vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Summary of Accounts being challenged in list form WINGS XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XX/XX/XXXX, Has violated my rights I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

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 2024-06-20 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: FL

Complaint narrative:
I am submitting my complaint to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's 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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Within the last 10 years I have had prsonal loans that I have REFINANCED multiple at least once a year. All closed loans due to REFINANCE are still on credit report. CLOSED ACCOUNTS have a DERROGATORY AND NEGATIVE impact!!! Reporting bureaus REFUSE to remove closed accounts, and even hold them on report for TEN YEARS!!! TEN YEARS of NEGATIVE reporting and TEN YEARS of credit denial from anyone looking at credit history!! Every single credit DENIAL letter i have received was due to CLOSED ACCOUNTS for the most part!! This needs to change and credit bureaus need to STOP REPORTING NEGATIVE INFORMATION UNDER FALSE PRETENSES!!!

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 2024-06-20 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: FL

Complaint narrative:
I am writing to inform you that this is my second attempt to send this FTC document regarding unauthorized credit inquiries. Despite the FTC report being valid, Equifax has claimed it to be invalid. This matter is now being forwarded to XXXX, and I request that you monitor this situation closely for any negligence towards my request. 

Request for Expedited Removal of Unauthorized Credit Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally request the urgent removal of unauthorized inquiries from my credit report, maintained by Equifax, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and following an unfortunate incident of identity theft that I have recently experienced. 

I discovered multiple credit inquiries on my report that I did not authorize. These inquiries are adversely affecting my credit score and may potentially have broader implications on my financial health. Under 15 U.S.C. 1681c-2 of the FCRA, which relates to identity theft, I am entitled to an expedited process in resolving issues stemming from such criminal activities. 

Attached to this letter, you will find a copy of the Identity Theft Report filed with the FTC, which details the nature of the theft and supports my claim of these inquiries being fraudulent. 

Given the clear evidence of identity theft and in accordance with the FCRA guidelines that mandate the removal of any information related to fraud from a consumer 's credit report, I respectfully request that the CFPB intervene to ensure that Equifax addresses this matter with the urgency it warrants. Specifically, I seek the removal of the unauthorized inquiries within five ( 5 ) business days from the date of this request, to prevent further damage to my credit and personal finances. 

Please find below the details of the unauthorized inquiries for your reference : I trust that the CFPB will assist in rectifying this matter swiftly. Please do not hesitate to contact me at XXXX or XXXX should you need any more details or documentation to facilitate the resolution of this issue. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: FL

Complaint narrative:
XXXX XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

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 2024-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA

Complaint narrative:
I went through a bankruptcy in XXXX and received a discharge. Aspire student loan servicing was removed from my credit report and the balance dropped off. Three months after the discharge they added the balance back and negatively affected my credit report. I have tried numerous times to reach out to Aspire and inquire as to way its reporting again and to speak with their bankruptcy department and have been denied the information I am seeking. I struggled to pay the loan back then and now find myself no better off than before the bankruptcy because of the balance. My principal balance has been paid down very little over the life of the loan. Many of the balances have gone up. My XXXX loans through them have totaled a little over XXXX in XXXX. In XXXX I still owe XXXX. XXXX of my payments have gone to the principal and XXXX has been paid in interest

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 2024-06-20 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 with the utmost urgency to demand immediate action regarding the fraudulent account and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX XXXX XXXXXXXX

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Despite numerous attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not connected to me in any way, and I hold no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this matter is not promptly addressed. 

These inaccurate and fraudulent items on my consumer report have hindered my ability to achieve my goal of purchasing a home and providing for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), outlining this issue and seeking resolution.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I went to check my checking account balance and saw this company took {$290.00} out of my checking account using my debit card. I did not take a loan out with this company and want this removed from my credit report and reported as a scam company XXXX  re : Westlake Portfolio Management XXXX. This info was taking from my XXXX Banking Account. I did not take a loan out with this company at all. They used my cell phone but not my email address. Please stop these people from going into my personal checking accounts etc as I did not sign anything for {$5100.00}. My credit is not good for that kind of loan. I would not take out, anyway. I need you to contact these people and stop them from using my personal information. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: FL

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

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

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

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

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

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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:
I am writing to inform you that this is my second attempt to send this FTC document regarding unauthorized credit inquiries. Despite the FTC report being valid, XXXX has claimed it to be invalid. This matter is now being forwarded to TransUnion, and I request that you monitor this situation closely for any negligence towards my request. 

Request for Expedited Removal of Unauthorized Credit Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally request the urgent removal of unauthorized inquiries from my credit report, maintained by XXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and following an unfortunate incident of identity theft that I have recently experienced. 

I discovered multiple credit inquiries on my report that I did not authorize. These inquiries are adversely affecting my credit score and may potentially have broader implications on my financial health. Under 15 U.S.C. 1681c-2 of the FCRA, which relates to identity theft, I am entitled to an expedited process in resolving issues stemming from such criminal activities. 

Attached to this letter, you will find a copy of the Identity Theft Report filed with the FTC, which details the nature of the theft and supports my claim of these inquiries being fraudulent. 

Given the clear evidence of identity theft and in accordance with the FCRA guidelines that mandate the removal of any information related to fraud from a consumer 's credit report, I respectfully request that the CFPB intervene to ensure that XXXX addresses this matter with the urgency it warrants. Specifically, I seek the removal of the unauthorized inquiries within five ( 5 ) business days from the date of this request, to prevent further damage to my credit and personal finances. 

Please find below the details of the unauthorized inquiries for your reference : I trust that the CFPB will assist in rectifying this matter swiftly. Please do not hesitate to contact me at XXXX or XXXX should you need any more details or documentation to facilitate the resolution of this issue. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance.

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 2024-06-20 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: PA

Complaint narrative:
Despite numerous attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not connected to me in any way, and I hold no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this matter is not promptly addressed. 

These inaccurate and fraudulent items on my consumer report have hindered my ability to achieve my goal of purchasing a home and providing for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), outlining this issue and seeking resolution.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have been a victim of identity theft and promptly reported the incident. 

It is crucial to address this matter promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: CA

Complaint narrative:
Thank you for removing some of the inaccurate items from my file caused by incorrect credit information. However, there are still items that need to be addressed. I am disputing an inquiry in my credit file that resulted from incorrect credit report details. Here is the Identity Theft Report XX/XX/XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) ( 1 ) ( 2 ), you are required to remove any information resulting from alleged identity theft within four business days upon receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX -- -- -- -- TRANSUNION XXXX XXXX XXXX XX/XX/XXXX 
XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX. Please note that you have four business days to remove these items from my credit file. I do not consent to XXXX or any means of automated verification.

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 2024-06-20 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: CA

Complaint narrative:
Thank you for removing some of the inaccurate items from my file caused by incorrect credit information. However, there are still items that need to be addressed. I am disputing an inquiry in my credit file that resulted from incorrect credit report details. Here is the Identity Theft Report # XXXX. According to FCRA Section 605B ( a ) ( 1 ) ( 2 ), you are required to remove any information resulting from alleged identity theft within four business days upon receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 
XXXXXX/XX/XXXXXX/XX/XXXX. Please note that you have four business days to remove these items from my credit file. I do not consent to XXXX or any means of automated verification.

Company response to consumer: Closed with explanation