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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 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: AZ

Complaint narrative:
To : [ Creditor Name or Credit Bureau Name ] Subject : Request for Permanent Deletion of Fraudulent Accounts To Whom It May Concern, I am contacting you regarding four fraudulent accounts that are inaccurately reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were fraudulently opened in my name without my consent. I have an identity theft police report from my local police department and a notarized FTC Identity Theft Affidavit substantiating that my identity was stolen. 

My credit was compromised due to major data breaches, including the Equifax breach and the XXXX XXXX XXXX breach, which exposed my personal information to unauthorized parties. As a result, fraudulent accounts were opened under my name. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I have the right to dispute and permanently delete any fraudulent accounts resulting from identity theft. I formally request that these accounts be immediately investigated and removed from my credit report. 

To aid in your investigation, I have included the following : A copy of my identity theft police report A notarized FTC Identity Theft Affidavit I request a written confirmation once these accounts have been permanently deleted and my credit report has been updated. Failure to address this matter appropriately may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted Experian several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding 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 2025-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian, XXXX and XXXX Request for Investigation and Removal of Inaccurate Information I am writing to formally dispute an inaccurate entry on my credit report regarding a debt reported by XXXX XXXX. The entry in question indicates an outstanding balance of {$730.00}, dated XX/XX/year>. I would like to clarify that this debt does not belong to me, and it appears to be duplicated on my report. 

I have previously disputed this item multiple times, but it remains unresolved. I have not received any proof that this debt is mine, and it continues to adversely affect my credit score. Under the Fair Credit Reporting Act, I request that you conduct a thorough investigation into this matter. 

I kindly ask that you remove this erroneous debt from my credit report and ensure that my credit history accurately reflects my financial responsibility. 

Thank you for your attention to this important matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and found inaccuracies regarding an account with XXXX XXXX ( Account # XXXX ). Specifically, the Date Closed listed for this account is incorrect. Additionally, I do not recall opening or authorizing this account, and no verifiable proof has been provided to confirm its validity. 

I contacted the creditor directly to request verification of this account, including any signed agreements or contracts, but I have not received any such documentation. Because the information remains unverified, this account is negatively affecting my credit report and ability to obtain credit. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX is required to ensure that the information reported is accurate and verifiable. Since this account has not been positively verified, I am requesting its immediate removal from 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 2025-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: CO

Complaint narrative:
The debt collector, Rent Recovery Solutions, is saying I have not paid a debt that I paid in XXXX. The debt was {$3300.00} and it was settled for {$2900.00}. I paid this debt on XX/XX/XXXX, and it dropped off my credit report ( XXXX ) at that time. As of XX/XX/XXXX, it has reappeared on my credit report, showing I have not paid any amount towards the debt. 

I called the company and the first guy said he saw where I paid the original amount and that there was possibly a duplicate collection. He told me there was probably an error in the system and transferred me to the debt account manager. The account manager then told me he did not see where I paid the debt and that I still owe the amount. He told me I could mail my bank statement to them that proves that I paid the debt, but I do not trust this company with that information. I believe they are fraudulent, and so do many other people according to their XXXX reviews. I do have that bank statement that shows I paid this debt though, which I will upload.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX work was needed. XXXX XXXX was found and we had conversation that they can do XXXX. We had agreement and contract of getting work done. I was scammed out of this money {$3000.00} Funds sent XXXX 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to report an identity theft issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my file. I did also state to the credit bureaus that one of the collections for {$1300.00} original creditor was XXXX and it states that the account was opened XX/XX/XXXX and that XXXX was acquired by XXXX XXXX XXXX and XXXX was discontinued. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address.

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: NC

Complaint narrative:
I am writing to formally dispute and address the ongoing issue of an erroneous debt appearing on my consumer report, which I believe is a result of identity theft. Despite my efforts to resolve this matter, the debt remains on my report, and this has caused significant stress and harm to my livelihood and reputation. 

I have followed the proper procedures to dispute this debt and provided the credit reporting agencies ( CRAs ) with comprehensive documentation, including : An FTC Identity Theft Report. 
A signed 605B letter explaining my situation. 
A copy of my government-issued ID. 
A recent utility bill to verify my address. 
A copy of my Social Security card. 
I sent these documents via certified mail in two separate submissions to ensure their receipt. Despite this, the CRAs have not removed the erroneous debt from my report. 

As a result of this unresolved error, I have faced : Denial of housing opportunities, including being rejected for an apartment application. 
Significant stress and harm to my quality of life. 
Damage to my reputation due to the presence of this inaccurate information. 
This situation has become untenable, and I am requesting immediate action to remove this erroneous debt from my consumer report. I have provided all required documentation to prove that this debt is not mine and that I am a victim of identity theft. I urge the credit reporting agencies to comply with the Fair Credit Reporting Act ( FCRA ) and take the necessary steps to correct this error promptly.

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally complain about Experian inaccurately reporting credit inquiries on my credit file that do not belong to me. Specifically, the following unauthorized inquiries are listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are not associated with any credit application or account activity initiated by me. Their inclusion is negatively impacting my credit profile and could harm my financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and integrity of the information they report ( 15 U.S.C. 1681i ). The presence of these incorrect inquiries violates this law and is causing me undue harm. 

I request that these unauthorized inquiries be investigated and promptly removed from my credit report. Please provide confirmation once the corrections have been made and advise on any further steps required on my part. 

Thank you for your immediate 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 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: TX

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 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: KS

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My information was leaked and exposed in the data breach, leaving hard inquiries on my credit report from agencies that i have not receive service from. Companies like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all companies that have I been a victim of and I became aware of it on XX/XX/XXXX. I have taken immediate steps to address this situation, including contacting companies, freezing accounts, and filing reports with other agencies, but I am requesting that the CFPB intervene to investigate the breach and ensure that any necessary actions are taken to safegaurd my personal information. Under the Fair Credit Reporting Act and under section 605 b, I understand that I am entitled to request assistance in disputing any unauthorized disclosures of my personal information.

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: SC

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

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: SC

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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