vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: MS

Complaint narrative:
I reviewed my credit report from Experian and identified inaccurate hard inquiries listed on my file. I did not authorize or recognize the following inquiries : XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX XXXX, XXXX XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX XXXX - Inquiry Date : XX/XX/year> These inquiries were made without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( 1681b ), no entity is allowed to access my credit report without a permissible purpose or my explicit authorization. 

I contacted Experian directly and requested an investigation and removal of these inquiries if no authorization or permissible purpose could be verified. However, I have not received a satisfactory 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 2025-01-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NJ

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
I am a victim of the Equifax Data Breach/ Identity theft. I sent a certified letter to Equifax to request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. This is pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ( a ) ), which requires credit reporting agencies to block and delete fraudulent information within four business days of receiving proper documentation. Equifax failed to remove these accounts. I DEMAND that these accounts are deleted IMMEDIATELY!. The law states 4 business day. 

Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Amount : {$14000.00} XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  Amount : {$300.00} XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Amount : {$1600.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Amount : {$530.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Amount : {$1000.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Amount : {$460.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Amount : {$300.00} XXXX. XXXX XXXX Account Number : XXXX XXXX  Amount : {$460.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XX/XX/year> I received a monthly statement from Chase Bank with an account balance that was addressed to me at an alternate address where I was expecting a check I never received. The account balance was for the same amount of the check I was expecting from the Dept of Treasury, over {$870000.00}. I called Chase immediately and advised I had never opened an account but the check was intended for me. They advised the account had been opened online. They could not explain how that could happen without identiication and advised they would report the fraud however I did not hear back so on XX/XX/year> I contacted them again and they told me they could give me no information as I told them I had never lived at the address in question and that I had not opened the account.I was also asked why I wanted the money in the account. On XX/XX/year>, I went to a local Chase Bank in XXXX to seek information as provided for in the FCRA, but instead was interrogated and was finally told they would investigate and send me a letter. It has been over 2 months since they were advised they opened a fraudulent account in my name and I still do not have my money that they accepted online by a thief without verifying their identity. I am out almost XXXX XXXX dollars Chase accepted over 3 months ago and they have shown no concern to investigate or make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
In XXXX, I was able to change my payment date. Now, I am not able to change my payment date. I paid the postponed payment date on the date I requested to postpone. There was no announcement or email from NetCredit that I could no longer postpone the payment date. It was easy and transparent for me to log in and change the date without a representative involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: LA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: LA

Complaint narrative:
Dear CFPB, I am filing a complaint regarding unauthorized and inaccurate credit inquiries appearing on my credit report, which I believe violate federal law under 15 U.S.C. 1681n and 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). 

Details of Complaint 1. Violation of 15 U.S.C. 1681b Permissible Purposes of Consumer Reports According to this statute, entities are only permitted to access my credit report with my express authorization or for specific permissible purposes, such as processing a credit application I initiated. The credit inquiry by [ Name of Creditor/Company ] on [ Date ] was unauthorized, as I never applied for credit, gave consent, or engaged in any transaction with this entity. 
2. Violation of 15 U.S.C. 1681n Civil Liability for Willful Noncompliance I believe that [ Name of Creditor/Company ] willfully violated the FCRA by obtaining my credit report without a permissible purpose or my consent. This unauthorized inquiry not only harmed my credit score but also violated my privacy rights as a consumer. 


Supporting Documentation I have attached the following for your review : A copy of my credit report with the unauthorized inquiry highlighted. 
Correspondence with [ Name of Creditor/Company ] ( if applicable ). 
Any additional evidence demonstrating the lack of authorization. 

Impact and Resolution The unauthorized inquiry has negatively impacted my credit score and financial standing. It is critical that this violation is addressed promptly to protect my rights under the FCRA. I trust the CFPB will take appropriate action to investigate and ensure the removal of this inquiry from my credit report. 

Thank you for your time and attention to this matter. I look forward to your response and resolution. 

Sincerely, XXXX 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 2025-01-08 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: LA

Complaint narrative:
Dear CFPB, I am filing a formal dispute against [ Name of Creditor/Company ] regarding the inaccurate reporting of late payments on my credit report. These errors violate my rights under 15 U.S.C. 1666 ( b ) and 15 U.S.C. 1637 ( a ) of the Truth in Lending Act ( TILA ).

