vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: OH

Complaint narrative:
TransUnion, Experian and Equifax all are under reporting my credit history all 3 have eliminate important documents that would make my credit history more accurate average age of my account years of credit history aren't being reported correct therefore I'm continually told my credit file is too thin and my credit history is too new which is positively not true this has me consistently getting denied for credit, paying higher interest and insurance rates than i should due to their negligence i have over 25 years of great payment history which is missing by all 3-credit bureaus c in addition to the account 's attached i also have a paid off student loan from direct loan XXXX XXXX  XXXX which was open XX/XX/XXXX in the amount of {$11000.00} and paid off XX/XX/XXXX a loan from XXXX XXXX XXXX account XXXX XXXX which was opened XX/XX/XXXX and paid the following year last but not least i was a affected by XXXX and XXXX a victim of fraud. which caused XXXX credit cards to get closed down XXXX account # XXXX whose balance was {$7500.00} opened XX/XX/XXXX XXXX bank account XXXX XXXX credit limit was {$8600.00} opened XX/XX/XXXX capital XXXX account # XXXX credit limit was {$7000.00} opened XX/XX/XXXX synchrony XXXX account # XXXX {$7000.00} credit limits XXXX XXXX XXXX XXXX credit limit was {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: OH

Complaint narrative:
TransUnion, Experian and Equifax all are under reporting my credit history all 3 have eliminate important documents that would make my credit history more accurate average age of my account years of credit history aren't being reported correct therefore I'm continually told my credit file is too thin and my credit history is too new which is positively not true this has me consistently getting denied for credit, paying higher interest and insurance rates than i should due to their negligence i have over 25 years of great payment history which is missing by all 3-credit bureaus c in addition to the account 's attached i also have a paid off student loan from direct loan XXXX XXXX  XXXX which was open XX/XX/XXXX in the amount of {$11000.00} and paid off XX/XX/XXXX a loan from XXXX XXXX XXXX account XXXX XXXX which was opened XX/XX/XXXX and paid the following year last but not least i was a affected by XXXX and XXXX a victim of fraud. which caused XXXX credit cards to get closed down XXXX account # XXXX whose balance was {$7500.00} opened XX/XX/XXXX XXXX bank account XXXX XXXX credit limit was {$8600.00} opened XX/XX/XXXX capital XXXX account # XXXX credit limit was {$7000.00} opened XX/XX/XXXX synchrony XXXX account # XXXX {$7000.00} credit limits XXXX XXXX XXXX XXXX credit limit was {$3000.00}

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding persistent inaccuracies in my credit report Specifically, the phone number listed on my credit report is outdated and incorrect, which has caused difficulty resolving identity verification issues with potential credit lenders The phone number currently listed on my credit report is XXXX ( incorrect phone number ). 



My correct, current phone number is XXXX ( correct phone number ) Under **15 U.S.C. 1681e ( b ) **, credit bureaus must follow " reasonable procedures to assure maximum possible accuracy '' of consumer report information. An outdated phone number violates this requirement, as it prevents lenders and other authorized parties from contacting me to verify or resolve credit-related matters.

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 2025-02-03 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: MARINER FINANCE, LLC
State: SC

Complaint narrative:
Mariner finance and XXXX XXXX allowed individual ( s ) # to open an account ( s ) without providing authentic identification documents proving that this debt is issued to the correct person ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MS

Complaint narrative:
Experian was just sued for conducting sham investigations, yet they continue violating the FCRA and Metro 2 compliance standards by reporting false, unverifiable, and incomplete information on my credit report. Despite multiple certified dispute letters, they have failed to conduct a proper reinvestigation, verify the accuracy of disputed accounts, or remove illegal reporting. 

Experian is illegally re-aging a charge-off from XXXX XXXX XXXX XXXX XXXX  ), falsely reporting a bankruptcy with no linked accounts, and failing to correct inconsistent late payment histories on XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  ). These accounts violate Metro 2 standards for accuracy, integrity, completeness, timeliness, and formatting.

Additionally, Experian is reporting unauthorized hard inquiries that lack a permissible purpose under FCRA 604 ( a ). If Experian can not provide signed documentation proving I authorized these inquiries, they must be permanently deleted.

Experians failure to comply with federal law is damaging my credit and restricting my access to financial opportunities. They must correct these violations immediately or face further action.

