vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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 am filing this complaint against Experian for reporting inaccurate and inconsistent information regarding the XXXX XXXX account ( partial account number : XXXX ) in my credit report. Experians reporting violates the Fair Credit Reporting Act ( FCRA ), as detailed below : Inaccuracies and Issues Identified XXXX. Date Opened : Experian lists the account opening date as XX/XX/XXXX, which conflicts with the date reported by XXXX ( XX/XX/XXXX ). 

XXXX. Payment History : Experian reports XXXX  late payments : XXXX days late : XXXX  XXXX XXXX days late : XXXX XXXX XXXX days late : XXXX XXXX XXXX days late : XXXX  2023 150 days late : XX/XX/XXXX Charge Offs : XX/XX/XXXX and XX/XX/XXXX These details conflict with the lack of payment history shown by XXXX. 

XXXX. Comments : Experian includes comments such as " Account was in dispute- now resolved '' and references to bankruptcy Chapters 7, 11, or 12, which are absent from TransUnions reporting. 

FCRA Violations XXXX Section 609 : Experian is required to report verifiable and consistent information. The discrepancies and additional comments in its reporting violate this section. 

XXXX. Section 607 ( b ) : Experian must maintain reasonable procedures to ensure the accuracy of information. Its failure to align key data points with other bureaus shows non-compliance. 

XXXX. Section 623 : The information provided by XXXX XXXX is inconsistent, and Experian failed to ensure its accuracy before reporting it.

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 2024-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX recognize and arent familiar any of these inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I recently did a pre-approval for a mortgage through Chase Bank. I manage my Credit File via XXXX. I always keep my credit file locked. So when Chase did the enquiry I unlocked my file for a moment and locked it again once Chase had successfully did a credit enquiry. 

Now both Chase and XXXX are stating they did not share my info and this credit enquiry outside. But since my credit enquiry I am getting 20+ calls a day on my cell phone which is linked to my XXXX account from various Lenders. And they all are aware of my mortgage credit enquiry.. 

I never permitted either XXXX or Chase to share this enquiry outside. So frustrated on how this got leaked and more importantly how did my personal info got shared externally. My home address, my phone number and name and the fact that I applied for mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: KY

Complaint narrative:
Violation of the FCRA : Inaccurate Reporting and Improper Disclosure of Information Description of the Issue : I have identified inaccurate information on my credit reports with XXXX and Experian. Both agencies are incorrectly reporting late payments on my XXXX XXXX XXXX  account ( account number : XXXX ). According to my records, these payments were made on time. 

I sent a letter to XXXX XXXX XXXX  on [ XX/XX/XXXX ] requesting validation of the debt and correction of the errors. However, I have not received a response within the timeframe established by the Fair Credit Reporting Act ( FCRA ). I later disputed the information directly with XXXX and Experian, but the errors persist. 

Furthermore, under the FCRA, no agency has the right to disclose incorrect information or violate my privacy by reporting inaccurate data about my financial history. This noncompliance jeopardizes my privacy and my credit reputation. 
The improper disclosure and inaccurate reporting of this information are damaging my credit score and my ability to obtain credit on fair terms. This also represents a potential violation of my privacy rights under the FCRA.

I request that : All inaccurate information and incorrect late payments be removed from my credit report. 
The agencies and creditors cease disclosing incorrect information in my history. 
I receive written confirmation that my information has been corrected and that my privacy will be respected in accordance with the FCRA. 

Attached Documents : Certified mail proof of sending. 
Current credit reports showing the errors. 
my ID Sincerely, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KENTUCKY XXXX BIRTHDAY : XX/XX/XXXX LAST 4 OF SSN : 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off XXXX XXXX  XXXX XX/XX/XXXX {$4900.00} XXXX  XXXX XX/XX/XXXX {$790.00} XXXX  XXXX XX/XX/XXXX {$21000.00} XXXX  XXXX XXXX XX/XX/XXXX {$580.00} Late Payment XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX {$41000.00} Inquiries XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Bankruptcy Chapter XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy Court Chapter XXXX Bankruptcy XX/XX/XXXX XXXX XXXX XXXX XXXX  TX XXXX Chapter XXXX Bankruptcy XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX ; Late XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX  XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2024-11-27 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they 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 2024-11-27 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Klarna AB
State: FL

Complaint narrative:
I need additional time beyond my current due dates to pay my remaining Klarna balances. I will pay them, I just can't right now as I'm assisting my mother financially. 

Klarna 's agent could not give me instructions for how to disable AutoPay after trying for 30 minutes, then told me it was not possible, which is illegal per your site.

I'm aware this will result in my credit report potentially getting dinged or late fees but thar is my decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NV

Complaint narrative:
I am filing this complaint to formally address a fraudulent and unauthorized credit inquiry that has been unlawfully appearing on my credit report. Despite multiple disputes and clear evidence that I did not authorize or consent to this inquiry, it remains unresolved and continues to negatively impact my credit score. I have contacted both the credit bureau and the company responsible for the inquiry several times, providing all necessary documentation to demonstrate that I did not initiate or approve the application associated with this inquiry. Yet, the inquiry has not been removed. This ongoing inaction is not only frustrating but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting. It also raises serious concerns about potential identity theft, further adding to the stress and uncertainty I am facing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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.

EXPERIAN 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 d
ays 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! 


Update the late payments from my consumer reports

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hello I'm submitting this complaint because I've tried to resolved this with XXXX but was unsuccessful. I am a surviver of 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 2024-11-27 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: KY

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NY

Complaint narrative:
Its outrageous that accounts in litigation are still on my credit report, damaging my credit score due to your inaction. Ive reached out repeatedly to correct this error, yet no action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XX/XX/year>

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX Contact XXXX XXXX immediately let them know that no foreclosure happened XX/XX/year> and MERS never purchased XXXX XXXX XXXX for XXXX and is fraud. 

XXXX XXXX XXXX XXXX Police report XXXX is forgery XXXX Confession of mortgage fraud is CFPB # XXXX. 

NY ATTORNEY GENERAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX Contact XXXX XXXX immediately let them know that no foreclosure happened XX/XX/year> and MERS never purchased XXXX XXXX XXXX for XXXX and is fraud. 

XXXX XXXX XXXX XXXX Police report XXXX is forgery XXXX Confession of mortgage fraud is CFPB # XXXX. 

NY ATTORNEY GENERAL 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX Contact XXXX XXXX immediately let them know that no foreclosure happened XX/XX/year> and MERS never purchased XXXX XXXX XXXX for XXXX and is fraud. 

XXXX XXXX XXXX XXXX Police report XXXX is forgery XXXX Confession of mortgage fraud is CFPB # XXXX. 

NY ATTORNEY GENERAL XXXX

Company response to consumer: Closed with explanation