vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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:
I am writing to formally notify you that I am a victim of a data breach, and as a result, unauthorized accounts have been added to my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file. 
Accounts to be Blocked and Deleted : XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$15000.00} XXXX. XXXX  XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$6600.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$7000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$18000.00} XXXX. XXXX XXXX  Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$11000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$21000.00} XXXX. XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and as a result, unauthorized accounts have been added to my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-04 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: IL

Complaint narrative:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are either reported incorrectly or have already been resolved, and I request a thorough investigation and correction. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report with accurate information.

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 2024-12-04 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: IL

Complaint narrative:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file Account Name : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese items are either reported incorrectly or have already been resolved, and I request a thorough investigation and correction. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report with accurate information.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billin

g Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. "

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 2024-12-04 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: Checkr, Inc
State: CT

Complaint narrative:
Hello, I need help with the information in my background check that Checkr Inc reported on XX/XX/2024. 

My First name : XXXX Last Name : XXXX XXXX There is a missing last name on my report, however when I contacted Checkr Inc and asked them to correct the issue in the report Checkr Inc didnt correct it. 

Checkr Inc only investigated the disqualification found in my report but refused to investigate and correct my last name. 

I live in State of Connecticut and Im exercising my rights. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX, I spoke with the fraud department at Experian. I made an inquiry about fraudulent accounts that needed to be removed from my credit report that they keep somehow verifying. I asked them what third-party data collection agency they used to verify. They said they don't use a data collection agency to verify, they only go directly through the Creditor that is being reported. I asked what information those creditors supplied for their investigation to be verified. The representative told me she could not disclose that information. This violates my right as a consumer according to the fcra, to know the information being collected and how information is verified especially when I have an extended fraud alert on my account. I've had an extended fraud alert since XXXX and the most recent updated alert was XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
Subject : Failure to Remove Unauthorized Inquiries Following Identity Theft Dispute Complaint Details : On XX/XX/year>, I submitted an identity theft dispute to Experian regarding unauthorized inquiries on my credit report. The dispute was delivered on XX/XX/year>, as confirmed by tracking. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, Experian is required to block disputed information within four business days or provide a response outlining the next steps. 
Despite this clear obligation, Experian has not removed the disputed inquiries or communicated with me regarding my dispute. This is my third attempt to resolve this issue. It is worth noting that both XXXX and XXXX have already deleted the same unauthorized inquiries from my credit report, further validating my claim. 
Experian 's failure to act in accordance with the FCRA or provide any response suggests a disregard for their legal obligations and leaves me unfairly burdened by inaccurate information on my credit report. 
Requested Actions : I request the immediate removal of the unauthorized inquiries from my Experian credit report. 
I request a written explanation from Experian regarding their failure to address my dispute. 
I ask for assurance that Experian will comply with all legal obligations in handling disputes in the future. 
Attachments : Proof of dispute submission ( e.g., certified mail receipt or tracking confirmation ). 
Credit reports showing the unauthorized inquiries and their removal by XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: SC

Complaint narrative:
I didn't realize how high the interest was, so after paying half my payments I was sent an email saying I could refinance. Now they are saying I have to take a new bigger loan out to refinance. I've asked multiple times to speak with an account manager and the customer service agents will say they are transferring me and it hangs up after a couple minutes. My payment is {$49.00} every week and XXXX of it goes towards my balance, this is for a {$500.00} loan. I'm almost positive this is a predatory loan. There is also no way to view past payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NY

Complaint narrative:
Experian has been in reporting inaccurately on my credit report. 
Account name : XXXX XXXX Date : XXXX XXXX Account type : revolving account Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ny XXXX XXXX Reason : in accurate information reported, statement dates, payment dates Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, va XXXX XXXX REASON : inaccurate 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 2024-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year> XXXX XXXX I visited and was ready to check out at Macy 's in the XXXX XXXX XXXX. My cashier lady does not speak English and has a hard time understanding my simple questions. She said that she can offer me a discount of 20 % off " for today and tomorrow '' and asked me if I had a Macy card. I said, " I don't have the membership card '' ( original sentences ), she said it was free so I could get one for 20 % off, and she also mentioned it only needed my address and ID. I said Ok, and then we started the process. I was so confused when the questionnaire started to ask for the SSN, so I asked, " Is this the membership card? I just want to make sure this is the membership card that I am doing '' ( original sentences ) and the lady said " Yes, it is the membership card '' ( original sentences ). After I successfully applied. She said " no pay '' " no pay '' and said they would send statements to me, but then I realized it was a credit card even though she never mentioned the word " Credit Card '' or " we will run your credit '' or " credit ''. Nothing at all. I was very surprised and she said I can cancel it anytime, without letting me know any policy or rights, and without telling me the story about credit scores. So without my knowledge, she ran my credit scores and opened a credit card for me. No one onsite helped me correctly, they just wanted me to leave. They also told me the wrong info that I can let it automatically shut off if the account is inactivated for 6 months, but the info was totally wrong. Their customer services were not helpful too, they could not do anything to prevent my loss due to their mistakes. So many people on XXXX  and anywhere had same tragedy of getting new credit cards without being informed, this is definitely not legal. Really appreciate your time and your help!

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My student loans should show paid in full!! I have contacted several credit bureaus and the student loan company it has yet to change!

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 2024-12-04 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: LA

Complaint narrative:
My student loans should show paid in full!! I have contacted several credit bureaus and the student loan company it has yet to change!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: LA

Complaint narrative:
My student loans should show paid in full!! I have contacted several credit bureaus and the student loan company it has yet to change!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have written and have call to get them to correct my report. I went to the United States Bankuptcy Court and they said they did not report this on my credit and give me a letter to help me.

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 2024-12-04 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: OH

Complaint narrative:
This letter serves as my formal Notice of Intent to Sue against Equifax in response to your recent findings communicated to me regarding my complaint submitted through the Consumer Financial Protection Bureau ( CFPB ). While I appreciate your investigation, I must strongly disagree with the conclusions drawn, and assert that several inaccuracies remain unresolved on my credit report. 

Legal Basis for Disputing Inaccuracies Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the legal right to dispute inaccurate or incomplete information on my credit report. Additionally, 15 U.S.C. 1681b restricts the sharing of my personal information without my consent, and I expect these rights to be upheld. The following Ohio Revised Code ( ORC ) provisions also apply : ORC 1345.01 - Ohio Consumer Sales Practices Act : Reporting inaccurate information on my credit report is an unfair trade practice. 
ORC 1345.02 - Unfair or Deceptive Acts or Practices : The Ohio Attorney General enforces this provision, which also protects consumers from false representations that affect creditworthiness. 
Disputed Items XXXX XXXXXXXX XXXX XXXXXXXX This account continues to show as charged off with an outstanding balance I am unaware of. I demand immediate correction under FCRA 611 ( a ), which requires inaccurate information to be corrected or deleted upon investigation. Given the evidence, this item should be deleted. 

XXXXXXXX XXXX Although Equifax claims this account is not currently reporting, the negative information linked to this account has not been removed as per the " pay to delete '' agreement for an account that wasn't mine.This is a violation of FCRA 607, and I demand immediate rectification. 

XXXX XXXX ( XXXX ) Equifax reports that this account is not currently active, but it remains visible on other credit reports under various names such as " XXXX. '' I dispute the validity of this account and request verification. 

XXXX. XXXX, XXXX. 
I dispute this collection account, as I have not consented to it being reported. Under FCRA 611 ( a ), I request the deletion as well proof of the debt and its legitimacy. 

Unauthorized Inquiries There are unauthorized credit inquiries from Xactus-Avantus/Liberty and XXXX XXXX XXXX XXXX linked to identity theft. Under FCRA 605B, I demand their immediate removal. 

Ohio Department of Human Services A new entry has appeared linked to this agency. I request immediate clarification regarding its legitimacy. 

Department of EducationXXXX Accounts New accounts from the Department of Education and Aidvantage have been reported without my consent. I demand deletion and verification under FCRA 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: Chime Financial Inc
State: NY

Complaint narrative:
Ive noticed Further unauthorized transactions on my chime account and I dont know why fraudulent charges I did not make keep occurring on my chime account Ive give them police report numbers etc no refunds were issued nor refunded its been 3 months since I made my chime account and I get unemployment then the money is taken out my account from unauthorized transactions they dont fix nor look into then Im forced to barrow money from the chime limit from my direct deposit every Monday

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
CBE group has not deleted debt from my credit report. The collection has been paid. I have requested CBE group to delete the debt.

Company response to consumer: Closed with explanation