vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-11-01 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 utility account XXXX with a balance of {$430.00}. As well as the address XXXX XXXX XXXX XXXX NY XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681s-2 ( a ) **, any information reported must be accurate.

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 2024-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEIFT, THE INFORMATION WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTION THAT I HAVE MADE/INITIATED IT IS THE RESULT OF IDENTITY THEIFT I NOTICED A FRAUDULENT INQUIRY : XXXX XXXX  XX/XX/year> 2024

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 2024-11-01 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: VA

Complaint narrative:
Account Name : XXXX  XXXX Account Number:XXXX  FTC Identity Theft Report : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX Consumer Reporting Agency , XXXX Consumer Reporting Agency , and Transunion Consumer Reporting Agency block information appearing on my consumer 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 with XXXX XXXX on XX/XX/year> under account # XXXX. 


This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account and hard inquiries as reported. The aforementioned account and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account and hard inquiries are the result of identity theft and as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: VA

Complaint narrative:
Account Name : XXXX  XXXX Account Number:XXXX  FTC Identity Theft Report : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX Consumer Reporting Agency , Equifax Consumer Reporting Agency , and XXXX Consumer Reporting Agency block information appearing on my consumer 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 with XXXX XXXX on XX/XX/year> under account # XXXX. 


This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account and hard inquiries as reported. The aforementioned account and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account and hard inquiries are the result of identity theft and as proof from the U.S. 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 non-monetary relief
Consumer complaint received 2024-11-01 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: VA

Complaint narrative:
Account Name : XXXX  XXXX Account Number:XXXX  FTC Identity Theft Report : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian Consumer Reporting Agency , XXXX Consumer Reporting Agency , and XXXX Consumer Reporting Agency block information appearing on my consumer 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 with XXXX XXXX on XX/XX/year> under account # XXXX. 


This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account and hard inquiries as reported. The aforementioned account and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account and hard inquiries are the result of identity theft and as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: NC

Complaint narrative:
I am writing to request the blocking and deletion of specific hard inquiries from my credit report as I have been a victim of a data breach. My personal information was compromised, putting me at risk for identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the removal of the following inquiries from my credit report : Inquiries : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: NC

Complaint narrative:
I am writing to request the blocking and deletion of specific hard inquiries from my credit report as I have been a victim of a data breach. My personal information was compromised, putting me at risk for identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the removal of the following inquiries from my credit report : Inquiries : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : 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 2024-11-01 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: CA

Complaint narrative:
I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove or correct inaccurate information on a consumers credit report. The FCRA, specifically in 15 U.S.C. 1681i, outlines that when a consumer disputes information, the credit reporting agency must investigate the claim within XXXX  days. If the information is found to be inaccurate, incomplete, or unverifiable, it must be promptly removed, corrected, or updated on the consumers report. 

Furthermore, the FCRA mandates that data furnisherssuch as lenders or creditorsmust only report accurate information to credit reporting agencies. If an error is identified, the furnisher is responsible for updating it to ensure that the consumers report remains accurate, current, and fair. XXXX. Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681, the FCRA gives consumers the right to dispute inaccurate or incomplete information on their credit report. If a consumer identifies late payments that are reported inaccurately, they can request an investigation by the credit reporting agency. The FCRA mandates that credit reporting agencies must verify the accuracy of reported information and correct or delete any disputed data that is proven inaccurate, incomplete, or unverifiable within XXXX  days. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) : This act, found under 15 U.S.C. 1692, applies to debt collectors rather than credit reporting agencies, but it is relevant if a debt collector is reporting the late payment information. The FDCPA prohibits debt collectors from reporting false information and requires that any disputed information be reported accurately and updated as necessary.

XXXX. Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1601, the TILA mandates that creditors accurately disclose credit terms, including payment history. This law enforces that creditors report accurate payment information to credit bureaus, including the timing and status of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove or correct inaccurate information on a consumers credit report. The FCRA, specifically in 15 U.S.C. 1681i, outlines that when a consumer disputes information, the credit reporting agency must investigate the claim within XXXX  days. If the information is found to be inaccurate, incomplete, or unverifiable, it must be promptly removed, corrected, or updated on the consumers report. 

Furthermore, the FCRA mandates that data furnisherssuch as lenders or creditorsmust only report accurate information to credit reporting agencies. If an error is identified, the furnisher is responsible for updating it to ensure that the consumers report remains accurate, current, and fair. XXXX. Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681, the FCRA gives consumers the right to dispute inaccurate or incomplete information on their credit report. If a consumer identifies late payments that are reported inaccurately, they can request an investigation by the credit reporting agency. The FCRA mandates that credit reporting agencies must verify the accuracy of reported information and correct or delete any disputed data that is proven inaccurate, incomplete, or unverifiable within XXXX  days. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) : This act, found under 15 U.S.C. 1692, applies to debt collectors rather than credit reporting agencies, but it is relevant if a debt collector is reporting the late payment information. The FDCPA prohibits debt collectors from reporting false information and requires that any disputed information be reported accurately and updated as necessary. 
XXXX. Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1601, the TILA mandates that creditors accurately disclose credit terms, including payment history. This law enforces that creditors report accurate payment information to credit bureaus, including the timing and status of payments.

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 2024-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
back in XXXX i disputed this information. This account is also XXXX years old and needs to be deleted anyway. XXXX XXXX stated that they will delete and cancel contract. They deleted it off XXXX but not the other credit bureau. i attached a screen shot of the deletion.

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 monetary relief
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT I DID NOT GIVE ATHORIZATION TO THESE ACCOUNTS TO RUN MY CREDIT PLEASE DELETE XXXX  XXXX  XX/XX/XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX 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 2024-11-01 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 writing to request the immediate blocking and deletion of fraudulent accounts on my credit report, as I am a victim of a recent data breach and identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any fraudulent accounts removed from my credit report. 
The following accounts were not opened by me and were added to my credit report without my authorization : XXXX. XXXX XXXX o Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$2400.00}

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 2024-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Date : XX/XX/year> Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Email : XXXX Contact Number : XXXX SSN : XXXX DriveTime XXXX Customer Service Department XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Re : Revocation of Cease and Desist Order Dear Sir/Madam, I am writing to formally withdraw the cease and desist order previously issued under my name, regarding my alleged account associated with XXXX  account number : XXXX or any related matters. 
This decision comes after careful consideration and a satisfactory review of the circumstances surrounding the issues initially cited in my original letter. Today speaking to a representative she revealed a lot of incorrect information regarding to my personal information, for example the email was incorrect, the phone number was wrong, and address on this account. I never receiving a copy of the contract, a deficiency notice or a redemption notice. I do not know if this vehicle was repossessed or totaled. They advised that I could not request any documents unless I write a cease and desist removal letter. I appreciate your cooperation and attentiveness in addressing my concerns. 
Please consider this letter as an official revocation of any restrictions or communication barriers previously requested under the cease and desist order. I authorize you to resume normal processing and communications regarding my alleged account. This is being placed so I can retrieve these documents so I can take the proper actions on gettinng this resolved. I also need the name of the seller for this auto loan. 
Thank you for your attention to this matter. Should you need any further information to confirm this revocation or to discuss the account, please feel free to contact me at ( XXXX ) XXXX or XXXX. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: VA

Complaint narrative:
I have submitted multiple disputes that have gone unanswered. There are late payments on my credit report that are inaccurate. Please assist me in removing these erroneous late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: TN

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  account # XXXX I looked at my Equifax credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I ordered a physical sim card from the XXXX XXXX website on XXXX XXXX, 2024. On the XXXX, my order status had not updated at all, so I began attempting to contact XXXX. I can't even make this kind of nonsense up, so I will be attaching the " chat help '' transcripts that went on for literal hours. I have never had a single second of service, because XXXX never activated my account. They sure sent me a bill however, which is XXXX  XXXX.

Company response to consumer: Closed with explanation