davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
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: WELLS FARGO & COMPANY (CT)

i want them to be removed. 

XXXX 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity ThefXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft WF BANK NA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NH)

I am filing this complaint due to Equifax 's mishandling of my identity theft report and its failure to comply with FCRA XXXX XXXX. Despite my submission of a XXXX deletion request on XX/XX/year>, through CFPB complaint # XXXX, Equifax has not removed fraudulent accounts from my credit report within the legally mandated XXXX business days. My request included a sworn crime report, proof of identity, and proof of address. Multiple follow-up calls with Equifax supervisors have not resolved this issue. 

Timeline of Events and Relevant Details : XX/XX/year> : Submitted a XXXX deletion request to Equifax with all required documentation to block fraudulent accounts via CFPB complaint # XXXX. 

XX/XX/year> : Contacted Equifax to check the status of my request. XXXX XXXX ( XXXX # XXXX ) indicated that the dispute was still under investigation, despite XXXX not requiring creditor verification. 

XX/XX/year> : XXXX XXXX ( XXXX # XXXX ) reiterated that the dispute was ongoing. I reminded him that FCRA XXXX XXXX mandates no further investigation once an identity theft affidavit is submitted. 

XX/XX/year> : XXXX XXXX ( XXXX # XXXX ) stated that my XXXX request could not be blocked and that I would need to wait XXXX  days, contradicting the laws XXXX processing requirement. 

XXXX XXXX XXXX XXXX  Spoke with multiple Equifax representatives XXXX clarify my request : XXXX, XXXX Department XXXX XXXX ( XXXX # XXXX ) incorrectly opened a regular dispute rather than a XXXX block. 
XXXX XXXX ( XXXX # XXXX ) : Informed me that he could not assist with the fraudulent account issue. 
XXXX XXXX ( XXXX # XXXX ) : Stated that she could not help ( Complaint # XXXX ). 
XXXX XXXX ( XXXX # XXXX ) : Claimed that Equifax employees could not review dispute documents and only the back-office team could handle this task. 
Concerns and Requests : Equifax has repeatedly mishandled my XXXX deletion request, treating it as a standard dispute and ignoring legal requirements to block fraudulent accounts without further investigation. This has resulted in delays that violate my rights under FCRA XXXX and XXXX.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

I have been a victim of identity theft since at least  X/XX/2017  . I filed  an initial fraud alert with  XXXX  and they forwarded it to  XXXX  and Equifax. I received confirmations from   XXXX   ( dated   X/XX/2107   ) and   XXXX    (  dated   X/XX/2017   ).     Per best practices, I need to review all  XXXX  credit reports for fraudulent activity to correct it as well as to inform the investigating police agency (   XXXX   XXXX   XXXX   [  XXXX   XXXX  CO  ] Police Department )    XXXX   XXXX   information notes " An initial fraud alert entitles you to a copy of all the information in your file at each of the  XXXX  nationwide agencies ... ''. However, I 've tried the various phone  XXXX  options on each of the phone numbers given in the confirmations (  XXXX ,  XXXX ,  XXXX  ) as well as that of   XXXX   XXXX   XXXX   (  XXXX  ).     No matter which combination I tried, I ended up in the automated phone system to request the standard credit report. Even when I pursued this option it failed because it could not confirm my identity. In another case, because the system hung up on -- selling me -- my credit score and would not go on. At no point was I given an option to speak to a human being.     I was repeated referred to  XXXX  and finally tried that. There was no option to request the extra credit report that I am hypothetically entitled to as a victim of identity theft. My attempt to order my   XXXX   credit report failed because I had already requested it once it the last year. My attempt ( on  XXXX  ) to order a second report (  XXXX  I believe ) failed because my eyes are no longer good enough to pass most Captchas particularly those with ragged text on multi-colored backgrounds and those asking  one to  click on the pictures that have  X ( c ars, traffic signs, boats ) in them.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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. (IL)

I'm asking for your assistance in dealing with the incorrect account thats showing up on my credit report. This issue has harmed my reputation, and I urgently need your help to correct it. The inaccurate reporting has caused me significant personal and professional damage. Please remove these false details from my credit record.
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2024-10-16
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. (OH)

XXXX XXXX is reporting inaccurate to Experian, XXXX and XXXX. I have never been late on any payments. Date XX/XX/XXXX, amount {$550.00}. I tried contacting XXXX XXXX asking to have my account updated to paying as agreed on all three bureaus. I was advised that my request would be forwarded to the proper department to review and update. Nothing has been updated on any of my credit bureaus. XXXX XXXX, Experian, XXXX, and XXXX is violating my rights as a consumer under Section 15 USC 1681A.

There are about 30 inquires reporting on all three of my bureaus that I never authorized or gave consent to anyone at the reporting companies to run my credit. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Experian is reporting unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX. 
XXXX is reporting unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX is reporting unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-10-15
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)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to XXXX promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
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)

This is really worrying, my credit report has items that have resulted from fraud which I never benefitted from.

This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am filing a complaint regarding an inaccurate late payment reported by XXXX ( XXXX XXXX ) on my credit report. This late payment is reflected on my Experian credit report under the following account details : Late Payment Reported : 1 late payment reported in XXXX  Despite my consistent on-time payments, this late payment was reported incorrectly. I have contacted Experian directly to dispute the error, but the issue remains unresolved. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Legal Violations : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy of the information in credit reports. This information is inaccurate, and I have provided supporting documentation to show that the payment was made on time. 
15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If information is found to be inaccurate or unverifiable after a reinvestigation, it must be removed or corrected by the credit bureau. Experian has not corrected this error after I initiated a dispute. 
15 U.S.C. 1666b : A creditor ( XXXX ) may not treat a payment as late unless reasonable procedures are in place to ensure the billing statement is delivered no later than 21 days before the payment due date. XXXX has not provided any proof that these procedures were followed. 
Impact : The erroneous late payment on my credit report has caused significant harm to my credit score, affecting my ability to secure credit on favorable terms. Additionally, the stress and XXXX  caused by this error have impacted my well-being, as this incorrect information reflects negatively on my creditworthiness.
Consumer complaint received 2024-10-15
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. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE.

THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT.

SEE ATTACHED XXXX
Consumer complaint received 2024-10-15
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 am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

According to XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX and Experian is supposed to ensure maximum accuracy. This account violates these laws, 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. Delete this account immediately.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

I have a Citi custom cash XXXX with a {$9400.00} credit limit. I made some large purchases and did not have any credit available. I made XXXX payments XXXX from the Citi website coming out of my XXXX Checking account on XX/XX/22 in the amounts of {$4500.00} and {$3100.00} for a total of {$7700.00}. 

The money came out of my account on XX/XX/22 and was credited to the account but they have not credited it towards my credit limit. When I called Citi they told me their was a hold on the payments because I made multiple payments in one billing cycle, I only did this because I needed the credit available. they told me the hold will be in place until XX/XX/XXXX. That is 9 business days after the money has left my account and they received the funds. 

XXXX transactions should clear in 3 days not 9! They had no problem taking the money from me and are now holding it, interest free. This is unacceptable.
Consumer complaint received 2024-10-15
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. (AR)

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - {$140.00} Please block this information from my credit report within XXXX business days, pursuant to Section XXXX of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-15
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. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed account to be blocked and deleted company information from Experian. 

Please delete the following account : XXXX XXXX Account number : XXXX Balance : {$570.00}
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.