vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries appearing on my credit report, as I am a victim of a recent data breach. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts be blocked and removed from my credit file. 
The following accounts are fraudulent and were not opened by me : XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Additionally, the following inquiries were made without my authorization. Please remove these inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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:
I am writing to formally request the blocking and deletion of an unauthorized account on my credit report that was created as a result of a data breach. Under the protections provided by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent account removed from my credit file. 
Please delete the following account from my credit report : XXXX - XXXX - XX/XX/year> - {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - {$00.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : XXXX, XXXX XXXX XXXX : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

My identity ( including but not limited to : my name, address, passwords, and SSN ) were allegedly leaked in a data leak on the dark web according to XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
My information was stolen and use and a data breach, which was used certain companies using my information as if I authorize it on a lot of different joint accounts. I have no knowledge of the accounts please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Credit Reporting and Unverified Information To Whom It May Concern : I am writing to file a formal complaint regarding the unresolved inaccuracies and unverified information on my credit report, which is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Despite my initial dispute with the credit reporting agency ( XXXX ) dated XX/XX/XXXX, the disputed items have not been corrected or removed. 

Details of Disputed Accounts : Account XXXX : XXXX XXXX  Account Number : XXXX Account Type : Revolving - Credit Card Date Opened : XXXX Balance : {$0.00} Credit Limit : {$300.00} High Credit : {$430.00} Payment Status : As Agreed Late Payment Status : Was 30 Days Late 2 Times Comments : Current Account/Was 30 Days Past Due Date Two Times, Account Information Disputed By Consumer Discrepancies : Reported with both XXXX and XXXX as Date Last Active. 

Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Type : Installment/Open - Factoring Company Account Date Opened : XXXX Balance : {$2600.00} High Credit : {$2600.00} Payment Status : Collection or Charge Off Late Payment Status : Was 90 Days Late 18 Times Comments : Account Seriously Past Due Date/Account Assigned To Attorney, Collection Agency, Or Credit Grantor 's Internal Collection Department , Account Information Disputed By Consumer Discrepancies : Reported with conflicting statuses ( Closed and Open ) and impossible dates ( XXXX and XXXX ) as Date Last Active. 

Disputed Items and Grounds for Complaint : Despite my request for verification under FCRA 609 ( a ) ( 1 ) ( A ), the credit reporting agency failed to provide the necessary documentation or correct the inaccuracies. 

Inaccurate Reporting and Impossible Dates : Account 1 : The Date Last Active has been updated with an impossible future date ( XXXX ), indicating erroneous reporting. 

Account 2 : The account can not be simultaneously reported as both " Closed '' and " Open, '' and it contains impossible dates ( XXXX and XXXX ). 

Erroneous Late Payment Claims : Account 2 : It is reported that I was 90 days late 18 times, which is mathematically impossible given the account 's opening date of XX/XX/XXXX, and the current date. 

These inaccuracies suggest a failure to maintain reasonable procedures to assure maximum possible accuracy of the information reported, as required by FCRA 623 ( a ) ( 1 ) ( A ). I have requested that the credit reporting agency delete the unverifiable and inaccurate information as required under FCRA 611 ( a ) ( 5 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX emailed me about a credit card. He said they had info from previous day where I open checking and savings and this was on XX/XX/24 then on XX/XX/24 I got an alert that my credit had been pulled. He said no it had not I thought was XXXX had not been pulled or no credit. So I investigated to find it was equifax. So in this mix XXXX done nothing he said he would but also basically acted like this was no big deal. The. He made a comment that tuned me up and he received a good old country talking to and he hung up on me. So this is where I bring the attention to CEO and boss. I will soon talk to an attorney to take this to the next level and prove customers info and credit cant be used at his discretion. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: CT

