vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: VA

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft resulting from a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), I am requesting that the following fraudulent accounts and credit inquiries be blocked and permanently removed from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - {$1000.00} XXXX. XXXX XXXX - XXXX - Reported : XX/XX/XXXX - {$1100.00} XXXX. XXXX XXXX XXXX ( XXXX ) - XXXX - Reported : XX/XX/XXXX - {$1600.00} Fraudulent Inquiries : XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft resulting from a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), I am requesting that the following fraudulent accounts and credit inquiries be blocked and permanently removed from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX XXXX  - XXXX - XXXX : XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - {$1000.00} XXXX. XXXX XXXX - XXXX - Reported : XX/XX/XXXX - {$1100.00} XXXX. XXXX XXXX XXXX ( XXXX ) - XXXX - Reported : XX/XX/XXXX - {$1600.00} Fraudulent Inquiries : XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX Experian Business Credit - XX/XX/XXXX Experian Business Credit - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - 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 2024-11-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 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. 

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 2024-11-30 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:
I am writing to inform you that I am a victim of identity theft as a result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I request the immediate blocking and permanent removal of the following fraudulent accounts and unauthorized inquiries from my credit report.

Fraudulent Accounts 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 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 explanation
Consumer complaint received 2024-11-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to inform you that I am a victim of identity theft as a result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I request the immediate blocking and permanent removal of the following fraudulent accounts and unauthorized inquiries from my credit report. 
Fraudulent Accounts 1. 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 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 non-monetary relief
Consumer complaint received 2024-11-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/XXXX ] and followed up on [ XX/XX/XXXX ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.

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 2024-11-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/1991 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. This fraudulent inaccurate and false information consists of a collection account opened at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( I DO NOT HAVE ACCESS TO THE ACC NUMBER ASSOCIATED WITH THIS ACCOUNT ) This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX. I've attached a list of the hard inquiries in question as well as 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 2024-11-30 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 have multiple fraudulent and inaccurate accounts that have been reported on my consumer credit file. These accounts are not mine, and I am not legally responsible for them. Despite my efforts to dispute the inaccuracies directly with the credit reporting agency, they failed to take the necessary steps to investigate or remove the information from my report. The presence of this fraudulent information has caused significant harm to my creditworthiness and financial situation. I request that this matter be investigated further and the inaccurate information be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have multiple fraudulent and inaccurate accounts that have been reported on my consumer credit file. These accounts are not mine, and I am not legally responsible for them. Despite my efforts to dispute the inaccuracies directly with the credit reporting agency, they failed to take the necessary steps to investigate or remove the information from my report. The presence of this fraudulent information has caused significant harm to my creditworthiness and financial situation. I request that this matter be investigated further and the inaccurate information be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ).

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> I became a victim of identity theft. Multiple credit cards were approved in my name. The suspect maxed out all cards and cause my credit score to tank into the XXXX. Til this day, I have disputed multiple times, stating that Ive been in a natural disaster, but due to concerns of being sued or brought to legal terms, Ive never went to file a police report. I tried to file a FTC report after the charge off was added to my account, but no one wants to help me. I would like the late payment status & charge off to be verified and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: GA

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I proactively reached out to chase to convert my sapphire card to a freedom card in order to accumulate rewards on purchases. Im planning on Remodleing my kitchen and I know I will be making large purchases. I told this to chase and also requested for them to increase my credit limit. They only increased it by roughly {$2000.00}, which wasnt enough for my kitchen cabinet order. When I bought my cabinets, I asked XXXX to split the transaction. Chase denied the charge, claiming either fraud or identify theft. I called chase and couldnt get a lot of information but was assured I could go back to XXXX and use the card. I then returned to XXXX and my card was again declined. Later in the day, I discovered that chase closed both my long standing credit card accounts with good history for no reason. When I called Chase, they wouldnt provide me with an answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
After reviewing my credit report with TRANSUNION. I noticed inquiries on my credit report that i did not authorize, that are no connected to any account on my credit report by the following banks. XXXXXXXX XXXX XXXX inquiry date XXXXXXXX XXXX XXXX XXXX inquiry date XXXXXXXX XXXX XXXX inquiry date XXXX XXXXXXXX XXXX XXXX XXXX XXXX  inquiry date XXXXXXXX XXXX XXXX XXXX  Finance inquiry date XXXX XXXX. XXXX. According to 15 USC 6802 ( a ) A financial institution shall not disclose to other agency an account number similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent no instructions for any inquiries to be allowed to report to TRANSUNION Credit Bureau. Please verify all in written letter. According to 18 USC 2028 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has committed Aggravated Identity Theft which is a crime according to 18 USC 2028. Please remove all inquiries on my credit Report with TRANSUNION

