vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: OH

Complaint narrative:
I have just obtained a copy of my credit report and noticed the following errors. 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not have a contract with this company. Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. 

2 ) XXXX XXXX XXXX XXXX XXXXXXXX, This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation. I have attached documentation as from the fraudulent collection response STATING TO HAVE THIS DELETED!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: OH

Complaint narrative:
I have just obtained a copy of my credit report and noticed the following errors. 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not have a contract with this company. Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. 

2 ) XXXX XXXX XXXX XXXX XXXXXXXX, This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation. I have attached documentation as from the fraudulent collection response STATING TO HAVE THIS DELETED!

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 2024-06-11 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: TX

Complaint narrative:
I saw some unfamiliar collections on my credit report which have caused some detrimental situations in my life and negative effects to my credit report

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 2024-06-11 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: MI

Complaint narrative:
FRAUDULENT INQUIRIES ON MY CREDIT REPORT I DID NOT CONSENT OR AUTHORIZE SOMEONE USED MY IDENTITY REMOVE THESE AS SOON AS POSSIBLE XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX Phone number ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXXXXXX  Phone number By mail only XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, DEXXXX Phone number 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 non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX - XX/XX/XXXX the account was resolved through emails and telephone payments made. Customer service and the credit department agreed not to send the account to collections with a payment of {$280.00} in addition to the {$37.00} which had already been made online. After reviewing my credit report, the account has been sent to collection anyway regardless of the payment agreement and should not have.

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 2024-06-11 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: MO

Complaint narrative:
XX/XX/year> I called equifax and XXXX they told me XXXX XXXX the furnisher told them they didnt send those inquiries out. XXXX nor equifax deleted the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: SC

Complaint narrative:
Re : CFPB Complaint XXXX XXXX  - Experian Declined to Block Information per FCRA 605B Dear CFPB : I am writing in regard to my previous complaint ( CFPB # XXXX ) against Experian for violations of the Fair Credit Reporting Act. In that complaint, I explicitly requested, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block the reporting of the following contested items in my credit file : A personal credit card account was opened at XXXX on XX/XX/XXXX, under account number ( XXXX ), a mortgage loan account was opened at XXXX XXXX on XX/XX/XXXX, under account number ( XXXX ), and 2 student loan accounts were opened at Dept of Ed on XX/XX/XXXX and under the account number ( XXXX ). 

As required by FCRA 605B, I made this blocking request in writing and identified the specific items to be blocked from my file. The CFPB forwarded my request to Experian. 

However, Experian improperly declined my request to block this information. In their response dated XX/XX/XXXX, Experian stated : " your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. ". They also asked for additional information that was already included in my original complaint.

By refusing to block the identified items as I requested under FCRA 605B, Experian is violating federal law. As the enforcement agency, I am requesting that the CFPB take action to compel Experian to immediately block the reporting of the contested items listed above from my credit file. 

Experian had a legal obligation to block this information from my file within 4 business days of receiving my request forwarded from the CFPB. Their refusal to do so constitutes separate violations under the FCRA in addition to the original issues I raised.

I appreciate the CFPB 's assistance in enforcing my rights and ensuring Experian complies with FCRA 605B. Please let me know if you require any additional information from me. I look forward to your response.

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 2024-06-11 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I called XXXX to help me remove a Wells Fargo Secured Credit Card account ( opened on XX/XX/XXXX ) that was negatively impacting my credit score. This was on the basis that I already paid off that account and that there was no reason that that account would continue to negatively impact my credit score. 

After about 11 days, I received an email from XXXX stating that the dispute has been resolved, only to find out that the account that they removed on my behalf was the wrong Wells Fargo Secured Credit Card, opened on XX/XX/XXXX, instead of the one opened on XX/XX/XXXX. 

Now, my credit score has dropped XXXX points apparently because of this mistake by XXXX. XXXX advised me to call Wells Fargo ( XXXX ), which I did. Unfortunately, a customer service representative from Wells Fargo told me that they could not reinstate reporting this XXXX account back. 

This is so confusing as a consumer. On the one hand, XXXX advised that I should call Wells Fargo because they are the only ones who could reinstate the reporting of that XXXX account back. On the other hand, Wells Fargo is saying that they could not do this. 

Please help me because I really need a fair and honest credit score right now.

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 2024-06-11 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: SC

Complaint narrative:
My account with ( XXXX, 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 ( MONTHS REPORTING LATE ) to be removed. 

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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:
My account with ( XXXX, 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 ( MONTHS REPORTING LATE ) to be removed. 

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: LA

Complaint narrative:
AFTER REVIEWING MY ANNUAL CREDIT REPORT BECAUSE MY INFORMATION WAS COMPROMISED IN A DATA BREACH WE NOTICED SEVERAL INQUIRES THAT WE DID NOT AUTHORIZE IN A ATTEMPT TO OPEN NEW ACCOUNTS AND ALSO SOME ACCOUNTS WE WERE NOT AWARE OF ON OUR CREDIT REPORT WE HAVE FILED A POLICE REPORT AND THEN NOTIFED THE IDENTITY THEIFT .GOV AND ALSO HAVE PLACED A FRAUD ALERT AT THE CREDIT BUREAUS AS OF TODAY

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 2024-06-11 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: NC

Complaint narrative:
I've viewed a copy of my credit report and noticed today that they're multiple inaccurate and authorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit report.

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 2024-06-11 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: CA

Complaint narrative:
I would like to follow up regarding the presence of late open accounts on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. At that time, I provided all the necessary documentation to demonstrate that these late payments were not valid or were the result of extenuating circumstances. However, despite my efforts, these late open accounts continue to be inaccurately reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. With this, I am asking for your assistance to correct accounts : XXXX XXXX Balance : {$570.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$220.00}.

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 non-monetary relief
Consumer complaint received 2024-06-11 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: MI

Complaint narrative:
FRAUDULENT INQUIRIES ON MY CREDIT REPORT I DID NOT CONSENT OR AUTHORIZE SOMEONE USED MY IDENTITY REMOVE THESE AS SOON AS POSSIBLE XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX Phone number By mail only XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX, XXXX Phone number ( 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 2024-06-11 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: MI

Complaint narrative:
FRAUDULENT INQUIRIES ON MY CREDIT REPORT I DID NOT CONSENT OR AUTHORIZE SOMEONE USED MY IDENTITY REMOVE THESE AS SOON AS POSSIBLE XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX Phone number By mail only XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: TX

Complaint narrative:
I saw some unfamiliar collections on my credit report which have caused some detrimental situations in my life and negative effects to my credit report

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I saw some unfamiliar collections on my credit report which have caused some detrimental situations in my life and negative effects to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent XXXX letters dated on XX/XX/2024 to these XXXX credit bureaus, XXXX, XXXX, and TransUnion to inform them of inaccurate information ( late payment removals/derogatory ) concerning XXXX closed accounts that needs to be removed immediately.

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 2024-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX : Account : XXXX Name : XXXX XXXX XXXXXXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the agency myself, and they have failed to verify that this is indeed my debt. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account No even that 15 U.S. Code 1666b said : 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. i Never received a letter from this agency about i have late payment so this company totally failed by low..Delete this account from my Credit File. Sincerely, 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 non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I am apart of the XXXX XXXX. XXXX lawsuit. My federal student loans were already discharged. My schools are on the list for defrauding schools. I submitted a CFPB complaint to Navient and asked for the school misconduct discharge form and was denied. I would like to know more information as to why I was denied. Navient just said that I was denied because my private student loans were consolidated and thats why it was denied. It doesnt make sense. I have a private student loan and I have been approved for the borrowers defense to repayment and my federal loans discharged. My private student loans were from the same school. In fact Navient pushed me into consolidation. Can the CFPB look into why I was denied the application?

Company response to consumer: Closed with explanation