vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: IL

Complaint narrative:
Subject : Follow-Up on CFPB Complaint Regarding Experians Inaccurate Reporting To Whom It May Concern, I am following up on my CFPB complaint filed on [ Date ] regarding Experians inaccurate reporting of an unauthorized business account by XXXX  XXXX XXXX XXXX on my personal credit file. 

Complaint Summary : The account in question is a business liability that I neither personally guaranteed nor authorized to reflect as a personal liability on my credit report. Despite filing a dispute with Experian on XX/XX/year>, they responded on XX/XX/year>, claiming to have verified the accuracy of the account. However, Experian has failed to provide : Documentation or evidence supporting their verification. 
A clear explanation of the process or method used to investigate my dispute. 
Additionally, Experian continues to report : Ongoing Delinquency After Charge-Off : XXXX  XXXX charged off the account in XX/XX/year>, yet continues to report monthly late payments. This violates the Fair Credit Reporting Act ( FCRA Section 623 ( a ) ( 1 ) ( A ) ), which requires accurate reporting. 
No Issuance of IRS Form 1099-C : XXXX XXXX has not issued a Form 1099-C to reflect a discharged or forgiven debt, raising further questions about the accuracy of this reporting.

Violations of FCRA : Experians actions raise several compliance concerns : Failure to Validate Reporting : Under Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, Experian must disclose the method and source of their verification. Their lack of transparency indicates a failure to meet this standard. 
Permissible Purpose Requirements : Under Section 604 ( a ) of the FCRA, a business account with no personal guarantee is not authorized to appear on my personal credit file.

Reasonable Investigation : Experians investigation appears to rely on automated processes rather than verifying the specific details I outlined in my dispute.

Impact on Me : Experians inaccurate reporting has caused : A significant drop in my credit score, hindering my ability to access financial opportunities. 
Emotional distress and financial hardship due to unresolved inaccuracies. 
Requested Resolution : I respectfully request that the CFPB take further action to ensure : Experian provides verifiable evidence supporting their claim that the account is accurate. 
Immediate removal of the unauthorized account if no verifiable evidence exists.

A review of Experians compliance with FCRA requirements in their investigation and reporting processes.

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 2024-12-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter XXXX states the following ; ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than XXXX  days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to open an account on Equifax to monitor my credit and have been unable to. I recently found out that a security freeze has been placed on my account since 2021 for reasons unknown. For the past XXXX years I have been communicating with equifax stating this problem but they are never able to help me. Ive even sent in packets on personal information to aide in my verification, and now im receiving more fraud alerts than I ever have. They keep saying we will let you know when we receive the information and they never due. I have tracking information that says they actually received XXXX of my shipments and picked it up at the postal office, which they deny.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report. I discovered several unauthorized hard inquiries that i do not recognized. I contacted the bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them of my report. This issue is causing undue stress and is negatively affecting my financial standing.

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 2024-12-05 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: NJ

Complaint narrative:
I am writing to formally dispute the reporting of late payments for the XXXX XXXX  account ( Account Number:XXXX  ) reflected on my Experian consumer report. Specifically, the reported XXXX late payment for XX/XX/year> and the XXXX late payment for XX/XX/year>. After reviewing the account details and consulting the XXXX XXXX reporting standards outlined by the Consumer Data Industry Association ( XXXX ) in the Credit Reporting Resource Guide ( XXXX ), I have identified several inaccuracies and non-compliance issues. 

Discrepancies and Non-Compliance Identified XXXX XXXX XXXX XXXX - Payment Rating for XXXX  Days Past Due ( Code XXXX ) The reported XXXX late payment for XX/XX/year> does not meet the requirements set forth in the XXXX XXXX standards. No evidence has been provided to confirm that proper notices were sent to me, including any required disclosures or billing statements before this payment was marked as delinquent. 

XXXX XXXX XXXX XXXX - Payment Rating for XXXX  Days Past Due ( Code XXXX ) The reported XXXX late payment for XX/XX/year> similarly lacks supporting documentation and compliance with XXXX XXXX standards. Experian 's failure to ensure accurate reporting violates both XXXX XXXX requirements and the FCRAs mandate for maximum possible accuracy ( 15 U.S.C. 1681e ( b ). 

XXXXFailure to Adhere to XXXX XXXX Reporting Standards and XXXX XXXXPer the XXXX guidelines, all data must align with the standardized formats to ensure accuracy and consistency. The inconsistencies in the reported balance, credit limit usage ( exceeding 100 % ), and delinquency status suggest incomplete or improperly validated data from the data furnisher ( XXXX XXXX ). 

.The absence of timely notifications regarding past-due amounts further highlights non-compliance. 

XXXXPotential Misclassification The account was closed, and the outstanding balance of {$2200.00} significantly exceeds the credit limit of {$950.00}, which is an additional reporting error that impacts my credit utilization ratio inaccurately. 

Request for Immediate Action In light of the identified discrepancies and non-compliance with XXXX XXXX standards, I respectfully request the following : .The immediate removal of the XXXX and XXXX late payment ratings from my Experian consumer report. 

.A full investigation into the accuracy of the data being reported for this account. 

.Written confirmation of the corrections or a detailed explanation substantiating the reporting, including documented proof of compliance with XXXX XXXX standards and federal regulations

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 2024-12-04 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: AZ

Complaint narrative:
I have repeatedly contacted your office about accounts in pending litigation that are inaccurately reported on my credit file. Each delay is worsening the impact on my credit, and I am done waiting.

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 2024-12-04 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: DE

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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. 


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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NJ

Complaint narrative:
I woke up today to find inaccurate accounts on my credit report, and Im completely baffled. I check my credit regularly, and this time, there are errors that make no sense. I even refreshed my browser, hoping it was just a glitch, but they didnt go away. I feel so helpless and am begging for the documents Ive submitted to be thoroughly reviewed so I dont have to live with this fear anymore.

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 2024-12-05 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: TX

Complaint narrative:
In accordance whith the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The financial institutions have violated my right under the following sections of the fair Credit Reporting Act : 15 U.S.C 1681 SECTION 602A. State I have the right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2. It also states a consumer reporting agency can not furnish an account without my written instructions Thank you for your attention to this matter.

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 2024-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: CO

Complaint narrative:
I am currently working with XXXX XXXX for debt help. Lendmark financial was issued a letter stating i was working with beyond and to cXXXXntact them. Lendmark continually calls me and is now calling my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY 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 2024-12-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I bought furniture at XXXX XXXX using a Synchrony credit card on XX/XX/XXXX. This was described to me in the store as a 24 month loan with 0 % interest. It was actually a store credit card loan with a 24 month promotional 0 % interest rate. I made on time payments for 24 months believing that the balance would be paid off at the end of the 24 months. 

Towards the end of the promotional period of the loan, my XXXX XXXX XXXX XXXX XXXXXXXX, and this was stressful for my family. In part because of this, I did not realize that the promotion was expiring and that I could be charged a huge interest fee. 

On the XX/XX/XXXX Statement, an interest charge of {$2600.00} was added to the account. I realized this had happened after the next statement on XX/XX/XXXX. When I called Synchrony on XX/XX/XXXX to ask permission to only pay the original amount of the loan and receive grace for the added interest, they declined, saying that they could do nothing for me after so much time had passed. 

I decided to pay the full amount of the loan including the interest accrued over the 24 months in order to stop the 35 % interest rate accumulating, but I do not think this is a fair outcome. I would have been more than willing to pay off the full amount had I realized that the promotion was expiring. I do not think that the loan was described in an open and honest way at the furniture, and I believe that the terms of the loan are confusing and designed to cause consumers to pay a surprise, enormous interest fee.

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 monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX that evening I wascontacted by financial planner via XXXXXXXX XXXXk that large sums of money { {$15.00}, XXXX and {$7100.00} ) to another bank and an unknown recipient. I contacted Chase Bank about XXXX XXXX. the following morning. Chase told me there was a wire pending, and I told the person to not send the wire and the woman said okay she would cancel it. However, both wires were sent. I have met with Chase bank employees and also met with a Chase bank employee with my financial planner. We were told Chase would get the money returned. We also were told they would remove the fee charges. One individual thought the funds would be returned readily as Chase " has a good relationship with that bank. '' Despite making regular calls to Chase, nothing has happened in 3 months. 
I have reported the fraud to the local police station, as advised, and also to the FBI. I also been contacted by the county social services representative for Aging and Adult services, and was referred to their legal services, but no progress has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
FCRA Section 605C Consumer Submission XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX, XXXX & Experian URGENT MATTER ( XX/XX/XXXX ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a XXXX XXXX XXXX XXXX, which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : Unauthorized Fraudulent Accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts violate my federally protected consumer rights under 15 U.S.C. 1681, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611.

Please address this matter urgently. Failure to respond satisfactorily within 30 days may result in legal action. 
Sincerely, 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