vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>. After a thorough review, I noticed several accounts that do not belong to me. I am seeking your assistance in promptly removing these inaccurate entries from my credit history. The questionable accounts are as follows : 1.XXXX  XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX Last but not least 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 2025-01-10 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-10 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: IL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-10 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: MD

Complaint narrative:
XXXX XXXX, XXXX XXXX D.O.B XX/XX/XXXX : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Consumer credit reporting agency,, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of person credit cards and other accounts. XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX XXXX XXXX  ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries collections appearing on my consumer FICO credit report. I've attached a list of accounts in question the aforementioned accounts, collections appearing on my consumer credit report were not opened, made, or initiated by me. All of these are a result of fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-10 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-01-10 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: MA

Complaint narrative:
Recently, while reviewing my credit report, I discovered several fraudulent accounts that were opened and used without my consent. These accounts are severely damaging my credit history and negatively impacting my ability to obtain fair credit. Under consumer protection laws, I have the right to have this information corrected and ensure my rights are protected. The applicable laws include : 15 USC 1681i : This law grants me the right to dispute inaccurate or fraudulent information on my credit report and requires credit reporting agencies to conduct a reasonable investigation and correct errors promptly.

15 USC 1681s-2 : This law outlines the responsibilities of information providers to ensure the accuracy of the information they report to credit bureaus and prohibits reporting fraudulent or incorrect data. 
15 USC 1666b : This law provides protections for consumers against unauthorized charges or billing errors, requiring prompt correction of such issues.

15 USC 1681c-2 : This law allows consumers to request a block on fraudulent information resulting from identity theft to ensure it is removed from their credit reports.

Identity Theft and Assumption Deterrence Act ( 18 USC 1028A ) : This law criminalizes the unauthorized use of personal information and provides penalties for identity theft, reinforcing the need to address fraud promptly.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I added my newborn son as an authorized user to my Bank of America Spirit credit card. The card never arrived and on XX/XX/XXXX I received a notification from my bank that my card was being used to buy shoes at XXXX XXXX and then at XXXX - both in XXXX, Ca. Same night, neighbors in my building also reported having their credit cards or replacement credits cards stolen and used at the same XXXX at the same time. I had signed up for email alerts and never received an image of the upcoming card, which means the theft likely took place before it was scanned at USPS - we reported it to USPS as well ( attached ). I called BoA and reported the theft but was told that the claim was denied because my newborn son had signed the receipts and/or put in the pin code to sign the receipts. My son was with me at XXXX XXXX  at home which can be verified through numerous methods and I have the names of the residents in my building who were also robbed that night ( attached ). I have also filed a report with the XXXX police department ( attached ). I have been going back and forth with BoA around this charge where they take off the charge and put it back on since XX/XX/XXXX and the bill will be due soon which will impact my credit.

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 monetary relief
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The debt is written off {$13000.00} the payment history is Incorrect. The volunteer repossession occurred XX/XX/year> they are reporting it for XX/XX/year> I have made recent payments in XXXX and XX/XX/year> that has not been reported to the credit bureaus lastly the overall balance is incorrect this company is attempting to collect {$6000.00} on a {$3000.00} debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The debt is written off {$13000.00} the payment history is Incorrect. The volunteer repossession occurred XX/XX/year> they are reporting it for XX/XX/year> I have made recent payments in XXXX and XX/XX/year> that has not been reported to the credit bureaus lastly the overall balance is incorrect this company is attempting to collect {$6000.00} on a {$3000.00} debt

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 2025-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: CA

Complaint narrative:
i have a collection notice XXXX XXXXt in XXXX, for {$930.00} they used MY NAME TO OBTAIN CREDIT XXXX XXXX my name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint regarding unauthorized credit inquiries on my credit report by the following companies : XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX I did not authorize these inquiries nor provide written consent. In accordance with the Fair Credit Reporting Act ( FCRA ), I requested documentation from these companies to furnish proof of my consent. They were unable to provide the necessary documentation.

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 2025-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
I recall my interest rate being very low - around 2 %. Although I dont have exact dates or figures, I remember my payments were about a combined $ XXXX for both XXXX  loans ( Payment history confirms this ). My payments suddenly jumped to $ XXXX and then to a combined $ XXXX. I took at look at my rate and it somehow became a 7 % interest rate. Iv questioned this increase in rate and payment on several occasions over the last couple of years, but Im told that my interest rate is decided by the federal government. My complaint is that since XXXX student loan rates are fixed, for the entire life of the loan, the lender has increased that rate by about 5 %, and has been stealing money from me for the last several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : 1 ) XXXX  XXXX XXXX : XXXX 2 ) XXXX  XXXX XXXX : XXXX 3 ) XXXX  XXXX XXXX : XXXX 4 ) XXXX XXXX  XXXX  : XXXX 5 ) XXXX  XXXX : XXXX 6 ) XXXX  XXXX  : XXXX 7 ) EXTRA : XXXX 8 ) XXXX XXXX : XXXX 9 ) XXXX XXXX XXXX : XXXX 10 ) XXXX XXXX XXXX  XXXX : XXXX 11 ) XXXX XXXX XXXX : XXXX 12 ) 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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : 1 ) XXXX  XXXX XXXX : XXXX XXXX ) XXXX  XXXX XXXX : XXXX XXXX ) XXXX  XXXX XXXX : XXXX XXXX ) XXXX XXXX  XXXX   : XXXX 5 ) XXXX  XXXX : XXXX 6 ) XXXX  XXXX  : XXXX XXXX ) XXXX  : XXXX 8 ) XXXX XXXX : XXXX 9 ) XXXX XXXX XXXX : XXXX 10 ) XXXX XXXX XXXX  XXXX : XXXX 11 ) XXXX XXXX XXXX : XXXX 12 ) 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 explanation
Consumer complaint received 2025-01-10 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: NV

Complaint narrative:
I am writing to bring to your immediate attention several alarming discrepancies in my credit report, which I recently reviewed in detail. I have identified multiple inaccuracies, including : Erroneous account entries that do not belong to me. 
Billing inconsistencies that do not reflect my payment history. 
Accounts that I have no knowledge of or affiliation with. 

These inaccuracies are not only misleading but are also severely compromising my financial security and creditworthiness. This matter is of the utmost importance, and I am requesting your urgent assistance in investigating and rectifying these errors.

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 2025-01-10 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 bring to your immediate attention several alarming discrepancies in my credit report, which I recently reviewed in detail. I have identified multiple inaccuracies, including : Erroneous account entries that do not belong to me. 
Billing inconsistencies that do not reflect my payment history. 
Accounts that I have no knowledge of or affiliation with. 

These inaccuracies are not only misleading but are also severely compromising my financial security and creditworthiness. This matter is of the utmost importance, and I am requesting your urgent assistance in investigating and rectifying these errors.

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