vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint to report repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by Experian regarding the inaccurate, unauthorized, and unverifiable reporting of accounts and hard inquiries on my credit report. The disputed accountsUTILITY SELF-REPORTED : XXXX, XXXX SELF-REPORTED : XXXX, and XXXX : XXXX the following hard inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate , unverifiable, and unauthorized . Despite prior disputes, no documentation has been provided to verify these accounts and inquiries as required under FCRA 1681i ( a ) ( 1 ) and FCRA 1681b ( f ). This failure to verify or remove unverifiable entries violates FCRA 1681e ( b ), which mandates maximum accuracy in reporting, and FCRA 1681i ( a ) ( 5 ), which requires the removal of unverifiable information. Additionally, these items are not marked as Disputed, violating FCRA 1681i ( a ) ( 6 ) ( B ), and the creditors have failed to validate the debts under FDCPA 1692g. These violations have caused significant harm to my credit profile, negatively impacting my credit score and misleading potential creditors. I demand the immediate removal and permanent blocking of these accounts and inquiries under FCRA 1681c-2, which requires the deletion of unverifiable or fraudulent information. I request the CFPB enforce compliance with federal law, investigate these violations, and confirm in writing that these items have been removed and blocked. Attached are dispute letters, certified mail receipts, and excerpts of my credit report highlighting these accounts and inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My full credit report was used to open a credit card with a credit limit {$7900.00} and {$5300.00} was charged. The account was closed with no responsibility to me. I want my credit locked so no new accounts can be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: GA

Complaint narrative:
Subject : Complaint Regarding Creditor Non-Compliance with 21-Day Rule for Credit Card Payments I am writing to formally request an investigation into a creditor 's potential non-compliance with the Truth in Lending Act ( TILA ) under 15 U.S.C. 1637 ( b ), specifically regarding the timely delivery of periodic statements for my credit card account.

The law states that 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 to ensure that each periodic statement, including the informat
ion required by Section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

In this case, Self Lender never notify me the date nor did they send me a statement stating this issue.Also its reporting on my Credit Report as Late on XXXX but the statement says XX/XX/year> which will be in attach statement. 

This failure to comply with the 21-day rule has caused me to denied credit. I believe this violates my rights as a consumer under the Truth in Lending Act, and I respectfully request the CFPB to investigate this matter. 

I have attached supporting documentation, including copies of my credit card statements and other relevant correspondence, to substantiate my claim. Please let me know if additional information is needed to proceed with this investigation. 

Thank you for your attention to this matter. I trust the CFPB will address this issue promptly to ensure compliance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: FC HoldCo LLC
State: OH

Complaint narrative:
In the 2 1/2 years I have had my XXXXXXXX XXXX XXXX I've been consistence in my payment until recently. Due to financial hardship I requested a reduction in my payments only temporarily so, I can be able to make comfortable payments withouth the worry of repossession but they denied my request. I requested the reduction of my payments due to the fact my hours was back to part-time which meant a reduction in my pay which intel stress on me financially and mentally. And with that denial and no options from the financial company they've repossesed the vehicle and ensured a negative impact on my credit and no transportation to and from work and the responsbility of balance of the car loan of a car I no longer can access which I am struggling to figure it out financially, STILL. 

Thank you 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The accounts linked to identity theft on my consumer report were added without my written authorization. These fraudulent items have caused significant emotional and financial distress, hindering critical financial goals like home purchasing. I demand the immediate blocking and removal of these inaccurate accounts from 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — 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 : 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The XXXX account last payment date is inaccurate. XX/XX/XXXX is the correct date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I Just came back from a mission trip on XX/XX/year>. Upon getting back I looked at my credit report and found that somone has used my identity to get credit cards, car loans, and other other loans. I listed these documents that are not mine.

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

Complaint narrative:
I Just came back from a mission trip on XX/XX/year>. Upon getting back I looked at my credit report and found that somone has used my identity to get credit cards, car loans, and other other loans. I listed these documents that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my right under the Fair Debt Collection Practice ) FDCA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law. 

Case law has affirmed my right to request the cessation of debt collection communications. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled that a consumers request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. 

Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reinforces the consumers right to privacy and the obligation of debt collectors to honor request for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and violation of the FDCPA. 

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Request for Removal of Fraudulent Items from Credit Report SSN : [ XXXX ] To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and demand the immediate removal of fraudulent items from my credit report. This attempt to block the fraudulent accounts is being made by me, the rightful consumer, under 15 U.S. Code 1681c2 ( Fair Credit Reporting Act ), and the Identity Theft and Assumption Deterrence Act ( ITADA ). These laws entitle me to block any information resulting from identity theft on my credit report. 
The following accounts have been fraudulently opened in my name or affected by identity theft : [ XXXX XXXX XXXX, XXXX ] [ XXXX XXXX XXXX, XXXX ] ( Include all fraudulent accounts or inquiries you wish to be removed ) As required by 15 U.S. Code 1681c2, I have provided the following documentation to support my claim : A copy of my Identity Theft Report, filed with the Federal Trade Commission ( FTC ) ( or other relevant authorities ) A copy of my government-issued ID ( e.g., passport, driver 's license ) A copy of a utility bill showing proof of my current address A statement affirming that the above accounts are not related to any transaction initiated by me This request is being made by me to block the fraudulent information from my credit report. Under 15 U.S. Code 1681c2, once the above documentation is received, you are required to block these fraudulent accounts within 4 business days.

In addition, please be aware that 15 U.S. Code 1681c2 ( c ) explicitly prohibits the re-insertion of information that has been blocked due to identity theft. Once an account or inquiry has been blocked from my credit report, it can not be reinserted without proper verification that it is no longer associated with identity theft. If any blocked information is improperly reinserted, I will take immediate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. 
Additionally, I request that you provide a free, updated copy of my credit report reflecting these changes, as stipulated under 15 U.S. Code 1681c-1.

I expect prompt and thorough action in resolving this issue and expect a written response from your office no later than [ set a date within the required timeframe, e.g., 10-14 days ].

Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report. 
Sincerely, XXXX XXXX Enclosures : Copy of Identity Theft Report Copy of ID Proof of Address ( Utility Bill ) Statement identifying fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

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 2024-12-16 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: MO

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
On XX/XX/XXXX I started having trouble keeping up with my Lowes credit card payments, basically I was experiencing financial hardship and reached out to this credit card company and made them aware. However, after some time, I was no longer able to keep up with my payments and this credit card was turned over to collections. Now fast forward to this year XXXX, sometime around XXXX, I attempted to offer them a settlement to which they declined. The total payoff for this credit card is {$6200.00} and has already been listed as a charge-off, but I wanted to pay back as much as I could in a settlement. I offered them {$1000.00} but was denied by their representative. That's honestly as much as I could afford to pay them, but they didn't see it that way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

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 explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am asking for your help in addressing the issue of an inaccurate account listed on my credit report. This concern is impacting my standing as a customer, and I need these false accounts removed since they are reported incorrectly and negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year> I called XXXX XXXX XXXX  and asked them to change my due date because every time I make a payment it never gets posted to my credit report correctly and it messes up my credit score. The representative told me it would take XXXX billing cycles for the change to take place. I made my XXXX payment on XX/XX/XXXX which was the current due date. I paid off the balance on XX/XX/XXXX. The statement closing date was XX/XX/XXXX. I had a XXXX balance on XX/XX/XXXX. Therefore, they should have reported my XXXX balance to the credit bureaus. However, they did the due date change early and the due date changed to XX/XX/XXXX and the statement closed on XX/XX/XXXX which was 9 days after the actual statement closing date. Now my credit report shows a {$300.00} balance which is incorrect. That is 40 days instead of 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I recently reviewed a copy of my credit report and noticed inquiries that i dont recognize and unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am in the process of applying for a mortgage. In the 2 most recent credit pulls we have not been able to see a score on Equifax which prompted me to call a few weeks ago. When speaking to them i couldnt get anywhere with the rep. Literally, my entire file is missing. I do recall submitting a dispute on 1 collection but not placing my file in any type of fraud status so this is trange to me and delaying my progress

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Consumer Name : XXXX, Social Security Number : XXXX SSN ), Consumer Date of Birth : ( XXXX  XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This XXXX XXXX  OPENED ON XX/XX/year> IN THE AMOUNT OF XXXX, AND XXXX XXXX ACCOUNT, IN THE AMOUNT OF {$3600.00} fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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