vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: IL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Experian, a consumer credit reporting agency, for failing to respond adequately to my repeated requests for the verification of several items on my credit report. Despite sending XXXX written requests to Experian, I have not received the required documentation or a satisfactory response regarding the verification of the disputed items. 

According to the Fair Credit Reporting Act ( FCRA ), Experian is obligated to provide original creditor documentation to verify that the information on my credit report is accurate and belongs to me. However, Experian has failed to comply with the requirements under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) by not providing any original documentation with my signature. Furthermore, Experian has not provided the method of verification as required under Section 611 ( a ) ( 7 ). 

I have outlined the disputed accounts in my previous correspondence with Experian : XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX : Account number : XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX  XXXX ) : Account number : XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX XXXX XXXXXXXX : Account number : XXXX XXXX XXXX ( Original XXXX XXXX ) : Account number : XXXX XXXX | XX/XX/year> : Inquiry XXXX XXXX ( Original XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) : Account number : XXXX Experian 's failure to provide the required documentation or to delete the unverifiable information from my credit report is a clear violation of the FCRA. Under Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to promptly delete all information that can not be verified. I have also informed Experian of my intention to pursue litigation if my rights under the FCRA are not upheld. 

Given the lack of response from Experian, I am seeking assistance from the CFPB to resolve this matter. I request that the CFPB intervene to ensure that Experian complies with federal law and either verifies the disputed items with the appropriate documentation or deletes the unverifiable information from my credit report. 

Please find attached copies of my correspondence with Experian for your reference. 

Thank you for your assistance in this matter. I look forward to your prompt response. 

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 2024-07-09 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX, XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in months that are reported late to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX  XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: FL

Complaint narrative:
I accordance with The Fair Credit Report act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under USC1681. XXXX XXXX XXXX  XXXX Acct XXXX Balance XXXXpast due XXXX Acct XXXX XXXX Acct # XXXX Balance XXXX Past due XXXX Acct XXXX XXXX Acct # XXXX Balance XXXX past due XXXX Acct XXXX XXXX  XXXX Acct # XXXX Acct XXXX XXXX XXXX Acct # XXXX Balance XXXX Acct XXXX XXXX XXXX Acct XXXX Closed XXXX Balance Acct XXXX XXXX Acct # XXXX Balance XXXX Acct XXXX Acct # XXXX Balance XXXX Has violated my rights. 
I looked at my XXXX credit report on XXXX XXXX2024 and noticed some things incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ). And they are supposed to do this ( 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 reinvestigation ; and ( ii ) promptly notify the furnisher of that information has been deleted from the file of the consumer and according to 15 USC 1681s- 2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate XXXX XXXX XXXXXXXX  XXXX delete from my credit file Acct XXXX XXXX due XXXX Acct XXXX XXXX delete from my credit file Balance Acct # XXXX Balance XXXX Past due XXXX Acct XXXX XXXX delete from my credit file Balance Acct # XXXX delete from my credit file Balance Balance XXXX past due XXXX Acct XXXX XXXX XXXX delete from my credit file Balance Acct # XXXX Acct XXXX XXXX XXXX  Acct # delete from my credit file Balance XXXX Balance XXXX Acct XXXX XXXX XXXX Acct XXXX delete from my credit file Balance Closed XXXX Balance Acct XXXX XXXX Acct # delete from my credit file Balance XXXX Balance XXXX Acct XXXX Acct # XXXX Balance XXXX Acct XXXX XXXX Acct # XXXX Past due XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: GA

Complaint narrative:
Subject : Credit Report Discrepancies and Fraudulent Activity I am writing to formally dispute several inaccuracies on my credit report that require immediate attention and resolution. 

Recently, I have identified multiple items on my credit report that are erroneous and do not pertain to my financial history. These discrepancies have arisen due to fraudulent activities where my personal information was compromised. Attached to this correspondence are documents substantiating my claims, including police reports and official letters from the XXXX XXXXXXXX XXXX XXXX confirming my status as a victim of identity theft and data breaches. As a result, the items listed below should not be associated with my credit report : - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Supporting deletion letter attached ) - XXXX XXXX XXXX Based on the supporting documentation provided, I request that these erroneous entries be promptly deleted from my credit file. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. Please inform me of the steps being taken to investigate and correct these discrepancies as per the Fair Credit Reporting Act. 

Thank you for your prompt assistance. 

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 explanation
Consumer complaint received 2024-07-09 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: TX

Complaint narrative:
Experian investigation on XX/XX/XXXX did not fix the blatant reporting errors from XXXX on my report despite me sending numerous proofs of my XXXX and XX/XX/XXXX payments to XXXX. XXXX has repeatedly misrepresented and falsely reported payment history. Information on my account with them to XXXX credit bureau experial entrancing credit bureau multiple times over the last twenty seven months. XXXX is engaging, and this deceptive credit practices in violation with FDCPA and is deliberately sabotaging my credit score blatantly misrepresenting current payments as late progress made with positive reporting of my payment history. It has repeatedly reported changes to payments received in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Please investigate XXXX credit reporting practice as they are deliberately causing irreparable harm to my credit. Furthermore the payments on XXXX website were on time and in deferment.

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 2024-07-09 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: TX

Complaint narrative:
Experian investigation on XX/XX/XXXX did not fix the blatant reporting errors from XXXX on my report despite me sending numerous proofs of my XXXX and XX/XX/XXXX payments to XXXX. XXXX has repeatedly misrepresented and falsely reported payment history. Information on my account with them to XXXX credit bureau experial entrancing credit bureau multiple times over the last twenty seven months. XXXX is engaging, and this deceptive credit practices in violation with FDCPA and is deliberately sabotaging my credit score blatantly misrepresenting current payments as late progress made with positive reporting of my payment history. It has repeatedly reported changes to payments received in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Please investigate XXXX credit reporting practice as they are deliberately causing irreparable harm to my credit. Furthermore the payments on XXXX website were on time and in deferment.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Called Experian on Tuesday XXXX Talked to XXXX at XXXX XXXX XXXX. When I ask to spell her name, she said " I guess I will spell it the correct way. '' XXXX The whole time she was aggressive from the beginning to the end. I ask her to remove another social security number, she had on file, that was not mine, then I told her to update my current address. I then ask her to remove all old addresses, that I no longer live in. She then stated, " That it's Experian policy not to remove any old addresses. '' So, I ask could Experian send me a copy of this so call policy. 
As know this is a straight violation of the FCRA. When I ask for a manager, she said it was not one in the building. I then ask her to send me to escalation, " She said that it was a que in line '' I told her I would wait, " she said she could not transfer me. '' She kept on going back and forth. These practices that Experian, is using are unacceptable and consumers need to go and get proper educated on their rights and seek out the right help.

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 2024-07-09 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: AR

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX Employer - XXXX XXXX XXXX XXXX  Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-09 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: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: AR

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-07-09 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:
I will keep on REWRITING to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-07-09 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation