vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: TX

Complaint narrative:
I had a XXXX line of credit, which was switched to a new company SST or Systems Services and Technologies. This is a suspicious website and Im worried that they have my banking information. They have changed the terms of my loan without any legal reasoning, and my loan is increasing without full disclosure on the one monthly statement I have received. I have only received one statement after being with this company for months. I believe this is a fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality 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 explanation
Consumer complaint received 2024-12-09 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: NV

Complaint narrative:
I am filing this complaint regarding multiple unauthorized and inaccurate inquiries being reported on my credit report by Experian. These inquiries were not authorized by me and are not associated with any of my current accounts or credit applications. Their continued presence on my credit report is unjustly damaging my creditworthiness. Despite my repeated efforts to resolve this matter directly with Experian, these unauthorized inquiries remain on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), consumer reporting agencies are required to ensure that only permissible inquiries appear on credit reports. Permissible purposes for inquiries include cases where I have explicitly applied for credit, sought employment, obtained insurance, or provided direct consent. The inquiries in question fail to meet these legal criteria, and their reporting constitutes a violation of the FCRA. 

Furthermore, under FCRA Section 1681i, Experian is obligated to investigate consumer disputes and correct inaccuracies promptly. I have disputed these unauthorized inquiries multiple times via mail and through Experian 's online dispute portal. However, no corrective action has been taken. This lack of action directly violates Experians legal responsibility to ensure accurate and verified reporting.

The presence of these unauthorized inquiries misrepresents my financial behavior, creating an inaccurate and misleading credit profile. Inaccurate inquiries can unfairly lower credit scores, resulting in financial harm, including higher interest rates, denied credit applications, or diminished financial opportunities.

Resolution Requested : Immediate removal of all unauthorized and inaccurate inquiries from my Experian credit report. 
Assurance that Experian will conduct a thorough review of my credit file and implement stronger controls to prevent unauthorized inquiries from appearing in the future. 
Written confirmation of the removal of these inquiries and verification of compliance with FCRA requirements. 
Thank you for your attention to this matter. I trust the Consumer Financial Protection Bureau will ensure Experian upholds its obligations under federal consumer protection laws. 

XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX Inquiry date XX/XX/year> 2024

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 2024-12-09 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2024-12-09 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 reviewed my credit report on XX/XX/year>, and noticed inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. However, the account XXXX XXXX XXXXXXXX XXXX  # XXXX is not mine, is incomplete, and is inaccurate. 

On XX/XX/year>, I formally disputed this account on my credit report, requesting an investigation into the account XXXX XXXX XXXX XXXX  # XXXX. Despite this, the results of the investigation showed no modifications or updates to the account. It was not removed from my credit report, as it should have been. 

To support my claim, I filed an FTC Identity Theft Report and provided it to Experian, clearly demonstrating that this account was fraudulently opened without my consent. Even with this evidence of fraud, Experian failed to remove the account from my credit report. 

Experian is in clear violation of the following provisions of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] - Ensuring Maximum Possible Accuracy Experian failed to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the account XXXX XXXX XXXXXXXX XXXX  # XXXX. Despite clear evidence of fraud and my FTC report, Experian continues to report this fraudulent account, violating their duty to ensure accuracy. 
Section 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ] - Duty to Conduct a Reasonable Reinvestigation Experian did not conduct a reasonable reinvestigation of the account XXXX XXXX XXXX XXXX XXXX XXXXXXXX after I disputed its accuracy. The investigation resulted in no changes to the account, despite clear evidence of fraud provided in my FTC report. This failure to investigate thoroughly violates XXXX obligation under the FCRA. 
I request immediate action to remove the fraudulent account XXXX XXXX XXXX XXXX XXXX XXXXXXXX from my credit report to comply with the FCRA and restore accuracy to my credit 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 2024-12-09 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: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( 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 2024-12-09 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: VA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Have other names that's not me listed on 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 2024-12-09 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: TX

Complaint narrative:
Have other names that's not me listed on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: MO

Complaint narrative:
I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and consumer violations attached below. Transunion has removed US DEPARTMENT OF EDUCATION, and it is proof of my claim. If my invoice is ignored, I will have to pursue Arbitration for civil liabilities with all the proof I have. Hopefully we can come to a resolution.

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 2024-12-09 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: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my 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 non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Unauthorized hard and soft inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX 2024 XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XXXX XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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:
Unauthorized hard and soft inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX 2024 XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX  XX/XX/2024 XXXXXXXX XXXX XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 Experian XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX  XXXX XX/XX/2024 XXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX  XXXX  XXXX XX/XX/2024 2024

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 2024-12-09 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:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The complaint, referenced as FTC Complaint Number XXXX, was filed on XX/XX/XXXX. 

Complaint Description : My credit report shows several unauthorized inquiries that were made without my consent. When I contacted the creditors responsible for these inquiries, they confirmed that they have no evidence to show that I initiated the inquiries. Additionally, they could not provide any written or verbal authorization from me to support these actions. 
Given the lack of valid authorization for these inquiries, I formally requested their immediate removal. However, the credit bureau has failed to provide a satisfactory response to my request, prompting me to escalate the matter to the FTC. 
Details of Disputed Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
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 explanation
Consumer complaint received 2024-12-09 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:
Upon checking my credit report I was shocked to see that I have been a victim of identity theft and my credit was used to apply for credit cards. I have noticed an inquiry on my credit report. Please dispute and remove the following inquiry XXXX XXXX ( Bank ) XX/XX/year> 2024

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 2024-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: SC

Complaint narrative:
On XX/XX/year> someone fraudulently set up an account for XXXX XXXX XXXX and used either my debit card or bank account number to start services. I have called 5 times and left numerous voicemails and talked to a number or departments ; all of which pass me on, put me on hold, do not respond to messages, or provide any information on the matter. 

If my information was used to set up an account and auto-debit my bank account, I would like to have the contract that was used, the information provided, and the sales person who set this up as I believe there was a unethical person on the XXXX  end who did so for commission. 

XXXX has been of no help with information or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: NY

Complaint narrative:
I have recently applied for a credit car application and notice that I was denied and received a adverse action stating that I have to many inquires I have reached out to each company individual and ask can they provide me with this information that applied with their company Please remove all inquires that doesn't belong to me ASAP within 3 business days Because the companies stated there was no probable cause XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE ASAP FROM

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