vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: OH

Complaint narrative:
XXXX XXXX Opened XX/XX/XXXX {$430.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$2500.00} XXXX XXXX Opened XX/XX/XXXX {$130.00} My information may have been impacted by the Equifax, XXXX and XXXX Data Breach and may have

got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon checking my credit report, I discovered accounts that I did not approve. I am asking for these accounts to be removed and blocked immediately.

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 2024-12-11 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:
A collection company XXXX XXXX XXXX acting for XXXX XXXX claims a debt is mine and has added an address that I have never lived at as an address on my credit report. As the debt is linked to that address and I have never held any type of residence at that address, and the collection company was the one that had the address added, it stands that the debt is not mine and is somehow being linked to me. I will not initiate discussing with a collection company for which I have absolutely no responsibility. Save for this added to my credit report I have never had any unpaid debts, at best this is an error and or a fraud perpetuated by someone else. I have no documents to upload or include as I have absolutely NO CONNECTION to the issue. After submitting a complaint to the CFPB, XXXX Credit Bureau reinvestigated and deleted the item to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/year> To whom it may concern, On day XX/XX/year>, I looked at my report. I sent a letter to Experian on day XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX, account number:XXXX, and here is my tracking number : XXXX On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case

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 2024-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
From XXXX until XX/XX/XXXX, I found myself trapped in an abusive relationship that severely impacted various aspects of my life, including my financial stability. As I strive to recover from this difficult period and move forward, one of my primary goals is to improve my credit score. Unfortunately, I've encountered a significant obstacle : numerous credit inquiries have been made against my name, and recently I've discovered that my ex-partner has been running my credit without my consent.

I feel compelled to address this issue and seek assistance in having these unauthorized credit inquiries removed from my credit report. Each inquiry is causing considerable harm to my credit score, which is crucial
as I aspire to buy a home and establish a fresh start away from my past. I've taken the necessary step of filing a police report regarding the unauthorized inquiries, but I am now reaching out for support in remedying this situation.

The inquiries I would like to have removed are as follows : - XXXX XXXX ( Bank ) ** - XX/XX/XXXX - XXXX XXXX XXXX ( Bank ) ** - XX/XX/XXXX - XXXX XXXX ( Bank ) ** - XX/XX/XXXX - XXXX XXXX XXXX ( Finance ) XXXX - XX/XX/XXXX - XXXX XXXX ( Finance ) XXXX - XX/XX/XXXX - **XXXX  ( Finance ) ** - XX/XX/XXXX - XXXXXXXX XXXX XXXX ( Bank ) ** - XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) ** - XX/XX/XXXX - XXXX XXXX ( Finance ) ** - XX/XX/XXXX - XXXX XXXX ( Finance ) ** - XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) ** - XX/XX/XXXXXXXX XXXX XXXX ( Finance ) ** - XX/XX/XXXXXXXX XXXX XXXX ( Finance ) ** - XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) ** - XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) ** - XX/XX/XXXX ( And other inquiries dating back as far as XX/XX/XXXX. ) Resolving this matter would mean a great deal to me and would undeniably help pave the way for my future goals. I am eager to move past this chapter of my life, and I appreciate any support in rectifying these credit issues. Thank you for your understanding and assistance.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX, XXXX and Experian received my letter disputing errors on my credit report on XX/XX/2024 and never responded to my request to update my credit report I submitted documents to support my claims and still no response. These unauthorized accounts and errors are hindering me from being able to properly utilize my credit effectively

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In relation to 15 USC 1681c-2, my credit report includes unauthorized inquiries that I did not approve. These inaccuracies are hurting my credit. Please remove them at once.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2024-12-11 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: GA

Complaint narrative:
I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year!

Here are the items that I need to have fully verified as being 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 2024-12-11 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:
I am writing to inform you of the recent outcome regarding a dispute I initiated concerning a {$12000.00} charge-off from XXXX XXXX XXXX that appeared on my XXXX secondary credit report. On XX/XX/year>, XXXX completed its investigation of this disputed account and subsequently deleted the account from my XXXX report. As this account has now been deleted by XXXX, I respectfully request that the same action be taken on my credit reports with your agency, as this account is no longer verifiable. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, if an account is found to be unverifiable by any of the credit reporting agencies, it must be removed from the consumers credit report within a reasonable time frame, generally 30 days from the completion of the dispute process. 
If XXXX has determined the account to be unverifiable and deleted it, I believe this serves as definitive evidence that the account should not appear on my credit report with your agency either. I respectfully urge you to remove the unverifiable {$12000.00} XXXX XXXX XXXX charge-off from my credit report within 30 days of this notice.

In accordance with the FCRA, specifically Section 1681i ( a ), the credit reporting agencies are required to conduct a reasonable reinvestigation if a dispute is raised and ensure that any account that can not be verified is removed from the consumers report. If you fail to remove this unverifiable account within 30 days or less, I am aware that I have the right to take legal action under the FCRA and other applicable consumer protection laws. Section 1681n of the FCRA provides that if a consumer reporting agency willfully fails to comply with the FCRA, the consumer is entitled to actual damages, punitive damages, and attorney fees. Further, Section 1681o provides for actual damages in cases of negligent non-compliance. Given this, I ask that you take prompt action to remove the unverifiable account from my credit report within 30 days to ensure compliance with the law and avoid the necessity of pursuing legal remedies.

Thank you for your prompt attention to this matter. I expect confirmation of the removal of this account from my credit report within the next 30 days.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to inform you of the recent outcome regarding a dispute I initiated concerning a {$12000.00} charge-off from XXXX XXXX XXXX that appeared on my XXXX secondary credit report. On XX/XX/year>, XXXX completed its investigation of this disputed account and subsequently deleted the account from my XXXX report. As this account has now been deleted by XXXX, I respectfully request that the same action be taken on my credit reports with your agency, as this account is no longer verifiable. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, if an account is found to be unverifiable by any of the credit reporting agencies, it must be removed from the consumers credit report within a reasonable time frame, generally 30 days from the completion of the dispute process. 
If XXXX has determined the account to be unverifiable and deleted it, I believe this serves as definitive evidence that the account should not appear on my credit report with your agency either. I respectfully urge you to remove the unverifiable {$12000.00} XXXX XXXX XXXX charge-off from my credit report within 30 days of this notice.

In accordance with the FCRA, specifically Section 1681i ( a ), the credit reporting agencies are required to conduct a reasonable reinvestigation if a dispute is raised and ensure that any account that can not be verified is removed from the consumers report. If you fail to remove this unverifiable account within 30 days or less, I am aware that I have the right to take legal action under the FCRA and other applicable consumer protection laws. Section 1681n of the FCRA provides that if a consumer reporting agency willfully fails to comply with the FCRA, the consumer is entitled to actual damages, punitive damages, and attorney fees. Further, Section 1681o provides for actual damages in cases of negligent non-compliance. Given this, I ask that you take prompt action to remove the unverifiable account from my credit report within 30 days to ensure compliance with the law and avoid the necessity of pursuing legal remedies.

Thank you for your prompt attention to this matter. I expect confirmation of the removal of this account from my credit report within the next 30 days.

Company response to consumer: Closed with explanation