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 2025-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
The account is charged off with a past due balance that is different from the charged off amount. Not only is this inaccurate information, I was also never sent a 1099C form as required by law for the written off debt to be counted as income.This debt is considered a charge off however this is actually considered income because I should have received a 1099C in order to account for this. I'm requesting that this account be removed because it is income and income is nit included on credit 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX {$580.00} disputed over 10 times XX/XX/XXXX {$250.00} disputed over 10 times

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 2025-02-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
The account is charged off with a past due balance that was written off. Not only is this inaccurate information, I was also never sent a 1099C form as required by law for the written off debt to be counted as income.This debt is considered a charge off however this is actually considered income because I should have received a 1099C in order to account for this. I'm requesting that this account be removed because it is income and income is nit included on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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 am a victim of identity theft and have been in the process of trying to get my consumer report clear from everything that was added due to me being involved in several data breaches and haven my identity stolen. The below mentioned account does not belong to me XXXX XXXX XXXX account # XXXX balance of {$42000.00} XXXX XXXX account # XXXX  Balance of {$18000.00} Dept of ED/XXXX account # XXXX Balance of {$13000.00} Dept of EDXXXX XXXX account # XXXX of {$8700.00}

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have been in the process of trying to get my consumer report clear from everything that was added due to me being involved in several data breaches and haven my identity stolen. The below mentioned account does not belong to me XXXX XXXX XXXX account # XXXX balance of {$42000.00} XXXX XXXX account # XXXX  Balance of {$18000.00} Dept of ED/XXXX account # XXXX Balance of {$13000.00} Dept of EDXXXX XXXX account # XXXX of {$8700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
I have a plethora of inquiries that I did not initiate or authorize. 
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), 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 whom the report relates ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of 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 that the information has been modified or deleted from the file of the consumer.

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
In XX/XX/year> my city and my zip code ( XXXXXXXX XXXX XXXXXXXX ) were severely impacted by Hurricane Beryl. My property was damaged with the roof partially lost, the windows and glasses broken, the electric power lost for multiples days and my electric equipment damaged. To prioritize the safety of my family, we moved to a shelter, filed and were approved for FEMA assistance. At the same time, I contacted our mortgage company ( Rocket Mortgage ) and filed for Disaster Forbearance which they approved ( see attached correspondence from both Rocket mortgage and FEMA in XX/XX/year> ). We are still in forbearance while saving to get our house repaired. To my surprise, I recently discovered that the credit bureau is reporting a 30-day late payment for XX/XX/year> while our mortgage was and still to date in forbearance. I contacted Rocket Mortgage and the credit bureau and requested that account to be updated to its accurate status either 'IN Forbearance '' or " Paid AS Agreed ''. More than 90 days after my request, the account is still showing a 30-day late payment. This incorrect information has damaged my ability to access credit to repair and return in my house. The credit bureau is blatantly in violation of my right according to the law : - 15 U.S. code & 1681a - Definitions ; rules of construction I U.S. code I US Law I LII - 15 U. S. code & 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

- 15 USC & 1681a 2 ( A ) ( I ) -- Exclusions - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My Citibank account was closed due to debt forgiveness. Citibank is required to issue me a 1099-C form so I can file it with my annual taxes. Despite numerous phone calls to Citibank, they have refused to send me the 1099-C. Please assist me in obtaining this necessary tax form from Citibank.

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 2025-02-03 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:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: TN

Complaint narrative:
Ive submitted two cases through this portal and two letters certified mail to Experian. About these unverified inquiries, the individual companies nor Experian have provided me any proof that I initiated these inquiries in any shape or form. The reason being because I did not do so, I have not given anyone permission to do so in writing or in any other manner. They have violated the Fair Credit Reported Act. At this point I'm in the process of taking law action and I would need to be compensated for my time, physical and mental anguish ruffly {$5000.00}. They have broken the law and have taken advantage of me. Below are the following codes under the Fair Credit Reporting Act that have been broken/violated. I'n not sure why they are aloud to violate the law and codes under FCRA XXXX Please take the time to review all information, attached is copy of XXXX of the letters sent as well as the certified tracking for it. Thank you Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy of the information they report. If they fail to do so and dont correct the mistake after youve disputed it, you can take legal action. ( Unverified/Illegal use of my information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Statutory damages : If you take legal action under the FCRA and can prove a violation, you could be awarded statutory damages. These can range from {$100.00} to {$1000.00} per violation, regardless of actual damages According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 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.

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