vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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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 2024-06-20 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 sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have reported this incident as identity theft and have taken immediate action to address it. It is crucial to resolve this matter promptly, as it has adversely affected both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation into this issue. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter would be sincerely appreciated.

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 2024-06-20 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: TX

Complaint narrative:
I am writing to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have reported this incident as identity theft and have taken immediate action to address it. It is crucial to resolve this matter promptly, as it has adversely affected both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation into this issue. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter would be sincerely appreciated.

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 2024-06-20 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: FL

Complaint narrative:
As of XXXX, I XXXX XXXX recently reviewed my consumer profiles on XXXX, Transunion and XXXX and noticed a collection account from XXXX XXXX XXXX reporting a balance from XXXX XXXX XXXX XXXX for {$1500.00}. It is unlawful to report medical information on my consumer credit profile. 15 U.S. Code 1681a 3 ( A ), ( B ) and ( C ) states : Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. The said policy is also reiterated in 12 CFR 1022.30 ( b ( ) 2 ) : General prohibition on obtaining or using medical information ( 1 ) In general. A creditor may not obtain or use medical information pertaining to a consumer in connection with any determination of the consumer 's eligibility, or continued eligibility, for credit. The reporting of my personal medical information on XXXX, Transunion and XXXX are major violations of my federally regulated rights. This reporting has caused pain, harm, duress and discrimination to my person. As a result, I would like this XXXX XXXX XXXX account to be removed from my consumer profiles on XXXX, Transunion and XXXX immediately. Thanks for your cooperation. Without Recourse - 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 2024-06-20 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: FL

Complaint narrative:
As of XXXX, I XXXX XXXX recently reviewed my consumer profiles on XXXX, XXXX and Equifax and noticed a collection account from XXXX XXXX XXXX reporting a balance from XXXX XXXX XXXX XXXX for {$1500.00}. It is unlawful to report medical information on my consumer credit profile. 15 U.S. Code 1681a 3 ( A ), ( B ) and ( C ) states : Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. The said policy is also reiterated in 12 CFR 1022.30 ( b ( ) 2 ) : General prohibition on obtaining or using medical information ( 1 ) In general. A creditor may not obtain or use medical information pertaining to a consumer in connection with any determination of the consumer 's eligibility, or continued eligibility, for credit. The reporting of my personal medical information on XXXX, XXXX and Equifax are major violations of my federally regulated rights. This reporting has caused pain, harm, duress and discrimination to my person. As a result, I would like this XXXX XXXX XXXX account to be removed from my consumer profiles on XXXX, XXXX and Equifax immediately. Thanks for your cooperation. Without Recourse - XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This one its a credit card for medical / dental use at doctors or dentist offices. Back in XXXX of XXXX my dentist applied for me to pay off my balances. I got approved and the secretary at the dentist office said you are approved for {$1300.00}. and you get six months interest free but you have pay off the balance in six months. So I agreed to that. So I got my credit card in mail and I signed up for on line statements only and no paper statements. I was making my payments. On XXXX, XXXX, XXXX I called the credit card company to get my balance and list a large payment. They said that they charged me an interest fee of {$170.00}. for Deferred interest! I argued with them and tried to resolve it but no success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am bringing to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have reported this incident as identity theft and taken immediate action. It is crucial to address this promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am fully prepared to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: AL

Complaint narrative:
i tried several times to fixed this issues but I never heard or receive any response from the XXXX credit bureaus I send my letter last XX/XX/XXXX but untill now I never heard anything from them. I Requesting to delete the following accounts Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$2900.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$1100.00} Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$320.00} Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$320.00} XXXX XXXX, XXXX. 
Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have reported this incident as identity theft and have taken immediate action to address it. It is crucial to resolve this matter promptly, as it has adversely affected both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation into this issue. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter would be sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: Self Financial Inc.
State: OH

Complaint narrative:
I had 2 inquires on my credit for 2 different amounts by 2 different agencies. And I don't recognize then. Nor did I apply for any loans

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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:
Despite my prior attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. This letter marks my today 's attempt to request the removal of these unauthorized transactions from my account. The continued presence of these fraudulent items not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. 
The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. I have attached all relevant documentation once again, including account statements highlighting the fraudulent items and any supporting information that could aid in the investigation. I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance Owed : {$3700.00} ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX  Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/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 2024-06-20 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: FL

Complaint narrative:
I am writing to inform you about the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, which has caused significant distress and concern. I have already reported this incident as a case of identity theft and taken immediate action. 

It is crucial that we address this matter promptly, as it has adversely affected both my financial well-being and personal reputation. Therefore, I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this issue. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. 

Your prompt attention to this urgent matter is greatly appreciated.

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 2024-06-20 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, 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 Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C 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. Which I have provided all of my 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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to inform you about the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, which has caused significant distress and concern. I have already reported this incident as a case of identity theft and taken immediate action. 

It is crucial that we address this matter promptly, as it has adversely affected both my financial well-being and personal reputation. Therefore, I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this issue. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. 

Your prompt attention to this urgent matter is greatly appreciated.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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