davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
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. (AL)

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 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 inructions 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 2023-12-09
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. (CA)

Base on a recently obtained copy of my credit report I do not recognize nor requested credit from these entities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My debit card was used to purchase things from XXXX XXXX for {$190.00} in XXXX XXXX, CA. XXXX and XXXX XXXX {$22.00} in XXXX XXXX, CA. XXXX XXXX {$5.00} XXXX XXXX XXXX, CA. XXXX XXXX XXXX {$15.00} and {$10.00} XXXX XXXX, CA. These purchases were not made on XX/XX/XXXX and also not by me as I was in XXXX XXXX, CA at the time. I noticed my card was gone when I went to XXXX in the box on XX/XX/01 and had to use my phone to pay and when I got to my job I checked my account to lock the card and noticed the charges. Ive called my bank twice and at first they refunded everything, but on XX/XX/01 they declined my claim. I called them again and they said they declined it because I never reported the elite smoke charges even though I did so they refiled the claim. Then, I got an email saying they declined the claim and when I called again they told me its because they needed proof that I didnt use the card. However, they approved the claim for XXXX XXXX XXXX, but declined the other ones. Im unsure on how to get proof other than me buying food at XXXXXXXX XXXX XXXX XXXX in XXXX XXXX and my card being used at XXXX XXXX around the same time. I would appreciate any help thank you so much.
Consumer complaint received 2023-12-10
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: CLGF Holdco 1, LLC (IL)

I saw an inquiry on my XXXX credit report that I did not authorize on XX/XX/2023. I checked my credit reports after I received some emails congratulating me on being approved for a new credit card. An inquiry from XXXX XXXX appears on my XXXX credit report now. I attempted to contact the company supposedly behind the issuance of the card and I am not certain that I made the correct move and that they were the proper contact. I can't bring myself to fully trust them or my efforts, so I am told by a XXXX representative to file a formal report. They want me to provide them a copy of the report so that they can proceed with their investigation. This company told me that they had not sent a card out yet, but if it is mailed it should not be active. I am quite not sure how that works. I immediately put a security freeze on at all XXXX credit bureaus. I hope that I will be able to remedy this as soon as possible. I have never applied for credit cards that charge annual fees and the interest rates are bad enough if you do not have stellar credit scores. In the future, I will maintain a security freeze on all my reports and I encourage others to do the same. Please assist accordingly. 
Thanks!
Consumer complaint received 2023-12-10
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. (FL)

For almost two. months I having been requesting Experian and XXXX delete an inaccurate information on my credit report. I never lived nor had any association with that address. I am being told it can't be deleted because it was reported and verified by XXXX XXXX. That information is inaccurate since I never live nor provided that address to XXXX XXXX. I believed XXXX XXXX found someone with the same name and is using that address. 

XXXX XXXX is sending emails and letters to my update my address, because the mails are not being delivered. Of course not because I don't live and never did live there, why would I update my address to where I never lived. But yet, The credits Bureaus are claiming the information as been verified and is correct. The same way the credit bureaus are asking me to provide documentation, why don't they ask the creditors like XXXX XXXX to provide documentation for information prior to putting the INACCURATE information a consumers report.
Consumer complaint received 2023-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

While looking for a property in XXXX, I opened an account at Capital One XXXX XXXX Branch on XX/XX/2023 and deposited {$500.00} transferred from XXXX  XXXX XXXX . I've already relocated from XXXX to XXXX XXXX, New York, and purchased a home. 

When I attempted to use my Capital One account in XXXX after I moved to New York, the the account and money were held, and I was told that my account will be canceled and the {$500.00} will be transferred back to XXXX  XXXX XXXX. However, they canceled my Capital One account in XXXX and the remaining {$500.00} was not remitted to my XXXX account with the ending four digit XXXX. 
I went back and forth between Capital One and XXXX in XX/XX/2023 and both bankers examined the Capital One and XXXX apps, but none showed the {$500.00} reimbursement that had been returned to the XXXX account XXXX. 
According to the XXXX banker, Capital One withdrew {$500.00} from my previous Capital One account rather than transferring it to XXXX, as indicated as " Withdrawal '' in the statement. 
Please assist in conducting additional research and contacting Capital One. Please recover my Capital One bank account and make the {$500.00} available for withdrawal or mailing to my current address. 

I desperately need this money, and it will be XXXX XXXX. Please refund {$500.00} to me as soon as possible. Thank you really much!
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am writing to formally dispute and bring to your immediate attention a significant inaccuracy that I have identified in my credit report, as provided by your agency. The discrepancy pertains to the reporting of outdated information related to the following closed credit card accounts : Account 1 : Creditor Name : USAA SVG BK Account Type : Credit Card Status : PAID Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Limit : {$2800.00} Last Reported : XXXX XXXX, XXXX Account 2 : Creditor Name : XXXX XXXX Account Type : Credit Card Status : PAID Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Limit : {$22000.00} Last Reported : XX/XX/XXXX The reporting of these closed accounts with outdated information is not only misleading but also damaging to my creditworthiness. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date reporting of my credit history. I kindly request an immediate and thorough investigation into the following discrepancies : Outdated Last Reported Date : The last reported date for both accounts is outdated and does not accurately reflect the current status of these accounts. The information has not been updated since XXXX XXXX, XXXX, and XX/XX/XXXX, respectively. 
I request that you investigate these discrepancies promptly, verify the accuracy of the information with the relevant creditors and furnishers, and correct any inaccuracies found during your investigation. Additionally, I request that you provide me with a copy of the corrected credit report once the investigation is complete. 

I have enclosed copies of the relevant portions of my credit report, highlighting the discrepancies for your reference. Please consider the supporting documentation attached. 

I am confident that your immediate attention to this matter will lead to the necessary corrections, ensuring that my credit report accurately reflects my current financial history. I anticipate receiving a written response outlining the results of your investigation and the actions taken to rectify these inaccuracies. 

Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2023-12-11
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. (NY)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-12-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc. (CT)

As compensation for a program in which I participated in XXXX of XXXX, I received two prepaid cards from " Prepaid Digital Solutions '' for {$590.00} each. I tried to use the cards, but wasn't able to charge purchases to it. Before trying again, I contacted " Prepaid Digital Solutions '' to confirm the balance. They told me the card numbers are expired. I asked them to reissue the card numbers but they refused and told me the balance on the cards is forfeited. I was not aware that a prepaid credit card can have an expiration date, let alone one that is so short ; else I would have tried harder to get it to work it before that date.
Consumer complaint received 2023-12-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc. (NV)

My boyfriend works at the XXXX warehouse and he used his discount to get me these items as a gift. My afterpay account was the payment method. On XX/XX/2023, I bought a XXXX airwrap and a living proof hair spray from XXXX using afterpay. My package with the living proof hair spray was received on XX/XX/XXXX in my package locker. My XXXX XXXX package did not update until XX/XX/2023 in which it said it was delivered on XX/XX/XXXX XXXX hours after the first package and that it was signed for. I live in an apartment complex in which the lobby does not sign for nor accept orders on our behalf and they have to come directly to us or place it in a package locker. I was not home at this time so if someone signed for the package it was not me. I called XXXX customer service several times to which they refused to refund or redeliver my order. They also told me to contact the delivery company. I called the delivery company ( Deliver-It ) in which they dont have a customer service department and only an online form is available. This company is also notoriously known for stealing packages! I decided to file a police report and got it approved. XXXX customer service was called again and I spoke to XXXX, a floor manager, in which she said she STILL would not be able to refund or redeliver my item as it still says it was signed for. EXCUSE ME? A signature does not mean that I signed for it? I explained this to them and how I was working and obviously not home so I did not sign it. It is the companys job to ensure a package gets to me! I also told them I have a police report to which they STILL refused to accommodate me! I tried to file a dispute with afterpay but they no longer have a phone number available and do everything online. The company had only three options, a cancellation, a refund request with proof of refund from the merchant, or goods not received option. I chose the goods not received option and was told that they could not do anything about it and to contact the merchant again. This whole process is ridiculous as my next installment payment is coming up on XX/XX/XXXX to which XXXX paying {$390.00} for something that I DO NOT HAVE!
Consumer complaint received 2023-12-11
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. (TX)

My identity was stolen. I contacted these companies previously and advised them that these accounts did not belong to me and it was identity theft. They have refused to block these accounts and are violating my rights. They are also damaging my credit score as well as my ability to live properly.
Consumer complaint received 2023-12-11
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. (CA)

I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below. When you get this complaint that includes my identification and FTC report please BLOCK and DELETE these fraudulent accounts fro my report.
Consumer complaint received 2023-12-11
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. (GA)

The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. My Account Names and Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-12-11
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. (MI)

XXXX, Experian, XXXX and XXXX XXXX Is reporting a bankruptcy on my credit report and they have put in the data furnisher as the US BANKRUPTCY COURT FOR THE XXXX XXXX OF MICHIGAN of which is false. I have attached a letter from the Bankruptcy court of verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. XXXX, Experian, XXXX and XXXX XXXX Is falsely stating on my credit report and have yet to remove this from my credit report.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-12-11
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. (TX)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2023-12-11
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: CORELOGIC INC (GA)

I dont lived at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXXXXXX XXXX XXXX XXXX, ga XXXX, XXXX XXXX XXXXXXXX XXXX XXXX ga XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX ga XXXX or XXXX XXXX XXXX XXXX new york XXXX. 15 usc 1681 B I have a right to privacy and the consumer reporting agency continue to violate my rights and wishes. The only address that should be on file is Rural free delivery, non domestic, Georgia XXXX XXXX. There is no law that says any credit reporting agency can report this information without my consent and i say no period My name is XXXX XXXX XXXX nothing else but that
Consumer complaint received 2023-12-11
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. (AZ)

To Whom It May Concern : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX