vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: TX

Complaint narrative:
I am submitting this formal complaint regarding fraudulent accounts wrongfully placed on my credit report, which directly stem from my personal information being compromised in the widely publicized 2017 data breach. These accounts were fraudulently opened in my name without my knowledge or consent, and the resulting damage to my credit and financial standing is wholly unacceptable. This is a serious identity theft matter, and I am formally asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. You are required by federal law to act swiftly and decisively to resolve this issue. 
The fraudulent accounts include : XXXX XXXX XXXX bal {$660.00} XXXX XXXX  XXXX XXXX  XXXX. {$430.00} XXXX XXXX XXXX bal. {$660.00} XXXX XXXX XXXX XXXX  bal. {$970.00} XXXX These accounts have resulted in unauthorized hard inquiries, adverse collection actions, and irreparable harm to my financial reputation. The burden of these fraudulent activities is not mine to bear, and the delay in addressing them is inexcusable. Under 15 U.S.C. 1681c-2, you are legally obligated to remove and block this fraudulent information from my credit report within four ( 4 ) business days of this notice. Additionally, 15 U.S.C. 1681s-2 mandates the immediate cessation of all collection activity related to these accounts. These laws are not optional, and I will not tolerate any further delay or negligence on your part. You should be fully aware that this situation arises from your failure to protect consumer data during the 2017 breach. This is not just an issue of fraudit is a consequence of your gross negligence, and you bear full responsibility for resolving it. Failure to comply will have severe consequences This is a final demand for immediate and complete resolution. I expect written confirmation within the required timeframe that : The fraudulent accounts have been removed and blocked from my credit report. All collection activities related to these accounts have ceased. Do not underestimate the seriousness of this issue. You are being given a lawful opportunity to correct this matter ; should you fail to act, you will leave me no choice but to escalate this aggressively and relentlessly through every legal and regulatory channel available. This is your final warning. Act now to resolve this matter 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 2024-12-09 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The complaint, referenced as FTC Complaint Number XXXX, was filed on XX/XX/XXXX. 

Complaint Description : My credit report shows several unauthorized inquiries that were made without my consent. When I contacted the creditors responsible for these inquiries, they confirmed that they have no evidence to show that I initiated the inquiries. Additionally, they could not provide any written or verbal authorization from me to support these actions. 
Given the lack of valid authorization for these inquiries, I formally requested their immediate removal. However, the credit bureau has failed to provide a satisfactory response to my request, prompting me to escalate the matter to the FTC. 
Details of Disputed Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely 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 2024-12-09 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: RI

Complaint narrative:
I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. Also, I'm on social security and I'm on state insurance. 

medical payment XXXX  Account number # XXXX Address : XXXX XXXX XXXXXXXX XXXX, XXXX, MD amount of {$500.00} In accordance with the Fair credit reporting act acct # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: RI

Complaint narrative:
I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. Also, I'm on social security and I'm on state insurance. 

medical payment XXXX  Account number # XXXX Address : XXXX  XXXX XXXX XXXX, XXXX, MD amount of {$500.00} In accordance with the Fair credit reporting act acct # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: AZ

Complaint narrative:
XXXX XXXX, Last 4 SSN : ( XXXX ), Date of Birth : ( XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 5 1681c-2 ) that you, the 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 consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), an account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an account opened at XXXX NC XXXX XXXX date XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the fraudulent collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections 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
Consumer complaint received 2024-12-09 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: TX

Complaint narrative:
This morning, I saw incorrect accounts listed on my credit report, and I have no idea how they got there. I review my credit report regularly, but this time, there were unexpected errors. I even refreshed my browser, thinking it might be a glitch, but nothing changed. The errors remained. I'm pleading for a thorough review of the documents Ive submitted so I can finally stop worrying about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate, Misleading, and Outdated Information on Credit Report Dear Experian, CFPB I am writing to formally dispute inaccuracies, misleading information, and outdated data present in my credit report maintained by Experian. It is crucial to rectify this information to ensure its accuracy and to maintain my creditworthiness. 

Details of Discrepancies : 1. Account Status : The report indicates that the account remains " Closed ". My records demonstrate that this account is still Open.

2. Balance : The current balance of {$150000.00} is incorrect ; my records indicate it should be {$150000.00}.

3. Date Opened : The report lists the date opened as XX/XX/XXXX. However, the account was originally opened on XX/XX/XXXX. I request verification of this date. 

4. Payment History : The payment history shows discrepancies, including. I have consistently made payments on time, with no instances of missed payments or delinquency. 

XXXX. Last Reported Date and Payment Dates : The dates listed for the last reported activity ( XX/XX/XXXX ) and the last payment ( XX/XX/XXXX ) are incorrect. The most recent payment I made was on XX/XX/XXXX. 

Outdated and Unverified Information : Additionally, I would like to bring to your attention several items in my credit report that are outdated or unverified : - Obsolete Accounts : There are accounts listed that are over seven years old and should have been removed from my report as per the guidelines set forth by the Fair Credit Reporting Act.

- Lack of Verification : I have noticed entries that appear to be unverified, with no documented proof of their legitimacy. In accordance with the Fair Credit Reporting Act, all entries on my credit report must be complete and accurate, and I request that these unverified items be investigated. 

I urge you to conduct a thorough investigation into these inaccuracies, misleading representations, and outdated records, and to make the necessary amendments to accurately reflect my credit history. I expect a response to this dispute within 30 days, as stipulated by law. 


Thank you for your attention to this matter. I look forward to your timely reply. 

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 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
1.last payment : {$580.00} XXXX XXXX limit on card is : {$700.00} 2. card puton hold for " suspected fraud '' : XXXX XX/XX/XXXX 3. was not any fraud - they wanted me to FAX copy of ID card 4. locked out of online account on XXXX XX/XX/XXXX 5. charges : {$500.00} XXXX 6. late fee assessed : {$35.00} XXXX 7. milestone rep stated that " I owe '' : {$510.00} XXXX 8. called to change address on XXXX XXXX XXXXXXXX 9. how is this math even possible?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

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.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: CA

Complaint narrative:
Name : XXXX XXXX XXXX Last XXXX SSN : XXXX Date of birth ; XXXX Address : XXXX XXXX XXXX XXXX, CA, XXXX I received a letter from EQUIFAX Information Services LLC on XX/XX/scrub>XXXX XXXX XXXX they're saying they could not verify my information. They said they need more identification. However, I submitted that already. I just want them to investigate the accounts. I have attached the letter that has all the accounts I want to be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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:
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 2024-12-09 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: NH

Complaint narrative:
I am submitting this formal complaint regarding Transunions violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address a fraudulent account ( XXXX XXXX XX/XX/XXXX, under account number XXXX ) on my credit report despite my proper notification and submission of required documentation. 

On [ XX/XX/XXXX ] Complaint Number # XXXX, I submitted a dispute regarding several fraudulent accounts on my credit report. I provided Transunion with all required documentation, including : A valid identity theft affidavit ; Proof of address ; A copy of my government-issued identification ; and The " VERIFIED '' fraudulent account consist of a credit card account opened at XXXX XXXX  in XX/XX/XXXX under account number XXXX Despite this, XXXX failed to block the disputed items within the four business days required by FCRA 605B. Instead, they stated that the accounts in question were " verified '' without providing the sources or evidence used for verification. XXXX 's response not only lacks transparency but also contravenes their obligations under 611 to conduct a reasonable reinvestigation and provide documentation of their findings. 

Under 605B of the FCRA, credit reporting agencies must block information resulting from identity theft within four business days after receiving proper documentation. XXXX 's refusal to comply with this requirement constitutes a direct violation of federal law. 

Transunion failed to adequately investigate and substantiate their claim of verification. The FCRA mandates that credit reporting agencies provide detailed information regarding their verification process, including the furnishers or third-party entities relied upon. This failure undermines my right to transparency and accuracy in credit reporting. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Establishes the responsibility of credit reporting agencies to ensure accuracy and address identity theft disputes promptly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Affirms the consumer 's right to a fair investigation of disputes. 

Transunions inaction reflects a pattern of non-compliance with statutory obligations and a disregard for the legislative intent behind the FCRA, which aims to protect consumers from the severe repercussions of identity theft. Furthermore, XXXX failure to comply with the CFPB 's XXXX bulletin on handling identity theft complaints exacerbates 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 non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I sent a goodwill letter to Comenity Capital/Dell requesting a review of how a charged-off account is reported on my credit report. The account, with a balance of {$1300.00} written off, is marked as closed and charged off as of XX/XX/year>. Despite my efforts to contact them for clarification and corrections, I have not received any response or acknowledgment of my request. I believe this lack of response and the continued reporting of the charge-off is unfair and potentially harmful to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in 2015, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American English, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It is unacceptable that this misinformation persists despite my repeated attempts to correct it. Unauthorized and Bogus Inquiries : I have identified several unauthorized inquiries and accounts on my credit report that I believe your agency has mishandled. XXXX XXXX All accounts XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -All accounts XXXX XXXX XXXX XXXX all accounts XXXX  XXXX I have never provided permissible purpose for these accounts, nor have I authorized the establishment of these accounts. The persistent presence of such items leads me to believe that your agency has failed to take adequate measures to protect my credit 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