vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, several fraudulent accounts have appeared on my credit report. I am requesting that all such fraudulent accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$4400.00} XXXX - XXXX - XX/XX/XXXX - {$8300.00} XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX - XXXX - XX/XX/XXXX - {$6200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$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
Consumer complaint received 2024-11-20 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: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-20 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: MS

Complaint narrative:
I, XXXX XXXX, am addressing several violations of the Fair Credit Reporting Act ( FCRA ) that I believe have occurred and are negatively affecting my credit report. I am authorizing this dispute and affirming that it is being sent directly by me, not by any unauthorized third party. 

The violations I am raising include : Civil Liability for Willful Noncompliance ( FCRA Section 616 ) : The credit reporting agency accepted inaccurate credit information about me without verifying its accuracy, which is a violation of the law. This noncompliance could result in civil penalties of up to {$1000.00} per violation. 

Failure to Disclose Personal Information Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : The agency failed to inform me of my right to opt out of sharing my personal information, a practice that is not only misleading but also unlawful.

Furnishing Inaccurate Information ( FCRA Section 623 ( a ) ( 3 ) ) : The credit reporting agency reported erroneous account details and inquiries without properly validating them. This includes potential violations of Generally Accepted Accounting Principles ( GAAP ).

Debt Collection Violations : The debt collectors reported false debts and accounts on my credit report without my consent, which caused undue distress and harassment. They also failed to comply with the Debt Collection Practices Act and regulations regarding the disclosure of debt information to third parties.

Inaccurate Reporting of Late Payments : The reporting agency inaccurately marked certain payments as " late '' without proper explanation or justification, which misleads creditors and negatively impacts my credit score.

Failure to Accurately Report Finance Charges : The credit agency did not correctly calculate the finance charges associated with my accounts, which they are obligated to do.

Unauthorized Reporting of Information ( FCRA Section 1681b ( a ) ( 2 ) ) : Certain credit inquiries were made on my report without my consent or a permissible purpose, wh
ich violates my rights under the FCRA.

I have outlined several specific items on my credit report that require correction or removal, including inaccurate personal information, false debts, and unauthorized credit inquiries. I have also requested documentation to support the validity of these debts and credit inquiries under the FCRA and the Debt Collection Practices Act. 

If these violations are not addressed promptly, I will pursue legal action as permitted by the FCRA. I am seeking a prompt response to resolve these issues and remove any unauthorized or inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts from my credit file. I am a victim of a data breach, and the following accounts were opened or reported without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove these items from my credit file. 
Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$820.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX/XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$4300.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5000.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$5100.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$330.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts from my credit file. I am a victim of a data breach, and the following accounts were opened or reported without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove these items from my credit file. 
Accounts : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$820.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$4300.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5000.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$5100.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$330.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX XXXX XXXX - XX/XX/XXXX - {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$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 explanation
Consumer complaint received 2024-11-20 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
When My Credit Score Raises Above XXXX Equifax Continues To Drop My Below XXXXThis Has Been A Ongoing Issue With Equifax. Equifax XXXX Want My Credit Score To Be Above XXXX. When Call And Question The Reason For My Credit Score Deduction Equifax Customer Service Has No Reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Information has been stolen after break in and Ive noticed mutilpe attempts to open accounts with my information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company has continued to harass and provide inaccurate reports to my credit report. I do not owe them anything. They have not provided a signed contract agreement that they claim to have with me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-20 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: TX

Complaint narrative:
I am deeply concerned about the inaccuracies I have found on my credit report. Upon review, I noticed several items that are either incorrect or unverifiable. These errors must be corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ). 

I request that you promptly investigate the disputed information and take action to ensure my credit report is 100 % accurate. For your reference, I have attached a copy of my credit report. 

I expect a timely response and a corrected report once the investigation is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I, XXXX XXXX, discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) in my credit report and Im disputing them. The issues I encountered include inaccurate information being reported, improper debt collection practices, and unauthorized hard inquiries. These violations are a direct breach of the FCRA, which protects consumers like me from unfair credit reporting practices.

Under FCRA Section 616, I found that inaccurate credit information was reported about me without verifying its accuracy. This is a clear case of willful noncompliance, which could result in civil penalties of up to {$1000.00} per violation. I also discovered that my personal information was shared without my consent or proper disclosure of my right to opt out, violating FCRA Section 603 ( d ) ( 2 ) ( A ).

Additionally, debt collectors reported debts on my credit report without validating them as required by FCRA Section 623 ( a ) ( 3 ) and 15 U.S.C. 1692g ( the Debt Collection Practices Act ). Some debts were inaccurately reported without my consent, and in some cases, no validation of the alleged debt was provided. These actions are deceptive and violate the law.

Moreover, I found unauthorized hard inquiries on my credit report, including one from XXXX XXXX  in XX/XX/year>, which violated 15 U.S.C. 1681b ( a ) ( 2 ) since they were made without my written consent or a permissible purpose.

Ive demanded the immediate correction of these issues, including the deletion of incorrect addresses, updates to payment histories, and the removal of all unauthorized inquiries. Ive also requested the validation of disputed debts under 15 U.S.C. 1692g. If these violations are not addressed, I will pursue legal remedies, including potential lawsuits under the FCRA for willful noncompliance and any other applicable laws.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and that unauthorized accounts and inquiries have been added to my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all fraudulent accounts and inquiries listed below be blocked and deleted from my credit report. 
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$95.00} XXXX  XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$1300.00} DOE XXXX - XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiries to Be Blocked : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of the fraudulent accounts listed below from my credit report. I am a victim of a data breach, and the following accounts were opened or initiated without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their immediate removal. 
Fraudulent Accounts : XXXX XXXX  XXXX - XX/XX/year> XXXX XXXX  XXXX - XX/XX/year>

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