vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hey I am filing a complaint against transunion, XXXX, XXXX I have a item on my credit files stating XXXX  dismissal XX/XX/year> I would like you to take a look at this item its inaccurate please investigate this.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hey I am filing a complaint against XXXX, Equifax, XXXX I have a item on my credit files stating XXXX  dismissal XX/XX/year> I would like you to take a look at this item its inaccurate please investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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 a victim of identity theft, resulting in multiple fraudulent accounts, collections, and inquiries on my credit report that I did not authorize. Attached is my official Identity Theft Report from the FTC, providing proof of this fraudulent activity. The following accounts, collections, and inquiries do not belong to me and were fraudulently added : Fraudulent Accounts and Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It has been a battle going through this and I am submitting this complaint to delete these fraudulent items in my file that are reporting on 3 Credit Bureaus. I am a victim of identity theft and did not make the charge or the accounts. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

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 2024-11-15 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:
It has been a battle going through this and I am submitting this complaint to delete these fraudulent items in my file that are reporting on 3 Credit Bureaus. I am a victim of identity theft and did not make the charge or the accounts. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 609B. I AM ALSO A VICTIM OF XXXX XXXX AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had my information stolen. I live in XXXX, and someone in XXXX  opened an account with a credit union in my name, and attempted ( or did ) buy a vehicle in my name. They also applied to like 4 other things and they all appeared on my credit report as hard inquiries.

I contacted the bank ( XXXX XXXX ) and they closed the account and opened up a police report for me, but nothing came of that. I reached out to all 3 credit bureaus and they did not remove any of the fraudulent inquiries that were done under my name in XXXX, so my credit has plummeted as a result of that, and nobody seems to care about fixing that. The hard inquiries that were done that were not requested by me were all done at the beginning of XXXX of XXXX. They are as follows : XXXX XXXXXXXX ( Finance/ personal ) - XX/XX/XXXX XXXX  ( Banks ) XXXX XXXX  XX/XX/XXXX XXXX  ( Finance/Personal ) XXXX XXXX XXXX XXXX XXXX ( Finance/ Personal ) XXXX XXXX XXXXXX/XX/XXXX I would like these 4 things removed from my credit report, because I did not apply with any financing companies, banks, or anything else at all in XXXX. 

Attached are the dispuite letters I sent to all 3 credit bureaus asking them to remove the issues with 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 non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had my information stolen. I live in XXXX, and someone in XXXX  opened an account with a credit union in my name, and attempted ( or did ) buy a vehicle in my name. They also applied to like 4 other things and they all appeared on my credit report as hard inquiries.

I contacted the bank ( XXXX XXXX ) and they closed the account and opened up a police report for me, but nothing came of that. I reached out to all 3 credit bureaus and they did not remove any of the fraudulent inquiries that were done under my name in XXXX, so my credit has plummeted as a result of that, and nobody seems to care about fixing that. The hard inquiries that were done that were not requested by me were all done at the beginning of XXXX of XXXX. They are as follows : XXXX XXXX ( Finance/ personal ) XXXX XXXX XXXX XXXX  ( Banks ) XXXX XXXX XXXX XXXX ( Finance/Personal ) XXXX XXXX XXXX XXXX XXXX  ( Finance/ Personal ) XXXX XXXX XXXX  I would like these 4 things removed from my credit report, because I did not apply with any financing companies, banks, or anything else at all in XXXX. 

Attached are the dispuite letters I sent to all 3 credit bureaus asking them to remove the issues with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I noticed unauthorized charges on my Chase XXXX credit card. XXXX. {$60.00} for XXXX XXXX. {$660.00} for XXXX XXXX XXXX XXXX. {$270.00} for XXXX. I immediately contacted Chase and reported these and they subsequently gave me the statement credit for all three charges. The same day, I received a package to my house addressed to me. In the package was a baby formula, and it was from XXXX. I did not order this. I do not even have a baby. I checked my XXXX account and did not find the order either. Through my XXXX account I reported this package as unsolicited package. 

Last week, I noticed that the charge for grocerycom was reposted and was in my latest statement for chase credit card. I contacted Chase and they said they found sufficient evidence to think that the charge was valid and has since reposted the charge. Their evidence was that the purchase was made with my name and was delivered to my address. They said that it was a box of baby formula. I then made a connection between the fraudulent charges and the unsolicited package of baby formula I received. I explained to Chase that I did receive the baby formula but I didnt order it and I still have the product sitting in my house as I didnt know what to do with it. They reopened my case and said the specialist will look into it further.

Today I contacted Chase to get an update, and I was told to contact the recovery department tomorrow during business hour. 

Few hours later I received an online letter from Chase saying they are not going to reverse their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws.

This is a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: NV

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention 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 explanation
Consumer complaint received 2024-11-15 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:
I recently look at a copy of my credit report and noticed several inaccuracies on multiple accounts these accounts are hurting my ability obtain credit. It is my understanding that you will investigate these items for me to assure accuracy. Below are the items Im asking you to verify as accurate. 

XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number 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 2024-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
Goods purchased through PAYPAL. The merchant does not ship the goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-11-15 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: TX

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-11-15 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: IL

Complaint narrative:
I am writing to formally request the removal of several fraudulent accounts from my credit report, which I have identified as a result of identity theft. My personal information was compromised in a recent data breach, and I have enclosed a copy of my Federal Trade Commission ( FTC ) Identity Theft Report, along with my identification documents, to support my claim. 

This is my second request for the removal of these accounts, as I previously contacted you regarding this issue, and the fraudulent accounts were not removed from my credit report. I want to emphasize that my request to block this information is not an error or misrepresentation ; it is a legitimate claim resulting from identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I have specific rights regarding the accuracy and integrity of my credit information : 1. 15 U.S.C. 1681b : This section grants me the right to access my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are fraudulent in nature.

2. 15 U.S.C. 1681c-2 : This provision requires that you block the reporting of any information resulting from identity theft upon my request. I am formally requesting that you block the following fraudulent accounts from my credit report : 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 Il XXXX XXXX XXXX 15 U.S.C. 1681e ( b ) : This section mandates that you maintain reasonable procedures to ensure maximum possible accuracy of the information you report. Given that these accounts are a result of identity theft, retaining them on my report violates this obligation.

4. 15 U.S.C. 1681c-2 : Furthermore, I invoke my right under this section to request the blocking of these fraudulent accounts based on the FTC report I've included.

5. 15 U.S.C. 1681c ( b ) : Additionally, I would like to reference this section, which emphasizes that you must ensure the accuracy of reported information and take necessary actions to correct any inaccuracies, including those arising from identity theft

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 2024-11-15 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: MO

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-11-15 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:
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. 

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 XXXXXXXX

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 2024-11-15 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:
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. 

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

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