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: MD

Complaint narrative:
I am writing to formally request the blocking and removal of fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605B. I am a victim of a data breach that has resulted in unauthorized accounts and inquiries appearing on my credit report.

Please find the fraudulent accounts and inquiries listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 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: MD

Complaint narrative:
I am writing to formally request the blocking and removal of fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605B. I am a victim of a data breach that has resulted in unauthorized accounts and inquiries appearing on my credit report. 
Please find the fraudulent accounts and inquiries listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed inquires that I did not make nor did I approve anyone to pull my credit report. And my credit was impacted by equifax breach and proof is with documentions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: IDAHO CENTRAL CREDIT UNION
State: WA

Complaint narrative:
Both me and my wife have submitted payments to finish paying off the XXXX XXXX XXXX we bought. We desired to finish paying it off early. So I have regular payments come from my account and my wife sends in occasional large payments. Recently she submitted the final payment or it should have been. The company Idaho central credit union decided to not accept that final payment. So that we have a couple of months of payments longer. We wanted to be finished. They listed the payment my wife sent of {$1500.00} as unapplied. They are insisting we still owe them money. Yet the {$1500.00} came out of my wife 's account. The is just theft.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported to the credit reporting agencies regarding my account with XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) and other relevant laws, I am entitled to accurate and verifiable information on my credit report. 

Details of the Dispute : Account Details : XXXX XXXX XXXX XXXX XXXX  ) Inaccurate Reporting : Late payments, including 120 days past due, have been inaccurately reported across multiple months, despite discrepancies in timing and reporting across credit bureaus ( XXXX and TransUnion ) XXXX 
Legal Concerns Raised : Permissible Purpose ( FCRA Section 604 ) : You are required to ensure that any information shared with credit reporting agencies is accurate and only for permissible purposes. The reporting of inaccurate delinquency status violates this obligation and infringes upon my rights under the FCRA. 

Privacy Act of 1974 : I have not provided consent to share or report incorrect and unverifiable information. Reporting incorrect details not only violates the FCRA but could also constitute a breach of my privacy rights under the Privacy Act of 1974. 

Timing of Payments ( FCRA Section 623 ( a ) ( 5 ) ) : Under the FCRA, furnishers of credit information must ensure the accurate timing of delinquencies and ensure consistency across all bureaus. The reported 120 days past due status lacks proper timing verification, as evident from the discrepancies in the reporting date.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported to the credit reporting agencies regarding my account with XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) and other relevant laws, I am entitled to accurate and verifiable information on my credit report. 

Details of the Dispute : Account Details : XXXX XXXX XXXX XXXX Account ) Inaccurate Reporting : Late payments, including 120 days past due, have been inaccurately reported across multiple months, despite discrepancies in timing and reporting across credit bureaus ( Equifax and XXXX ) XXXX 
Legal Concerns Raised : Permissible Purpose ( FCRA Section 604 ) : You are required to ensure that any information shared with credit reporting agencies is accurate and only for permissible purposes. The reporting of inaccurate delinquency status violates this obligation and infringes upon my rights under the FCRA. 

Privacy Act of 1974 : I have not provided consent to share or report incorrect and unverifiable information. Reporting incorrect details not only violates the FCRA but could also constitute a breach of my privacy rights under the Privacy Act of 1974. 

Timing of Payments ( FCRA Section 623 ( a ) ( 5 ) ) : Under the FCRA, furnishers of credit information must ensure the accurate timing of delinquencies and ensure consistency across all bureaus. The reported 120 days past due status lacks proper timing verification, as evident from the discrepancies in the reporting date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I don't owe this debt. The previous collection agency that bought my debt closed the account and removed it from my credit report. Then this agency showed up on my credit and is reporting the debt as new debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account Number : 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 non-monetary relief
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account Number : XXXX XXXX XXXX XXXX - Incorrect addresses XXXX - Incorrect 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
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/year> ] followed on [ XX/XX/year> ] and followed up on [ XX/XX/year> ]. 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/year> XXXX XX/XX/year> 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 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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently applied for credit and was provided a copy of my consumer file from Experian. I found many inaccuracies pertaining to my personal information. The Fair Credit Reporting Act ( FCRA ) mandates that the CRAs maintain accurate and up to date information in my consumer credit file.

Per 15 U.S. Code 1561c Requirements relating to information contained in consumer reports Again, the FCRA mandates that only accurate, relevant and up to date information should be reported. Old and inaccurate personal information including incorrect names and inaccurate addresses can lead to confusion and misidentification, for this reason it should be REMOVED.

The following names need to be REMOVED : NAME NAME IDENTIFICATION NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses need to be REMOVED : ADDRESS ADDRESS IDENTIFICATION NUMBER XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL 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 2024-11-30 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 am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts have been opened in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts and inquiries related to this breach be blocked and permanently deleted from my credit report.

Below are the accounts and inquiries I am requesting to be blocked and deleted : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$910.00} XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$420.00} Unauthorized Inquiry XXXXXXXX XXXX XXXX Inquiry Date : 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally request the blocking and removal of fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of identity theft as a result of a data breach, and the following accounts and inquiries were reported without my authorization.

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I request these items be blocked and permanently deleted from my credit file. 
Fraudulent Accounts XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$130.00} XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$710.00} XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$1300.00} Unauthorized Inquiries XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : 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 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I disputed some late payments on my XXXX report on XX/XX/year> for my XXXX XXXX Account. The late payments were removed from XXXX and the consumer reporting agencies are still reporting the late payments.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed some late payments on my XXXX report on XX/XX/year> for my XXXX XXXX Account. The late payments were removed from XXXX and the consumer reporting agencies are still reporting the late payments.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disputed some late payments on my XXXX report on XX/XX/year> for my XXXX XXXX Account. The late payments were removed from XXXX and the consumer reporting agencies are still reporting the late payments.

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 card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding an ongoing issue with a fraudulent transaction on my Macy 's account {$49.00} if I'mnot mistaken, which has been unresolved since 2017. Despite my efforts to dispute this issue, Macy 's has failed to correct it on my credit report, and the matter persists, and kow the amount is {$340.00}. 

To clarify, the issue is not that my account was flagged as fraud ; rather, there was a fraudulent transaction made on my Macy 's account that I did not authorize. I have made multiple attempts to resolve this, including contacting Macy 's customer service, filing disputes, and providing evidence that the transaction was fraudulent. However, Macys has refused to remove the negative entry from my credit report, despite the fact that the status of limitations for such transactions has passed. 

I believe Macys is in violation of the Fair Credit Reporting Act ( FCRA ), as they have failed to appropriately address this fraudulent transaction and remove it from my credit history. It is now affecting my credit score and ability to secure credit, and Macys has provided no reasonable justification for why this remains unresolved.

I request that the CFPB investigate this matter and take appropriate action to ensure that Macy 's rectifies this situation. Specifically, I ask that Macy 's be instructed to remove the fraudulent transaction from my credit reports and update their records to reflect that the account. I'm having difficulty getting my life together because of this matter.

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