vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-09-05 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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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:
There are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: MS

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 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. 

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN IDENTITY THEFT INSURANCE IS NOT OPERATING IN THE MANNER OF TERMS PROVIDED BY THE TERMS IN THE EVENT OF A IDENTITY THEFT EVENT. I have been paying for this service since XXXX. I have never filed a claim before, this is the first experience. I MUST SAY THIS HAS TO BE THE MOST NON COMMUNICATION EVER TO EXPERIENCE WITH SUCH A BRUTAL CASE OF IDENTITY THEFT. EXPERIAN CLAIMS TO OFFER CUSTOMER SUPPORT AND GUIDANCE TO HELP VICTIMS RESTORE THEIR IDENTITY AND SUPPORT IN THIS PROCESS. Well this is certainly UNTRUE AND IS A TOTAL RIPOFF AND SOME CASES I HAVE BEEN BILLED TWICE IN THE same month. This happened over a year ago, however I had one representative named XXXX who attempted to contact me but I cant help but assume that this contact was to document the attempt. I would receive an email from XXXX after XXXX. That I couldnt be reached and to call back. WELL CALLED BACK NUMEROUS TIMES TO NEVER GET A PERSON AT EXPERIAN TO HELP ME. Also, I sent in my claim form for identity theft to consumerinfo, who is AIG and I have not heard anything but a receipt confirming the documents were received. I thought maybe a week into this I would have a point of contact but still nothing. I am overwhelmed and need guidance on how to file my claim appropriately. I do have a challenge with the way I organize the documents as it is extremely difficult to do alone. I barely can keep up because of the aggressive nature of my identity being abused. Being included in every cyber attack and EVERY SINGLE DATA BREACH IS A HUGE UNREPAIRABLE EVENT TO Experience. ALSO WHEN CALLING EXPERIAN WITH HOPES OF GETTING THE ASSISTANCE AS THE TERMS AND CONDITIONS WRITTEN. Instead their ( EXPERIAN ) representatives start asking do you want to cancel provoking questions to get the victim to cancel without ever intending to honor the contract they are claiming to provide for paying {$24.00} monthly. ALSO, I contacted EXPERIAN TO WARN THEM TO STOP ASSOCIATING A VEHICLE I NEVER OWNED WITH THEIR INSURANCE APP AND TO REMOVE THE PHONE NUMBER XXXX. They still have this number attached to my EXPERIAN account when this number was hijacked from in XXXX. TELL EXPERIAN I NEVER OWNED OR EVEN TAKEN A RIDE IN ANY 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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-09-05 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:
My accounts 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 to be removed/updated.

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.

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!

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 2024-09-05 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: PA

Complaint narrative:
I am filing a formal complaint regarding two inaccuracies on my credit report, which I have repeatedly disputed with the credit bureaus. Despite my efforts, the bureaus either claim the items have been " verified as accurate '' or fail to properly address my disputes. The details of the accounts in question are as follows : XXXX ( Account Number : XXXX ) - Reason : Identity Theft This account is not mine. I have submitted a fraud affidavit, police report, and other supporting documentation under the protections of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which allows for the blocking of fraudulent information due to identity theft. However, the bureaus have continued to report this item and provided no meaningful explanation for how it was verified. When I contact XXXX directly, they refuse to give any information, citing my identity theft report. As per XXXX XXXX Equifax Information Services, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), credit bureaus must conduct a reasonable investigation, which they have failed to do. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - Reason : Failure to Send Billing Statement, Late Payments Reported in Error XXXXXXXX XXXX has reported late payments for periods during which I did not receive a billing statement, a clear violation of the Fair Credit Billing Act ( FCBA ) 1666 ( 15 U.S.C. 1666 ). Under the FCBA, a creditor is obligated to send a billing statement at least 21 days before the payment due date, and failure to do so voids any late payment penalty. Additionally, the inaccurate reporting of these late payments also violates the FCRA 1681s-2 ( a ), which mandates that furnishers of information report accurate and complete information. Based on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ), I am entitled to have these inaccuracies corrected, and my account updated to reflect positive payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: PA

Complaint narrative:
I am filing a formal complaint regarding two inaccuracies on my credit report, which I have repeatedly disputed with the credit bureaus. Despite my efforts, the bureaus either claim the items have been " verified as accurate '' or fail to properly address my disputes. The details of the accounts in question are as follows : XXXX ( Account Number : XXXX ) - Reason : Identity Theft This account is not mine. I have submitted a fraud affidavit, police report, and other supporting documentation under the protections of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which allows for the blocking of fraudulent information due to identity theft. However, the bureaus have continued to report this item and provided no meaningful explanation for how it was verified. When I contact XXXX directly, they refuse to give any information, citing my identity theft report. As per XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), credit bureaus must conduct a reasonable investigation, which they have failed to do. 

XXXXXXXX XXXX  ( Account Number : XXXX ) - Reason : Failure to Send Billing Statement, Late Payments Reported in Error XXXXXXXX XXXX  has reported late payments for periods during which I did not receive a billing statement, a clear violation of the Fair Credit Billing Act ( FCBA ) 1666 ( 15 U.S.C. 1666 ). Under the FCBA, a creditor is obligated to send a billing statement at least 21 days before the payment due date, and failure to do so voids any late payment penalty. Additionally, the inaccurate reporting of these late payments also violates the FCRA 1681s-2 ( a ), which mandates that furnishers of information report accurate and complete information. Based on XXXX XXXX XXXX XXXX Mortgage XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I am entitled to have these inaccuracies corrected, and my account updated to reflect positive payments.

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 2024-09-05 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: TX

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 non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-09-05 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: TX

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 non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally request your assistance in resolving a dispute concerning inaccurate information on my credit report. Despite my efforts to resolve this issue directly with the credit reporting agencies, I believe the inaccuracies have not been fully addressed according to the standards set forth by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681i.

I am requesting that the CFPB oversee a procedural investigation into this matter to ensure compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the credit reporting agencies to conduct a reasonable reinvestigation of the disputed information. Additionally, I ask that the results of this reinvestigation be pro
vided to me within 5 business days of its completion, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ). If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, I expect it to be deleted from my credit report as per 15 U.S.C. 1681i ( a ) ( 5 ).

I appreciate your attention to this matter and look forward to your guidance in ensuring that my rights under the FCRA are upheld.

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 2024-09-05 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: NC

Complaint narrative:
I am writing to formally request your assistance in resolving a dispute concerning inaccurate information on my credit report. Despite my efforts to resolve this issue directly with the credit reporting agencies, I believe the inaccuracies have not been fully addressed according to the standards set forth by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681i.

I am requesting that the CFPB oversee a procedural investigation into this matter to ensure compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the credit reporting agencies to conduct a reasonable reinvestigation of the disputed information.
Additionally, I ask that the results of this reinvestigation be provided to me within 5 business days of its completion, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ). If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, I expect it to be deleted from my credit report as per 15 U.S.C. 1681i ( a ) ( 5 ).

I appreciate your attention to this matter and look forward to your guidance in ensuring that my rights under the FCRA are upheld.

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 2024-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There is a Hard inquiry on my credit report from Captial One XX/XX/2023 that needs to be removed

Company response to consumer: Closed with non-monetary relief