vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: IA

Complaint narrative:
I discovered several inaccuracies and outdated information on my credit report. These include : Incorrect personal information, such as my name, address, and phone numbers. 
Hard inquiries I did not authorize. 
Accounts that have been on my report beyond the seven-year reporting period allowed under the Fair Credit Reporting Act ( FCRA ). 
I have attempted to correct this information, but it remains unresolved. Additionally, some of these accounts and inquiries are not mine, and I did not authorize them. 

XXXX XXXX XXXX and other entities have reported debts without providing proper validation or proof, such as a signed agreement, bill of sale, or accurate accounting of balances. This has negatively impacted my credit profile.

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 2024-11-29 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: CO

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: MA

Complaint narrative:
Would like to inform that in accordance with the fair credit reporting act, the list of accounts below has violated my federally reporting consumer rights to privacy and confidentiality under 15usc 1681, I understand that consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX As the consumer, I am the lawful owner of my credit information, which means any entity seeking to access or use it must do so with explicit authorization and solely for permissible purposes. 15 u.s.c 1681 section 602 15 u.s.c 1681 section 604 Reporting agency can not furnish an account without my written authorization consent. Also any negative items report on TransUnion bureau must be '' Deleted '' and removed from my credit report. Sincerely; thanks I appreciate.

The resulting inquiry have caused significant harm to my family and me, and I believe my rights under these federal laws have been violated.

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 2024-11-29 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: MA

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally reporting consumer rights to privacy and confidentiality under 15usc 1681, I understand that consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; As the consumer, I am the lawful owner of my credit information, which means any entity seeking to access or use it must do so with explicit authorization and solely for permissible purposes. 15 u.s.c 1681 section 602 15 u.s.c 1681 section 604 Reporting agency can not furnish an account without my written authorization consent. Also any negative items report on all my Equifax credit bureau must be '' Deleted '' and removed from my credit report. 

The resulting inquiry have caused significant harm to my family and me, and I believe my rights under these federal laws have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-11-29 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX 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 2024-11-29 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-11-29 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: TX

Complaint narrative:
The unvalidated late payments remain on my credit record despite my written dispute submitted over 30 days ago. Your failure to respond or provide validation within the required timeframe violates federal consumer protection laws.

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 2024-11-29 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: TX

Complaint narrative:
The unvalidated late payments remain on my credit record despite my written dispute submitted over 30 days ago. Your failure to respond or provide validation within the required timeframe violates federal consumer protection laws.

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 2024-11-29 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: DE

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: IA

Complaint narrative:
I discovered several inaccuracies and outdated information on my credit report. These include : Incorrect personal information, such as my name, address, and phone numbers. 
Hard inquiries I did not authorize. 
Accounts that have been on my report beyond the seven-year reporting period allowed under the Fair Credit Reporting Act ( FCRA ). 
I have attempted to correct this information, but it remains unresolved. Additionally, some of these accounts and inquiries are not mine, and I did not authorize them. 

XXXX XXXX XXXX and other entities have reported debts without providing proper validation or proof, such as a signed agreement, bill of sale, or accurate accounting of balances. This has negatively impacted my credit profile.

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 2024-11-29 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: PA

Complaint narrative:
My account with EXPERIAN XXXX 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. 


