vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: NC

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-01 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: MD

Complaint narrative:
After reviewing my credit report, I found incorrect late payment listings inconsistent with my payment habits. Please update my account to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: NC

Complaint narrative:
Had an inquiry on my credit report at Transunion that I didn't authorized. I'm not familiar with " XXXX ''. This inquiry was made on 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 non-monetary relief
Consumer complaint received 2024-11-01 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: SC

Complaint narrative:
I am writing to formally dispute an error on my Experian credit report related to my account with XXXX XXXX XXXX which is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. This error has incorrectly impacted my credit profile and caused undue harm, and I demand immediate rectification. 

Despite my consistent payment history and the fact that XXXXXXXX XXXX XXXX  accurately reflect my account status as " Paid as Agreed, '' Experian continues to report this account inaccurately. I have never missed a payment with XXXX XXXXXXXX XXXX  and this misinformation is not only erroneous but also a clear violation of my rights under federal law. Under the FCRA, credit reporting agencies are required to ensure maximum accuracy ( 15 U.S.C. 1681e ( b ) ), and Experian has failed to meet this standard. 

This inaccurate reporting has caused significant frustration and potential financial harm, impacting my credit score and reputation unfairly. I am requesting that Experian immediately update my credit report to reflect the correct account status of Paid as Agreed, Never Late ( PAANL ). XXXX continued reporting of this account inaccurately is not only in direct violation of the FCRA but also constitutes a breach of my rights under the U.S. Code. 

Furthermore, I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold Experian accountable for failing to uphold the FCRAs standards. This discrepancy on my report is unacceptable and must be corrected without delay to prevent further harm. If immediate action is not taken, I am prepared to escalate this matter further, as I have every intention of enforcing my rights under the law. 

Please confirm in writing that Experian has updated my report to reflect the accurate account status. I request a resolution of this matter within the 30-day period stipulated by the FCRA for consumer disputes.

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 2024-10-31 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: OH

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-10-31 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: MN

Complaint narrative:
XXXXXXXX XXXX instead of honoring there buyers credit warrenty they choose to lock me out of my account that was disputed and then XXXX  started taking XXXX a month with out my connsent on a debt older than XXXX XXXX XXXX in MN. They breached the contract when XXXX out of XXXX orders from XXXX never arrived in the XXXX. They had me wait so long the 2 months was up to dispute. Now XXXX is lying to the credit reporting companys and it is XXXX XXXX. All 3 major reporting companys and I have reported them 2 or 3 times to each one.

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 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear CFPB Team, I am submitting this formal complaint against TransUnion for improperly verifying and updating an account on my credit report without providing the necessary verification documentation. This impacts my credit profile negatively and constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
Complaint Description : TransUnion verified and updated the XXXX account, partially identified with account number # XXXX, on my credit report without providing documentation to substantiate this verification. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), consumers have the right to a detailed description of the verification procedure and to receive any document proving the validity of the claimed debt. I have repeatedly requested the following from TransUnion : A complete description of the procedure used to verify this account, including the verification method employed. 
The name, address, and telephone number of each person contacted regarding this account, as required under Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA.

A copy of any document bearing my signature demonstrating a contractual obligation to pay the claimed amount, as outlined in Section 609 ( a ) ( 1 ) of the FCRA. 
TransUnion has not complied with these requests, restricting my right to a transparent and accurate investigation. Additionally, any verification conducted solely through the automated E-OSCAR system is inadequate and does not meet FCRA standards. 
Impact on My Credit : These inaccuracies on my credit report significantly affect my credit score and hinder my ability to obtain financial opportunities. TransUnions failure to comply with the FCRA represents an obstruction of my right to a fair and accurate credit report. 
Request for Intervention : I respectfully request that the CFPB intervene in this case, requiring TransUnion to adhere strictly to the provisions of the FCRA and provide detailed and complete verification of the reported data on my credit. Furthermore, I ask that TransUnion be required to respond adequately to my requests or to remove this account from my credit file if the data can not be properly verified. 
Thank you for your attention to this matter. I am available to provide any additional documentation to support my case and trust that the CFPB will take the necessary action to ensure TransUnions compliance with its legal obligations, thus protecting my rights as a consumer. 

