vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: IL

Complaint narrative:
To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: MA

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 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 explanation
Consumer complaint received 2025-01-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Remove Charge-Off Under the Fair Credit Reporting Act and Section 605B Dear Experian/Transunion/Equifax, I am writing to formally request the removal of an inaccurate charge-off from my credit report. This charge-off, reported by XXXXXXXX XXXX, is either inaccurate or fraudulent. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 605B ( 15 U.S. Code 1681c-2 ), to have this information blocked or removed. Specifically, the reporting appears to violate provisions under 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ), 1666b, and 1637 ( b ). As a result, the information reported to the credit bureau is invalid, and there is no legitimate basis for it to remain on my credit report. 

The specific details of the disputed account are as follows : Creditor/Account Name : XXXXXXXX XXXX Account Number : XXXX Date of Reported Charge-Off : XX/XX/XXXX TO XX/XX/XXXX This account was added to my credit report without proper verification or as a result of identity theft. Under Section 605B of the FCRA, consumers have the right to request the blocking of any fraudulent information from their credit report. As required by Section 605B, I request that you block or remove the charge-off account from my credit report within four ( 4 ) business days of receiving this letter and the supporting documentation. If this account can not be verified as accurate and legitimate, it must be deleted from my file in accordance with 15 U.S. Code 1681i ( Dispute Resolution ) and other relevant FCRA provisions. 

Failure to comply with this request may result in further legal action to enforce my rights under the FCRA. Please confirm the removal of this charge-off and send me an updated copy of my credit report once the corrections have been made. 
If you need any additional information, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your immediate attention to this matter. 
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 2025-01-06 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: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Remove Charge-Off Under the Fair Credit Reporting Act and Section 605B Dear Experian/Transunion/Equifax, I am writing to formally request the removal of an inaccurate charge-off from my credit report. This charge-off, reported by XXXXXXXX XXXX is either inaccurate or fraudulent. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 605B ( 15 U.S. Code 1681c-2 ), to have this information blocked or removed. Specifically, the reporting appears to violate provisions under 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ), 1666b, and 1637 ( b ). As a result, the information reported to the credit bureau is invalid, and there is no legitimate basis for it to remain on my credit report. 

The specific details of the disputed account are as follows : Creditor/Account Name : XXXX XXXX Account Number : XXXX Date of Reported Charge-Off : XX/XX/XXXX TO XX/XX/XXXX This account was added to my credit report without proper verification or as a result of identity theft. Under Section 605B of the FCRA, consumers have the right to request the blocking of any fraudulent information from their credit report. As required by Section 605B, I request that you block or remove the charge-off account from my credit report within four ( 4 ) business days of receiving this letter and the supporting documentation. If this account can not be verified as accurate and legitimate, it must be deleted from my file in accordance with 15 U.S. Code 1681i ( Dispute Resolution ) and other relevant FCRA provisions.

Failure to comply with this request may result in further legal action to enforce my rights under the FCRA. Please confirm the removal of this charge-off and send me an updated copy of my credit report once the corrections have been made. 
If you need any additional information, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: VA

Complaint narrative:
To Whom it may concern, I was recently reviewing my credit report, and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed the FTC Report as well and the report number is XXXX. The FTC Report and my notarized identity theft affidavit are all attached. 


These fraudulent credit inquiries were made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud with

in 4 business days of you receiving this complaint. I am filing this to report five fraud
ulent accounts appearing on my consumer credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX ; an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ; a credit card account opened at XXXXXXXX XXXX XXXXn XX/XX/XXXX under the account number XXXX and another credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX ; and a personal loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries, including inquiries from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX, as well as fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws. 


These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX SSN XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, EQUIFAX and XXXX credit reporting agencies 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. A PERSONAL LOAN OPENED WITH POSSIBLE FINE ON XX/XX/XXXX balance {$490.00} ( I DO NOT HAVE ACCESS TO THE ACC. NUMBER ) AUTO LOAN OPENED WITH XXXX XXXX XXXX OPENED ON XX/XX/XXXX ( ACXXXX # XXXX ) BALANCE {$20000.00}. PERSONAL LEASE ACCOUNT OPENED WITH XXXX XXXX XXXX XXXX ( ACC # XXXX ) OPENED ON XX/XX/XXXX BALANCE {$4600.00}. IN ADDITION 4 HARD INQUIRIES XXXX XXXX XXXX REPORTED ON XX/XX/XXXX ; XXXX XXXXXXXX XXXX REPORTED ON XX/XX/XXXX ; XXXX XXXX XXXX XXXX  REPORTED ON XX/XX/XXXX AND XXXX XXXX REPORTED ON XX/XX/XXXX., These account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-01-06 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: GA

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report. 

Thank you for your prompt attention to this matter. 

15 U.S. Code 1681c2 states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of

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 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
I purchased a money order from XXXX XXXX XXXX # XXXX on XX/XX/year> at XXXX EST. I have the store receipt and the money order receipt that displays the money order barcode. 

I mailed the money order to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX, MD XXXX for a deposit on a class. 

I mailed the money order on XX/XX/year> at XXXXXXXX XXXX EST, using the drop box outside at : United States Postal Service XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX in a distinctive blue envelope and I have been informed that XXXX has not received it by XXXX  and XXXX ( Using initials of the individuals ). 

I contacted XXXX XXXX today and reached a staff member who was not personable. She claimed she needed my ID to research further. I made the call at XXXX XXXX EST. I requested the staff member have the lead manager XXXX call me back. I left my phone number and first name with her. 

It seems like the disappearance of the money order is intentional. Please have Western Union track the money order, investigate if it has been cashed and provide a replacement money order to XXXX. The amount is {$25.00}. The code on the money order is XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NY

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 XXXX, which falls under trafficking according to XXXX-Debt Final Rule 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 victim of XXXX XXXX  of Debt XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$7800.00} XXXX XXXX  XXXX XXXX BALANCED {$2000.00} XXXX XXXX  XXXX BALANCED {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$480.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX BALANCED {$990.00} XXXX  XXXX XXXX BALANCED {$420.00}

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 explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I am having a problem with my Bank of America credit card. I dont have any outstanding balance, and my credit score is over XXXX. 

In this quarter, this card offers 3 % rewards for using it for online purchases. So I went ahead and used it to make an online purchase on XXXX website. Subsequently I received an email from Bank of America credit card about this transaction, saying Credit card not present during this transaction. Excuse me? I have used this very card to pay for my online purchase on XXXX, so yes, it was present electronically. 

I was unable to contact Bank of America credit card online and subsequently decided to file a complaint here. I want Bank of America to recognize my use of their credit card online in this transaction and enable use of the rewards. Thank you.

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 2025-01-06 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: LA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
I request validation of debt with proof of my wet signature on the original contract of all account 's listed here in with TransUnion reporting agency ; acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # 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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
This company is claiming an alleged debt is owed by me. I have never done business with this company and I am requesting validation. I am attaching the letter that I sent to the company requesting that the send ALL the proper documentation that proves they have ownership, that i signed a contract with them to do business with them resulting in this transaction and that any debt is owed to them. I am also requesting that they respond again with all the documentation that is being requested from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: OH

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 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