vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00}.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
Dear XXXX, I am writing to let you know about my concern about an ongoing issue related to our credit account. We had previously received a letter confirming that the problem had been resolved, and the information was updated in the three major credit bureaus. However, we were later informed that the account needed further correction. 

The issue is that while we had the account open, it was accessed and altered without our knowledge. Due to our health conditions, my husband and I were hospitalized with XXXX and couldn't monitor the account. Our friends and family made monthly payments without checking the account details. Although we fully resolved the issue through back-and-forth communication, we were recently invited by the CFPB and FTC to continue the process until it is entirely resolved. 

We both discovered that the account was compromised, and we closed it and paid the outstanding amount using linked accounts. It has been a nightmare for us, especially since we are a XXXX XXXX XXXX that relies on the account 's stability. We have been back and forth with this issue, and it's now outside the allowable period for discovery. The accounts should be wiped clean, and new cards should be issued immediately. 

Text messages and links were sent previously, and I thought you had all the necessary details since they were included in the original police report. I appreciate your hard work and time on this, given the current understaffing and overloading workload. I want to request that you continue to help me resolve this issue, as I have been passed around and forced to start from scratch each time. We can go ahead and resolve this matter entirely before the year ends. 

Thank you so much for your help. 

Best regards, XXXX and XXXX XXXX From : XXXX XXXX XXXX Discover Financial Services XXXX Sent : Wednesday, XX/XX/2023 XXXX p.m. 
To : XXXX XXXX Subject : Consumer Financial Protection Bureau ( CFPB ) XXXX Dear XXXX XXXX, Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are adequately addressed, your inquiry has been forwarded to my attention within the XXXX XXXX XXXX XXXX XXXX at Discover. 



I'm currently looking into your concerns. I will send a detailed response to you when I finish my investigation. 



If you have any questions or want additional information, please contact me at ( XXXX ) XXXX. I am typically available XXXX, XXXX XXXX XXXX. XXXX. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive taken a look at my credit report recently and noticed accounts reporting that I do not recognize or have never had contracts with

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Opt-Out Request per FCRA Dear Credit Bureaus I hope this letter finds you well. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am writing to formally exercise my right to opt-out of any and all authorization that may have been granted to XXXX XXXX XXXXXXXX XXXX. This opt-out includes any permissions, whether written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 . 

I appreciate your prompt attention to this matter and confirmation of the successful implementation of my opt-out request. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, 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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 .S. 81 ser hase i. States 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.

15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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 16815-2 ( A ) ( a ) 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.

Delete the accounts below. 

DELETE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-20 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: GA

Complaint narrative:
I am the XXXXXXXX  on 5 student loans for my daughter that were reported on my credit report by XXXX XXXX as 30 days past due on XX/XX/XXXX. 

The loans have been in in-school deferment as of Fall XXXX. My daughter 's graduation date is scheduled for XX/XX/XXXX. XXXX XXXX had an incorrect graduation date that showed her graduating in XX/XX/XXXX. The school subsequently sent documentation to XXXX showing her IN SCHOOL in XXXX  and a graduation date of XX/XX/XXXX, with no lapse of enrollment. 

I requested that XXXX XXXX reverse the credit reporting of a 30 day past due because the document from the school verified her enrollment at the time of the reporting. I was told by TWO customer service representatives, on two separate occasions, that I had to file a dispute with the credit bureaus to have the reporting removed. However, when I filed the dispute with the credit bureaus, XXXX XXXX did not reverse the past due reporting. Instead, XXXX XXXX verified that the past due reporting was correct. 

I am disputing this reporting for two main reasons ; 1. The letter of verification from the school explicitly states she was in school from XXXX to XX/XX/XXXX. There was no lapse in her in-school enrollment, and therefore no legal reason to remove her in-school deferment, and therefore no payment was due. The negative reporting by XXXX is illegal and an egregious abuse of power, since the consumer can not change any reporting made to the credit bureaus. The written verification from the school was sufficient to warrant a reversal of the late payment reporting. 

2. As a XXXX, I should have been notified in writing of the pending past due payments. However, I did not receive any written notification. I learned of the past due reporting from the credit bureaus. Legally, I am entitled to written notification. Upon reviewing the account online, I noticed that XXXX XXXX had changed my address to a Washington address, without my knowledge or consent. I do not live in Washington and did not request or authorize a change of address. 

3. I have made several calls to XXXX XXXX about this matter. Overall, the representatives are inept, show no concern for the customer 's plight, and merely regurgitate company jargon without exercising any critical thinking skills or problem resolution effort.

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 2023-12-20 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: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$2800.00} ; XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00}.

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 2023-12-20 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing a complaint against Transunion in regards to their previous investigation on my consumer report. Lately I have noticed several accounts thats reporting to my consumer report in which i am unaware of who these creditors are and how they got my personal information. After asking Transunion to investigate these accounts they replied " verified '' in which these accounts don't even belong to me. The creditors reporting never had my consent to purchase my personal information nor did they have permission to report this to any credit reporting agency. I am aware that I have a right to privacy in which I believe my right was violated. After asking them to very this account they never provided any documentation, agreements or signatures that have my approval. It is their duty to do what's fair and equitable to their consumers in which this isn't fair. Any information that's either inaccurate or non verifiable should be removed from my consumer report immediately. 

Violations committed by Transunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX and myself have settled the debt. I have a signed pay for deletion letter that was honored by XXXX and XXXX ( Both credit Bureaus have removed this account XXXX XXXX Account Number # XXXX I would like this account removed as it is not accurate and has been settled for removal over 4 years ago. Please see payment agreement letter and recent credit report. 

My rights have also been violated due to Equifax not providing validation of the account and showing the in accuracies..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XX/XX/XXXX ; XXXX - XXXX XX/XX/XXXX ; XXXX - XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It is not only irritating but deeply troubling that such a fundamental aspect of my financial history has been misreported, potentially affecting my ability to secure favorable terms for future financial transactions. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The sheer number of inaccuracies is not only irritating but also unacceptable, as it has a severe and unwarranted impact on my creditworthiness. 
WELLS FARGO CARD SER XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
A comprehensive review of the procedures in place to ensure the accuracy of credit reporting to prevent such errors in the future. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect your bureau to adhere to the highest standards of accuracy and diligence. The continued presence of these inaccuracies is not only an inconvenience but also a violation of my rights as a consumer.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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