vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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:
I recently reviewed my credit report and noticed a XXXX XXXX account XXXX that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates XX/XX/XXXX. XX/XX/XXXX. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-10 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: MA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

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 2025-01-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Request for Immediate Reinsertion of Corrected Information Discover Account Dear Sir/Madam, I am writing to formally demand the immediate reinsertion of a corrected entry related to my XXXX account on my credit report, in compliance with 15 U.S.C. 1681 ( i ) ( 7 ), as part of the Fair Credit Reporting Act ( FCRA ). I previously disputed the entry associated with my XXXX account ( XXXX XXXX ) on my credit report, and the results of that dispute clearly show that the information was removed from my credit report.

Under the FCRA, specifically Section 1681 ( i ) ( 7 ), if information that was previously reported is corrected after a dispute, and if the furnisher of that information fails to provide substantiation, the disputed entry must be deleted from my report, and I must be notified of its reinsertion only when the information is verified as accurate. Additionally, you are required to provide a detailed description of the steps taken to reinstate the entry once it has been properly validated. 

The entry related to my XXXX account was disputed because it contained errors or outdated information. Following the dispute process, I have submitted all necessary evidence to demonstrate that the reported information was inaccurate, and therefore it should have been corrected or deleted. The continued presence of this erroneous information is a violation of my legal rights under the Fair Credit Reporting Act. 

I demand that this incorrect entry related to my XXXX account be immediately corrected and that the corrected information be reintegrated onto my credit report without further delay. Additionally, I am requesting a formal acknowledgment of the correction and a clear explanation of the steps you have taken to comply with 15 U.S.C. 1681 ( i ) ( 7 ) in the reinsertion process.

Failure to resolve this matter within 30 days from the date of this letter will result in further actions, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies as provided under the Fair Credit Reporting Act. 

This is a final request for immediate action. I trust that you will promptly correct the error and reinstate accurate information related to my XXXX account. 

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 non-monetary relief
Consumer complaint received 2025-01-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Request for Immediate Reinsertion of Corrected Information Discover Account Dear Sir/Madam, I am writing to formally demand the immediate reinsertion of a corrected entry related to my XXXX account on my credit report, in compliance with 15 U.S.C. 1681 ( i ) ( 7 ), as part of the Fair Credit Reporting Act ( FCRA ). I previously disputed the entry associated with my XXXX account ( XXXX XXXX ) on my credit report, and the results of that dispute clearly show that the information was removed from my credit report.

Under the FCRA, specifically Section 1681 ( i ) ( 7 ), if information that was previously reported is corrected after a dispute, and if the furnisher of that information fails to provide substantiation, the disputed entry must be deleted from my report, and I must be notified of its reinsertion only when the information is verified as accurate. Additionally, you are required to provide a detailed description of the steps taken to reinstate the entry once it has been properly validated. 

The entry related to my XXXX account was disputed because it contained errors or outdated information. Following the dispute process, I have submitted all necessary evidence to demonstrate that the reported information was inaccurate, and therefore it should have been corrected or deleted. The continued presence of this erroneous information is a violation of my legal rights under the Fair Credit Reporting Act. 

I demand that this incorrect entry related to my XXXX account be immediately corrected and that the corrected information be reintegrated onto my credit report without further delay. Additionally, I am requesting a formal acknowledgment of the correction and a clear explanation of the steps you have taken to comply with 15 U.S.C. 1681 ( i ) ( 7 ) in the reinsertion process.

Failure to resolve this matter within 30 days from the date of this letter will result in further actions, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies as provided under the Fair Credit Reporting Act. 

This is a final request for immediate action. I trust that you will promptly correct the error and reinstate accurate information related to my XXXX  account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: MD

Complaint narrative:
there was a security breach and my information was exposed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: MD

Complaint narrative:
there was a security breach and my information was exposed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX Account # : XXXX XXXX  XXXX XXXX XXXX XXXX  Account # : XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-01-10 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX XXXX  XXXX XXXX  Account # : XXXX XXXX  Account # XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/year> I purchased online a telephone box from Best Buy. The charge was posted on XXXX. OnXX/XX/XXXX I received the telephone box but it was defective. I returned the telephone box to my local Best Buy store. I was issued a credit but then was charged again for a telephone box that I did not receive. The refund and second charge were posted on XX/XX/XXXX. I called Best Buy and was told the XX/XX/XXXX bill on my credit card is not in the records of Best Buy. I disputed with my credit card. Best Buy told my credit card there was no charge to my account on XX/XX/XXXX. The credit card bill shows a charge on XX/XX/XXXX but because Best Buy disputed my claim of being charged the credit card went along with Best Buy and denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: SC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-10 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: SC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: DE

Complaint narrative:
Iam writing to formally report a case of identity theft and the exposure of my personal information stemming from a data breach. i have taken steps to mitigate the damage, however I am extremely concerned that despite my efforts to secure my personal information, unauthorized actions have been allowed to affect my credit history. My personal data was compromised in a security breach. Consequently, this led to unauthorized accounts and inquiries being added to my credit report. Currently stopping me from buying a home and ruining my life, currently pregnant and not able to get a bigger home for my twins. Im due to have them in 2 months. My Fianc is in the military so Im alone and having my credit ruined by thieves and it's overwhelming seeking further assistance from the FTC to address and resolve this matter. These unauthorized accounts consist of XXXX XXXX XXXX opened XX/XX/XXXX acct # XXXX, XXXX XXXX with a balnce of XXXX opened XX/XX/XXXX acct # XXXX, XXXX XXXX balance XXXX opened XX/XX/XXXX acct # XXXX, XXXX XXXXXXXX bal XXXX opened XX/XX/XXXX acct # XXXX, XXXX  XXXX with a bal of {$1000.00} opened XX/XX/XXXX acct # XXXX, XXXX XXXX {$9300.00} opened XX/XX/XXXX acct # XXXX, XXXX XXXX opened XX/XX/XXXX with balance {$9100.00} acct # XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all ACH transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX ) who has in turn allowed other entities to also access their report without my consent. 

XXXX XXXX XXXX  ( I have NEVER had an account with this institution ) : disclosed/reported XXXX ACH transactions on XXXX XXXX report. 

This is a violation of my privacy rights under The Privacy Act of 1974 which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681. 

I am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : 408.675 My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing. 

408.680 Financial institutions may not disclose, exception : 408.675 as outlined above. 

408.682 Customer authorization required. 

408.689 Transfer of records to additional agency allowed when 14-day notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry I did not consent to sharing my financial history or personal identifying information with any 3rd parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX ) whom I trusted. I also have an account with another Credit Union that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: AZ

Complaint narrative:
Somebody used my information to rent an apartment without my knowledge or permission. 
This company claims I owe {$1700.00} to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I reached out to LexusNexus and asked for a verification letter, validation letter, A wet signature contract agreement letter, and a letter from the bankruptcy court regarding the items that is on my credit report. They indicated that the information was verified through the credit bureau. I reached out to the credit bureaus,, and the credit bureaus indicated that they received the information from Lexisnexis. Please note that I am a victim of identity theft, as well as a victim of the XXXX data breach...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: MO

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-10 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: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
Experian continues to not accurately investigate inaccuracies on my report when it comes to XXXX XXXX XXXX XXXX. I've disputed the historical lates on my auto loan with Experian. Experian has came back that the item is accurately reported. Upon reviewing the historical lates. Based on Experian 's reporting it's virtually impossible for the lates to report the way Experian has reported it to my credit file. On XXXX XXXX XXXX Experian is reporting I'm 60 days late. But in XXXX and XX/XX/year> its reported as my account was on time. So if the previous months are reported on time how could I be 60 days and then 30 days late. This is further proof Experian has abused its power and not accurately investigating and reporting accurate information to consumers credit files.

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