EXPERIAN XXXX 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 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 2024-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Investigation and Correction of Inaccurate Late Payments XXXX XXXX XXXX  Account Dear CFPB, I am reaching out regarding inaccuracies on my credit report related to the XXXX XXXX XXXX  account ( # XXXX ). After careful review, I identified errors in how payments have been reported, specifically a 30-day late payment for XX/XX/XXXX and a XXXX late payment for XX/XX/XXXX under TransUnion. These reports are incorrect, as all payments were made on time. 
It is crucial for credit reporting agencies to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ), and I am requesting a thorough review of this matter. The errors in reporting have negatively impacted my credit file and are not representative of my payment history or financial responsibility. 
Details of the Account : Account Number : XXXX Account Type : Installment Lease Account Status : Closed Date Opened : XX/XX/XXXX High Credit : {$12000.00} Date of Last Payment : XX/XX/XXXX Disputed Information : TransUnion XXXX Incorrectly reports a 30-day late payment for XX/XX/XXXX and a 60-day late payment for XX/XX/XXXX. 
XXXX and XXXX : No similar reporting issues. 
I have attached bank statements and proof of timely payments for these months, which clearly demonstrate that I was never late. These inaccuracies violate FCRA guidelines, which mandate that consumer reports contain only accurate and verifiable information. 
My Request : Correct the Errors : Update the XXXX XXXX XXXX  account to reflect a status of " Paid As Agreed Never Late '' for XX/XX/XXXX and XX/XX/XXXX. 
Provide a Detailed Investigation Report : As required by 15 USC 1681i ( a ) ( 7 ), I request a description of the procedure used to verify the information in dispute. 
Submit Supporting Documentation : Provide verifiable proof of the reported late payments, including specific dates, amounts, and communications indicating delinquency. 
In the absence of such proof, I expect these inaccuracies to be removed immediately. Furthermore, I ask that you confirm in writing the steps taken to ensure my credit report is corrected to reflect its accurate status. 
Supporting Documents Included : A highlighted copy of the credit report indicating the discrepancies I trust that you will handle this dispute with urgency and professionalism. I expect a resolution, including written confirmation of updates to my credit report, within the timeframe mandated by the FCRA. 
Thank you for your immediate attention to this matter. Please feel free to contact me directly if additional information is needed. 
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 non-monetary relief
Consumer complaint received 2024-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Investigation and Correction of Inaccurate Late Payments XXXX XXXX XXXX  Account Dear CFPB, I am reaching out regarding inaccuracies on my credit report related to the XXXX XXXX XXXX  account ( # XXXX ). After careful review, I identified errors in how payments have been reported, specifically a 30-day late payment for XX/XX/XXXX and a 60-day late payment for XX/XX/XXXX under TransUnion. These reports are incorrect, as all payments were made on time. 
It is crucial for credit reporting agencies to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ), and I am requesting a thorough review of this matter. The errors in reporting have negatively impacted my credit file and are not representative of my payment history or financial responsibility. 
Details of the Account : Account Number : XXXX Account Type : Installment Lease Account Status : Closed Date Opened : XX/XX/XXXX High Credit : {$12000.00} Date of Last Payment : XX/XX/XXXX Disputed Information : TransUnion XXXX Incorrectly reports a 30-day late payment for XX/XX/XXXX and a 60-day late payment for XX/XX/XXXX. 
XXXX and XXXX : No similar reporting issues. 
I have attached bank statements and proof of timely payments for these months, which clearly demonstrate that I was never late. These inaccuracies violate FCRA guidelines, which mandate that consumer reports contain only accurate and verifiable information. 
My Request : Correct the Errors : Update the XXXX XXXX XXXX  account to reflect a status of " Paid As Agreed Never Late '' for XX/XX/XXXX and XX/XX/XXXX. 
Provide a Detailed Investigation Report : As required by 15 USC 1681i ( a ) ( 7 ), I request a description of the procedure used to verify the information in dispute. 
Submit Supporting Documentation : Provide verifiable proof of the reported late payments, including specific dates, amounts, and communications indicating delinquency. 
In the absence of such proof, I expect these inaccuracies to be removed immediately. Furthermore, I ask that you confirm in writing the steps taken to ensure my credit report is corrected to reflect its accurate status. 
Supporting Documents Included : A highlighted copy of the credit report indicating the discrepancies I trust that you will handle this dispute with urgency and professionalism. I expect a resolution, including written confirmation of updates to my credit report, within the timeframe mandated by the FCRA. 
Thank you for your immediate attention to this matter. Please feel free to contact me directly if additional information is needed. 
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 non-monetary relief
Consumer complaint received 2024-11-29 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XX/XX/XXXX {$250.00} Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Collection/Charge Off XXXX XXXX  XXXX XX/XX/XXXX {$5800.00} XXXX  XXXX XXXX XX/XX/XXXX {$170.00} XXXX  XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX  XXXX XXXX XX/XX/XXXX {$690.00} XXXX  XXXX XXXX XX/XX/XXXX {$6700.00} XXXX  XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX  XXXX XX/XX/XXXX {$2400.00} Late Payment XXXX XXXX XXXX XXXX  XX/XX/XXXX {$4700.00} Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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