vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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: DE

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to pursuant to FCRA 605B ( 15USC 1681c-2 ) that you the Experian, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card and personal loan account opened at : XXXX  account opened on XX/XX/XXXX and it has a balance of {$210.00} Account # XXXX XXXX XXXX account opened on XX/XX/XXXX and has a balance of {$160.00} Account # XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$420.00} Account # XXXX In collections I have XXXX accounts that are a result of Identity Theft. From the above mentioned accounts. These must be removed pursuant to FCRA 605B ( 15USC 1681c-2 ) and these accounts have been placed in collections and are showing on my credit report as closed.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and closed accounts appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, closed accounts and hard inquiries as reported. The accounts, collections, closed accounts and hard inquiries appearing on my credit report were NOT opened, made or initiated by me. All of these accounts, collections, closed accounts and hard inquiries are a result of identity theft and fraud, I have attached a copy of the XXXX FTC Identity Theft Criminal Complaint numbers ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a 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 2024-11-24 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:
Reporting Unauthorized Credit Inquiry I have requested the removal of unauthorized credit inquiry/inquiries on my credit report from all three credit bureaus and upon checking, my latest credit report STILL shows inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX, 15 U.S. Code 1681e - Compliance Procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX , 15 U.S. Code 1681e - Compliance Procedures XXXX XXXX XXXX Reported Late on XX/XX/XXXX {$42.00} & Past Due XX/XX/XXXX {$47.00} - Texas 20.03 and 20.05, 15 U.S. Code 1681i XXXX XXXX Requested On XX/XX/XXXX - Texas 20.03 and 20.05, 15 U.S. Code 1681i XXXX XXXX-INDIRECT - Requested On XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity XXXX XXXX XXXX - Requested On XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity XXXX XXXX XXXX via XXXX - Requested On XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity XXXX XXXX - Requested On XX/XX/XXXX, XX/XX/XXXX -15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity XXXX XXXX XXXX - Requested On XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity

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 2024-11-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Reporting Unauthorized Credit Inquiry I have requested the removal of unauthorized credit inquiry/inquiries on my credit report from all three credit bureaus and upon checking, my latest credit report STILL shows inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX, 15 U.S. Code 1681e - Compliance Procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX 78215-1153 , 15 U.S. Code 1681e - Compliance Procedures XXXX XXXX XXXX Reported Late on XX/XX/XXXX {$42.00} & Past Due XX/XX/XXXX {$47.00} - Texas 20.03 and 20.05, 15 U.S. Code 1681i XXXX XXXX Requested On XX/XX/XXXX - Texas 20.03 and 20.05, 15 U.S. Code 1681i XXXX XXXX-INDIRECT - Requested On XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity XXXX XXXX XXXX - Requested On XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity XXXX XXXX XXXX via XXXX - Requested On XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity XXXX XXXX - Requested On XX/XX/XXXX, XX/XX/XXXX -15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity XXXX XXXX LLC - Requested On XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity

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 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
A check was stolen from the mail. The check was whitewashed and the person who stole the check put their name on the check and cashed it. I could not identify this fraud because I do banking online and the check was not available to see. When I called the representative from the bank, he informed me that the check was cashed but neglected to tell me that the check was cashed by someone else not the person I wrote the check out to. After providing all the information that the bank requested including a police report of the fraud. The bank has refused my claim without an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: KY

Complaint narrative:
This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( XXXX  Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. XXXX XXXX XXXX XXXX AND ALSO THE FOLLOWING INQUIRIRES XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX OF XXXX XXXX XXXX bad names XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bad addreses XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, KY XXXX now your system did not want to accept my address its wrong becuase I have a utility bill and proof in XXXX thatr my address is correct XXXX XXXX XXXX sqft XXXX XXXX XXXX, XXXX, KY XXXX so I i used the XXXX XXXX in XXXX to register please fix your glitch as well

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Colorado, XXXX ] XX/XX/2024 EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX, XXXX, XXXX. I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, Colorado, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX, XXXX XXXX  XXXX XXXX ARIZONA XXXX, XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX, XXXX XXXX XXXX XXXX ARIZONA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX COLORADO XXXX. I request that my current address be updated accordingly. 

Contact Information : I request that my new phone number, ( XXXX ) XXXX, be updated as my primary contact number. 

-I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : -A copy of my driver 's license or passport displaying my correct name. 
-A recent utility bill or bank statement showing my current address. 
-A copy of my phone bill or any other official document that displays my correct phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: TX

Complaint narrative:
I asked the company to stop calling me and send me all information through the mail. I told them I am not responsible and I am not paying this debt. The company still reports this information on my credit month after month.

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 2024-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was informed by my father in XX/XX/XXXX that he received a judgment notice for me. At this time I was not living in XXXX  anymore. I had relocated to XXXX  for my military obligations. I was contacted by the collection company but they told me I need to pay half of the money or the complete money which wasnt possible for my financial situation at the time. I was on unemployment benefits because I couldnt find a job. In XX/XX/XXXX after I felt like i could make monthly payments towards the bill I reached out to the collection company who informed me that since I lived in XXXX  now they would drop the case because they dont practice in XXXX XXXX They suggested I reached out to discover to negotiate a form of payment with them. I sent several emails to discover and I called several times I even sent a certified letter to ask about how to resolve the situation but i havent heard any positive response. This debt is affecting my ability to rent a new apartment on my own because I am asked to pay one month rent plus deposit as deposit before I can move in. I would just love for discover to work on a payment resolution with me so that this can come off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX CARD XXXX {$14000.00} XX/XX/XXXX XXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXX {$9200.00} XX/XX/XXXX NOT XXXX  XXXX {$290.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-11-24 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-11-24 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: TN

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
1. XXXX XXXX XXXX XXXX Account # XXXX Account status is incorrect on all bureaus. This bureau is showing negative while the others are positive. This is inaccurate reporting. All three bureaus must maintain joint notification which puts this account in violation. 

Please delete this from my consumer report. 


The reporting of this account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 
Best regards,

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 2024-11-24 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-11-24 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: AL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account ( XXXX XXXX XXXX acct XXXX ) that was in fact paid in time. the consumer reporting agencies need to report all information with complete accuracy. I do not agree with your response on XX/XX/XXXX, XXXX so therefore I am now requesting to reinvestigate and provide verifiable proof with records showing that I had late payments. If verifiable proof and information can not be verified I demand these payments be updated to paid on time immediately or the account be removed. This inaccuracy has affected my report gravely. Thank you kindly.

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 2024-11-24 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
the following are the list of inquires made by this companies. I request that the protection bureau takes action and request this companies to comply and eliminate my information from their system. This companies are currently on my credit report. I have no knowledge of how they are in my report. please advise urgently. 

XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX, CT XXXX Date of inquiry XX/XX/XXXX XXXX XXXX A XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry. XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation