vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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: GA

Complaint narrative:
I've attached a few of my previous disputes. The investigations have not been done properly or in a timely manner. There is a dispute from XX/XX/XXXX that has still not been resolved. I asked for proper investigations and made it clear that eOscar is not an appropriate method of completing the XXXX. The errors remain, continuing to make my consumer reports have multiple errors and not be uniform across the board. I have a standing cease and desist with the creditor ; however, it has been acknowledged and ignored. Incorrect Balance/Status Reporting : The reported balance/status remains inaccurate which is misleading and violates 15 USC 1681s-2. In addition, the account was updated in one report dated XX/XX/XXXX to " discharged in bankruptcy in XXXX '' when the disputed bankruptcy on my consumer report shows it was filed in XXXX. This is clear that the creditor is being deceptive in reporting and further proves Experian took XXXX days the allow XXXX to review and verify this information. The account can't be XXXX in bankruptcy, and then be updated to paid and closed. This constitutes a clear violation of XXXX XXXX XXXX ( b ), necessitating its removal. Initially, I was demanding the removal of the unverified late payments. Now I'm demanding the account be removed from my consumer report immediately for gross, willful continuation of reporting unverified, unlawful, false, and inaccurate information. This constitutes fraud on Experian 's behalf. I've attached proof. 
I'm not sure what to do next other than arbitration/litigation. 
What can be done by the Consumer Financial Protection Bureau to assist?

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 2024-12-16 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: CT

Complaint narrative:
In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXX/XX/XXXX XXXX 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 funish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, others than records of convictions of crimes which antedates the report by more than seven years. 15 U.C.S 1681s-2 ( A ) ( 1 ) A person shall not funish 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 innacurate.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fradulent account.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have called and spoke to numerous reps at XXXX XXXX since XXXX XXXX. I've been repeatedly told they would close and remove the authorized user account from my credit. They also confirmed they spoke to the card holder who also requested I be removed from the account. They removed it from XXXX XXXX and XXXX but it still reflects on Equifax thereby affecting my credit score due to her outstanding balance. The account still shows open with a XXXX XXXXXXXX balance due. I don't have a card on this account, have requested they remove it and remove her XXXX, UT address from my credit. The card holder asked them at the beginning of XXXX to do this, they told me when I called it takes 60 days. XXXX  months later I'm having to dispute the same problem, their failure to remove the authorized account from my credit and close it. I don't know if they're confused or what the situation is but this is not my account, I want it closed and removed from my credit ASAP as the card holder, and I have requested numerous times. If it is still on my credit when I run my report on XX/XX/XXXX, I will proceed with suing them and refuse to settle! I'm tired of them lying about the dispute, yet doing nothing to resolve this. I have not spoken to the card holder since, when I do I will let her know she needs to get on top of this. However I don't think I will hear from her. She's not very good at keeping in touch. I've been fighting this on my own since XXXX with no follow up from the card holder or XXXX XXXX! I'm sick of this account affecting my FICO and am willing to sue!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: NJ

Complaint narrative:
Fraudulent account on my credit report 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 2024-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-12-16 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: NJ

Complaint narrative:
" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) 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 2024-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
I submitted my payment for both my first and second mortgages on their website. Today I took screen shots of my confirmation codes because in XXXX I did the same thing but XXXX payment was never applied and I was charged a late fee. Today after I took the screen shots I checked the pending payments tab and my second mortgage was not showing the payment pending that I had just submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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 have a 12 year Conventional Mortgage through XXXX Bank, XXXX, NY that was to be paid up in XXXX, XXXX. I have made additional principle payments during the year so I could pay it of in XXXX, XXXX. It showed in XX/XX/XXXX that I owed approximately {$4600.00} on the mortgage, so I paid {$2300.00} in XX/XX/XXXX and figured to pay the balance off in XX/XX/XXXX. I received a notice from XXXX Bank showing I had a short pay on my mortgage payment for that month for approximately {$300.00}. I contacted XXXX Bank about it and spoke to a gentleman in the mortgage department and I explained that i would pay the balance in XX/XX/XXXX and he told me that that would be OK. So I did not make the small payment. Now, I received a notice from the Credit Report that my excellent credit of XXXX was brought down to XXXX. After 12 years of payments, the final XXXX payments caused the problem. I have contacted XXXX Bank and they told me the only way I can get this removed is to do this complaint and when it gets back to them, they will take care of it. so this is it!

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 2024-12-16 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: SC

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 explanation
Consumer complaint received 2024-12-16 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:
Update my address, My name is incorrect on my credit report and is affecting my credit can you please take that off or updated I will upload a link in the file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Update my address, My name is incorrect on my credit report and is affecting my credit can you please take that off or updated I will upload a link in the file

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 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Previous reports on CFBP of claim I submitted to have my dispute reversed ended up retaliating against me from capital one which is highly a violation under XXXX XXXX XXXX Reform and Consumer Protection Act ( XXXX ) Relevant Section : Title X, Section XXXX ( a ) ( 1 ) This section makes it illegal for financial institutions to engage in any " unfair, deceptive, or abusive acts or practices '' ( UDAAP ). And Relevant Section : 15 U.S. Code 1691 ( a ) ( 3 ) The ECOA prohibits financial institutions from discriminating against consumers for exercising their rights under any federal law. 

This is unacceptable and not right. To where after XX/XX/XXXX of me filing on here they did a internal and decided to close because of the complaint I did and I have the email stating on top I fought hard in my disputes and had companies working with me refunding me and capital one is refusing to acknowledge and being unfair business who should be highly fined for this discrimination and nastiness business attitude towards consumers considering my accounts been good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: PA

Complaint narrative:
I am writing to formally report that I am a victim of a data breach. As a result, my personal information has been compromised and used without my authorization, leading to the fraudulent accounts listed below appearing on my credit report. I respectfully request that these accounts be blocked and permanently deleted from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$25000.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$20000.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally report that I am a victim of a data breach. As a result, my personal information has been compromised and used without my authorization, leading to the fraudulent accounts listed below appearing on my credit report. I respectfully request that these accounts be blocked and permanently deleted from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$25000.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$20000.00XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00}

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 2024-12-16 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: GA

Complaint narrative:
Dear Transunion bureau : I am writing for the third time to formally dispute these items on my credit report that appears to contain inaccurate information. The account in question is a charge-off and belongs to someone else reported by XXXX XXXX and XXXX XXXX XXXX , with these hard inquires : XXXX XXXX XXXX  and XXXX XXXX XXXX. The discrepancies are related to the date of last activity reported by each credit bureau, which are as follows : XXXX : Removed XX/XX/year> XXXX : Removed XX/XX/year> Please follow the 15 US Code 1601, 15 US Code 1692c and 15 US Code 1602p laws for removal.

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 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am a customer/consumer of the financial institution Barclays and its subsidiaries/parents/affiliates/etc. 

Title 15 U.S. Code 6801 states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, and that the financial institution shall protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Barclays is a financial institution by definition in this Title, and its failure to abide by privacy laws has both harmed and inconvenienced me.

I provided opt out instructions to Barclays in XXXX XXXX via the online messaging center in my accounts portal. My instructions were not complied with, as evidenced by Attachments 1, 2, and 3, which are consumer reports showing my account information furnished after my opt out notice. Barclays continued to report my personal information after receiving my opt out notice, which violated consumer privacy laws.

Additionally, instructions were provided through the messaging system because no reasonable means to opt out was provided as required by Title 15 U.S. Code 6802 which states, ... a financial institution may notdisclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided the consumer a notice that complies with section 6803 of this title. Barclays never provided a REASONABLE means to opt out that was CLEAR, CONSPICUOUS, COMPREHENSIBLE, SUCCINCT, and OTHERWISE REQUIRED by 15 U.S. Code 6802, 6803, and 12 CFR 1016.7.

12 CFR 1016.7 ( h ) states, " A consumer may exercise the right to opt out at any time. I am now elaborating on my original instruction to eliminate ambiguity. Barclays does not have my consent to, and shall not, report, share, sell, give, or otherwise transfer my nonpublic personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: OH

Complaint narrative:
I am filing this complaint regarding unauthorized hard inquiries appearing on my credit report managed by Experian. These inquiries were made without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 
The specific hard inquiries in question are : XXXX XXXX XXXXnquired on XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were performed without my explicit authorization, which is required under federal law for hard inquiries to appear on a consumer credit report.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 : The entities accessing my credit report failed to protect my financial information and ensure that proper authorization was obtained, violating my privacy rights. 

XXXX Obligations Under FCRA 611 : I requested Experian investigate and remove these unauthorized inquiries from my report. To date, they have not provided adequate resolution or evidence to validate these inquiries.

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 2024-12-16 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: OH

Complaint narrative:
I am filing this complaint regarding unauthorized hard inquiries appearing on my credit report managed by Experian. These inquiries were made without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 
The specific hard inquiries in question are : XXXX CO Inquired on XX/XX/2024 XXXX XXXX XXXX CO Inquired XXXX XX/XX/2024 Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were performed without my explicit authorization, which is required under federal law for hard inquiries to appear on a consumer credit report.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 : The entities accessing my credit report failed to protect my financial information and ensure that proper authorization was obtained, violating my privacy rights. 

XXXX Obligations Under FCRA 611 : I requested Experian investigate and remove these unauthorized inquiries from my report. To date, they have not provided adequate resolution or evidence to validate these inquiries.

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