davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within the creditors standard 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX XXXX : Upon reviewing my account, I identified that my payments, which were made on time, were incorrectly processed as late due to a system error on the creditors part. This error led to the account being reported as delinquent without proper cause. 
Evidence Provided : I have attached my bank statements and payment confirmation emails showing that the payment was processed, clearly demonstrating that no 30-day late payment should have been reported. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (LA)

I consolidated my private loans from XXXX to XXXX. Upon XXXX disbursing a check and a letter for any amount in excess of the outstanding loan balance to the loan holder, XXXX gave a refund in excess of the full loan amount. For the exact amount of the refund checks sent to me, the loan holder, they serviced the loans to a XXXX loan-servicing company. This was done unbeknownst to me. I received refund checks from XXXX along with a new loan notice from a company I did not consolidate with, AES. In brief, XXXX deceptively disbursed the loan in full to XXXX, gave me a " refund '' that was the exact amount as the amount sent to a third party service provider in order to collect monthly interest.
Consumer complaint received 2024-10-25
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. (MA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. 

I am filing this Affidavit to report 5 fraudulent account ( s ) appearing on my consumer FICO XXXXcredit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX on XX/XX/XXXX under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-10-02
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)

This morning, I was really upset to find inaccurate accounts on my credit report. I check it regularly, and suddenly, there are discrepancies that dont make any sense. I thought it might be a glitch, so I refreshed my browser, but it didnt fix anything. Im asking that the documents I sent be looked at thoroughly so that I can stop worrying about this situation.
Consumer complaint received 2024-10-17
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. (NV)

Subject : Dispute of Inaccurate Reporting Violation of FCRA 623 ( a ) ( 3 ) and UCC To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX regarding the account listed below. I believe that this account is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). 

Account Information : - Creditor : XXXX XXXX - Open Date : XX/XX/2024 - Amount : {$410.00} According to the letter I received from XXXX XXXX  ( attached for your reference ), this account was returned to the original creditors. As such, it should be deleted from my credit file. Furthermore, the account is not accurately reflecting the payment status. It is imperative that credit reporting agencies report accurate information, including the status of accounts as paid less if that is the case.

The failure to report this information accurately constitutes a violation of the FCRA, specifically Section 623 ( a ) ( 3 ), which requires furnishers of information to provide accurate and complete information to credit reporting agencies. The inaccurate reporting of this account has negatively impacted my credit report and, consequently, my credit score. 

Given these facts, I demand that you investigate this matter and remove the account from all credit files with your agency. Please confirm receipt of this dispute and provide me with the results of your investigation in writing. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Attachments : 1. Letter from XXXX XXXX
Consumer complaint received 2024-08-14
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)

This is in reference to the Inaccurate accounts being reported on my consumer report. I am asking that the records of these accounts be mailed to be. These inaccurate reporting have cause me to be denied for credit and moving into a home. This is not a third party filing this report My name is XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-02
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. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-25
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)

I previously disputed these accounts with the relevant credit bureau ( TRANSUNION ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation. 

The details of my dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since the credit bureau could not verify the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report. 

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports. 

I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help
Consumer complaint received 2015-04-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (IL)

XXXX/XXXX/15 -- Due to recent concerns about possible identity theft, I filled out and postal mailed an " Annual Credit Report Request Form '' to Annual Credit Report Request Service, XXXX. XXXX XXXX, XXXX, XXXX XXXX. Due to the language on the form, I included photo copies of my valid XXXX Driver 's License and Social Security Card. 
XXXX/XXXX/15 -- To date still have not received a report from Equifax. My understanding of the " The Fair and Accurate Credit Transactions ( FACT ) Act '' states I ought to be entitled to a copy of my annual credit report from Equifax. The other XXXX companies, XXXX and XXXX were professional in their respective responses. 
Several phone calls into Equifax have been unsuccessful.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My account with XXXX AND DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX AND DEPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX - My card is fraudulently used on a {$3.00} charge to XXXX XXXX XXXX. I didn't notice because I had never once used this card and never set up autopay. 

XX/XX/XXXX - I prequalify to buy a home ( Attachment 1 ). 

XX/XX/XXXX - I receive an email from my XXXX credit card monitoring service ( Attachment 2a ) notifying me that a 120-day overdue balance has been added to my credit report. I check my report and see the {$3.00} overdue balance and immediately log into XXXX and pay the balance plus interest ( a grand total of {$6.00} ) the same day ( Attachment 2b. 

XX/XX/XXXX - I get a home under contract ( Attachment 3 ), but two days later on XX/XX/XXXX my VA lender informs me my credit score has nose-dived to XXXX due to the late payment hitting my credit report ( Attachment XXXX ). My XXXX score was in the XXXX range on XX/XX/XXXX ( Attachment XXXX ). 

XX/XX/XXXX - I call XXXX and report the {$3.00} transaction as fraudulent ( CASE # XXXX ). They pass me back and forth to a few departments and tell me I'll receive a letter with the results ( Attachment XXXX ). The same day I received a letter from XXXX saying the case had been resolved in my favor, and they credited the {$3.00} back to my account ( Attachment XXXX ). 

XX/XX/XXXX - I create a TransUnion account and dispute my late payment history since the Fair Credit Report Act forbids reporting derogatory information resulting from fraud. I received the results on XX/XX/XXXX, but the late payment history was still there, so I disputed again on XX/XX/XXXX and received the same non-result on XX/XX/XXXX ( Attachment XXXX ). Same thing with XXXX and XXXX but only XXXX dispute each. 

XX/XX/XXXX - XXXX VA mortgage application is declined ( Attachment XXXX ). 

XX/XX/XXXX - After multiple extensions, the seller terminated my contract, and I lost {$5200.00} in earnest money, inspection, appraisal and other fees ( Attachment XXXX ).
Consumer complaint received 2024-10-24
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. (PA)

I was in disbelief when I noticed inaccurate accounts on my credit report earlier today. I regularly check my credit, and everything was fine before, but now, these discrepancies showed up without warning. I even refreshed my browser, hoping it was just a technical glitch, but the errors remained. I am requesting a thorough review of my documents to ensure this never happens again, as its caused me a lot of stress.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 bondage, which falls under trafficking according to Trafficking-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 Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX Account number : XXXX Balance : Balance : {$3600.00} XXXX  Account number : XXXX Balance : {$730.00} XXXX XXXX XXXXXXXX Account number : XXXX Balance : {$3800.00} XXXX XXXX  Account number : XXXX Balance : {$0.00} XXXX XXXXXXXX Account number : XXXX Balance : {$0.00} XXXX  Account number : XXXX Balance : {$440.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$440.00}
Consumer complaint received 2024-10-25
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
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: EQUIFAX, INC. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-17
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. (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 :XX/XX/XXXX Account Number : XXXX Account Name : DEPARTMENT OF LABOR XXXX Account Number : XXXX and list of Inquiries 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 2024-10-17
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)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Incorrect Information XXXX XXXXXXXX XXXX XXXX IncorrectPersonalEmployers XXXX XXXX XXXX  - Incorrect Employers XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX XXXX XXXX Incorrect addresses XXXXXXXX XXXX XXXX  - Incorrect Names