Sincerely, 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 2024-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> I disputed a charge that i was billed in the wrong amount. Over billing of {$2000.00} ( XXXX XXXX XXXX. I contacted Capital One ( Savor Acct ) spoke to a Supv., named XXXX XXXX He refused to assist. Capital does NOT assist its card holders. I called the Company they to refused to assist. 

CAPITAL ONE issued a temporary Credit, but now stated they will reverse. In a day, they never gave the company a chance to RESPOND. One day. CAPITAL ONE IS TERRIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: AL

Complaint narrative:
Ive disputed these items with the credit bureau several times and the only thing they sent me back was verified with that was accurate with no type of validation

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 2024-10-31 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: AL

Complaint narrative:
Ive disputed these items with the credit bureau several times and the only thing they sent me back was verified with that was accurate with no type of validation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: OK

Complaint narrative:
I would definitely consider myself someone who was aggressively rushed through financial aid and loan applications when I was in school. I had no idea the difference between federal and private loans, let alone the long-term impacts and overall costs ( especially not the compounding interest ) of my loans. Attempting to complete school while struggling with a previously undiagnosed XXXX XXXX  made it difficult to complete courses racking up more loans in my continued attempts. 

I have more than paid back what my original loan amounts were and tried numerous times to apply for XXXX discharge. Once in XXXX and again in XXXX. Both times the application was lost. I requested the application XXXX other times only for the application to never be received in the mail. 

When I have tried to follow up it's like my calls on the subject never happened. 

Throughout college, while navigating numerous XXXX XXXX XXXX  ( which have continued since ), in attempts to be able to pay for medical care I was also forced into more than one deferment and forbearance program without a full understanding of what that was let alone that I had other options at the time. 

I have been on income repayment but have still had to sell all my personal belongings to not be late on student loan payments. My student loan is 20 % of my total income .... if that doesn't include overpayments that were taken. No one juggling a life-threatening, XXXX XXXXXXXX should have to battle a lender like this when they're fighting to survive. I appreciate your consideration of my case and hope an investigation can help bring to light another grossly mismanaged loan arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My social security and phone number is under an incorrect email address and Experian will not respond to me to correct it. 


my social security is being used for purchases, loan and creit card applications

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 2024-11-01 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Compliance with Federal and Texas FCRA Identity Theft Laws Dear ONEMAIN, I am writing to address the unauthorized reporting of information to my credit report, in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Texas identity theft and finance laws. This unauthorized action by ONEMAIN has been executed without my explicit consent, directly violating Section 1681b ( a ) ( 2 ) of the FCRA, Sections 392.301 and 392.305 of the Texas Finance Code, and the Texas Penal Code Section 32.51 on identity theft.

Under federal law, Section 1681b ( a ) ( 2 ) of the FCRA mandates that consumer consent is a non-negotiable requirement for any entity reporting information to a credit bureau. Texas state law aligns with these protections, with Section 392.301 of the Texas Finance Code reinforcing the necessity of consumer authorization in all reporting actions, while Section 392.305 further delineates the standards for lawful credit reporting practices. Moreover, Texas Penal Code Section 32.51 underscores the criminal implications of unauthorized access and misuse of personal information, marking this as a serious offense under state identity theft statutes. 

I firmly assert that I have not given consent for ONEMAIN to report any information to my credit profile, making this unauthorized reporting a blatant violation of my rights. Such disregard for legal standards has not only compromised my credit integrity but also exposed ONEMAIN to accountability under both federal and Texas laws. 

I am demanding the immediate cessation of any further reporting activity by ONEMAIN to my credit report. ONEMAIN must comply with federal and Texas statutes requiring explicit consumer consent, as stated under Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Should there be failure to address this within the required 30-day period, I will interpret this as deliberate noncompliance, subject to legal penalties, including those outlined in Texas identity theft laws.

Consent is not discretionary in these mattersit is a legal obligation. I expect ONEMAIN to act in strict adherence to these laws and to uphold my rights as a consumer protected under federal and Texas law.

Company response to consumer: Closed with explanation