davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
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. (TX)

I requested to have the XXXX XXXX Bank trade removed from all CRAs. 

XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
I have received no documentation with my signature that this is my account. Violates my rights under FCRA. Please remove this fraudulent trade from all CRAs.
Consumer complaint received 2017-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed online with TransUnion Account XXXX XXXX XXXX XXXX in the amount of XXXX dollars. This was listed on my Transunion report this is not my account. I have had a problem with identity theft so I have alerts set up when something is added to my credit report. I want Transunion to verify this information to which they can not. I want this item deleted from my credit report immediately. I will also be mailing Transunion a dispute letter from my attorney.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I am disputing unvalidated late payments on my credit report. Despite my written dispute over XXXX XXXX XXXX  you have failed to respond or provide the required validation, violating the Fair Credit Reporting Act. You must immediately remove these disputed late payments from my consumer report.
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (MD)

On XXXX XXXX, XXXX I submitted correspondence to Synchrony Bank because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Synchrony Bank on XXXX XXXX, XXXX.
Consumer complaint received 2024-11-19
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: TRUIST FINANCIAL CORPORATION (CA)

I dispute the following hard inquiries on my credit report from Lightstream on XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( XXXX U.S.C. XXXX ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.
Consumer complaint received 2020-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MI)

Enhanced Recovery Company ( ERC ), based in XXXX Florida, Has continuously pressured me into paying a bill that I do not owe at all.I never had XXXX phone service or XXXX XXXX XXXX which enhanced recovery is trying to force me to pay, I have reported to this collection agency that I do not owe a debt continuously over the last year. They continuously harassed we continuously harm my credit filter produce in the written verification of debt which is required under federal law.Enhanced recovery have been violating the fair credit reporting act.Please force them to remove all fraudulent items off of my credit report or non-verifiable information
Consumer complaint received 2017-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed a bankruptcy that is being reported on my credit file with transunion. I enclosed documentation advising XXXX has removed the information from their files and is not reporting on their file they maintain on me. I also included in my correspondence with them that the letter from the US Bankruptcy Court Northern District that they do not perform any activites with the credit bureaus which include verification/validation of the file. After submitting all the information and disputing the file that Transunion maintains, they continue to " verify '' the record on my credit file. I requested the means to which they verify their information, and informaed them I do not consent to any electronic verification, they still refuse to furnish the information to me as how they verified this record. 
Their failure to furnish me the verification meathod and the fact that they continue to " verify '' this record in my file is a blatant violation of my consumer rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AR)

My XXXXXXXX XXXX business debit card was stolen and a charge was made fraudulently without our consent. I filed a dispute with XXXXXXXX XXXX on XX/XX/2024. I was told a provisional credit would be credited to our account in 1-3 business days while a investigation be conducted. Today I was not able to access account as if it is closed. I also never received a dispute confirmation number or email. I request that this situation be governed for constructive fraud being caused by this major bank.
Consumer complaint received 2024-11-05
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. (TX)

Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CT)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-30
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. (SC)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-30
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Automotive XXXX XXXX XXXXXXXX Finance/Personal XXXX XXXX XXXX Someone gained access to my personal information without my consent and applied for credit. As a consumer this violates my rights. Hard Inquiries 18 USC 1028A Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. These unauthorized hard inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law.

15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes.

15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.
Consumer complaint received 2024-11-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION (AL)

This is for Regions bank my account got hacked the first day, I deposited a check in savings account the check was real I paid the fee to cash it they wouldn't release my funds Everytime I tried to arbitrate they wouldn't let me, I'm on XXXX XXXX they want let me open a savings or checking account very rude and disrespectful the employees. My whole XXXX check came up missing they wouldn't let me arbitrate call the police Everytime already had money up there
Consumer complaint received 2024-11-06
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. (NY)

In accordance with the Fair Credit Reporting act true accord corporation has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 12 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This account is inaccurate and against the law to furnish on my report. Account name XXXX XXXX XXXX THE GENERAL IN COMPANY. Please remove this account from my report thank you
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

" 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. ''
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XX/XX/year>, XXXX XXXX XXXX XXXX reported XXXX XXXX account as " 30 days '' late. This resulted in XXXX XXXX credit score ( s ) dropping " 60+ '' credit score drop across all 3 credit bureaus : XXXX, XXXX XXXX and TransUnion XXXX 

On XX/XX/year>, XXXX XXXX XXXX XXXX reported XXXX XXXX account via Consumer Financial Protection Bureau website as THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. 

Your agency been provided proof XXXX XXXX credit scores initially dropped XXXX points In XX/XX/year> across all 3 credit bureaus : XXXX, XXXX XXXX and TransUnion due to incorrect credit reporting, by Select XXXX XXXX XXXX You have been provided proof Select Portfolio XXXX XXXX has corrected & updated XXXX XXXX account with the correct information stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. If your agency has reported no late payments listed for XX/XX/year>, from XXXX XXXX XXXX, XXXX XXXX credit score should be immediately restored & increased by XXXX points by your agency. 

Reducing XXXX XXXX credit score ( s ) by XXXX points based on incorrect information is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. Any refusal to restore XXXX XXXX credit scores by the XXXX points your agency initially took from him in XXXX of XXXX  ( based on incorrect information ) is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. 

On XX/XX/year>, XXXX XXXX XXXX XXXX provided your agency proof via Consumer Financial Protection Bureau website they corrected XXXX XXXX account stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. Thus, correcting their mistake in XX/XX/year>. 

Therefore, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., XXXX XXXX credit score ( s ) should be immediately restored/increased XXXX points by all 3 credit bureaus : XXXX, XXXX, and TransUnion. The corrective actions by your agency should result in XXXX XXXX credit score ( s ) increasing by XXXX points and ranging from ( XXXX ) points respectively.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax 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 fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-30
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)

" 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. ''
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Information reporting on my credit report is incorrect! In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights Section 605B. It is illegal to report information on my credit report without my permission. A charge off is being reported on my credit report which I haven't received a 1099 c form stating that the debt is cancelled. If the debt was cancelled why is there a balance on my account which is reporting as income on my credit report which is illegal! 


Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$18.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$18000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$22000.00} Highest balance - Terms XXXX  Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX CO XXXX CO XXXX XXXX CO XXXX Current / Terms met XXXX Past due XXXX  days