vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian XXXX a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Already Made Before Due Date : The payments were made before the due date. I have provided bank statements and payment confirmation receipts that clearly show my payments were processed well before the due date and should not have been marked as late. 
Clerical Error at XXXX 's End : There was a clerical mistake where XXXX incorrectly reported my account as late, despite confirming that my payment was received on time. I have attached communication with XXXX acknowledging that the late reporting was due to a system error, and that the payment was processed correctly. 
Incorrect XXXX XXXX to XXXX Account : My account with XXXX was closed by the creditor, which further complicates the reporting of late payments after the closure. This account should not have reflected any late payments beyond the closure date, and I have attached the account closure confirmation from XXXX as evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 explanation
Consumer complaint received 2024-10-25 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: CT

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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:
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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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 under 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 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 2024-10-25 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: NM

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 under 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 2024-10-25 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-10-25 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: FL

Complaint narrative:
I am writing to dispute inaccuracies related to the balance and payments on my account number XXXX, under the account name XXXX XXXX 
The reported information does not match the actual transactions and contains significant errors. Under 15 U.S.C. XXXX ( b ), credit reports are required to be completely accurate, which is not the case here. 
The previous review was not properly conducted and inaccuracies remain ( Report # XXXX. Dated XX/XX/year>, and CFPB Complaint # 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 2024-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account with my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-10-25 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2024-10-25 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: AL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: CA

Complaint narrative:
The companies response is a clear example of them not doing enough research or validation. Near the end they state " No one has ever been arrested for the crime even though I state its fraudulent " If they reviewed the police report I sent in previous contacts via emailXXXX mail XXXX AND the FTC report XXXX if they actually conducted and investigation and contacted all parties, which they NEVER did. Not once did they contact the reporting police department to speak to the reporting XXXX to see what happened. Other companies did but not you guys? Oddly suspicious. 
It CLEARLY states in the police report, the finalized one that there is a warrant for his arrest. I know its hard to comprehend and understand, but usually there wont be an arrest when the person is on the run from the police. So. Once again, if you clearly did your research, youd know that there is an active case with an active warrant. But you guys dont look at supporting evidence did you? 
Then you state " that doesnt mean its not fraudulent just because they get no benefit ", but yet you dont state the supporting documents that I've submitted that prove its fraud. If you get out your desk chair and get to a phone and do actual research then maybe you guys wouldnt have wrote such an idiotic response that made no sense. 
It proves you didnt look at my supporting documents nor did you conduct adequte research. 
Everything you have said has been hearsay. Once again you mention its my personal email address. How do you know its my personal email? How do you know its not fraudulent? What led you to that conclusion? With absolutely no proof? So because the payments havent been disputed with a company that means its not fraudulent? Have you contacted the issuing bank to see who is the account owner for whoever made those payments? You didnt. 
Or that means like you said " It could be fraudulent " but you really dont know if it is or not. AND I think thats the funny part you guys have no real validation and this letter actually proves it so thank you for admitting you think it could be fraud with the proof you have, thats all I needed! And thank you for verifying you didnt read the police report / ftc report otherwise you'd know there was an active case and that IS mentioned. Once again, proves you didnt do adequte research. Shut case. XXXX be showing this to the credit lawyer I have an appointment with also so thank you and have a good day!

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 2024-10-25 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: CA

Complaint narrative:
The companies response is a clear example of them not doing enough research or validation. Near the end they state " No one has ever been arrested for the crime even though I state its fraudulent " If they reviewed the police report I sent in previous contacts via email/USPS mail XXXX AND the FTC report XXXX if they actually conducted and investigation and contacted all parties, which they NEVER did. Not once did they contact the reporting police department to speak to the reporting XXXX to see what happened. Other companies did but not you guys? Oddly suspicious. 
It CLEARLY states in the police report, the finalized one that there is a warrant for his arrest. I know its hard to comprehend and understand, but usually there wont be an arrest when the person is on the run from the police. So. Once again, if you clearly did your research, youd know that there is an active case with an active warrant. But you guys dont look at supporting evidence did you? 
Then you state " that doesnt mean its not fraudulent just because they get no benefit ", but yet you dont state the supporting documents that I've submitted that prove its fraud. If you get out your desk chair and get to a phone and do actual research then maybe you guys wouldnt have wrote such an idiotic response that made no sense. 
It proves you didnt look at my supporting documents nor did you conduct adequte research. 
Everything you have said has been hearsay. Once again you mention its my personal email address. How do you know its my personal email? How do you know its not fraudulent? What led you to that conclusion? With absolutely no proof? So because the payments havent been disputed with a company that means its not fraudulent? Have you contacted the issuing bank to see who is the account owner for whoever made those payments? You didnt. 
Or that means like you said " It could be fraudulent " but you really dont know if it is or not. AND I think thats the funny part you guys have no real validation and this letter actually proves it so thank you for admitting you think it could be fraud with the proof you have, thats all I needed! And thank you for verifying you didnt read the police report / ftc report otherwise you'd know there was an active case and that IS mentioned. Once again, proves you didnt do adequte research. Shut case. XXXX be showing this to the credit lawyer I have an appointment with also so thank you and have a good day!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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:
The companies response is a clear example of them not doing enough research or validation. Near the end they state " No one has ever been arrested for the crime even though I state its fraudulent " If they reviewed the police report I sent in previous contacts via email/USPS mail XXXX AND the FTC report XXXX if they actually conducted and investigation and contacted all parties, which they NEVER did. Not once did they contact the reporting police department to speak to the reporting XXXX to see what happened. Other companies did but not you guys? Oddly suspicious. 
It CLEARLY states in the police report, the finalized one that there is a warrant for his arrest. I know its hard to comprehend and understand, but usually there wont be an arrest when the person is on the run from the police. So. Once again, if you clearly did your research, youd know that there is an active case with an active warrant. But you guys dont look at supporting evidence did you? 
Then you state " that doesnt mean its not fraudulent just because they get no benefit ", but yet you dont state the supporting documents that I've submitted that prove its fraud. If you get out your desk chair and get to a phone and do actual research then maybe you guys wouldnt have wrote such an idiotic response that made no sense. 
It proves you didnt look at my supporting documents nor did you conduct adequte research. 
Everything you have said has been hearsay. Once again you mention its my personal email address. How do you know its my personal email? How do you know its not fraudulent? What led you to that conclusion? With absolutely no proof? So because the payments havent been disputed with a company that means its not fraudulent? Have you contacted the issuing bank to see who is the account owner for whoever made those payments? You didnt. 
Or that means like you said " It could be fraudulent " but you really dont know if it is or not. AND I think thats the funny part you guys have no real validation and this letter actually proves it so thank you for admitting you think it could be fraud with the proof you have, thats all I needed! And thank you for verifying you didnt read the police report / ftc report otherwise you'd know there was an active case and that XXXX mentioned. Once again, proves you didnt do adequte research. Shut case. XXXX be showing this to the credit lawyer I have an appointment with also so thank you and have a good day!

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 2024-10-25 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: MN

Complaint narrative:
I've reviewed my credit report and noticed several billing inaccuracies. These late payments don't reflect my typical payment pattern. Please update my account to correct these issues.

Company response to consumer: Closed with explanation