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 2024-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
After reviewing my credit report with TRANSUNION. I noticed inquiries on my credit report that i did not authorize, that are no connected to any account on my credit report by the following banks. XXXX XXXX XXXX inquiry date XXXXXXXX XXXX XXXX XXXX inquiry date XXXXXXXX XXXX XXXX inquiry date XXXXXXXX XXXX XXXX XXXX XXXX XXXX inquiry date XXXX. XXXXXXXX XXXX XXXX Finance inquiry date XXXX XXXX. XXXX. According to 15 USC 6802 ( a ) A financial institution shall not disclose to other agency an account number similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent no instructions for any inquiries to be allowed to report to TRANSUNION Credit Bureau. Please verify all in written letter. According to 18 USC 2028 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has committed Aggravated Identity Theft which is a crime according to 18 USC 2028. Please remove all inquiries on my credit Report with TRANSUNION

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 2024-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  off I have had my credit lock since XXXX  and when I found out all these things on my credit I disputed them all and can never get anyone on the phone and it never gets fixed the credit company 's just wont you to pay for the services and I have been homeless for a long time cause of these company 's that I have no service with

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 2024-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PCR Group
State: NC

Complaint narrative:
On XX/XX/year> I was contacted by XXXX XXXX ( Collections Specialist ) regarding alleged debt. I specifically asked for correspondence via USPS mail and I have yet to receive it however, this alleged debt and act has been placed on my credit file. 
XXXX XXXX was adamant in her communication that they are not debt buyers however they are " contracted to work the files ''. 
My issue is the purchasing of my private and personal information. 

This is my Formal & Final Cease and Desist sent via USPS mail to ACCOUNT ADJUSTMENT BUREAU : ______________________________________ CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ACCOUNT ADJUSTMENT BUREAU XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> RE : FRAUD/AGGRAVATED IDENTITY THEFT ACCT # XXXX ACCOUNT ADJUSTMENT BUREAU is in violation of 18 U.S.C. 894 for using my consumer report with extortionate means to coerce and swindle me into making payment on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( ACCOUNT ADJUSTMENT BUREAU ) furnishing this information to my consumer report and or file. I did not give you permission or authorization to have my personal identifying information, which you ( ACCOUNT ADJUSTMENT BUREAU ) have obtained by aggravated identity theft in accordance with 18 U.S.C. 1028A.

I am aware that my Social Security number belongs to the Social Security Administration, and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C. 8 and being that you ( ACCOUNT ADJUSTMENT BUREAU ) are attempting to collect a debt from I, the consumer. This makes you ( ACCOUNT ADJUSTMENT BUREAU ) guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C. 3729-3733. 

This is a notice to immediately CEASE AND DESIST of all illegal activities, including reporting with constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by you ( ACCOUNT ADJUSTMENT BUREAU ) into the Federal Trade Commission for aggravated identity fraud and theft. 

Failure to XXXX out the balance and remove account within 15 days from my consumer report as requested, will result in legal matters being taken and I will report ACCOUNT ADJUSTMENT BUREAU to the Federal Trade Commission for aggravated fraud and identity theft. 

If this matter is not resolved and adhered to by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you ( ACCOUNT ADJUSTMENT BUREAU ) and this letter will be tendered as evidence of failure to comply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: AZ

Complaint narrative:
After reviewing my credit report with EQUIFAX. I noticed inquiries on my credit report that i did not authorize, that are no connected to any account on my credit report by the following banks. XXXX inquiry date XXXX. According to 15 USC 6802 ( a ) A financial institution shall not disclose to other agency an account number similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent no instructions for any inquiries to be allowed to report to EQUIFAX Credit Bureau. Please verify all in written letter. According to 18 USC 2028 ( a ) XXXX and EQUIFAX has committed Aggravated Identity Theft which is a crime according to 18 USC 2028. Please remove all inquiries on my credit Report with EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently Reviewed a copy of my credit report and noticed i had a fraudulent account on my report. please remove this account from my report it is hurting my ability to obtain credit.

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