vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX, social security number : ( XXXX ), Date of Birth : XXXX XXXX. This CFPB complaint has been filed to request pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax Information Services LLC reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business says of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX on XX/XX/2019 under the account number ( XXXX ) with a bal. {$280.00}. This account has resulted in a fraudulent account appearing on my consumer FICO credit report. I do not recognize the aforementioned account as reported. the aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The account is a result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of Identity theft and fraud. 

This is the second Complaint filing with CFPB due to Equifax information services LLC reinvestigating due to Equifax stating previous FTC report was invalid so I have provided new FTC report which has been attached.

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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that Ineed deleted are going to be attached in a word document. I am a victim of identity theft. I havemultiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that theseitems be deleted so my credit report will only show accurate information. I reported the theft of myidentity to the Federal Trade Commission and have enclosed copies of the report. I would like theseitems deleted from my credit report as soon as possible. Please block this information from my creditreport, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
I have a collection on my report for XXXX XXXX IN stating that I owe {$630.00}. They say the original creditor is XXXX CONTINENTAL FINANCE COMPANY LL. 

I have no idea who this is or what it is for. There is no number to call for either 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
Good day, I am asking to remove the security freeze in 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I do not recognize these accounts, I have tried in vain to dispute this with the bureaus but to no avail, the accounts in question are : 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 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: LA

Complaint narrative:
I do not recognize these accounts, I have tried in vain to dispute this with the bureaus but to no avail, the accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
Recieved a call from a number that later when I tried to call was not in service. Once the number was determined to be not in service I deleted it before I thought to make note of it. Person on the phone told me that someone had used my social security number to try to open a credit card with " Navy Federal Credit '' in the amount of {$7500.00}. When I denied that I had opened a new line of credit with Navy Federal Credit. They said that they would deny the charges and said they were transferring me to your orgazization. Consumer Financial Protection Bureau. The lady I spoke to that was supposedly verified my existing credit cards and said that everything should be find. They gave me a CFPB claim number of XXXX. Being suspicious that it was a scam I call your organization directly after I got off the phone to verify the claim and when it said enter the 14 digit claim number I became concerned and came here to start a new claim just to document what happened in case something comes from this. Concerned I have been the victim of some sort of scam. So far nothing has shown up on my credit report out of the ordinary. Just trying to be proactice and contacting your organization since it was used in the call if it was a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
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:
Hi My information was used and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report. 


This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I demand you to remove this account from all 3 of my credit reports asap or I will have no choice file suit against your 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 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: CA

Complaint narrative:
On XX/XX/year>, I noticed two fraudulent accounts on my credit report : A loan with XXXX XXXX XXXX XXXX, showing a balance of {$9900.00}. 
A XXXX XXXX XXXX XXXX loan, showing a balance of {$34000.00}. 
I did not authorize or apply for either of these accounts. These accounts were fraudulently opened in my name and are the result of identity theft. 

Upon discovering the fraud, I took the following steps : I filed an FTC Identity Theft Report. 
I contacted XXXX XXXX XXXX XXXX and spoke with their representative, XXXX XXXX, to report the fraud. She instructed me to email their fraud dispute team for resolution. 
I reached out to XXXX XXXX XXXX XXXX to dispute the fraudulent auto loan. 
I am now filing this complaint to request the removal of these fraudulent accounts from my credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

I request that both companies take immediate action to investigate and remove these accounts from my record, as they are causing harm to my credit profile.

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: CA

Complaint narrative:
On XX/XX/year>, I noticed two fraudulent accounts on my credit report : A loan with XXXX XXXX XXXX XXXX, showing a balance of {$9900.00}. 
A XXXX XXXX XXXX XXXX loan, showing a balance of {$34000.00}. 
I did not authorize or apply for either of these accounts. These accounts were fraudulently opened in my name and are the result of identity theft. 

Upon discovering the fraud, I took the following steps : I filed an FTC Identity Theft Report. 
I contacted XXXX XXXX XXXX XXXX and spoke with their representative, XXXX XXXX, to report the fraud. She instructed me to email their fraud dispute team for resolution. 
I reached out to XXXX XXXX XXXX XXXX to dispute the fraudulent auto loan. 
I am now filing this complaint to request the removal of these fraudulent accounts from my credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

I request that both companies take immediate action to investigate and remove these accounts from my record, as they are causing harm to my credit profile.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my consumer file, I noticed several accounts listed on my consumer report that are a result of fraud. I sent correspondences to all 3 reporting agencies when I first discovered the inaccurate accounts. XXXX, XXXX and TRANSUNION have refuse to remove the accounts. I have received documentation for the accounts being reported showcasing that they are not mine. The 3 reporting agencies are still reporting all inaccurate accounts. XXXX, XXXX and TRANSUNION are violating the rules of reporting as they are intentionally reporting fraudulent information. Below I am attaching copies of my FTC report, my ID, my XXXX report that shows that the inaccurate accounts deleted, and letters from the various alleged creditors stating that accounts were opened fraudulently. I demand for all fraudulent accounts be permanently removed from my credit file. Lastly there is a ton of personal information that is inaccurate such as addresses ( there's about 3-4 addresses listed that I have never lived at ) and my name.

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: CA

Complaint narrative:
After reviewing my consumer file, I noticed several accounts listed on my consumer report that are a result of fraud. I sent correspondences to all 3 reporting agencies when I first discovered the inaccurate accounts. EQUIFAX, XXXX and XXXX have refuse to remove the accounts. I have received documentation for the accounts being reported showcasing that they are not mine. The 3 reporting agencies are still reporting all inaccurate accounts. XXXX, EQUIFAX and XXXX are violating the rules of reporting as they are intentionally reporting fraudulent information. Below I am attaching copies of my FTC report, my ID, my XXXX report that shows that the inaccurate accounts deleted, and letters from the various alleged creditors stating that accounts were opened fraudulently. I demand for all fraudulent accounts be permanently removed from my credit file. Lastly there is a ton of personal information that is inaccurate such as addresses ( there's about 3-4 addresses listed that I have never lived at ) and my name.

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: LA

Complaint narrative:
I do not recognize these accounts, I have tried in vain to dispute this with the bureaus but to no avail, the accounts in question are : XXXX XXXX XXXX XXXX {$1700.00} XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX {$210.00}

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Unauthorized Inquiries, I have attached my FTC report to this complaint to prevent further stall tactics from 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, which came as a complete surprise. While checking my credit report, as I usually do, I found discrepancies that were not there before. I attempted to refresh the page, hoping it was a technical error, but nothing changed. I need this issue addressed immediately, and I urge you to review the documents I've sent carefully to resolve it once and for all.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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