vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: LEXISNEXIS
State: FL

Complaint narrative:
Subject : Formal Dispute and Demand for Removal of Fraudulent/Inaccurate Information Due to Data Breach To Whom It May Concern : I am writing to formally dispute all information on my credit report ( report number : [ insert report number, if available ] ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and to request the immediate removal of fraudulent or inaccurate data resulting from a confirmed data breach. My personal information, including Social Security number, financial accounts, and other sensitive data, was exposed in a breach of XXXX, LexisNexis, XXXX, XXXX, XXXX, XXXX  XXXX XXXX and and XXXX XXXX  XXXX XXXX This breach has placed me at significant risk of identity theft and financial harm. Under FCRA 605B, you are required to block the reporting of any information identified as resulting from identity theft upon receipt of valid documentation. Additionally, FCRA 611 grants me the right to dispute inaccurate or unverifiable information. All data on my report must be investigated, as the breach compromises the reliability of any information tied to my identity. I demand the following actions : Remove or block all fraudulent, inaccurate, or unverifiable information from my credit report resulting from the breach. Notify all relevant furnishers ( e.g., lenders, creditors ) of the disputed items, as required by FCRA 623. Provide me with a revised copy of my credit report and confirmation of corrections. Place a free extended fraud alert on my file for seven years under the FCRA and the Fair and Accurate Credit Transactions ( FACT ) Act. Enclosed Documentation ( Certified Copies Do Not Return ) : Copy of my government-issued ID. Proof of the data breach Failure to comply with FCRA obligations may result in legal action, including claims for damages under 1681n. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and [ State Attorney Generals Office ]. Please confirm receipt of this dispute in writing within 5 business days and complete your investigation within 30 days, as required by law. For urgent resolution, I also request a security freeze on my credit file under the FACT Act to prevent unauthorized access. Sincerely, CC : Consumer Financial Protection Bureau ( CFPB ) | Federal Trade Commission ( FTC ) | [ State Attorney General, if applicable ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: PR

Complaint narrative:
I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. 

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain block

ed for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report. Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but CREDIT BUREAU has failed to provide a solution to this issue. This has significantly impacted me, preventing me from acquiring a new home for my family. This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me. I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response.

For these reasons, I request immediate action to block and remove this information 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 explanation
Consumer complaint received 2025-03-01 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: IL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
Account are as follows : XXXX XXXXXXXX XXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NV

Complaint narrative:
XXXX XXXXXXXX report to all XXXX credit bureau incorrect account information which cause my credit score to decreased by XXXX points. XXXX XXXXXXXX confirmed by phone on XX/XX/year> that they reported my account information to all XXXX credit bureau on XX/XX/year> which that is my due date on my account and the closing date on my account is every XXXX of the following month. Usually XXXX XXXX does the reporting to all credit bureau after XXXX and this time around they did not. They confirm that this was a mistake in there end and were requesting that I send them a letter by mail explaining a mistake that they did on my account. Which I inform XXXX XXXX that this mistake was done on there end and I should not have to send a letter explaining the mistake they did. They refused to have this mistake corrected on my account and stated a letter needs to be received by mail in order for them to review a mistake that was confirmed my phone that occur on there end.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : 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 2025-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The fraudulent inquiries I have found : 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 XXXX XXXX XXXX XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The XXXX credit score is old and not up to dateXXXX XXXX TransUnion is the same and Data Bleach just changed my score to XXXX, I can not work with that please help me I'm XXXX years old and need 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 2025-03-01 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent account from XXXX on my report, please remove this for its hurting my ability to obtain 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 2025-03-01 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX, Acct ending in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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:
Hello my name is XXXX XXXX XXXX and I noticed this problem on my credit report inXXXX XXXX. Please update this inaccuracy on my credit report as soon as possible. I am writing to dispute an inaccurate late payment on my credit report on my auto loan. I was never late! Why are you reporting a late payment on file? I want immediate changes to correct my profile, I want this payment to be changed to paid as agreed or OK. I made 100 % on-time payments every single month on this auto loan, and the reported late payment in XX/XX/XXXX is reporting inaccurately. Correct this error immediately to correct my credit profile. I have supported documentation to resolve this error. According to the ( FCRA ) these are the laws youve violated! And I would be uploading this on the CFPB, I want immediate action to correct my consumer report before I take further action and escalate this further! Thank you for your time.

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I noticed this problem on my credit report inXXXX XXXX. Please update this inaccuracy on my credit report as soon as possible. I am writing to dispute an inaccurate late payment on my credit report on my auto loan. I was never late! Why are you reporting a late payment on file? I want immediate changes to correct my profile, I want this payment to be changed to paid as agreed or OK. I made 100 % on-time payments every single month on this auto loan, and the reported late payment in XX/XX/XXXX is reporting inaccurately. Correct this error immediately to correct my credit profile. I have supported documentation to resolve this error. According to the ( FCRA ) these are the laws youve violated! And I would be uploading this on the CFPB, I want immediate action to correct my consumer report before I take further action and escalate this further! Thank you for your time.

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : XXXX XXXX, Acct ending in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : XXXX XXXX, Acct ending in 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 2025-03-01 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: CBC Companies, Inc.
State: IN

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: SC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX BANK XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX BANK # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX BANK # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX & XXXX # XXXX - Date 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 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX am a victim of identity theft. On XX/XX/year>2024 my wallet was stolen containing my Identification Card, Social Security Card, and Bank cards. On XX/XX/year>2024 I had went to the XXXX to get a replacement ID card and the XXXX XXXX XXXXXXXX Office to get a social security card issued out my address. XX/XX/year>2024 I was incarcerated by the XXXX XXXX Police department for a DUI I was let out of prison on XX/XX/year>. I XXXX XXXX am herby stating that there's no way possible that I could have initiated this transaction due to me being incarcerated as well as not being able to have access to my mailbox although our apartment manager did not fix our mailbox at the time so when I came back home from prison I did not receive neither ID card or Social Security Card because they were stolen and had to replace them both again. I did not notice that Bank of America mailed me out a check in the amount of {$2900.00} until my brother had got his check and ask if I had received mine so I contacted Bank of America on regards of my check and they had notified me that it was cashed without my consent on XX/XX/scrub> 2024. I am requesting a complete investigation from Bank of America of this matter and ask that Bank of America take action and reissue out my check and have it corrected. I have made a Police report for the XXXX XXXX Police Department ( XXXX ) as well as an Identity theft 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 2025-03-02 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: FL

Complaint narrative:
XXXX XXXX XXXX  Credit card initial credit line was for XXXX now credit limit has been reduced Home Depot Credit card is funded by XXXX Pursuant 15 USC 1681b what these two conspirators are unlawfully violating my rights and privacy by sharing my information without my expressed written permission XXXX codes apply to governing my security interests and violators shall be prosecuted to as far as the supreme court if need be UCC9-210 the rights to information in secured transactions found in UCC Article 9 The Facts can not be Altered Nor Denied and Ignorance of the Law is no excuse 12 USC 1431 States that in this case Defendant, XXXX can not actually loan me money because they are the borrowers. 
Because I have given XXXX and HomeDepot my social security number they are under the obligation to lawfully operate as fiduciary in my best interest which both of these " creditors '' have not done so which is AGAINST THE LAW Both of these XXXX XXXX XXXX and XXXX are breaking the law 18 U.S.Code 894 - Collection of extensions of credit by extortionate means This is unlawful and XXXX XXXX XXXX and XXXX are conspiring against me instead of protecting me. The law says that if anyone does this they will be fined. This is a Notice I am now demanding to for evidence and verification of this alleged debt and the lawful reasoning for my credit denial/decrease and privacy invasion.

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