vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: NJ

Complaint narrative:
Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by all bureau XXXX Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Here is a breakdown of potentially inaccurate information : 1. Number of Months ( Terms ) : Equifax shows 0 months as terms, which is inconsistent with XXXX and XXXX, both reporting 78 months. 
2. Comments Section : Equifax has Auto Fixed rate listed in the Comments section, while XXXX and XXXX do not have any comments. This inconsistency might indicate missing or unnecessary data. 
3. Date Last Active : XXXX lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, and Equifax lists XX/XX/XXXX. These dates are inconsistent. 
4. Date Opened : XXXX shows XX/XX/XXXX, while XXXX and Equifax list XX/XX/XXXX. 
5. Last Reported : XXXX and XXXX both list XX/XX/XXXX, but Equifax lists XX/XX/XXXX. This discrepancy could cause issues. 
6. Two-Year Payment History ( Late Payments ) : The XXXX and XXXX late payment statuses differ slightly across the bureaus for certain months. For example : XX/XX/XXXX shows XXXX for XXXX and XXXX but OK for Equifax. 
XX/XX/XXXX has XXXX for XXXX and Equifax, but XXXX for XXXX. 




Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 
Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX CC : CFPB FTC States Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: NJ

Complaint narrative:
Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by all bureau . Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Here is a breakdown of potentially inaccurate information : 1. Number of Months ( Terms ) : XXXX shows XXXX  months as terms, which is inconsistent with XXXX and Experian, both reporting 78 months. 
XXXX. Comments Section : XXXX has Auto Fixed rate listed in the Comments section, while XXXX and Experian do not have any comments. This inconsistency might indicate missing or unnecessary data. 
XXXX. Date Last Active : XXXX lists XX/XX/XXXX, Experian lists XX/XX/XXXX, and XXXX lists XX/XX/XXXX. These dates are inconsistent. 
XXXX. Date Opened : XXXX shows XX/XX/XXXX, while Experian and XXXX list XX/XX/XXXX. 
XXXX. Last Reported : XXXX and Experian both list XX/XX/XXXX, but XXXX lists XX/XX/XXXX. This discrepancy could cause issues. 
XXXX. Two-Year Payment History ( Late Payments ) : The XXXX and XXXX late payment statuses differ slightly across the bureaus for certain months. For example : XX/XX/XXXX shows XXXX for XXXX and Experian but XXXX for XXXX. 
XX/XX/XXXX has XXXX for Experian and XXXX, but XXXX for XXXX. 




Section XXXX of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX XXXX : CFPB FTC States Attorney General

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 2024-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: MI

Complaint narrative:
I called XXXX XXXX XXXX on XX/XX/XXXX to take out a loan of {$1200.00} and gave them my information and bank account information for approval. I was assigned account number XXXX was told my monthly payment would be {$570.00}, no interest rates were discussed or agreed upon by myself since it was never disclosed. I assumed Id make 2 payments of {$570.00} plus an additional fee to close the loan. I called XX/XX/year> to confirm the payoff amount and was told I had 14 more months of paying {$570.00} which is a total of {$7900.00} plus the {$1200.00} I borrowed for a total of {$9100.00} payback on a {$1200.00} loan. I was not aware of this and it was not disclosed to me otherwise I would not have borrowed the {$1200.00}. Im a XXXX XXXX  in a fixed income and just lost my husband. This illegal loan would bankrupt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXX XXXX XXXX, OH XXXX. I request that my current address be updated accordingly and the previous update. 

XXXX. Employers : My current employer is XXXX. I request that my new employer, be updated as my primary.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX I contacted Experian and they directed me to go online to update my information and I was unable to do so as they could send me a verification code. I called back to the XXXX and was unable to a live person. 

XXXX I contacted Experian and they directed me to go online to update my information and I was unable to do so as they could send me a verification code. I did get to a live person after XXXX minutes and after talking to five customer service reps they would not help me and kept transferring me to different departments until I ended up on the automated line again. Each person said it was not their problem and would transfer me to another person. They kept updating my personal information then transferred me to another department. 

I called the XXXX number and spoked to a lady which said she had limited power and tried to help me but eventually sent me back to the automated system which does not allow you to speak to a real person and eventually directs you to online system which does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My personal information has been compromised and I urgently need a credit freeze from experian.com. I have called experian.com dozens of times and I have not been able to reach any customer service to help me access my account to place the credit freeze. The only option is to redirect me to the website or send me a link to their website. The problem is that I no longer can log into my account as my phone number has changed. And I can not reach anyone from the company to assist me to access my account using my new cell phone number. 

There is no way to contact an actual person for emergency customer support. I need to place an urgent credit freeze with experian.com. I have no way to do this because the company will not provide customer service to assist me to update my login information. 

Thank you for your 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 explanation
Consumer complaint received 2024-11-26 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: OH

Complaint narrative:
In accordance with the FCRA this creditor has violated my rights. Under 15 U.S.C. 1681, section 602 of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies ( CRAs ) must act fairly, impartially, and with respect for consumers ' privacy. Under 15 U.S.C. 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can provide a consumer report in accordance with the written instructions of the consumer. I never provided written consent. 15 U.S.C 1666 ( a ) states that 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.

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 2024-11-26 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: OH

Complaint narrative:
In accordance with the FCRA this creditor has violated my rights. Under 15 U.S.C. 1681, section 602 of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies ( CRAs ) must act fairly, impartially, and with respect for consumers ' privacy. Under 15 U.S.C. 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can provide a consumer report in accordance with the written instructions of the consumer. I never provided written consent. 15 U.S.C 1666 ( a ) states that 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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:
In accordance with the FCRA this creditor has violated my rights. Under 15 U.S.C. 1681, section 602 of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies ( CRAs ) must act fairly, impartially, and with respect for consumers ' privacy. Under 15 U.S.C. 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can provide a consumer report in accordance with the written instructions of the consumer. I never provided written consent. 15 U.S.C 1666 ( a ) states that 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.

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 2024-11-26 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: CT

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. I WANT THE FRAUDULENT ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY BECAUSE THEY HURT 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 explanation
Consumer complaint received 2024-11-26 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: NC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and mySSNCard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
So I had a balance of XXXX. I was in a hardship program so my interest rate we agreed to was XXXX percent. I ended up paying the balance off on XX/XX/XXXX. On XX/XX/XXXX I went out of the hardship program. They than increased the apr to XXXX percent after XX/XX/XXXX. However, they went back before the XXXX and charged me XXXX on XX/XX/XXXX. They called it trailing interest. However, my interest rate was only XXXX percent when I had a balance so they went retroactively back to make sure I got charged a XXXX percent XXXX when it really was XXXX percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2024-11-26 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: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-26 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:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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