vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at my credit report, which made me quite depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % correct in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not providing 100 % accurate information. Copies of every letter sent are included below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: OH

Complaint narrative:
I am writing to address an ongoing issue regarding unauthorized inquiries appearing on my credit report. Despite my previous attempts to resolve this matter, the unauthorized inquiries continue to be reported, and it is imperative that they be promptly investigated and removed to ensure the accuracy and integrity of my credit profile. 

Upon reviewing my most recent credit report dated XX/XX/XXXX, I have noticed that unauthorized inquiries are still being reported. These inquiries were not initiated or authorized by me, and their presence on my credit report is both concerning and damaging to my creditworthiness. 

Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX I want to emphasize that these unauthorized inquiries do not reflect my credit behavior or financial activities. Their presence on my credit report may lead to misconceptions about my creditworthiness and could potentially impact my ability to obtain credit or other financial opportunities.

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 2024-06-06 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:
My information has been exposed to Equifax data Breach because I didnt authorize this account neither did I open this account Equifax has failed to provide proof of this account is mines

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
My information has been exposed to XXXX data Breach because I didnt authorize this account neither did I open this account XXXX has failed to provide proof of this account is mines

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: NY

Complaint narrative:
I do not owe money to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: DE

Complaint narrative:
To Whom it May Concern This complaint is regarding account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please be aware that any negative mark found on my credit report including TransUnion from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of a data breach and victim of identity theft I been trying to get this off my credit its stopping me from getting a new apartment and car

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: NY

Complaint narrative:
I am a victim of a data breach and victim of identity theft I been trying to get this off my credit its stopping me from getting a new apartment and car

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 2024-06-06 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 three main credit bureau are reporting inaccurate information on my credit report. 
Please see attached files below.

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 2024-06-07 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: NY

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/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 2024-06-06 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:
I recently looked at my credit report, which made me quite depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % correct in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not providing 100 % accurate information. Copies of every letter sent are included below.

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 2024-06-06 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: TX

Complaint narrative:
I recently looked at my credit report, which made me quite depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % correct in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not providing 100 % accurate information. Copies of every letter sent are included below.

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 2024-06-06 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: PA

Complaint narrative:
This account was charged off on the following date ( XXXX, 2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion immediately of the following account : 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 2024-06-07 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX a fraudulent charge was made on my Home Depot credit card for {$3500.00} I contacted the company to file fraudulent charge on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that I was found to be responsible for the charges. I again disputed the charge On XX/XX/XXXX they asked me to fax drivers license to them which i did and they claim to never receive it although i have proof of transmission. I then mailed this proof along with my wife 's license and signature and again they claim they didn't receive it. On XX/XX/XXXX they claimed again I'm responsible for fraudulent charges. On XX/XX/XXXX I filed a fraudulent charges police report and submitted it to the credit card company. I was in contact with the company several more times to check on status and was always told it was still under review. On XX/XX/XXXX i was again told they didn't receive my drivers license information and I again faxed it to them again on XX/XX/XXXX. I received 3 more letters from company stating I'm responsible for the fraudulent charges and also received 2 letters stating that attorney placement is pending. Every time i called there the story about the charge changed and they always asked me the same questions over and over. According to the credit card company an increase in credit was requested days before the charge was made which again I did not request and they allowed .I asked them to check video surveillance which was denied. I have been cooperating fully to try and resolve this but they are still finding me responsible for this fraudulent charge.

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 2024-06-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> EQUIFAX INFORMATION SERVICES LLC EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Dear EQUIFAX Subject : Settlement Demand Pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] I am writing to address the willful violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX which has resulted in significant damages to me. 

Pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], I am entitled to statutory damages for your violation. I am willing to settle my claim for the damages I have suffered in the amount of {$1000.00}. 

Please send payment in the form of certified funds to the address listed above no later than XX/XX/year>. That is 15 Days from the date of this letter. 

Should you fail or refuse to settle this demand, I will have no choice but to seek actual damages, which I believe will exceed {$1000.00}, as permitted by law. 

I look forward to your prompt response to this matter. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern Wakefield and associates you are reporting this collection as an open account which is not under fcra compliance this is inaccurate reporting and it needs to be removed immediately please send me a copy of my credit report when the above collection is deleted and has been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: OH

Complaint narrative:
I am writing to address an ongoing issue regarding unauthorized inquiries appearing on my credit report. Despite my previous attempts to resolve this matter, the unauthorized inquiries continue to be reported, and it is imperative that they be promptly investigated and removed to ensure the accuracy and integrity of my credit profile. 

Upon reviewing my most recent credit report dated XX/XX/2024, I have noticed that unauthorized inquiries are still being reported. These inquiries were not initiated or authorized by me, and their presence on my credit report is both concerning and damaging to my creditworthiness. 

Inquiry Name : XXXX Inquiry Date : XX/XX/2024 Inquiry Name : XXXX  Inquiry Date : XX/XX/2024 Inquiry Name : XXXX Inquiry Date : XX/XX/2024 Inquiry Name : XXXX Inquiry Date : XX/XX/2024 Inquiry Name : XXXX  Inquiry Date : XX/XX/2024 Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/2024 Inquiry Name : XXXX Inquiry Date : XX/XX/2024 I want to emphasize that these unauthorized inquiries do not reflect my credit behavior or financial activities. Their presence on my credit report may lead to misconceptions about my creditworthiness and could potentially impact my ability to obtain credit or other financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: FL

Complaint narrative:
Somebody use my SSN to submit a credit line check/request using an address I dont recognize or never use before

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: OH

Complaint narrative:
I am writing to address an ongoing issue regarding unauthorized inquiries appearing on my credit report. Despite my previous attempts to resolve this matter, the unauthorized inquiries continue to be reported, and it is imperative that they be promptly investigated and removed to ensure the accuracy and integrity of my credit profile. 

Upon reviewing my most recent credit report dated XX/XX/year>, I have noticed that unauthorized inquiries are still being reported. These inquiries were not initiated or authorized by me, and their presence on my credit report is both concerning and damaging to my creditworthiness. 

Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/year> Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> I want to emphasize that these unauthorized inquiries do not reflect my credit behavior or financial activities. Their presence on my credit report may lead to misconceptions about my creditworthiness and could potentially impact my ability to obtain credit or other financial opportunities.

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 2024-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello. I have never had a XXXX  phone, tablet, internet, nor cable. I have notified the Irs and the SSA that someone has been filing wages in my name all through my childhood in foster care. I even have a security code to file taxes.I have never in my life had any business with XXXX XXXX. This debt should not be on my credit. The only things i have done involving something with credit is have a medical debt ( which is being paid soon due to me never giving them my insurance member ID untill now ) and my XXXX loan from XXXX XXXXXXXX which i start paying off in XXXX. I have recently thought to build my credit because i would like to get a vehicle and finance, yet i can not even think to do so with this debt which is effecting my credit. Someone had stolen my identity and i need this taken off of 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 non-monetary relief
Consumer complaint received 2024-06-06 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: CA

Complaint narrative:
Experian is reporting a collection with a past due balance on my credit report. I have disputed this inaccurate collection with them previously but they continue to report it on my 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 explanation
Consumer complaint received 2024-06-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This account was charged off on the following date ( XXXX, 2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion immediately of the following account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: PA

Complaint narrative:
This account was charged off on the following date ( XXXX, 2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion immediately of the following account : 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