vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year> At approximately XXXX XXXX  I called Experian. The customer representative stated her name was XXXX XXXX, the call was 13 minutes in the entire call I was never able to get anything discussed or disputed. I was never able to speak on the concerns I had on the report. The Customer representative stated I would have to pay for any services that she has to do today. The customer representative stated if I didn't have XXXX to pay today, I could pay a portion. I asked over and over are there any services that I can receive from you without paying, Customer Representative stated no. I requested a supervisor. The lady was of XXXX  decent, and I don't know if race played apart but I do know the way I was treated was some form of discrimination. I called Experian back and spoke with XXXX and was informed the Representative was out of compliance. XXXX XXXX stated a request would be put in for a supervisor call back.

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 2024-11-19 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: NY

Complaint narrative:
On XX/XX/XXXX Equifax added an unknown collection account to my credit report. This account tanked my credit score XXXX points. The account shows as a paid collections account. Prior to XX/XX/XXXX there was no collection on my credit report. Ive been in contact with the original collectors and explained to them the account was opened fraudulently using my personal information. 
Collection agency XXXX XXXX Original balance {$100.00} Status Paid Account number XXXX Agency number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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 a victim of identity theft stemming from the XXXX and XXXX data breaches, where my personal information was compromised and misused without my knowledge or consent. On XX/XX/XXXX, XXXX publicly revealed that a significant data breach had occurred on XX/XX/XXXX, due to hacking. In a revised announcement in XX/XX/XXXX, XXXX confirmed that all three ( 3 ) billion accounts were affected, compromising the names, email addresses, phone numbers, birth dates, passwords, calendars, and security questions of its users. My XXXX email address ( XXXX ), which I primarily and actively used from XXXX to XXXX, was among those compromised. Additionally, on XX/XX/XXXX, XXXX disclosed a major data breach that occurred between XXXX and XX/XX/XXXX, exposing consumer data including names, addresses, phone numbers, email addresses, and other sensitive information. As a result of these breaches, I have reason to believe that my personal data has been used to open unauthorized accounts in my name. 

These fraudulent accounts consist of a personal auto loan with XXXX XXXX XXXX on XX/XX/XXXX, a personal credit card account opened with XXXXXXXX XXXX on XX/XX/XXXX, a personal credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX and hard inquiries with XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX XXXX XX/XX/XXXX, with XXXX XXXX XXXX on XX/XX/XXXX, with XXXX XXXX on XX/XX/XXXX and with XXXXXXXX XXXX XXXX on XX/XX/XXXX. 

These accounts have resulted in several fraudulent collections, charge offs, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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 a victim of identity theft stemming from the XXXX and XXXX data breaches, where my personal information was compromised and misused without my knowledge or consent. On XX/XX/XXXX, XXXX publicly revealed that a significant data breach had occurred on XX/XX/XXXX, due to hacking. In a revised announcement in XX/XX/XXXX, XXXX confirmed that all three ( 3 ) billion accounts were affected, compromising the names, email addresses, phone numbers, birth dates, passwords, calendars, and security questions of its users. My XXXX email address ( XXXX ), which I primarily and actively used from XXXX to XXXX, was among those compromised. Additionally, on XX/XX/XXXX, XXXX disclosed a major data breach that occurred between XXXX and XX/XX/XXXX, exposing consumer data including names, addresses, phone numbers, email addresses, and other sensitive information. As a result of these breaches, I have reason to believe that my personal data has been used to open unauthorized accounts in my name. 

These fraudulent accounts consist of a personal auto loan with XXXX XXXX XXXX on XX/XX/XXXX, a personal credit card account opened with XXXX BANK on XX/XX/XXXX, a personal credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX and hard inquiries with XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX on XX/XX/XXXX, with XXXX XXXX on XX/XX/XXXX and with XXXXXXXX XXXX XXXX on XX/XX/XXXX. 

These accounts have resulted in several fraudulent collections, charge offs, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
I just received a promotion and relocation from job. I never paid attention or was knowledgeable of credit. Upon looking into my building my credit i seen four accounts that i am not aware of ... 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by Navy Federal Credit Union ( NFCU ) for an account that was included in my XXXX XXXX  bankruptcy case, which was discharged on XX/XX/XXXX, in the U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX ( Case Number : XXXX ). Despite the account being included in the bankruptcy and the debt discharged, NFCU has reported the following inaccuracies on my credit file : Late Payment Reporting : NFCU has reported late payments for XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( 30 days late ). These entries are erroneous because any delinquencies occurring after the bankruptcy filing in XX/XX/XXXX are legally irrelevant and should not be reported under the automatic stay provisions of XXXX XXXX. XXXX or the discharge injunction under 11 U.S.C. 524 ( a ). 

Incorrect Balance Reporting : As of XX/XX/XXXX, the account still reflects an outstanding balance of {$5400.00} and a past-due amount of {$110.00}. These amounts should have been zeroed out and updated to reflect " Included in Bankruptcy '' or " Discharged in Bankruptcy '' with a {$0.00} balance, as required by law. 

Actions Taken by Me : I sent a written dispute to NFCU on [ insert date ], requesting correction of the inaccurate information. 
I included supporting documentation such as the bankruptcy discharge order and creditor matrix to verify that the account was included in the bankruptcy. 
Despite my efforts, NFCU has not resolved the inaccuracies, and they remain on my credit report, adversely affecting my credit standing. 
Impact on Me : This inaccurate reporting has caused undue harm by misrepresenting my creditworthiness, potentially leading to higher interest rates, denied credit opportunities, and emotional distress. It also constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the discharge injunction under the Bankruptcy Code. 

Resolution Requested : Remove all late payment entries associated with this account, including XX/XX/XXXX and XX/XX/XXXX. 
Correct the account status to reflect " Discharged in Bankruptcy '' with a {$0.00} balance. 
Ensure no further inaccuracies are reported for this account. 
I appreciate your attention to this matter and look forward to a timely resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
I sent a certified letter to requesting proof of debt and the amount on XXXXXXXX XXXX XXXX. I received a notice today from the credit agency stating that the credit agency verified the debt but I have yet to receive any contact from the company.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I have no knowledge of account showing on my credit report. I have disputed with my credit bureaus and tried to contact the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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 have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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:
I have contacted the three bureaus regarding fraudulent accounts reporting on my credit, but still some items are remaining on my credit, I would like to pursue my complaints since I am not getting the results I need. The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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:
I have contacted the three bureaus regarding fraudulent accounts reporting on my credit, but still some items are remaining on my credit, I would like to pursue my complaints since I am not getting the results I need. The accounts are as follows : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-19 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2

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 2024-11-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
At the beginning of XXXX, I had massive attempts at identity theft. I submitted disputes to Transunion for the removal of the unauthorized inquiries and provided the required documentation to remove the fraud, i.e. FTC Affidavit. 

After numerous attempts to get the inquiries removed unsuccessfully, I submitted a complaint through the CFPB to Transunion. Transunion responded that they had removed the inquiries from my credit report, however to date, those inquiries are still present on the report. 

My last communication with Transunion about the inquiries in question was XX/XX/year>. On XX/XX/year>, Transunion told me via telephone that the inquiries were no longer there. However, they are visible to me and to the public. 

Please see the below inquiries that Transunion reported to the CFPB were removed from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-19 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: GA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I have identified the following items as unauthorized and fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief