vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
Incorrect hard inquiries under 15 USC 16c-2 are damaging my credit ; remove these unauthorized entries.

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 2024-11-22 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: FL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
My credit report contains errors with late payments inconsistent with my record. Kindly update these discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: PA

Complaint narrative:
This issue is both shocking and upsettingI noticed unauthorized inquiries on my credit report today with no explanation. I tried refreshing my browser to rule out an error, but they didnt go away. I demand that the documents I sent be thoroughly examined immediately so I can put this stressful situation behind me.

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 2024-11-22 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: NY

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 2024-11-22 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: NY

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 explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
It has come to my attention my personal information has been exposed in several data breach 's. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. Due to my information being exposed. I have submitted a FTC complaint reporting the info I am not familiar with. In addition, I was a victim of Identity Theft. Someone had electric put into my name for over a year. The theft was started in the state of Michigan. 

Please find the attached copy of My ID, The FTC complaint, copies showing different data breaches my information being exposed in a national data breach. 

XXXX XXXX XXXX was another breach.

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 2024-11-22 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: MI

Complaint narrative:
On or around XXXX XX/XX/year>. Complainant submitted a detailed dispute notice through myequifax.com regarding false and misleading payment history regarding an XXXX XXXX XXXX XXXX ( " XXXX '' ) credit card account. Specifically XXXX identified a false and misleading payment rating for the month of XX/XX/year>, which was reported by Equifax as 30 days past-due. Complainant pointed out that no such payment was due in the month of XXXX due to a payment modification. Attached to complainant 's notice of dispute was an approval notice from XXXX that indicated the account had a payment deferral from XXXX XX/XX/year> through XXXX XX/XX/year>. Equifax communicated the notice of dispute and accompanying documentation to XXXX. On XXXX XX/XX/year>, Equifax returned the results of the dispute investigation, which continued to show the 30 day past-due payment rating. Equifax 's purported investigation took less than twenty-four ( XXXX ) hours making it unlikely that any substantive, reasonable investigation was conducted. On or around XXXX XX/XX/year> Complainant AGAIN filed an indirect dispute with Equifax ( CFPB XXXX ) regarding the inaccurate reporting for the NFCU account XXXX Included in the documentation for the dispute was approval for a temporary cessation in payments showing a past-due payment due-date of XX/XX/year> and no payments due until XX/XX/year>. Equifax returned the results of their reinvestigation on XXXX XX/XX/year>, stating " XXXX XXXX XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THE BALANCE OF THIS ITEM HAS BEEN UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, ADDITIONAL INFORMATION, ACCOUNT HISTORY ''. However the prior paying history continues to report a payment rating of 30 days past-due for XXXX or more months between XX/XX/year> and XX/XX/year>. Thus, Equifax has failed to conduct a reasonable reinvestigation as required under 1681i and has failed to ensure maximum possible accuracy in the information it reports regarding Complainant as required under 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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  The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly.

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated 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 explanation
Consumer complaint received 2024-11-22 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: NY

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Heres my account of what happened, based on the letter I submitted : I, XXXX XXXX, identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws that directly affected my credit report and personal information. These issues include : Willful Noncompliance with FCRA ( 616 ) : The credit reporting agencies failed to verify the accuracy of information submitted about me before reporting it. This negligence constitutes willful noncompliance, which can lead to civil liability of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights ( 603 ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt out of having my personal information shared. This omission violates my rights as a consumer under the FCRA.

Furnishing Inaccurate Information ( 623 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were added to my credit report without proper validation. This misrepresentation is not only deceptive but also undermines the integrity of my credit profile.

Violations Under the Fair Debt Collection Practices Act ( FDCPA ) : Debt collectors engaged in unfair and harassing practices by reporting unverifiable debts. Additionally, they contacted third-party credit reporting agencies claiming I owed debts without proper proof, which violates regulations that prohibit the disclosure of such information to third parties.

Reporting Late Payments Without Clarity : My credit report shows " late payments, '' but the criteria for what constitutes a late payment were not clearly defined, making this information both inaccurate and misleading.

Unauthorized Hard Inquiry ( 1681b ( a ) ( 2 ) ) : A hard inquiry from XXXX was placed on my report without my written consent, violating permissible purposes for accessing consumer reports. 

Errors in Personal Information : My credit report contains incorrect personal details, including addresses I have never lived at or no longer reside at. 

Given these issues, I demanded the following resolutions : Immediate deletion of incorrect addresses ( e.g., XXXX XXXX and XXXX XXXX XXXX XXXX ). 
Validation or removal of disputed debts ( e.g., XXXX  ) in accordance with 1692g, requiring proof of debt ownership and legal authority to collect. 
Removal of the unauthorized hard inquiry from XXXX. 
A comprehensive review and removal of all inaccurate or unverifiable accounts. 
These violations have caused me significant distress and undermined my financial stability. If not resolved promptly, I intend to pursue my rights under FCRA and FDCPA, including potential legal action for damages under 616.

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 2024-11-22 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: NM

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 2024-11-22 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: WI

Complaint narrative:
I went to a large event a few years ago. My wallet went missing with all my identification including my social security card, drivers license, and a credit card. I thought I may have misplaced it. When I got I realized it was gone but thought nothing of it thinking I may have over looked it and that it would pop up. I now realize someone stole it. 

There are 2 addresses I never lived on my on my Experian report XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX phone numbers that are not mine ( XXXX ) XXXX and ( XXXX ) XXXX An inquiry on my Experian and XXXX report from XXXX XXXX XXXX that I did not authorize Open sky card that I had no balance on was maxed out on {$200.00} added which leaves me {$700.00} balance that reflects on all 3 on my credit reports. 

It states on my XXXX report it states Im self employed

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im requesting your support to address this incorrect account reported on my credit report. It has harmed my reputation as a customer, and I need your help. This account should be removed, as it is inaccurately and negatively reported.

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 2024-11-22 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-22 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: FL

Complaint narrative:
I couldnt believe my eyes this morning when I saw incorrect accounts listed on my credit report. I routinely check my report, but this time, there were discrepancies that I couldnt explain. Thinking it might be a browser issue, I refreshed the page, but the inaccurate accounts were still there. I feel unsettled and am asking that the documents I provided be reviewed thoroughly to ensure this doesnt happen again.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-22 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: PA

Complaint narrative:
I was blindsided this morning when I discovered inaccurate accounts on my credit report, and Im at a loss to explain how this could happen. As part of my regular routine, I checked my report and was alarmed to see these discrepancies out of nowhere.

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 2024-11-22 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: GA

Complaint narrative:
My account with XXXXDEPT OF ED, XXXX XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH 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 my 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 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. 

XXXXDEPT OF ED, XXXX XXXX XXXXXXXX AND 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