davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have disputed with XXXX XXXX TransUnion these found accounts. These accounts ... .lm askin to be removed ... .. Due these accounts showing doesn't belong to me the disputes lasted over 90 days then I won the dispute. Then l received a written letter statements saying they were going to remove but pinstead these accounts still found on my credit report XXXX XXXX account # XXXX in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-06
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. (GA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of {$3300.00} that appears related to the personal loan account opened at XXXX XXXX XXXX XXXX. This account have resulted in fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned collections as reported. The aforementioned collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned collection are the result of identity theft and fraud.
Consumer complaint received 2024-10-06
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. (MS)

i have sent letters to the furnisher as well sent a complaint to all XXXX agencies about Account : XXXX XXXX XXXX, they are not license in the state of XXXX  to do business as a debt collector and reporting inaccurate information on my credit report and needs to be deleted.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite the multiple previous written requests, the unverified accounts listed below still remain 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 verified that these accounts are being reported correctly? Who verified these accounts? 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 ... 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 accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

Dear CFPB Team, This is a formal follow-up to my ongoing complaints against Experian ( Complaint Numbers : XXXX and XXXX ). Despite multiple submissions of extensive documentation, including FTC Identity Theft Reports and deletion letters from the original creditors, Experian continues to demonstrate a pattern of malicious non-compliance and intentional misrepresentation. Their actions reflect clear violations of the Fair Credit Reporting Act ( FCRA ) and FTC identity theft protections. 

Key Issues Highlighting Experians Malicious Intent : 1. False Certification Claims by Experian : Experian has repeatedly asserted that the disputed accounts have been certified as accurate by the original creditors. This is a blatantly false claim. The original creditors have already deleted the accounts, acknowledging their fraudulent nature after thorough reviews. I did not request certification ; I requested transaction histories and account-opening documents. The fact that Experian is using false certification claims demonstrates their intent to mislead both me and the CFPB. 



2. Failure to Provide Legally Required Documentation : Despite numerous requests, Experian has failed to provide the transaction histories and account-opening documents necessary to substantiate the legitimacy of these accounts. I am fully aware that these documents will not be provided, as the creditors themselves have already chosen to delete the accounts rather than conduct a further in-depth investigation. Experians refusal to act on this and their continued reporting of these fraudulent accounts shows a clear lack of transparency and a deliberate attempt to evade responsibility. 



3. Experians Continued Violation of Identity Theft Protections : Under the FCRA and FTC identity theft protections, Experian is obligated to block or delete accounts proven to be fraudulent. I have provided FTC Identity Theft Reports, deletion letters from creditors, and proof of identity, yet Experian has continued to act in bad faith by refusing to delete these accounts. This ongoing refusal represents a clear failure to comply with federal law and demonstrates malicious intent in their handling of my case. 



4. Intentional Misrepresentation and Delay Tactics : Experians continued use of false certification claims, combined with their failure to act on the identity theft documentation and creditor deletion letters I have submitted, clearly indicates an effort to delay and mislead. This behavior is not just negligent ; it is intentional and systemic. Even if Experian ultimately deletes the accounts, their lack of transparency, dishonesty, and repeated misrepresentation raise serious concerns about their compliance with consumer protection laws and warrant immediate investigation.
Consumer complaint received 2024-10-05
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. (GA)

I have disputed with all three credit bureaus, regarding the XXXX child support accounts reporting on my credit report. 
All companies have reported back stating that this account was verified and updated. 
This account was last reported in XX/XX/year> as closed and it is now seven years later and it is still reporting.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC (IL)

Please help all my Consumer Rights has been Violated.

15 USC 1681b ( 2 ) In accordance with the written instructions of the Consumer to whom it relates 15 USC 1681A Respect for the Consumers Right to Privacy 15 USC 1681O Civil liability for negligent noncompliance 15 USC 1692C C
ommunication in connection with debt collection 15 USC 1692D ( 2 ) Harassment or abuse 15 USC 1692E ( 2 ) ( A ) Fale or misleading representations
Consumer complaint received 2022-04-02
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: EQUIFAX, INC. (IA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor are they related to anything I did. Im unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-10-05
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. (TX)

I am writing to urgently notify you that I have become a victim of identity theft, resulting in several fraudulent accounts being added to my credit report. These unauthorized accounts were opened without my knowledge or consent, and I am requesting immediate action to resolve this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an official identity theft report with the Federal Trade Commission XXXX FTC ) and formally request the removal of these fraudulent accounts to restore the accuracy and integrity of my credit report.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Subject : Dispute of Fraudulent Account and Past Due Balance To : Capital One XXXX XXXX XXXX I am writing to formally dispute a past due payment of {$530.00} associated with a Capital One credit card account, which was reportedly opened on XX/XX/XXXX, and closed on XX/XX/XXXX. My name is XXXX XXXX, and I have received multiple letters regarding this debt. However, I have no recollection of ever opening this account, and I strongly believe it was created fraudulently as a result of identity theft. 

Since I did not authorize the opening of this account, I am requesting an immediate investigation and appropriate resolution. I have already filed a report with identitytheft.org and am in the process of submitting an additional report with the Consumer Financial Protection Bureau ( CFPB ). 

Please confirm in writing that you have received this dispute and provide any
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Subject : Request for Immediate Removal of XXXX XXXX XXXX Information under Law 623 A-5 and 15 USC 609 A1 and 609 A2 XXXX Filing Number : XXXX Date Filed/Reported XX/XX/XXXX Date XXXX  Status Last Updated : XXXX XX/XX/XXXX To Whom It May Concern, I am writing to request the removal of the XXXX  listed on my credit report, as I believe it has been incorrectly verified and represents a violation of my rights as a consumer. 
Recently, I sent a letter to the court that handled my XXXX  asking if they report XXXX  to credit agencies. In response, the court confirmed in writing that they " do not report any XXXX  to credit agencies. '' This means that the legitimate source of the information, the court, does not provide this data to credit agencies. 

On XX/XX/XXXX, I submitted an investigation request to the credit agencies asking how they verified the XXXX  and its details. I later received a response stating that the XXXX  had been verified and that no changes were necessary for either the XXXX  itself or the related accounts. My question is : how was it verified if the court, which is the legitimate source of the information, does not report XXXX  to credit agencies? 

This raises a significant concern : if the court does not provide this information, the verification could not have been accurate, which represents a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request the immediate removal of the XXXX  and all related accounts, as the information has not been properly verified. 

According to the FCRA, if the credit bureau can not validate the information with the original creditor, they must remove it from the consumer 's credit file.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My account was due to me submitting a fraudulent claim. I am being penalized due to this matter and having my account closed. I have already been a victim not once but now three times due to these fraudulent charges. Closing my account due to them trying to protect themselves in not having to pay back what was used fraudulent is unnecessary to me I've been a valued customer since 2016. This is not right at all and instead of rectifying the situation bank of america is choosing to close my account to benefit themselves. If they deny the claim that is fine I'll reach out to those who can assist in this matter but the closing of my account after being a valued customer is nonsense and I do not agree with it.
Consumer complaint received 2024-10-06
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: Experian Information Solutions Inc. (MD)

I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit. Also there is a address listed on my credit report that doesn't belong to me.
Consumer complaint received 2024-10-05
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: Experian Information Solutions Inc. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Subject : Request for Immediate Removal of XXXX XXXX  Bankruptcy Information under Law 623 A-5 and 15 USC 609 A1 and 609 A2 Bankruptcy Filing Number : XXXX Date Filed/Reported XX/XX/XXXX Date Bankruptcy Status Last Updated : XXXX XX/XX/XXXX To Whom It May Concern, I am writing to request the removal of the bankruptcy listed on my credit report, as I believe it has been incorrectly verified and represents a violation of my rights as a consumer. 
Recently, I sent a letter to the court that handled my bankruptcy asking if they report bankruptcies to credit agencies. In response, the court confirmed in writing that they " do not report any bankruptcies to credit agencies. '' This means that the legitimate source of the information, the court, does not provide this data to credit agencies. 

On XX/XX/XXXX, I submitted an investigation request to the credit agencies asking how they verified the bankruptcy and its details. I later received a response stating that the bankruptcy had been verified and that no changes were necessary for either the bankruptcy itself or the related accounts. My question is : how was it verified if the court, which is the legitimate source of the information, does not report bankruptcies to credit agencies? 

This raises a significant concern : if the court does not provide this information, the verification could not have been accurate, which represents a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request the immediate removal of the bankruptcy and all related accounts, as the information has not been properly verified. 

According to the FCRA, if the credit bureau can not validate the information with the original creditor, they must remove it from the consumer 's credit file.
Consumer complaint received 2024-10-07
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: Experian Information Solutions Inc. (CA)

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 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 2024-10-05
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. (ME)

15 U.S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer idnetifies as information that resulted from an alleged identiy theft, not later than 4 business days after the adte of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX This is so unlawful.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX has violated my rights. 15 US 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 an account without my written instructions.
Consumer complaint received 2024-10-06
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, 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 ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my bank records, the payment was made on time, and there should be no late payment reflected in the report. I have enclosed bank statements showing the exact date of the transaction. 
XXXX XXXX XXXX : The creditor accepted the payment but failed to update their system promptly, resulting in an unjustified late payment entry. I have included communication from the creditor acknowledging the delay on their end. 
Miscommunication from XXXX : There was an error in the creditor 's communication about the payment schedule, which caused confusion about the due date. This confusion was acknowledged by the creditor, and I have included the relevant correspondence as evidence. 
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 XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX 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