vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have contacted all three Credit reporting agencies regarding the fact that my personal private information was disclosed on report This letter is per the FCRA as a Federally protected consumer per 15 USC 1681. I am now opting out of any and all authorization I the consumer may have given you in the normal course of doing business that gave any written unwritten verbal and non- verbal consent. Pursuant 15 USC 6802 my right to opt out was never extended to me, as well as potential violations of 15 USC 6803, 15 USC 6804, 15 USC 6805, 15 USC 6508,16 CFR 313.1, CFR 433.1-433.2. The Banking Act of 1937, The Privacy Act of 1974.

The following accounts listed below all have been found to be in violation of Federal law that protects of release of my nonpublic personal information to non-affiliates as a result of my internal investigation as well as numerous inaccuracies of credit file # Experian XXXX, report # XXXX, Report # XXXX, Report # XXXX, Report # XXXX. XXXX, EXPERIAN, XXXX, EARLY WARNING SERVICES are all third-party affiliations of the following corporations. 
I hereby demand validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation ratified by me. 
I hereby demand that XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX account profile updates pending the investigation of any evidence you are instructed to update any detrimental information to paid as agreed. 
Thank you kindly, ______________________________ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, Maryland XXXX Cc : Consumer Financial Protection Bureau Cc : 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 2024-09-24 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I noticed that inaccurate information continues to be reported despite previous disputes. The credit bureaus have repeatedly verified this incorrect information as accurate, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623. These sections require the credit bureaus to conduct a reasonable investigation and ensure the accuracy of information being reported. 

I have attached proof demonstrating that the information is not accurate and should no longer be included on my credit report. The continued reporting of this incorrect information is not only unfair but also a violation of the FCRAs provisions. 

Please immediately remove this erroneous information from my credit report as required by law, and ensure that future reports reflect only accurate data.

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 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
In XX/XX/year> I the credit Worthy consumer in good faith applied for the Amex platinum card, but was denied by reason of denial. 
Under the Equal credit opportunity act. American Express XXXX act unlawfully discriminated against. AND I BELIEVE I AM PROTECTED under 12 CFR PART 1002 REGULATION B and 12 CFR 1002.7 And 15 U. S Code 1681a ( exclusions ) Gramm-Leach-Bliley Act 1016.10 Limits on disclosure of nonpublic personal information to non affiliated third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts have been showing up on my credit report for months, causing me a great deal of stress. All Im asking is for you to verify whether these accounts actually belong to me. The inaccuracies have been damaging my credit score and costing me financial opportunities, which in turn, holds me back from pursuing my dreams.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Inquiry On my Report i Didnt apply For any Credit end last year i contact the fraud department From All Three major Credit repirt asked To investigate And remove From credut

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After thoroughly reviewing my credit report, Ive discovered that incorrect information continues to be reported by TransUnion, XXXX, and XXXX. Despite my previous disputes, this information is still being verified as accurate. However, I have undeniable proof that the information in question is not accurate, which I have attached for your reference. 

This ongoing verification of false information not only damages my creditworthiness but also violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 and 623. These sections mandate that credit reporting agencies and furnishers of data must correct or remove any information that is found to be inaccurate or unverifiable after a dispute is filed. 

I am urging you to immediately remove this inaccurate information from my credit report, as continued reporting of these errors is unacceptable and unlawful. Please ensure that my credit file is corrected to reflect accurate and verified information, in accordance with the FCRA.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After thoroughly reviewing my credit report, Ive discovered that incorrect information continues to be reported by XXXX, Experian, and XXXX. Despite my previous disputes, this information is still being verified as accurate. However, I have undeniable proof that the information in question is not accurate, which I have attached for your reference. 

This ongoing verification of false information not only damages my creditworthiness but also violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 and 623. These sections mandate that credit reporting agencies and furnishers of data must correct or remove any information that is found to be inaccurate or unverifiable after a dispute is filed. 

I am urging you to immediately remove this inaccurate information from my credit report, as continued reporting of these errors is unacceptable and unlawful. Please ensure that my credit file is corrected to reflect accurate and verified information, in accordance with the FCRA.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Content of Complaint this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, Block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX open date XX/XX/XXXX Account # XXXX, XXXX XXXX Open date XX/XX/XXXX Account # XXXX, XXXX XXXX OPEN DATE XX/XX/XXXX Account # XXXX, XXXX  XXXX Open Date XX/XX/XXXX Account # XXXX, XXXX CARD XXXX  Open Date XXXX/XXXX/XXXX Account # XXXX, XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX Account # XXXX, XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX Account # XXXX, XXXX CARD SERVICES Open Date XX/XX/XXXX Account # XXXX, XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX Account # XXXX, XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX Account # XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Account # XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Account # XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Account # XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Account # XXXX. These account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer XXXX credit report. All of the aforementioned account, Collection are the result of identity Theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and Collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I reported that the hard inquiries listed on my report from several companies didn ; t have permission to run my credit. I was told that the inquiries would be deleted but as of now they still appear on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: MI

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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.

This company 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 2024-09-25 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: FL

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : My records indicate that the payment in question was made on time. Attached are bank statements showing the transaction, confirming that the payment was processed before the due date. 
Inconsistent Reporting : The late payment is reported inconsistently across credit reporting agencies, as detailed in the attached summary of my XXXX, Experian, and XXXX credit reports. 
Account Activity Discrepancy : The account in question has been consistently marked as current in other months. The alleged late payment does not align with my payment history, as confirmed by XXXX XXXX 's own billing statements, which are also attache Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

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

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

Sincerely, XXXX XXXX XXXX.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reached out to XXXX XXXX and asked why was my account reported late 30 days when they gave me an extension and they stated it was in error and for me to dispute it with the credit companies and it will be removed. I did just that and disputed it with Experian, XXXX, XXXX several times and its still on there. I have proof they gave me an extension.

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 2024-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am writing to formally request the removal of an inaccurate item from my credit report. The account in question is listed under the name Westlake Financial Services, with the account number XXXX This account should no longer be reported on my credit file due to the following court ruling. Enclosed is a copy of the court statement, which clearly states : " ON THIS DAY, came on for consideration in the above-entitled and numbered cause the Receivers Motion to Terminate Receivership ( No Funds to Disburse ). The Court, having considered the Motion, the records of this Court, and the evidence presented, finds that proper notice to the parties has been made, the receivership should be terminated and the Receiver should be discharged. Therefore, Receivers Motion to Terminate Receivership ( No Funds to Disburse ) is in all respects GRANTED as follows ; IT IS ORDERED that this receivership is hereby terminated, the actions taken by the Receiver during this receivership are approved, and the Receiver is discharged and released from further obligations or liability with regard to this receivership. '' As the receivership has been terminated, and there are no funds to disburse, this account is no longer valid. Therefore, I am requesting that you remove the Westlake Financial Services account from my credit report immediately. Please investigate this matter promptly, and send me a confirmation letter once this account has been removed. I appreciate your timely attention to this matter. Thank you for your assistance.

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 2024-09-25 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: MI

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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.

This company 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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief