vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently reviewed my credit report from your bureau and am disputing the completeness and accuracy of the following information. This erroneous information is negatively impacting my report, and I request immediate correction. 

I believe 30 days is a reasonable timeframe for your investigation. After completion, please send me an updated credit report along with the names, addresses, and phone numbers of the individuals you contacted. 
The disputed information is : 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 2024-07-11 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: FactorTrust, Inc.
State: SC

Complaint narrative:
I've mailed in these documents previously and recieved a response saying that these accounts were verified. I didn't asked for verification. I am a victim of debt bondage, a form of human trafficking where I was forced to incur debts under coercive conditions. This has resulted in multiple derogatory accounts on my credit report. I am currently working with a representative from the XXXX XXXX, an organization dedicated to assisting survivors of human trafficking. We are utilizing the protections provided under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information stemming from trafficking experiences when an official claim is submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: TN

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

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 2024-07-11 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: TN

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-07-11 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:
I looked at my report to check on the update on my request to remove the inaccurate and fraud information from my credit reports. To my surprise, a new fraud account has been added. Please help me remove this fraud account along with the others from my previous complaint. XXXX - XXXX XXXX  - XXXX - XX/XX/XXXX This is not mine. I am writing to report a case of identity theft and fraudulent hard inquiries that are still showing on my credit report with TransUnion and XXXX, despite my efforts to have them removed. I sent out my letter on XX/XX/XXXX. However, to this date ( XX/XX/XXXX ), the fraudulent accounts, information, and hard inquiries have not been removed from my credit report. I have contacted all bureaus multiple times, but their agents have not been able to provide a satisfactory resolution. Each time I call, I receive different answers, and the problem remains unresolved. I have even sent my IDs to them, but they have not listened to my request to remove the hard inquiries. Please remove the fraud accounts and inquiries from my report. Fraud names to be removed : XXXX XXXX, XXXX XXXX. Fraud accounts to be removed : XXXX XXXX XXXX - XX/XX/XXXX. Fraud inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is also inaccurate. Please update the status to 'Never late '. I was never late for this. I have tried my best to be a responsible consumer and parent. This is just unacceptable. Please update. I never authorized for this to report. This is personal and should never even be on my reports. OFFICE OF THE ATTY GENER - XXXX - XX/XX/XXXX, ATTORNEY GENERAL-XXXX  - XXXX - XX/XX/XXXX. I have attached to this request the same FTC report that I sent to them, along with my ID and proof of address. I would appreciate it if you could take immediate action to have these fraudulent inquiries removed from my credit report. 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 2024-07-11 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: TX

Complaint narrative:
I looked at my report to check on the update on my request to remove the inaccurate and fraud information from my credit reports. To my surprise, a new fraud account has been added. Please help me remove this fraud account along with the others from my previous complaint. XXXX - XXXX XXXX  - XXXX - XX/XX/XXXX This is not mine. I am writing to report a case of identity theft and fraudulent hard inquiries that are still showing on my credit report with XXXX and Equifax, despite my efforts to have them removed. I sent out my letter on XX/XX/XXXX. However, to this date ( XX/XX/XXXX ), the fraudulent accounts, information, and hard inquiries have not been removed from my credit report. I have contacted all bureaus multiple times, but their agents have not been able to provide a satisfactory resolution. Each time I call, I receive different answers, and the problem remains unresolved. I have even sent my IDs to them, but they have not listened to my request to remove the hard inquiries. Please remove the fraud accounts and inquiries from my report. Fraud names to be removed : XXXX XXXX, XXXX XXXX. Fraud accounts to be removed : XXXX XXXX XXXX - XX/XX/XXXX. Fraud inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is also inaccurate. Please update the status to 'Never late '. I was never late for this. I have tried my best to be a responsible consumer and parent. This is just unacceptable. Please update. I never authorized for this to report. This is personal and should never even be on my reports. OFFICE OF THE ATTY GENER - XXXX - XX/XX/XXXX, ATTORNEY GENERAL-XXXX  - XXXX - XX/XX/XXXX. I have attached to this request the same FTC report that I sent to them, along with my ID and proof of address. I would appreciate it if you could take immediate action to have these fraudulent inquiries removed from my credit report. XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: TX

Complaint narrative:
I looked at my report to check on the update on my request to remove the inaccurate and fraud information from my credit reports. To my surprise, a new fraud account has been added. Please help me remove this fraud account along with the others from my previous complaint. XXXX - XXXX XXXX  - XXXX - XX/XX/XXXX This is not mine. I am writing to report a case of identity theft and fraudulent hard inquiries that are still showing on my credit report with XXXX and XXXX, despite my efforts to have them removed. I sent out my letter on XX/XX/XXXX. However, to this date ( XX/XX/XXXX ), the fraudulent accounts, information, and hard inquiries have not been removed from my credit report. I have contacted all bureaus multiple times, but their agents have not been able to provide a satisfactory resolution. Each time I call, I receive different answers, and the problem remains unresolved. I have even sent my IDs to them, but they have not listened to my request to remove the hard inquiries. Please remove the fraud accounts and inquiries from my report. Fraud names to be removed : XXXX XXXX, XXXX XXXX. Fraud accounts to be removed : XXXX XXXX XXXX - XX/XX/XXXX. Fraud inquiries to be removed : XXXX XXXX XXXX - XX/XX/XXXX, XXXX  XXXX XXXX - XX/XX/XXXX This is also inaccurate. Please update the status to 'Never late '. I was never late for this. I have tried my best to be a responsible consumer and parent. This is just unacceptable. Please update. I never authorized for this to report. This is personal and should never even be on my reports. OFFICE OF THE ATTY GENER - XXXX - XX/XX/XXXX, ATTORNEY GENERAL-XXXX  - XXXX - XX/XX/XXXX. I have attached to this request the same FTC report that I sent to them, along with my ID and proof of address. I would appreciate it if you could take immediate action to have these fraudulent inquiries removed from my credit report. 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 2024-07-11 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: NY

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 inructions 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. 

These are the inquiries which should be off from report. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-07-11 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:
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 inructions 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. 

These are the inquiries which should be off from report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-07-11 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: GA

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-07-11 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: GA

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$1900.00}

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 non-monetary relief
Consumer complaint received 2024-07-11 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: TN

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-07-11 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-07-11 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 need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site XXXX. Please dispute the following accounts. It was opened without my knowledge, authority or consent. 
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 2024-07-11 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: NJ

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

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 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I initially contacted Sony on XX/XX/year> at XXXX about being unable to order anything off the Sony Rewards app or the website. When calling in, the Phone Representative was not able to order anything either. We updated all information on my accounts to see if that would work, but the issue remained. The phone representative submitted a case for the problem and told me it would likely take less than a week to fix. I reached back out via the support page on the website asking for an update and got a reply on XX/XX/year> saying the issue was still being worked on again I emailed and got the same response on XX/XX/year>. The XXXX time I emailed I got a reply on XX/XX/year> telling me to call in for an update so I did on XX/XX/year> when I was told again that the account was still being worked on. It has been over XXXX days since initial contact and the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I request information from XXXX XXXX. List of all payments, Validation of debt, License to collect in my state, Chain of custody of alleged debt. They failed to provide all the requested information. I request to Delete this collection off my credit report! As, they sued without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: MS

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation