vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 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: PA

Complaint narrative:
Account in question is XXXX XXXX XXXX XXXX XXXX Can't verify the account with half of an account number and this account has been disputed more than once for inaccurate information. 
This item was removed from my credit report between the dates of XX/XX/XXXX and XX/XX/XXXX then reinserted within those same dates without proper written notification within 5 business days to me as cited 15 U.S.C. 1681. This was disputed on XX/XX/XXXX. 

Again, I disputed for inaccurate information on XX/XX/XXXX, and the incompleteness of the account. Also, the re-aging of the account from the inaccurate updates as a response to prior disputes. This is due to the closing of the account and marked as charge since XX/XX/XXXX. Then from XX/XX/XXXX to XX/XX/XXXX there was no information to report. It then popped up as a new account in XX/XX/XXXX to XX/XX/XXXX and started reporting as if it was an active account. This is also in violation of my consumer rights under 15 U.S.C. 1681, hence why I can not let this continue to violate my rights and negatively impact my credit report which is detrimental to my livelihood. 

Finally, there are many different variations of my personal information which is also misleading to creditors when checking my credit worthiness, I am seeking credit. This has to stop as I have been taken advantage of for too long.

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 2025-01-01 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: PA

Complaint narrative:
Account in question is XXXX XXXX XXXX XXXX XXXX. Can't verify the account with half of an account number and this account has been disputed more than once for inaccurate information. 
This item was removed from my credit report between the dates of XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX then reinserted within those same dates without proper written notification within 5 business days to me as cited 15 U.S.C. 1681. This was disputed on XX/XX/XXXX. 

Again, I disputed for inaccurate information on XX/XX/XXXX, and the incompleteness of the account. Also, the re-aging of the account from the inaccurate updates as a response to prior disputes. This is due to the closing of the account and marked as charge since XX/XX/XXXXXXXX Then from XX/XX/XXXX to XX/XX/XXXX there was no information to report. It then popped up as a new account in XX/XX/XXXXXXXX XXXX XXXX  and started reporting as if it was an active account. This is also in violation of my consumer rights under 15 U.S.C. 1681, hence why I can not let this continue to violate my rights and negatively impact my credit report which is detrimental to my livelihood. 

Finally, there are many different variations of my personal information which is also misleading to creditors when checking my credit worthiness, I am seeking credit. This has to stop as I have been taken advantage of for too long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights. 
I looked at XXXX credit report on XXXX XXXX and noticed somethings are incomplete and not accurate.And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) 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 1681s-2 they are suppose to 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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:
Experian XXXX XXXX XXXX, TX XXXX Subject : Request to Remove Unauthorized Hard Inquiry Due to Identity Theft Dear Experian, I am writing to formally report that I am a victim of identity theft. I recently reviewed my credit report and discovered an unauthorized hard inquiry from XXXX XXXX XXXX XXXX, dated XX/XX/year>. I want to emphasize that I did not apply for or authorize this inquiry and have never sought any credit products from XXXX XXXX XXXX XXXX. 

My personal information was exposed in the XXXX data breach, which I believe may have contributed to this fraudulent activity. Under the provisions of the Fair Credit Reporting Act ( FCRA ) and its amendments, particularly section 605B ( 15 U.S. Code 1681c-2 ), I am requesting the immediate removal of this hard inquiry from my credit report. The FCRA mandates that once a consumer provides evidence of identity theft and requests the removal of fraudulent items, the credit bureau must block and remove such items within four business days of receiving the request.

To comply with the law, I have enclosed the following : A copy of my credit report highlighting the unauthorized hard inquiry. 

A completed Identity Theft Report ( FTC affidavit and/or police report ). 

Proof of my identity, including a copy of my government-issued ID and proof of residence. 

Failure to comply with this request would constitute a violation of the FCRA, specifically section 605B. The penalties for noncompliance include fines and statutory damages, as provided under 15 U.S. Code 1681n and 1681o. Case precedents, such as XXXXXXXX XXXX XXXXXXXX XXXX, demonstrate that credit reporting agencies may be held liable for damages resulting from inaccuracies on a credit report due to inadequate resolution of identity theft claims. 

I kindly request written confirmation that the unauthorized inquiry has been removed from my credit report. If you need additional information or documentation to process this request, please contact me at [ your phone number ] or [ your email address ]. 

Thank you for your prompt attention to this matter. I look forward to your confirmation within the legally required timeframe. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My SSN was used to open a credit card with 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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My SSN was used to open a credit card with XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My SSN was used to open a credit card with XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: OLIPHANT FINANCIAL, LLC
State: NY

Complaint narrative:
You are claiming I owe you a debt which is inaccurate. Please provide me validation of this debt immediately. As you are no doubt aware, invalidated information must be removed from my credit reports immediately. Please note that I am not concerned with VERIFICATION of this debt. Send me VALIDATION at once. From the date you receive this letter cease and desist from reporting this information onto my credit reports. Continuing to do so violates my rights and i will take action against you. In your validation response, provide me with the following 1. A description of what the money you are alleging I owe you is for 2. A detailed reconciliation of this account and how you have calculated the amount you claim I owe you. An expianation of who the original creditor is. when this account was last paid to the original creditor, and an originating document 4. Send me proof that the statute of limitations on this account has not expired 5. Include your license number ( all of them ), and your registered agents ) information. If you do not have validation or your records indicate you are attempting to collect this debt in error, send me a response stating this and immediately remove this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: Checkr, Inc
State: TX

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX XXXX XXXX XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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 inquiring about the fact that I am a victim of the data breach that occurred in early XXXX from the Department of the Treasury, in which unclassified documents were breached. As a result, I have received unknown harmful insertions onto my XXXX, Equifax, and XXXX consumer credit reports. The law mandating that credit reporting agencies ensure the security and confidentiality of personal information is the XXXX XXXX XXXX XXXX ( XXXX ) enacted in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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:
I am inquiring about the fact that I am a victim of the data breach that occurred in early XXXX from the Department of the Treasury, in which unclassified documents were breached. As a result, I have received unknown harmful insertions onto my XXXX, XXXX, and Experian consumer credit reports. The law mandating that credit reporting agencies ensure the security and confidentiality of personal information is the XXXX XXXX XXXX XXXX ( XXXX ) enacted in 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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Seen XXXX of XXXX, I notice several of accounts that were not my account in my credit report, I never applied for rental application in couple of years, and did not notice that I had this account in my Tenant Screening. The following account is not mine I never lived at the following address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Residential Communities- Creditor Name XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I had my identity stolen several years back, and they person open up credit cards in my name and looks they got place also. This is not mine, I still working in XXXX Police department who has a detective still working on 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 2025-01-01 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: DISCOVER BANK
State: TX

Complaint narrative:
My credit file was pulled and didnt receive a product and this is a violation and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character. 
Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 
By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 
The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : BestBuy/CBNA Account # : XXXX This account is listed as a collection/charged off account on my credit report but I have not recieved a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation

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 2025-01-01 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: PNC Bank N.A.
State: FL

Complaint narrative:
ACCORDING TO THE FAIR CREDIT REPORTING ACT ( FCRA ) section 605B requires consumers reporting agencies ( CRAs ) to block the reporting of any information in a consumers file that the claims resulted from identity theft. I am unaware of the hard inquiries and collections on my report. pnc bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX ( unauthorized and unaware of this collection ) this company has yet to give a purchase agreement with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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 inquiring about the fact that I am a victim of the data breach that occurred in early XXXX from the Department of the Treasury, in which unclassified documents were breached. As a result, I have received unknown harmful insertions onto my Transunion, XXXX, and XXXX consumer credit reports. The law mandating that credit reporting agencies ensure the security and confidentiality of personal information is the XXXX XXXX XXXX XXXX ( XXXX ) enacted in 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 2025-01-01 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 writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief