vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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: NY

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

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This is not a duplicate request nor filed by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, EXPERIAN a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounted opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED opened XXXX XXXX XXXX Account Number : XXXX US DEPT ED opened XXXX XXXX XXXX Account Number : XXXX US DEPT ED opened XXXX XXXX XXXX Account Number : XXXX US DEPT ED opened XXXX XXXX XXXX Account Number : XXXX US DEPT ED opened XXXX XXXX XXXX Account Number : XXXX US DEPT ED XXXX XXXX XXXX Account Number : XXXX US DEPT ED XXXX XXXX XXXX Account Number : XXXX US DEPT ED XXXX XXXX XXXX XXXX Account Number : XXXX these accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aformentioned accounts, collections, and or hard inquiries as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.

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 2024-09-14 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: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-09-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEMS ( Original creditor ) is what is listed on my credit report with a balance due of {$13000.00}. I was unaware that from my previous complaint submitted with CFPB, they sent in the ( lease ) that does NOT show any proof that I owe that company. They also sent in a document with fraudulent charges that were typed probably from the comfort of their home. WHERE are the documents? anyone can send in an itemized list. WHERE IS THE PROOF bc those are fraudulent charges? Texas Rents were responsible for those rents being paid. That was a government fund for those unable to pay due to the XXXX pandemic. this mess has been sitting on my credit and it should not be. 

Could you please have these fraudulent charges struck from my credit report. 

Thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to file a formal complaint against Equifax for failing to respond to a dispute letter I sent on XX/XX/XXXX. I mailed the letter via USPS certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), requesting specific information on how Equifax verified the disputed items on my credit report. To date, I have not received any response from Equifax.

In my dispute letter, I requested the following information, which I am entitled to under the Fair Credit Reporting Act ( FCRA ) : The date Equifax contacted the creditor or furnisher of the disputed items.

Contact information for the creditor or furnisher.

The name of the person who verified the disputed item.

The method of communication used to verify the information ( e.g., phone, email, etc. ).

Whether the creditor or furnisher provided my Social Security number, address, and date of birth during the verification process.

Equifaxs failure to provide a response within the legally required timeframe violates my rights under the FCRA, which mandates that credit reporting agencies must conduct a thorough investigation into disputed items and provide specific details about their verification process when requested.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure Equifax adheres to its legal obligations. I also seek your assistance in obtaining the deletion of all disputed items on my credit report due to Equifaxs failure to verify and respond within the required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TO WHOM IT MAY CONCERN, 15 USC 1681s-2 STATES THAT A CONSUMER REPORTING AGENCY SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER IF THE CONSUMER KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. I HAVE MULTIPLE ACCOUNTS THAT ARE INACCURATE ACCORDING TO TAX LAW 26 USC 61 SECTION 11 STATES THAT DISCHARGE OF INDEBTEDNESS IS CONSIDERED TAXABLE GROSS INCOME PER THE IRS CLEARLY DEFINES A CHARGE- OFF AS GROSS OR ORDINARY INCOME AND INCOME DOES NOT GET REPORTED TO A CONSUMERS CREDIT REPORT, WHICH MAKES THIS INFORMATION INACCURATE! AS A RESULT I'D LIKE IMMEDIATE REMOVAL FOR ALL NEGATIVE ACCOUNTS. ALSO, I HAVE NO KNOWLEDGE OF ANY OF THE INQUIRIES AND COLLECTION ACCOUNTS WHICH MAKED THIS INACCURATE! AS A RESULT I'D LIKE IMMEDIATE REMOVAL FOR THOSE ACCOUNTS AS WELL!

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 2024-09-14 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: IN

Complaint narrative:
The following credit inquiries are currently listed on my credit report and I do not recognize any of the inquiries. Besides not recognizing the inquiries I didn't not authorize any of these institutions to run my credit. Transunion report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: IL

Complaint narrative:
Im asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: AL

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 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 2024-09-14 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: OH

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: IL

Complaint narrative:
Im confident that I pay on time, but I dont understand why Im being reported as late for some months. Per USC 1666b, any billing mistake should be corrected to show that I paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within XXXX  days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) XXXX ( g ) Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 

These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke XXXX XXXX XXXX XXXX - XXXX liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law. 
XXXX XXXX XXXX XXXX - XXXX liability ( a ) Amount of damages

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 2024-09-14 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: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-09-14 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:
Im asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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:
XXXX asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from my 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 2024-09-14 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: CORELOGIC INC
State: MS

Complaint narrative:
There are several inquiries on my credit report that I did not authorize. I did not authorize XXXX XXXX XXXX, nor XXXX XXXX  to run my credit. XXXX and XXXX inquired on XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX and XXXX XXXX inquired several different times, some back to back ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX, per 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 2024-09-14 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: OH

Complaint narrative:
I have previously disputed several accounts with the credit bureau for inaccurate reporting and because I had no knowledge of these accounts appearing on my credit report. Despite this, the credit bureau sent me a report stating that these accounts were verified. However, I have already disputed these same accounts through the CFPB, and none of them were able to verify the debt. I am confused as to how the credit bureau can now claim that the accounts have been verified. 

Given the credit bureau 's incompetence in handling this matter, I am requesting a thorough investigation. I have attached copies of my FTC report, a police report, my identification, and proof of address to support my case. Before I proceed with seeking legal representation against the credit bureau, I want this matter resolved properly. 

Below is a list of the accounts I believe to be fraudulent and in violation : XXXX XXXX Account Number : XXXX Amount : {$1900.00} XXXX XXXX  XXXX Account Number : XXXX Amount : {$170.00} XXXX XXXX  XXXX XXXX Account Number : XXXX Amount : {$1600.00} XXXX Account Number : XXXX Amount : {$780.00} XXXX XXXX Account Number : XXXX Amount : {$500.00} And the following : Company/Organization : XXXX Account XXXX : XXXX Amount : {$290.00} 2. Company/Organization : XXXX Account XXXX : XXXX Amount : {$590.00} 3. Company/Organization : XXXX XXXX Account XXXX : XXXX Amount : $ {$110.00} 4. Company/Organization : XXXX XXXX XXXX Account Number : XXXX Amount : {$220.00} 5. Company/Organization : XXXX XXXX Account Number : XXXX Amount : {$310.00} I am looking forward to a proper resolution to this issue.

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 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
Need Immediate Assistance with Fraudulent Charges and Account Resolution I am submitting a complaint against Discover regarding the mishandling of my account following a robbery and data breach that compromised my personal information. 

Recently, I spoke with a representative concerning being recharged for reversed fraud charges amounting to {$8700.00}, which had already been paid. When I initially contacted Discover to report the robbery and compromised information, they did not initiate a fraud dispute. Instead, they filed a billing claim and categorized all charges fraud under a general claim without properly distinguishing which charges were fraudulent. 

Discover has not reviewed any transactions with me and has failed to confirm which transactions are fraudulent and which are legitimate. Furthermore, they resumed charging me for transactions I had already paid, leading me to stop making payments entirely, which has resulted in the accumulation of fraudulent accounts and a past due balance. 

I have previously submitted a complaint through the CFPB, but it has been closed multiple times without resolution. I urgently need someone to reach out to me so we can review my transactions and resolve this matter, allowing me to reopen my account. Prior to this issue, I consistently made my payments on time and had never missed a due date. 

As a victim of a data breach, many of the fraudulent charges are digital in nature. I request your assistance in addressing this critical situation as soon as possible.

Company response to consumer: Closed with explanation