vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: IL

Complaint narrative:
Kindly eliminate this erroneous entry from my credit report. I did not authorize or acknowledge this account. The supporting documents validating my claim are enclosed.

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report and score from all three bureaus are incorrect. With Equifax leading from the XXXX bureaus with a incorrect report and score. My score from XXXX is currently at a XXXX using the XXXX score XXXX. 
Equifax reports my XXXX card balance at {$190.00}, this is incorrect information. I had XXXX send XXXX different off cycle reports ( XXXX and XXXX of XXXX ) to Equifax stating the XXXX balance and no changes have been made. My monthly cycle statement has not been reported either and that automatically should report by the XXXX of every month. 
Equifax uses the scale model XXXX XXXX for scoring reports. Credit utilization makes up 20 % of the model scale equal to XXXX points from the most of XXXX points The incorrect balance of {$190.00} dollars from my XXXX card uses 19 % of my utilization taking away XXXX points from XXXX points leaving me with a XXXX  XXXX score of XXXX scoring points. 
This information needs to be updated and corrected, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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:
According to the FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNTS YOU POST ONA A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL, OR EMAIL IN A FRADULENT ACCOUNT. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  ACCOUNT NUMBERS : XXXX XXXX HAS VIOLATED MY RIGHTS. 

15USC1681 SECTION 602 ( A ) STATES I HAVE A RIGHT TO PRIVACY.

15USC1681 SECTION 604 ( A ) STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2024-07-19 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I been disputing these unknown accounts on my report and learned they all originated by unauthorized use of my information. I have now sent in my FTC report because I never authorized these fraudulent accounts to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX dept bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four day business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 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 2024-07-19 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-07-19 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX, I made a mistake and deposited a check for {$1700.00} into my Huntington account that was on an account with NSF funds. 

This triggered an alert within Huntington bank, and on XX/XX/XXXX Huntington Bank decided to end the business relationship and force closed my accounts. 

I have 4 different accounts/relationships with Huntington Bank XXXX 

Account XXXX - Balance Approx {$12000.00} Account XXXX - Balance Approx $ XXXX Account XXXX - Balance Approx $ XXXX Huntington XXXX XXXX XXXX $ Balance - {$500.00} I have XXXX access to my funds and Huntington Bank is holding them hostage. All the transactions have posted and settled, and nothing is happening.

I am due approx {$9500.00} of my funds... .and the source of these funds can from my employer XXXX XXXX XXXX XXXX XXXX XXXX a direct deposit on XX/XX/year> of approx {$12000.00}. 

No one is talking to me... no one will give me information... ..and no consumer should be treated this way with this type of communication. I can not pay my mortgage, or regular bills because my money is being held XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, 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 XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-19 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: MI

Complaint narrative:
After checking my credit report I see that XXXX XXXX opened on XX/XX/2023 is still being reported fraudulently without my consent.Someone must have used my information to open up the account and communicate with the company but it was not me. No product good service or money was ever received from this supposed transaction. Please note the email, address and phone number on file does not correspond with my actual email, address and phone number which is XXXX Phone number XXXX identity has been stolen and used due to identity theft data breaches and lost/stolen ID.

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 2024-07-19 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: MI

Complaint narrative:
After checking my credit report I see that XXXX XXXX opened on XX/XX/year> is still being reported fraudulently without my consent.Someone must have used my information to open up the account and communicate with the company but it was not me. No product good service or money was ever received from this supposed transaction. Please note the email, address and phone number on file does not correspond with my actual email, address and phone number which is XXXX Phone number XXXX identity has been stolen and used due to identity theft data breaches and lost/stolen ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: VA

Complaint narrative:
My credit report and score from all three bureaus are incorrect. With XXXX leading from the three bureaus with a incorrect report and score. My score from XXXX is currently at a XXXX using the XXXX score XXXX. 
XXXX reports my XXXX card balance at {$190.00}, this is incorrect information. I had XXXX send two different off cycle reports ( XXXX and XXXX of XXXX ) to XXXX stating the XXXX balance and no changes have been made. My monthly cycle statement has not been reported either and that automatically should report by the XXXX of every month. 
XXXX uses the scale model XXXX XXXX for scoring reports. Credit utilization makes up 20 % of the model scale equal to XXXX points from the most of XXXX points The incorrect balance of {$190.00} dollars from my XXXX card uses XXXX  % of my utilization taking away XXXX points from XXXX points leaving me with a XXXX  XXXX score of XXXX scoring points. 
This information needs to be updated and corrected, 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 non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report and score from all three bureaus are incorrect. With XXXX leading from the XXXX bureaus with a incorrect report and score. My score from XXXX is currently at a XXXX using the XXXX XXXX  XXXX. 
XXXX reports my XXXX card balance at {$190.00}, this is incorrect information. I had XXXX send XXXX different off cycle reports ( XXXX and XXXX of XXXX ) to XXXX stating the XXXX balance and no changes have been made. My monthly cycle statement has not been reported either and that automatically should report by the XXXX of every month. 
XXXX uses the scale model XXXX XXXX for scoring reports. Credit utilization makes up 20 % of the model scale equal to XXXX points from the most of XXXX points The incorrect balance of {$190.00} dollars from my XXXX card uses 19 % of my utilization taking away XXXX points from XXXX points leaving me with a XXXX  XXXX score of XXXX scoring points. 
This information needs to be updated and corrected, 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 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My information was used to both make and pay for purchases on several credit cards, I made all aware I was victim of fraud, yet I am now not able to access any accounts to point out what purchases and payments actually came from 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 2024-07-19 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: MN

Complaint narrative:
I sent certified letters to all credit bureaus in XXXX stating I have been a victim of identity theft and highlighted all fraudulent accounts with a copy of the police report included. I received a letter back on the XXXX of XXXX from XXXX stating " XXXX XXXX at this time declines to block the information you have identified ''. On XX/XX/XXXX XXXX stated in a letter " Please be advised that XXXX, at this time, is not blocking information you named in your request ''. I never received a letter back from Experian. Additionally, I never received a copy of my credit report from any of them. 

I was able to get XXXX account removed from my XXXX XXXX report but then it was sold to a collection 's agency ( in the amount of {$900.00} dollars with another being in the amount of {$440.00} ) that is now reporting it to all bureaus. 

There is also an account with the balance of {$2500.00} that I have been trying to get removed with no luck. I'm receiving multiple emails and calls from them weekly for payments. I started making payments just so it wouldn't keep hurting my credit for missed payments until it gets removed. 

I don't know what else to do other than keep trying to pay off these debts that aren't mine that the credit bureaus won't remove so my credit doesn't keep getting worse. I am currently unable to use my credit and had to give up buying a house because of it even though I had an approval letter for a home before the identify theft occurred. 

Here are the fraudulent debts : XXXX OPENED XX/XX/XXXX XXXX & XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Fraudulent Inquiries Made : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have contacted a lawyer to take more action against all the companies involved. All three credit bureaus, the collections agencies for harassment and the loan agency for harassment 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 2024-07-19 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: IN

Complaint narrative:
On XX/XX/XXXX, I received a credit alert from XXXX that a new line of installment loan of {$300.00} was opened in my name and my credit score dropped by XXXX points as a result. Due to this information, I activated a credit fraud identity alert to all the credit reporting agencies and also put in a freeze in my credit report to ensure no unauthorized loan is opened in my name until this issue is sorted out. 
I later reported the issue to XXXX XXXX XXXX XXXX about an unauthorized installment account that was opened in my name and that they should investigate and removed that account from my credit report since it is an unauthorized and fraudulent account. To my surprise, XXXX XXXX XXXX XXXX reported back to me through email that they have concluded their investigation and the account was reported correctly ( see attached ). 
I have issued another complaint to XXXXXXXX XXXX XXXX with more information but they still not willing to close this account and report back to the credit monitoring bureaus so that it can be taken off my credit score. 
Please kindly assist in this regard. Thanks

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 2024-07-19 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: IN

Complaint narrative:
On XX/XX/XXXX, I received a credit alert from Equifax that a new line of installment loan of {$300.00} was opened in my name and my credit score dropped by XXXX points as a result. Due to this information, I activated a credit fraud identity alert to all the credit reporting agencies and also put in a freeze in my credit report to ensure no unauthorized loan is opened in my name until this issue is sorted out. 
I later reported the issue to XXXX XXXX XXXX XXXX about an unauthorized installment account that was opened in my name and that they should investigate and removed that account from my credit report since it is an unauthorized and fraudulent account. To my surprise, XXXX XXXX XXXX XXXX reported back to me through email that they have concluded their investigation and the account was reported correctly ( see attached ). 
I have issued another complaint to XXXXXXXX XXXX XXXX with more information but they still not willing to close this account and report back to the credit monitoring bureaus so that it can be taken off my credit score. 
Please kindly assist in this regard. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: IN

Complaint narrative:
On XX/XX/XXXX, I received a credit alert from XXXX that a new line of installment loan of {$300.00} was opened in my name and my credit score dropped by XXXX points as a result. Due to this information, I activated a credit fraud identity alert to all the credit reporting agencies and also put in a freeze in my credit report to ensure no unauthorized loan is opened in my name until this issue is sorted out. 
I later reported the issue to XXXX XXXX XXXX XXXX about an unauthorized installment account that was opened in my name and that they should investigate and removed that account from my credit report since it is an unauthorized and fraudulent account. To my surprise, XXXX XXXX XXXX XXXX reported back to me through email that they have concluded their investigation and the account was reported correctly ( see attached ). 
I have issued another complaint to XXXX XXXX XXXX  with more information but they still not willing to close this account and report back to the credit monitoring bureaus so that it can be taken off my credit score.

Please kindly assist in this regard. Thanks

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