.

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 2024-10-14 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: FL

Complaint narrative:
XXXX XXXX is my XXXX  XXXX  he opened the loan in my name and forged my signature on the loan documents. On the date in question I went to the dealership with them to see if I could assist with the purchase of a car. The dealer took a copy of my license for the credit check, there was nothing there they could afford with the money they had. I left the dealership since I drove my own car there I was no longer needed due to them not getting a car. In XXXX of XXXX  I moved to XXXX  when I went to try and purchase a car since I left the one I had to my son for school It was brought to my attention from the dealership I couldn't get approved for another car loan? I was confused because my other car was fully paid off. When checking my credit report I saw the loan from XXXX XXXX. I contacted them requested the documents from the loan and saw that XXXX initiated this loan and signed my signature. I confronted him and my daughter and she denied it. I filed a police report with XXXX XXXX in XXXX  and an investigation was started. XXXX is now XXXX  long term and the car is no where to be found my daughter states she doesn't know where it is. I need this vehicle off my credit report it has affected me significantly.

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 2024-10-14 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:
XXXX XXXX is my XXXX XXXX  he opened the loan in my name and forged my signature on the loan documents. On the date in question I went to the dealership with them to see if I could assist with the purchase of a car. The dealer took a copy of my license for the credit check, there was nothing there they could afford with the money they had. I left the dealership since I drove my own car there I was no longer needed due to them not getting a car. In XXXX of XXXX  I moved to XXXX  when I went to try and purchase a car since I left the one I had to my son for school It was brought to my attention from the dealership I couldn't get approved for another car loan? I was confused because my other car was fully paid off. When checking my credit report I saw the loan from XXXX XXXX. I contacted them requested the documents from the loan and saw that XXXX initiated this loan and signed my signature. I confronted him and my daughter and she denied it. I filed a police report with XXXX XXXX in XXXX  and an investigation was started. XXXX is now XXXX  long term and the car is no where to be found my daughter states she doesn't know where it is. I need this vehicle off my credit report it has affected me significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 explanation
Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Dispute of lnaccurate lnformation and Failure to Correct Errors in Violation of the FCRA To Whom lt MaY Concern, I am following up on my dispute letter regarding the inaccurate information on my credit report ' which Experian has improperly verified. Despite providing my government-issued lD and proof of address, Experian has failed to remove the following inaccuracies : - lnquiry from XXXX XXXX XXXX XXXX XXXX XXXX - lncorrect Addresses : - XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX XXXX XXXX ; XXXX, FL XXXX - lncorrect Names : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX, the court ruled that credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items ' The reporting agency in that case failed to do so by relying solely on the creditor 's information ' Experian is similarly violating 1.5 U.S.C. 168Li by failing to remove the inaccuracies in my report ' despite having provided evidence of my true identity and address ' Additionally, Pintos v. Pacific Creditors Association ( 605 F 3d 665, gth Cir ' 2010 ) makes it clear that credit inquiries must have a permissible purpose under the FCRA ' The inquiry from XXXX XXXX XXXX was unauthorized and is in violation of 15 U'S'C ' 1681b ' I did not apply for credit from this company or authorize this inquiry. The unauthorized inquiry is a clear violation of the FCRA and must be removed immediately.

Violations of the FCRA Experian is currently violating the following provisions of the Fair Credit Reporting Act ( FCRA ) : - FCRA 511 ( aXLXA ) - Experian is required to conduct a proper investigation once I have disputed the information, which I did, providing sufficient proof ' - FCRA 611 ( aX6XBXiii ) - Experian is obligated to provide me with the verification details or procedures that were used to confirm the accuracy of the information, which has not been done.

- FCRA 168Lb - The unauthorized inquiry by XXXX XXXX XXXX is in violation of permissible purposes under this section. 
Despite these ctear violations and my submission of sufficient identification, Experian continues to report inaccurate and fraudulent information on my credit report ' I demand the immediate removal of these inaccuracies. lf Experian fails to comply, I am prepared to take further legal action and report these violations to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 
Sincerely, 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 2024-10-14 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and showing a late payment. Please provide proof of the late dates and update the status to current or paid as agreed. 

2. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and showing a late payment. Please provide proof of the late dates and update the status to current or paid as agreed. 

3. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

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 2024-10-14 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and showing a late payment. Please provide proof of the late dates and update the status to current or paid as agreed. 

2. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and showing a late payment. Please provide proof of the late dates and update the status to current or paid as agreed. 

3. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

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 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 2024-10-14 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: CA

Complaint narrative:
The presence of these inquiries and accounts on my credit report violates 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ) which goes against the XXXX XXXX XXXX XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX FIN XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX LATE PAYMENTS : 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 2024-10-14 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: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
I have asked for debt validation as well as the purchase agreement from XXXX XXXX XXXX saying the collection agency owes the debt. I have only ever had XXXX XXXX XXXX for wireless services, which are paid to date. When calling XXXX XXXX XXXX they stated there has been no record of the alleged debt.

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 2024-10-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
This card was not mine. I only had one XXXX credit card and they attached two to my account which I never realised. Then kept taking payments and trying to overdraw my account. Then I got something from Jefferson capital saying they owned this card and account that was not mine or opened with my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian Credit Reporting Agency , block information appearing on my consumer credit report that is the result of Identity Theft and Fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of two personal credit card accounts opened at XXXX XXXX on XX/XX/year>, Acct # XXXX with a balance of {$1400.00}, and XXXX XXXX  opened on XX/XX/year> Acct # XXXX with a balance of {$730.00}, both aforementioned accounts have resulted in charge-offs being reported on my consumer XXXX Credit Reports. One other fraudulent account opened at XXXX the transportation solution opened on XX/XX/year> Acct # XXXX in collections XXXX XXXX XXXX XXXX with a high balance of {$4000.00}. These accounts have resulted in several fraudulent hard inquiries, fraudulent charge-offs and collections appearing on my consumer XXXX Credit Reports. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the above fraudulent items. I do not recognize the above accounts, collections, charge-offs, or hard inquiries as reported. The above accounts, collections, charge-offs, and hard inquiries are the result of Identity Theft and Fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint Case # XXXX as proof from the US Federal Trade Commission that all the above consumer credit accounts, collections, charge-offs, and hard inquiries are the result of Identity Theft and Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation