vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of specific fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the accounts and inquiries listed below are the result of identity theft. 
The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$6900.00} XXXX. XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$3300.00} XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX XXXX  ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$3300.00} The fraudulent inquiries are as follows : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX  Inquiry Date : 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 explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Discrepancies in Credit Report Information Dear XXXX XXXX Team, I am writing to formally dispute the inaccuracies in the credit report information displayed on my XXXX XXXX account, specifically regarding the data sourced from Equifax. 

Upon reviewing my credit report on XXXX XXXX, I noticed that it shows 15 inquiries associated with my Equifax account. However, when I logged directly into my Equifax account, I found that there are zero inquiries listed. This significant discrepancy raises serious concerns about the accuracy of the information provided by XXXX XXXX. 

XXXX XXXX claims to obtain its credit report information directly from Equifax. If this were true, the information shown on both platforms should align. Instead, I am faced with conflicting data : XXXX XXXX displays a credit score of XXXX, while my Equifax report indicates a score of XXXX. This further emphasizes the inconsistency in the information being reported. 

To provide more context, here are additional details from my XXXX XXXX report dated XX/XX/XXXX : - **Name : ** XXXX XXXX XXXX XXXX XXXXCredit Score : ** XXXX ( Calculated using XXXX XXXX ) - **Employment Info : ** XXXX XXXX XXXX ( XXXX XXXX XXXX ) - **Addresses Reported : ** - XXXX XXXX XXXX XXXX, XXXX, CA XXXX - XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXXAccounts Overview : ** - **Real Estate Loans : ** XXXX XXXX XXXX - Reported : XX/XX/XXXX - Balance : {$0.00} ( In good standing ) - Opened : XX/XX/XXXX - Payment History : 100 % of payments made on time **Inquiries on Equifax Report : ** While XXXX XXXX lists 15 inquiries, my direct Equifax account shows none, further questioning the reliability of XXXX  XXXX reporting. 

Given these discrepancies, I would like to understand why there is such a divergence in the information provided by XXXX XXXX compared to what is presented by Equifax. I believe it is crucial for consumers to have access to accurate credit information, and the inconsistencies I have encountered are concerning. 

I kindly request that you launch an investigation into this matter and provide clarification regarding the source of the information reported on my XXXX XXXX account. Additionally, I would like to discuss potential compensation for the incorrect reporting that may have adversely affected my credit profile. 

For your reference, I have attached screenshots of both my XXXX XXXX report and my Equifax report, highlighting the discrepancies mentioned above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Attachments : 1. Screenshot of XXXX XXXX report 2. Screenshot of Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Discrepancies in Credit Report Information Dear XXXX XXXX Team, I am writing to formally dispute the inaccuracies in the credit report information displayed on my XXXX XXXX account, specifically regarding the data sourced from Equifax. 

Upon reviewing my credit report on XXXX XXXX, I noticed that it shows 15 inquiries associated with my Equifax account. However, when I logged directly into my Equifax account, I found that there are zero inquiries listed. This significant discrepancy raises serious concerns about the accuracy of the information provided by XXXX XXXX. 

XXXX XXXX claims to obtain its credit report information directly from Equifax. If this were true, the information shown on both platforms should align. Instead, I am faced with conflicting data : XXXX XXXX displays a credit score of XXXX, while my Equifax report indicates a score of XXXX. This further emphasizes the inconsistency in the information being reported. 

To provide more context, here are additional details from my XXXX XXXX report dated XX/XX/XXXX : - **Name : ** XXXX XXXX XXXX XXXX **Credit Score : ** XXXX ( Calculated using XXXX XXXX ) - **Employment Info : ** XXXX XXXX XXXX ( Self-Employed 1099 EMP ) - **Addresses Reported : ** - XXXX XXXX XXXX XXXX, XXXX, CA XXXX - XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXXAccounts Overview : ** - **Real Estate Loans : ** XXXX XXXX XXXX - Reported : XX/XX/XXXX - Balance : {$0.00} ( In good standing ) - Opened : XX/XX/XXXX - Payment History : 100 % of payments made on time **Inquiries on Equifax Report : ** While XXXX XXXX lists 15 inquiries, my direct Equifax account shows none, further questioning the reliability of XXXX  XXXX reporting. 

Given these discrepancies, I would like to understand why there is such a divergence in the information provided by XXXX XXXX compared to what is presented by Equifax. I believe it is crucial for consumers to have access to accurate credit information, and the inconsistencies I have encountered are concerning. 

I kindly request that you launch an investigation into this matter and provide clarification regarding the source of the information reported on my XXXX XXXX account. Additionally, I would like to discuss potential compensation for the incorrect reporting that may have adversely affected my credit profile. 

For your reference, I have attached screenshots of both my XXXX XXXX report and my Equifax report, highlighting the discrepancies mentioned above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Attachments : 1. Screenshot of XXXX XXXX report 2. Screenshot of Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: PA

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 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 2024-11-23 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: IL

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 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 2024-11-23 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: NJ

Complaint narrative:
I noticed several inaccuracies and unverifiable items on my credit report, and I am formally disputing them under the Fair Credit Reporting Act ( FCRA ). As required by 15 U.S. Code 1681i, I exercised my right to request an investigation into these discrepancies. I identified incorrect personal information, including my name, address, date of birth, and employer. Additionally, I disputed several accounts, collections, and an unauthorized inquiry, as they either appeared inaccurate or lacked proper validation.

In accordance with 15 U.S. Code 1681e ( b ), I requested that the credit reporting agency verify the accuracy of each disputed item by providing supporting documentation, including proof of the creditor 's permissible purpose for reporting the information. If any items can not be validated or are found to be inaccurate, I requested that they be removed from my credit report as stipulated by 15 U.S. Code 1681i ( a ) ( 1 ).

Lastly, I asked for an updated hard copy of my credit report, reflecting the corrections, in compliance with 15 U.S. Code 1681g. I expect a response within the 30-day timeframe mandated by the FCRA, and I trust the agency will take prompt action to resolve these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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 identity theft and to request immediate action regarding fraudulent accounts and inquiries that have appeared on my credit report. 
Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit file : Fraudulent Accounts : 1. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$660.00} 2. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} 3. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00} 4. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$450.00} 5. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00} 6. XXXX  - XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$450.00} Unauthorized Credit Inquiries : 1. XXXX  Date of Inquiry : XX/XX/XXXX 2. XXXX Date of Inquiry : 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 2024-11-23 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: VA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiry listed below from my credit report. I am a victim of a data breach, and these items were added without my knowledge or authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed as they are the result of identity theft. 
Fraudulent Account : XXXX  - XXXX - XX/XX/XXXX - {$4900.00} Fraudulent Inquiry : XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: VA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiry listed below from my credit report. I am a victim of a data breach, and these items were added without my knowledge or authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed as they are the result of identity theft. 
Fraudulent Account : XXXX  - XXXX - XX/XX/XXXX - {$4900.00} Fraudulent Inquiry : 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 explanation
Consumer complaint received 2024-11-23 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: NC

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: NC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: NC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: NC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: SC

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries associated with my credit file. As a victim of a data breach, I have identified the following entries on my credit report that I did not authorize. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these entries be removed from my credit profile. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$750.00} Unauthorized Inquiries : XXXX  - XX/XX/XXXX XXXX - XX/XX/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 2024-11-23 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:
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 2024-11-23 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: MD

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and identity theft. As a result, several unauthorized accounts have appeared on my credit report. I am requesting that these accounts be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ). 
Unauthorized Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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