vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is currently inaccurately reporting a credit card account on my credit reports as open and closed at the same time. This account was paid in full and closed with a XXXX balance months ago in XXXX. It was never late and never delinquent.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to report multiple inaccuracies on my credit reports from all three major credit bureausEquifax, XXXX, and TransUnion. These inaccuracies stem from unauthorized accounts that were likely created as a result of the XXXX data breach that occurred in XXXX. 

Details of the Incident : - Date of Breach : XX/XX/XXXX - Discovery of Inaccuracies : I first noticed the unauthorized accounts on my credit report in XX/XX/XXXX. Action taken I disputed the XXXX accounts in XX/XX/XXXX and they came back verified with no proof of verification from the companys. 
Unauthorized accounts ( Not my accounts ) XXXX account # XXXX transunion XXXX XXXX XXXX account # XXXX transunion XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, transunion XXXX XXXX XXXX account # XXXX XXXX, XXXX, transunion XXXX XXXX XXXX  account # XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally report that all three major credit bureausEquifax, XXXX, and TransUnion are currently reflecting inaccurate and unauthorized accounts in my name. These accounts appear to be a result of the XXXX data breach that occurred in XXXX, which compromised the personal information of millions of Americans, including myself. 

Despite my efforts to dispute these inaccuracies directly with the credit bureaus, the erroneous information remains on my credit report. This situation is causing significant harm to my creditworthiness and overall financial health. I request your immediate assistance to ensure that these unauthorized accounts are investigated and removed from my credit reports. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. Specifically, under XXXX, I have the right to obtain a copy of my credit report and to be informed of any information that is being reported. Additionally, under XXXX, I am entitled to have inaccurate or incomplete information corrected or deleted if it can not be verified as accurate. 

Furthermore, the XXXX and Accurate Credit Transactions Act ( FACTA ) provides me with the right to request that any fraudulent information resulting from identity theft be removed from my credit report. Since these accounts were created without my authorization, they fall under the scope of this XXXX. 

I urge the CFPB to investigate this matter thoroughly and to facilitate the removal of these unauthorized accounts from my credit reports as soon as possible. My credit file should accurately reflect my credit history and not include any accounts that do not belong to me. 


Thank you for your assistance. 

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 2024-12-30 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: CA

Complaint narrative:
I am writing to report multiple inaccuracies on my credit reports from all three major credit bureausEquifax, XXXX, and XXXX. These inaccuracies stem from unauthorized accounts that were likely created as a result of the Equifax data breach that occurred in XXXX. 

Details of the Incident : - Date of Breach : XX/XX/XXXX - Discovery of Inaccuracies : I first noticed the unauthorized accounts on my credit report in XX/XX/XXXX. XXXX taken I disputed the XXXX accounts in XX/XX/XXXX and they came back verified with no proof of verification from the companys. 
Unauthorized accounts ( Not my accounts ) XXXX account # XXXX XXXX equifax XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX equifax XXXX XXXX XXXX account # XXXX XXXX, XXXX equifax XXXX XXXX account # XXXX equifax, XXXX, XXXX XXXX XXXX bank account # XXXX equifax Dear Consumer Financial Protection Bureau, I am writing to formally report that all three major credit bureausEquifax, XXXX, and XXXX are currently reflecting inaccurate and unauthorized accounts in my name. These accounts appear to be a result of the Equifax data breach that occurred in XXXX, which compromised the personal information of millions of Americans, including myself. 

Despite my efforts to dispute these inaccuracies directly with the credit bureaus, the erroneous information remains on my credit report. This situation is causing significant harm to my creditworthiness and overall financial health. I request your immediate assistance to ensure that these unauthorized accounts are investigated and removed from my credit reports. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. Specifically, under 609, I have the right to obtain a copy of my credit report and to be informed of any information that is being reported. Additionally, under 611, I am entitled to have inaccurate or incomplete information corrected or deleted if it can not be verified as accurate. 

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) provides me with the right to request that any fraudulent information resulting from identity theft be removed from my credit report. Since these accounts were created without my authorization, they fall under the scope of this Act. 

I urge the CFPB to investigate this matter thoroughly and to facilitate the removal of these unauthorized accounts from my credit reports as soon as possible. My credit file should accurately reflect my credit history and not include any accounts that do not belong to me. 


Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXXXXXX XXXX XXXX creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$300.00XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$470.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance {$9500.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2023

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 2024-12-30 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 XXXX XXXX XXXX XXXX and i have supporting documents to support my cliam on this incident that has occured on me.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Dear CFPB I am writing to formally request that TransUnion provide the specific information used to validate the inclusion of a public record on my consumer credit report. Despite my previous inquiries, it appears that TransUnion has not conducted a proper investigation into this matter, as required under the Fair Credit Reporting Act ( FCRA ). This lack of action is particularly concerning, given that the same public record has already been removed from my reports with XXXX and XXXX, indicating discrepancies in its validity. 

As a consumer, I have the right to an accurate and fair representation of my credit history. I urge TransUnion to promptly review this matter, provide the requested validation details, and ensure that the information reported is accurate and substantiated. Failure to address this concern may necessitate further action to protect my rights under the FCRA. I look forward to your timely. 
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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing this complaint about an ongoing issue with Portfolio Recovery and an alleged debt referenced by account # XXXX. I previously filed a complaint about this same collection account, and despite their assurance they would investigate, they have neither removed this erroneous item nor provided any substantive proof of its validity. 

Key Points : Alleged XXXX Business Credit Line Portfolio Recovery has stated this debt is from a XXXX business credit line. However, I have never had a XXXX business credit account ; in fact, I do not own or operate any business. 
Lack of Investigation Results Although Portfolio Recovery indicated they would investigate, they have failed to provide any documentation or verification to support their claim. This strongly suggests that the debt may be misattributed or entirely fraudulent.

Failure to Remove Inaccurate Information Despite their lack of proof, Portfolio Recovery has not removed the collection account from my credit report, causing ongoing damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-30 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: TX

Complaint narrative:
On XX/XX/year> complaint XXXX was submitted. Experian responded by sharing the information from the vendors was accurate. Due to the rights and protection laws I am legally in my rights. Entitled to a fair and 100 % accurate verification of information on my credit report. If this is true how can Experian verifying with a third party is 100 % accurate. The only way would be from the courts. Vendors that was used I did not receive any information or documentation that was used to come up with this verification. If I have proof from the clerk if the court and the website stating. That they do not validate/ verify the information thats in the public records from sites like XXXX and XXXX. 

The information how is it verifiable without my license or social security number. If the clerk court did not verify then how is this information 100 % accurate. In order to report on my file it must be 100 % accurate. The evidence and statement from the court prove your findings to be inaccurate and incomplete Experian lack of properly investigating is in direct violation of my rights. The information reporting is inaccurate and incomplete. Please provide documents from the vendors used validating my identity. Attached will be statements from the courts and Experian response. Please remember that defamation of character and actively reporting false information on my credit report is violation and I will seek legal remedies. Cause how can this information be verified with the credit agencies if the clerk do not communicate with them. This means secondary agencies as well. So I ask if you are not verifying with the clerk of the court. Who are you and your vendors verifying this information with. The only way would be contacting the clerk of the court and getting something that certify your investigation findings. Take note identity theft have been reported also.

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 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I bank at Hancock Whitney bank and since I opened my account money has been taken out every transaction. Ex. If i had {$10.00} in the bank and I purchased something for {$5.00} my remainder would be {$3.00}. On all my transactions and I spoke to them but they did not see the problem. I have the information on my phone app. I need help with setting up an appointment with someone who will help me resolve the amount being taken and what to do to handle this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : 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 explanation
Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
I am writing to formally dispute the unauthorized inquiries listed on my credit report. Despite my previous letter with your bureau, these inquiries remain on my credit file. 
I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
Defrauded by Lexington Law from XXXX ] XXXX to XX/XX/year> never living up to the repair of my credit while sharing my ss # with other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: LA

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 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 non-monetary relief
Consumer complaint received 2024-12-30 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I've tried to resolve these issues with them before. They're violating my rights, and I'm owed {$1000.00} for each violation I mentioned. They need to either pay me or delete these accounts right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I was a consumer with Lexington law firm back in XXXX  dealt with them 6 months and I felt like all they did was take my money and didnt do there job

Company response to consumer: Closed with explanation