davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SCXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX Original Creditor XXXX XXXX XXXXXXXX  XXXX XXXX XXXX Balance XXXX XXXX U S DEPT OF EDXXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX XXXX US DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX  USDOE/XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (NY)

This company is reporting on my XXXX report. I disputed this and XXXX said that this was verified as accurate. I did not authorize this. According to 15 USC 1681b ( a ) ( 2 ), I did not give AMERICAN EXPRESS written instruction to pull my report. Please send me proof with my written instruction and signature proving that I gave this company permission to obtain my report. I have a right to privacy. If you cant provide proof it needs to be deleted immediately. I am requesting {$1000.00} for violation of my federal consumer rights. 

Company : AMERICAN EXPRESS DATE OF INQUIRY : XX/XX/XXXX, XXXX XXXXXXXX XXXX
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (SC)

I sent in a dispute letter on XX/XX/2022 in regards to the account National credit adjustment # XXXX being reported by XXXX. I did not receive any type of correspondence which validated the account. I do not owe this debt not to mention I never authorized anyone to use my information to obtain this alleged debt.
Consumer complaint received 2024-11-22
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. (NM)

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.
Consumer complaint received 2024-09-21
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. (PA)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry : XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX Date : XX/XX/year>
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove these erroneous items : 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
Consumer complaint received 2024-08-28
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. (SC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-09-21
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. (VA)

Dear CFPB, I am writing to formally dispute multiple unauthorized inquiries that have appeared on my credit report. I have thoroughly reviewed my report and identified several inquiries that I do not recognize and did not authorize. These inquiries are negatively impacting my credit score, and I believe they were placed in error or without my consent. 

I am requesting an immediate investigation into these unauthorized inquiries and for them to be removed from my credit report as soon as possible. The credit reporting agencies involved in this matter are XXXX, Equifax, and XXXX. 

I have attached a copy of my credit report with the disputed inquiries highlighted. Please assist me in resolving this issue promptly in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX Three charges were made on my card in California when I was in Arizona. 
XX/XX/XXXX - XXXX  {$110.00} XX/XX/XXXX - XXXX XXXX {$61.00} XX/XX/XXXX XXXX XXXX {$21.00} I saw the charges and reported them to Capital 1, canceled the card and they opened an investigation. XX/XX/XXXX I received a letter saying they didn't believe it was fraud and left the charges on my account. I called the fraud department and they wouldn't help me, I still have these charges on the account. I have not used this account since. I don't even have a physical card. I did not receive a new one. I offered to share any proof that I was not responsible for these charges, as I was not even in the same state and there are no other authorized users but they didn't care. 
This morning XX/XX/XXXX I woke up to a text from capital one about a suspicious charge, I opened my account and there were somehow 5 charges at a a XX/XX/XXXX and a casino in XXXX. 
XX/XX/XXXX - XXXX {$1.00} XX/XX/XXXX - XXXX {$6.00} XX/XX/XXXX - XXXX {$63.00} XX/XX/XXXX - XXXX {$30.00} XX/XX/XXXX - XXXX {$1.00} XX/XX/XXXX- XXXX XXXX {$430.00} I called immediately, notified the agent that this was fraud, and asked how it could happen as I have no card activated. He did not give me any explanation but just opened another report. I asked to confirm the card is cancelled/deactivated. I asked for email confirmation but they won't send me anything but a letter. 
The agent on the phone informed me a card was sent on XX/XX/XXXX. I never received a card. I did not activate any new card, and I have now locked my account online. I told the agent this but he did not have any answer for me on this. He kept reading whatever script he had and I didn't receive any helpful information. 
I have been with this company for 6 years and have not had an issue until now. I am so disappointed in the customer service and can not afford these charges that were not me, but are fraud. I don't know what else to do but report this here.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I sent a certified letter out on XX/XX/2022, XX/XX/2022 to Experian, XXXX, and XXXX. Here is my tracking numberXXXX, XXXX, XXXX, XXXX, XXXX, XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to.

How did they complete this investigation.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I disputed an account from XXXX XXXX XXXX XXXX {$1900.00} with Experian on XXXX XXXX and Experian stated the information was certified to them as accurate but ive never recieved a bill or anything from either company stating how the information on my report is right..also XXXX XXXX XXXX is on my account when i disputed the account XXXX would add an extra $! XXXX to the balance to make it {$660.00} i reported it but experian hasn't done anything about it... 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are on my account as inquiries that i didn't do but yet Experian will not remove them i would like for Experian to send all investigation documents and evidence showing that these accounts and inquiries belong to me within 30 days..
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (OH)

My account with US Bank has been set to close since the XXXX of XXXX which is exactly a month ago. Since then I have received no correspondence to this affair and my funds are being held for reasons unknown as the closure process has yet to be initiated and all " fraudulent activity '' on my account and on my funds were authorized by myself as well as confirmed with staff to be done on my own accord. After receiving an exceptionally corporate and unperson-able response to my last complaint, I would like to point out you have committed fraud yourself by lying about a piece of correspondence which you claim was sent and responded to XX/XX/XXXX when I have only just received it in the mail yesterday as of XX/XX/XXXX. Spoiler alert, mail within the united states takes a maximum of three business days to reach your recipient. Stop the XXXX, give me my remaining funds and you can stop wasting my time. What an unprofessional financial institution, stop with the corporate XXXX and give me my remaining funds before you face a legal battle that will cost you more than the funds that remain.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX  XXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} ; US DEPT OF EDUCATION XXXXX Balance : {$0.00} ; XXXX XXXX XXXXX Balance : {$280.00} ; XXXX XXXX XXXXX Balance : {$200.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-11-21
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. (CA)

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries listed on my credit report. As a victim of a data breach, I have reason to believe these accounts and inquiries were made fraudulently and without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request that these items be promptly blocked and removed. 
Fraudulent Accounts : 1. Creditor Name : XXXX XXXX XXXX  Account Number : XXXX XXXX Date Opened : XX/XX/XXXX o Balance : {$470.00} 2. Creditor Name : XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX  Balance : {$2600.00} 3. Creditor Name : XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$510.00} 4. Creditor Name : XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$150.00} XXXX. Creditor Name : XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$290.00} 6. Creditor Name : XXXX XXXX XXXX  Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Balance : {$630.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Balance : {$410.00} 8. Creditor Name : XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$290.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$410.00} XXXX. Creditor Name : XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$00.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

card is set up on autopay has been for about a year. all of a sudden in XXXX the auto payment did not go through, and i got a late fee. I called capital one and they say they have no information as to why it didn't go through, I told them it's a bank error but they are saying it must have been something you did. I'm telling them I am looking at the online banking now and i still see that its on autopay so how is it something i did? XXXX went through perfectly but not XXXX? i am asking for capital one to fix this bank error.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, 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. (TX)

Inquiries are being reported on my consumer report that I did not authorize nor consent too. Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A person ( Experian ) shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ) I'm informing you that the information is inaccurate and consent wasn't given
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$6400.00} Consider this as my follow-up complaint to make sure that the account is validated.