Complaint narrative:
Consumer Name : XXXX XXXX Consumer SSN : XXXX Consumer DOB : XX/XX/year> Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : Alleged Bank Name : XXXX XXXX Alleged Account : XXXX Alleged Bank Name : XXXX XXXX XXXX XXXX Alleged Account : XXXX Alleged Bank Name : XXXX XXXX XXXX XXXX Alleged Account : XXXX Alleged Bank Name : XXXX XXXX XXXX XXXX Alleged Account : XXXX Alleged Bank Name : XXXX XXXX XXXX XXXX Alleged Account : XXXX Alleged Bank Name : XXXX XXXX XXXX XXXX Alleged Account : XXXX Alleged Bank Name : XXXX XXXX XXXX Alleged Account : XXXX Alleged Bank Name : XXXX XXXX  Alleged Account : XXXX Alleged Bank Name : XXXX XXXX  Alleged Account : XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : - XXXX Attached below are supporting documents -Copy of US Passport ( Proof of Identity ) -Copies of a Bank Statement & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report -A Letter formally detailing the information of my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The company due to data breaching. My personal information is out on the XXXX XXXX It has eliminated me from open up eternal bank accounts as well as getting mortgages as well as getting higher extended credit on my existing credit line. I have disputed charges due to incorrect information that was on the credit reports as well as information that was submitted due to identity theft, incorrect addresses as well as incorrect information that was utilized in my name. I have requested this information with proof of being my debt and I have not got any response regarding this matter. I am looking into more in-depth information that would exceed to dismiss this that or debts in collections as well as information that is on my credit that is not correct in existing in the proper manner

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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:
I have reviewed my credit report and there are hard inquiries on my credit report that do not permissible purpose would like these inquiries removed. 

XXXX. XXXX ( Bank ) XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXXXXXX XXXX XXXX ( Bank ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have had XXXX of overdraft fees from NFCU, and some of that was due to my money management, sure but on many occasions ( theres probably over XXXX, so I dont have dates ) I would have the money posted to the account before the amount was finished processing, ie it was still showing as pending when I got the NSF fee, and the money was in my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: FL

Complaint narrative:
I have reviewed my credit report and there are hard inquiries on my credit report that do not permissible purpose would like these inquiries removed. 

XXXX. XXXX ( Bank ) XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXXXXXX XXXX XXXX  ( Bank ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This situation has been going on for approximately a year where I have sent Equifax information and called to confirm receipt, it is confirmed and then someone else will either follow-up that they indeed do not have the information and I need to re-send or re-submit. After numerous times of losing money on postage and mailings, I started reaching out directly to Equifax only to be continuously routed to individuals in a different country having a language barrier who either can't help me, don't know how to help me, or won't help me. It is frustrating as no creditor can access my report until I get this issue rectified and I am trying to get something very important done that requires that creditors be able to access my report. I have attached several screenshots where I have been on the phone with these people to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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:
I am writing to inform you that I am a victim of a recent data breach, and I am requesting that the following accounts, which I did not authorize, be blocked and deleted from my credit report in accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3100.00} XXXX - XXXX - XX/XX/XXXX - {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX Credit Collection Services XXXX XXXX Re : Dispute of Account : XXXX To Whom It May Concern, I am writing to dispute the validity of the alleged debt associated with the above-referenced account. Under the provisions of the federal Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I hereby exercise my rights to request that all communication pertaining to this debt be ceased and desisted immediately. 

It has come to my attention that you have been attempting to collect this debt from me, and as per my rights granted by consumer protection laws, I am demanding that all communication cease with me, my family members, friends, or my employer concerning this or any other purported debts you claim I owe. 

According to the FDCPA and FCRA, I have the right to dispute the alleged debt and to request verification of the debt from your agency. I am requesting that you provide me with written documentation, validating the legitimacy of this debt, including the amount owed, the original creditor 's name, and any relevant account information. Until proper validation is provided, I dispute the debt in its entirety. 

Moreover, it is essential to bring to your attention the requirements outlined in the XXXX XXXX XXXX XXXX, which are mandated by the FCRA. Any information you furnish to credit reporting agencies must be accurate, complete, and updated. If you have already reported this debt to any credit bureaus, I demand that you correct any inaccurate information immediately. 

Failure to comply with my request and the relevant consumer laws within 30 days from the date of receipt of this letter will be considered a violation of my rights under the FDCPA and FCRA. In such an event, I will have no choice but to file a complaint with the Federal Trade Commission and the Attorney General of Florida, outlining your non-compliance. 

Please be advised that I am fully aware of my rights under the law and will not hesitate to pursue civil and criminal remedies to ensure my rights are protected. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies that are seriously impacting my credit score. These errors include accounts Ive already paid off marked as unpaid and a few accounts that I dont recognize at all. These mistakes are driving my score down and affecting my access to better interest rates and financial products.

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