vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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: PA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX Dear Sir/Madam, I am submitting this complaint to formally request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that both XXXX and Experian credit reporting agencies block the fraudulent information on my consumer credit report resulting from identity theft and fraud. This information must be blocked within four business days of receiving this complaint.

The fraudulent accounts in question include : 1. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. 
2. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. 

Due to the negligence of the entities responsible for protecting my personal information, my financial integrity has been compromised, restricting my access to better financial opportunities. This situation has severely affected my mental health and placed a significant strain on my family life. 

I have attached a list of the fraudulent accounts related to this, along with a copy of my FICO credit report showing the fraudulent items. I do not recognize these accounts or collections, as they were not opened or authorized by me. All the accounts and collections mentioned are the direct result of identity theft and fraud. 

Additionally, I have attached a copy of the FTC Identity Theft police report to further substantiate my claim. 

Please block this inaccurate and fraudulent information from my credit report at your earliest convenience to prevent further harm to my financial standing. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX. 
Authorized Representative of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Re : Follow-Up Request for Immediate Removal of Fraudulent Account Dear Early Warning, I am writing to follow up on my prior communication sent in XXXX XXXX XXXX regarding a fraudulent account listed on my business 's Early Warning report. Regrettably, I have not received a response, nor has there been any action taken to remove the fraudulent account from my report.

Upon reviewing my report, I identified an account with XXXX XXXX XXXX XXXX, that was fraudulently opened in my name without my knowledge or consent. The account details are as follows : - Bank Name : XXXX XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX I have also taken further steps since my last correspondence, including filing a report with the Federal Trade Commission ( FTC ), confirming the account was opened as part of an identity theft scheme.

Given the substantial documentation supporting my claim, I now formally demand the immediate removal of this fraudulent account from my business Early Warning report. This matter has already caused significant damage, and failure to resolve this issue in a timely manner will force me to escalate the situation further, potentially involving legal action.

Please confirm the removal of the fraudulent account in writing at your earliest convenience and also Request that XXXX XXXX XXXX update their records. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX. 
Authorized Representative of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I sent Experian a letter in the mail asking them to delete all personal information on my credit report besides my one and only name my one and only adress my one and only phone number and they added XXXX names to my credit report and XXXX addresses

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 2024-09-19 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: CT

Complaint narrative:
I REPORTED TO ALL THREE MAJOR CREDIT REPORTING AGENCIES OF MY PERSONAL INFORMATION BEING IN A DATA BREACH COMPROMISING ALL MY BANK ACCOUNTS, EMAILS, PASSWORDS ETC

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 2024-09-19 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: CT

Complaint narrative:
I REPORTED TO ALL THREE MAJOR CREDIT REPORTING AGENCIES OF MY PERSONAL INFORMATION BEING IN A DATA BREACH COMPROMISING ALL MY BANK ACCOUNTS, EMAILS, PASSWORDS ETC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal and final demand to immediately delete the inaccurate and unverifiable account referenced above from my credit report. Under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ) and 15 U.S.C. 1681s-2 ( Fair Credit Reporting Act ), I have the right to dispute any erroneous information on my credit report and demand immediate correction if the information can not be fully verified.

You are hereby notified that you have 30 days from the receipt of this letter to : Provide full legal validation of the debt, including all original signed agreements. 
Remove this account from all three major credit reporting agencies ( XXXX, XXXX, and TransUnion ), as the continued reporting of this inaccurate information constitutes a violation of federal law. 

Failure to comply within 30 days will leave me no option but to take immediate legal action against your agency for violations of both the FDCPA and FCRA. This includes pursuing legal action to seek statutory damages, actual damages, and recovery of all legal fees. Additionally, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure your agency is held accountable for these violations. 

This is your final notice to resolve this matter promptly. Please confirm that the account has been deleted from my credit report and that you have ceased all communication with me regarding this matter, as per my rights under 15 U.S.C. 1692c ( c ). 

I trust you will handle this situation professionally and in compliance with the law. I look forward to receiving confirmation of the removal within 4 days. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal and final demand to immediately delete the inaccurate and unverifiable account referenced above from my credit report. Under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ) and 15 U.S.C. 1681s-2 ( Fair Credit Reporting Act ), I have the right to dispute any erroneous information on my credit report and demand immediate correction if the information can not be fully verified.

You are hereby notified that you have 30 days from the receipt of this letter to : Provide full legal validation of the debt, including all original signed agreements. 
Remove this account from all three major credit reporting agencies ( XXXX, Equifax, and XXXX ), as the continued reporting of this inaccurate information constitutes a violation of federal law. 

Failure to comply within 30 days will leave me no option but to take immediate legal action against your agency for violations of both the FDCPA and FCRA. This includes pursuing legal action to seek statutory damages, actual damages, and recovery of all legal fees. Additionally, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure your agency is held accountable for these violations. 

This is your final notice to resolve this matter promptly. Please confirm that the account has been deleted from my credit report and that you have ceased all communication with me regarding this matter, as per my rights under 15 U.S.C. 1692c ( c ). 

I trust you will handle this situation professionally and in compliance with the law. I look forward to receiving confirmation of the removal within 4 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ XXXX XX/XX/XXXX ] [ EXPERIAN ] [ XXXX ] [ EXPERIAN ] XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX XXXX Dear [ EXPERIAN ] XXXX I am writing to dispute the accuracy of the information related to my personal data that was compromised in the past two data breaches at your company which occurred in XXXX and XXXX. I reached out in XXXX when I initially added a security freeze on my credit report. I noticed inaccurate information and it was removed and now it is back. When your company informed me my information was compromised, you all merged my credit file with my Grandmothers which we lived at the same address and carry the same name and offered free credit monitoring, all inaccurate information was removed. Upon pulling my credit report I found the following inaccuracies we reported back on my credit report and I am disputing the following information : Inaccurate address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TO THE ACTIVE CEASE AND DESIST THIS COMPANY MAY NOT CONTACT ME THROUGH AN MEDIUM WHICH INCLUDES MY CREDIT REPORT. SEEING AS THE COMPANY FAILED TO PROVIDE THE ACCURACY AND VALIDITY OF THIS DEBT WHICH INCLUDES BUT NOT LIMITED TO ALL ORIGINAL DOCUMENMTATION CONTAINING MY SIGNATURE, AMOUT OF DEBT OWED AND SINCE THIS DEBT WAS SOLD TO THEM. I ALSO INQURIED ABOUT THE PRICE AT WHICH THE DEBT WAS SOLD. 

XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PHONE NUMBER ( XXXX ) XXXX I was notified of the data breach on [ XXXX ] and have since taken steps to protect my personal information. However, I am concerned that the breach may have resulted in inaccurate information being reported about me. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and request that it be corrected. I request that you investigate this matter and correct any inaccurate information related to my personal data. Please provide me with the following : A description of the procedures used to verify the accuracy of the information A copy of the information that was compromised A statement indicating whether any inaccurate information was reported I would appreciate it if you could expedite this matter and correct any inaccurate information as soon as possible. Thank you for your 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 explanation
Consumer complaint received 2024-09-19 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: NY

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2024-09-19 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX account Account XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX Credit Report on XX/XX/2024 and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to USC 1681 ( e ) ( b ) According to 15 USC 1681i they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information In general, after any reinvestigation under investigation under paragraph ( 1 ) of any information disputed.

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 2024-09-19 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
To Whom It May Concern, This is a formal complaint letter concerning inaccurate and discrepancies I have found in my credit report. I Have recently pulled my credit report having negative and inaccurate information has affected me trying to buy a house. I have disputed with XXXX and mailed all the companies disputes and validation letters of all my accounts, it has been 13 days since I mailed the request, and XXXX Letters have been returned not deliverable addressed unable to forward. 
XXXX. XXXX XXXX XXXX - {$870.00} XXXX. U S Department of EDXXXX {$3300.00} XXXX. U S Department of EDXXXX {$4100.00} XXXX. XXXX Accounts Charged Of {$12000.00}. XXXX Account- {$8500.00}. Another Closed Account Paid but still in my credit report. 
XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX. XXXX XXXX - XXXX XXXX Account XXXX. XXXX XXXX - XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: OneMain Finance Corporation
State: PA

Complaint narrative:
To Whom It May Concern, This is a formal complaint letter concerning inaccurate and discrepancies I have found in my credit report. I Have recently pulled my credit report having negative and inaccurate information has affected me trying to buy a house. I have disputed with XXXX and mailed all the companies disputes and validation letters of all my accounts, it has been 13 days since I mailed the request, and 3 Letters have been returned not deliverable addressed unable to forward. 
XXXX. XXXX XXXX XXXX - {$870.00} XXXX. U S Department of EDXXXX {$3300.00} XXXX. U S Department of EDXXXX {$4100.00} XXXX. ONEMAIN Accounts Charged Of {$12000.00}. Closed Account- {$8500.00}. Another Closed Account Paid but still in my credit report. 
XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX. XXXX XXXX - Paid Closed Account XXXX. XXXX XXXX - Paid Closed Account XXXX. XXXX XXXX XXXX Paid Closed Account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

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 2024-09-19 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.

Complaint narrative:
This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00}

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 non-monetary relief