Details of Dispute 1. Violation of 15 U.S.C. 1666 ( b ) Billing Error Resolution According to this statute, creditors must promptly investigate disputes regarding billing errors, including incorrect late payment charges. Despite my timely payments or resolved disputes, [ Name of Creditor/Company ] failed to properly investigate and continues to report inaccurate late payments to the credit reporting agencies.

2. Violation of 15 U.S.C. 1637 ( a ) Disclosure of Account Terms This statute requires creditors to provide clear and accurate disclosure of terms, including billing cycles, payment due dates, and late payment penalties. The late payment entries on my credit report are inconsistent with the account terms disclosed to me or with payments I made within the agreed timeframe.

Key Issues The reported late payments on [ specific dates ] are inaccurate or unjustified.

My payments were made on time, or I was not provided clear disclosure of due dates and penalties. 
The creditor has failed to investigate or correct the inaccuracies despite my efforts to dispute them. 

Requested Actions I respectfully request the CFPB to : 1. Investigate XXXX, XXXX, and Transunion for failing to resolve my billing dispute as required by 15 U.S.C. 1666 ( b ). 
2. Require the credit reporting agencies to remove the inaccurate late payments from my credit report. 
3. Ensure that XXXX, XXXX, Transunion complies with federal disclosure laws under 15 U.S.C. 1637 ( a ). 

Supporting Documentation Impact and Resolution The inaccurate late payment entries have unfairly harmed my credit score and financial standing. I trust the CFPB to address these violations, ensure the errors are corrected, and prevent further harm. 

Thank you for your time and assistance in resolving this matter. I look forward to your response and resolution. 

Sincerely, XXXX 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 2025-01-08 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: LA

Complaint narrative:
Dear CFPB, I am filing a formal dispute against [ Name of Creditor/Company ] regarding the inaccurate reporting of late payments on my credit report. These errors violate my rights under 15 U.S.C. 1666 ( b ) and 15 U.S.C. 1637 ( a ) of the Truth in Lending Act ( TILA ).

Details of Dispute 1. Violation of 15 U.S.C. 1666 ( b ) Billing Error Resolution According to this statute, creditors must promptly investigate disputes regarding billing errors, including incorrect late payment charges. Despite my timely payments or resolved disputes, [ Name of Creditor/Company ] failed to properly investigate and continues to report inaccurate late payments to the credit reporting agencies.

2. Violation of 15 U.S.C. 1637 ( a ) Disclosure of Account Terms This statute requires creditors to provide clear and accurate disclosure of terms, including billing cycles, payment due dates, and late payment penalties. The late payment entries on my credit report are inconsistent with the account terms disclosed to me or with payments I made within the agreed timeframe.

Key Issues The reported late payments on [ specific dates ] are inaccurate or unjustified.

My payments were made on time, or I was not provided clear disclosure of due dates and penalties.

The creditor has failed to investigate or correct the inaccuracies despite my efforts to dispute them. 

Requested Actions I respectfully request the CFPB to : 1. Investigate Equifax, XXXX, and XXXX for failing to resolve my billing dispute as required by 15 U.S.C. 1666 ( b ). 
2. Require the credit reporting agencies to remove the inaccurate late payments from my credit report. 
3. Ensure that Equifax, XXXX, XXXX complies with federal disclosure laws under 15 U.S.C. 1637 ( a ). 

Supporting Documentation Impact and Resolution The inaccurate late payment entries have unfairly harmed my credit score and financial standing. I trust the CFPB to address these violations, ensure the errors are corrected, and prevent further harm. 

Thank you for your time and assistance in resolving this matter. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: LA

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 XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
The company said I owe a loan from XXXX. I never applied for a loan or took out a loan from this company. They said they sent it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
I am listing 5 fraudulent Inquiries from my XXXX and XXXX credit Report. XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the listed inquiries do not belong to me and must be removed from my XXXX  and equifax credit report. i had a call with all companies and credit reporting agency and was adviced to fill identity theft for deletion i am requesting XXXX  and equifax to mark listed inquiries as fraudulent and remove them from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NJ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
Hello, I noticed an account that was reported to my credit reports that does not belong to me so I disputed the account to Experian and they do the same thing. They open up the dispute ( send notification ) then 10 minutes later say it's verified and updated. I have reason to believe that Experian is not properly investigating my dispute. I've done this three times and the same thing happened once again, Since they are not properly investigating my claim they need to delete the account from my credit report immediately. I have attached the paperwork I've mailed in along with proof of them opening and shutting the dispute the same day. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation