vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: CBC Companies, Inc.
State: CA

Complaint narrative:
In XXXX, I became a victim of XXXX XXXX and discovered several fraudulent accounts and inquiries reporting to my Innovis credit file. On XX/XX/XXXX, I submitted a formal dispute to Innovis regarding multiple inaccurate and fraudulent accounts, including an auto lease with XXXX XXXX XXXX for {$13000.00} that is not mine. Despite providing an FTC Identity Theft Report, a signed Affidavit of Dispute, and proof of identity and address, Innovis failed to block or remove the fraudulent accounts as required under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I submitted documentation to correct my name and address, which remain inaccurate on the Innovis report. I have submitted similar disputes to XXXX and XXXX, which resulted in the removal of these same accounts and inquiries. Innovis, however, continues to report them, causing me financial harm and emotional distress. 

Innovis has not fulfilled its obligation to conduct a proper reinvestigation or honor my identity theft documentation under FCRA 1681c-2 and 1681i. I am requesting that Innovis be required to delete the fraudulent accounts, correct my personal information, and be held accountable for noncompliance, including consideration for monetary relief under FCRA and California state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : NCB XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ) and 611 To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I request that you investigate and remove the charge-off account referenced below as it is erroneous. 

Account Details : Account Name : XXXX XXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/year> Disputed Amount : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XX/XX/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 XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: OH

Complaint narrative:
I have disputed all of the attached files several times about incorrect information but it all keeps coming back verified but with different incorrect reapplied information??? It is the duty of all credit reporting agencies under FDCPA regulations for correct, fair, and complete reporting but all these items have been reporting inaccurately and now after several attempts to get the information correctly reported it is still unclear how they have verified there information inaccurately so many times! Consumer Financial Protection Bureau ( CFPB lawsuits against Experian and Equifax for conducting sham investigations and failing to properly investigate consumer disputes. I expect all credit reporting agencies to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. At this time I feel that TransUnion is doing the same shame investigations which is violating my rights. These accounts need to be deleted at this time due to so many inaccuracies. Before I take legal matters I am giving the opportunity to correct all these violations and reporting errors or simply deleting the account from my credit report. 
I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: DC

Complaint narrative:
I am repeatedly being emailed with demands for payment for a debt I do not owe or know anything about. The person has the same name as I do, but their address is different. The most recent email was sent to me on Thursday, XX/XX/year>, at XXXX PM. See attached email chain : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Attention : XXXX XXXX At : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX We have been retained by XXXX XXXX XXXX ( XXXX XXXX XXXX your original XXXX XXXX XXXX, XXXX XXXX account ) for a limited amount of time to help you resolve your late balance of {$1000.00}. XXXX XXXX XXXX sent us your information in order to collect this overdue balance. 

We request that you make a payment and resolve your balance. 

Please click here XXXXXXXX XXXX to view your payment options. You can also respond to this email with any questions. 

Regards, XXXX XXXX TrueAccord Corp . 
( XXXX ) XXXX ( TTY XXXX ) This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Please read below for important disclosures. 

Your TrueAccord account number is : XXXX Unsubscribe XXXX : XXXX Privacy Policy XXXXXXXX XXXX Dispute this debt XXXXXXXX XXXX Need help? Call us at ( XXXX ) XXXX ( TTY XXXX ) XXXX between Monday - Friday, XXXX AM - XXXX PM XXXX XXXX XXXX TrueAccord Corp XXXX 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX We collect personal information to provide our services. We do not sell personal information. Most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. For more details on how we use, share, and delete personal information see our Privacy Policy XXXXXXXX XXXX. 

The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it, and XXXX XXXX XXXX can not report it to any credit reporting agency. 

This was originally an account with XXXX XXXX XXXX, XXXX, account number ending in XXXX You can view your Gramm-Leach-Bliley Privacy Rights by visiting this url XXXX XXXX XXXX XXXX XXXX : XXXX The current creditor is XXXX XXXX XXXX with an account number ending in : XXXX. 

XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
All Hard Inquiries in most part was unauthorized and should be remove effective and immediate from from XX/XX/XXXX to XX/XX/XXXX were complete violation of Federal Credit Reporting Act and FTC law for over 20 inquiries by the bank desparate actions that have desparate impact of my credit utilization score that cause credit denials by banks as unfavorable credit applicants for a credit card loans. They lied about soft pulled and no impact inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I used to have XXXX credit cards with CapitalOne that were closed. I have finally paid them off but they were closed to do fraudulent activity that I did not do but was still left with the payments. Anyways, I would just like them off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-28 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:
I am sending this complaint to formally dispute and request the removal of multiple unauthorized inquiries reported by Equifax that appeared on my credit report. These inquiries were conducted without my consent and are adversely affecting my credit score. 
These inquiries were made without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). As per the FCRA, any inaccurate or unauthorized inquiry must be removed to maintain the accuracy of my credit report. 
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 explanation
Consumer complaint received 2025-03-28 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: EGL US, LLC
State: FL

Complaint narrative:
BMG money keeps reporting Im XXXX  days late as. a single mother its causing my credit to be low forcing me not to get my own apartment approval and net credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My identity was used to open a XXXX XXXX credit card and I have supplied all the documents that XXXX instructed me to submit in XXXX of XXXX. However, I'm still getting calls from the XXXX XXXX XXXX XXXX XXXX who XXXX uses to collect debts. Even worse my credit score has gone from over XXXX to XXXX and my auto insurance has increased XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX, XXXX Account Number : XXXX Balance : {$75.00} Date Opened : XX/XX/XXXX Status : Charged Off XXXX XXXX XXXX Account Number : XXXX Balance : {$690.00} Date Opened : XX/XX/XXXX Status : Charged Off. 
XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$110.00} Date Assigned : XX/XX/XXXX Status : Unpaid Collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft. I recently discovered that my personal information has been fraudulently used without my authorization. Please remove these accounts.

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 2025-03-28 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 formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase replied to my prior complaint XXXX stating they could not respond as I am represented by an attorney. I have since fired my attorney and represent myself only in the matter. proof uploaded. On XX/XX/XXXX, a " duplicate '' recipient was sent {$2800.00} from my account using XXXX. I say " duplicate '' because a similar recipient was already in my registered XXXX recipients. This fraudulent similar recipient had the same entity name as another but the email identity was changed by XXXX letter. I alerted XXXX JPMorgan Chase bank XX/XX/XXXX who told me to go to XXXX, XXXX told me to go to Chase. Chase said they would send detailed documents on the transfer but have never done so. I tried to request " the money back from the fraudulent recipient and now it says " not registered with XXXX. '' Chase absolutely refuses to give me any information or contact the recipient bank to recover my money. I contacted my local congressman, and he alerted me that the XXXX is currently suing XXXX Chase and others for this exact scenario. CFPB XXXX XXXX XXXX XXXX XXXX .... XXXX XXXX XXXX  ) and Chase did nothing to verify the account that my money fraudulently went to nor do they even know the identity of the recipient. I know from my own personal experience that my identity is exhaustively verified in all my financial affairs. How is a transaction like this able to occur within a bank of all places. Chase and XXXX have no clue if this recipient is related to terrorism, paying taxes on the money to the IRS among many other important details let alone protecting me from the basic fraud that has occurred to me personally. Update, Chase refuses to refund adn bases this on " face id '' used to make the transaction. There was another device in my " find my phone '' that i did not add to my apple acct. It was removed when this happened and i found this out. This was fraud using a false device added to my apple acct. This false device was used to make this transaction. I hereby demand to know the exact details of : who received the money and the details of the receiving bank. I need direct contact information.

Company response to consumer: Closed with explanation