vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Follow-up Complaint Against ChexSystems, XXXX for FCRA XXXX XXXX Complaint # XXXX ) To Whom It XXXX Concern, This letter serves as a follow-up to my previous complaint ( Complaint # XXXX ) against ChexSystems, XXXX regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the fraudulent information reported by Bank of XXXX and XXXX Bank on my ChexSystems report XXXX Despite my previous complaint and the evidence provided, ChexSystems has failed to resolve the issue adequately. 

Background I am disputing fraudulent accounts linked to identity theft that occurred in XXXX, XXXX, XXXX years ago. I have submitted a valid FTC Identity Theft Report. 

However, ChexSystems has : - Labeled my dispute as frivolous and failed to investigate thoroughly. 
- Refused to block fraudulent trade lines despite the clear evidence of identity theft. 
- Requested unreasonable documentation ( a police report from XXXX authorities or a law enforcement-signed FTC Identity Theft Report ), which is not feasible for me to provide. 

Unreasonable Demands for Documentation - ChexSystems ' request for a police report from XXXX XXXX XXXX Police or a law enforcement-signed FTC Identity Theft Report is unreasonable, as the identity theft occurred outside of the XXXX, XXXX XXXX, XXXX. It is impractical for a XXXX XXXX XXXX to sign an FTC report or provide a local police report for an international incident. This is a burden on consumers that should not be required, especially when an FTC Identity Theft Report is already available. 

FCRA XXXX ChexSystems actions continue to violate the FCRA in the following ways : Failure to Conduct a Reasonable Investigation ( FCRA 611 ) : - The company failed to reinvestigate properly, relying only on the information from the reporting institutions.

- Failure to Block Fraudulent Information ( FCRA 605B ) : ChexSystems has not acted on the FTC report and continues to require unnecessary documentation.

Failure to Ensure Accuracy ( FCRA 607 ( b ) ) : - The company has not ensured the accuracy and completeness of my consumer report, despite the evidence provided. 

Harm Caused The unresolved issues with my report continue to negatively impact my ability to open new financial accounts and have caused emotional and financial stress.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/year> I received a notification that XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  all had inquiries to my credit report and someone was trying to open credit cards in my name. I contacted all of these banks and reported the fraud. 
On XX/XX/year> I reviewed my credit report through Exparian and froze my credit and also added Experian identity works alerts for a cost of {$4.00} per month. 
On XX/XX/year> I received a text message from my Experian app that said I cancelled my membership in the Experian identity works. I did not cancel this membership! I was able to open my account on the Experian mobile app and saw that my email address and phone number were changed to different than mine. Yes, some had stolen my identity using the Experian website!! I immediately reached out to Experian and after some effort I was able to reach an Experian employee and tell them what had happened and was able to refreeze my credit. I was told by Experian that I would need to send them proof of my identity which included my license, SS card, proof of addresses and a letter detailing what happened. All of this information was express mailed to Experian the same day and was received by them on XXXX.I have called Experian on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, ,and XX/XX/year> to get updates on the case that was opened and I'm still waiting for someone to call me back to restore my access to the Experian website. On the occasion that I have spoken to the membership department at Experian they have told me they have received all of my documentation and have confirmed my identity but they are waiting for the escalation team to confirm everything before my account. They have no time frame of when this will be done, and as of this date I have not received any phone calls from Experian.

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 2025-01-08 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: FL

Complaint narrative:
I am avictim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION XXXX of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within XXXX  days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section XXXX of the Fair Credit Reporting Act within XXXX  days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

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 KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM ***

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-01-08 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian is still incorrectly reporting my account with XXXX XXXX as closed at the grantor 's request. THE ACCOUNT IS STILL OPEN EXPERIAN! The company emailed me today stating that the account was updated and shows the latest status. EXPERIAN THIS ACCOUNT IS NOT CLOSED!!!!!!! SEE THE ATTACHED DOCUMENT! Your company did not properly investigate, nor did you verify the account with the original creditor as required by law!!

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name, address, date of birth, and Social Security Number ( SSN ). These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, 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 2025-01-08 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: FL

Complaint narrative:
The following accounts are the product of identity theft : 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 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 non-monetary relief
Consumer complaint received 2025-01-08 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:
The following accounts are the product of identity theft : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: EQUIFAX, INC.
State: KS

Complaint narrative:
Subject : Dispute Regarding Unauthorized Credit Inquiries Due to Identity Theft Dear CFPB, I am writing to formally dispute unauthorized credit inquiries and applications reported on my credit report. The following entities have recorded these inquiries without my knowledge or consent, constituting a case of identity theft : XXXX XXXX ( Auto loan applications : XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX NA ( Credit card applications : XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Auto loan applications : XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX  ( Auto loan applications : XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( Auto loan applications : XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX loan applications : XX/XX/XXXX ) XXXX XXXX XXXX ( Credit applications XXXX XX/XX/XXXX ) XXXX XXXX ( Credit applications : XX/XX/XXXX ) XXXX XXXX XXXX ( Credit applications : XX/XX/XXXX ) XXXX XXXX XXXX ( Credit applications : XX/XX/XXXX ) Legal Basis for Dispute : These unauthorized inquiries are violations of state and federal laws, including : Uniform Commercial Code ( UCC ) : Under UCC XXXX, third parties must have explicit consent to XXXX on behalf of another party. These inquiries lack my authorization, violating contractual norms. 

Federal Statutes : 15 U.S.C. 1681b ( Fair Credit Reporting Act ) : Credit inquiries must have a permissible purpose, such as written consent from the consumer, which these entities did not obtain.

18 U.S.C. 1029 ( XXXX and XXXX XXXX ) : Identity theft and unauthorized use of personal information for credit applications constitute criminal fraud. 

Kansas Statutes : XXXX. XXXX : Identity theft is explicitly prohibited under Kansas law XXXX and violators are subject to both civil and criminal penalties. 

XXXX. XXXX : Financial institutions must adhere to strict guidelines regarding consumer credit applications, including obtaining informed consent.Identity Theft Protections : If identity theft is involved, the FCRA XXXX specific rights under 15 U.S.C. 1681c-2, including the ability to block fraudulent information from appearing on your credit report after providing proof of identity theft ( e.g., an identity theft affidavit ). 

These laws ensure that no entity can access, use, or report information on your credit file without a legitimate purpose or your explicit authorization. 

XXXX of XXXX : I did not provide any of the aforementioned entities with authorization to access or run my credit. These inquiries were made without my knowledge or consent, violating my rights under the applicable laws. 

\

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
XXXX XXXX and trans union are reporting different information on a lot of accounts for instance XXXX XXXX XXXX XXXX XXXX XXXX Are all reporting different balances and account statuses these are affecting my credit when according to 15 USC 1681 all three bureaus are to report accurately or delete the account

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX equifax and XXXX XXXX are reporting different information on a lot of accounts for instance XXXX XXXX XXXX XXXX XXXX XXXX Are all reporting different balances and account statuses these are affecting my credit when according to 15 USC 1681 all three bureaus are to report accurately or delete the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NM

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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 2025-01-08 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-08 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I want to XXXX  that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention 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 2025-01-08 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: LA

Complaint narrative:
Recently I saw a XXXX XXXX on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NY

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 2025-01-08 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On XXXX XX/XX/XXXX I was informed that XXXX had taken over my account from XXXX. The amount was XXXX. 

On XXXX XX/XX/XXXX contacted XXXX with a verification letter. 

On XXXX XX/XX/XXXX contacted XXXX with a validation letter requesting a purchase agreement. 

XXXX XX/XX/XXXX XXXX responded saying the account was closed. 

The purchase agreement was never disclosed and without that agreement the current amount is inaccurate. Furthermore, if the account is closed it should reflect on all credit reporting agencies. 

I have attached all letters and their response.

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