davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
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. (GA)

Subject : Formal Complaint Against Credit Bureaus for FCRA Violations and Inaccurate Reporting Dear Consumer Financial Protection Bureau, I am writing to express my deep frustration with the XXXX major credit bureausExperian, XXXX, and XXXXregarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C. 1681 ]. Despite multiple attempts to correct inaccuracies, these agencies continue to report erroneous information, causing significant harm to my creditworthiness. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding these issues. 
Collection Account Dispute : The account with XXXX XXXX XXXX XXXX, reported on XX/XX/year>, is inaccurately affecting my credit score. I have no contractual agreement with this company, nor have I authorized them to access or utilize my personal information. Under FCRA [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. This has clearly not been observed. 
Inaccurate Late Payment Reporting : My credit report contains unfounded late payment entries, specifically noted in the Experian report as of XX/XX/year>. According to the FCRA [ 15 U.S.C. 1681i ], upon receiving notice of a dispute, credit bureaus must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The failure to correct these errors indicates a neglect of this duty. 
Unauthorized Information Sharing : I have not given consent for my personal and financial data to be shared or sold to third parties. This unauthorized dissemination violates my privacy rights under the FCRA [ 15 U.S.C. 1681b ], which restricts the purposes for which consumer reports may be furnished.

Immediate Action Required : I demand the immediate removal of all inaccurate accounts and erroneous late payment entries from my credit reports. I also request a comprehensive investigation into these violations and a written explanation of the corrective actions taken to comply with the FCRA. 
Should these issues remain unresolved, I will have no choice but to pursue further legal action for damages incurred due to this negligence. 
I trust that the Consumer Financial Protection Bureau will take prompt action to address these serious concerns and hold the credit bureaus accountable for their failure to adhere to federal law. 
Thank you for your immediate attention to this urgent matter.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

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 — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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 XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX 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 on Time : I made the payment before the due date. The payment was processed late due to a clerical error on the part of the creditor, which is documented in the enclosed bank statements and payment confirmations.

System Error : There appears to have been a system delay with the creditor processing my payment, which should not have resulted in a late payment being reported.

Evidence Provided : I have attached payment confirmations and bank statements as evidence showing that the payment was made within the required time frame, and it was processed late due to an internal delay.

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
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA continues to report my account as a joint holder when the account belongs to my son i have no knowledge of the account. I requested from USAA documents showing my signature that i authorized to be a joint account holder and received nothing from USAA. 
Also i have disputed this numerous times with XXXX and they stated that they verified. i also requested under FCRA method of verification and they failed to respond
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. (FL)

( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card at XXXX XXXXXXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at First Premier on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681c- 2 ) that you, The credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of I am a victim of identity theft. My information was exposed in a data breach. Please remove these accounts listed in my FTC report within four business days under section 605B. A list of these accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX is reporting a collection account to all 3 credit  companies in the amount of {$9300.00} this account is not mine. 
I need written confirmation/proof that this account is under my name. 

Thanks
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. (OH)

Subject : Formal Complaint Regarding Fraudulent Accounts and Violation of the FCRA To Whom It May Concern, I am filing this formal complaint against Experian for their blatant refusal to remove fraudulent information from my credit report, despite my numerous requests, supporting documentation, and legal obligations under the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft and have also been affected by the XXXX Data Breach, yet Experian continues to report fraudulent accounts on my file, causing significant harm to my creditworthiness and financial stability. 

FCRA Violations : FCRA Section 605B ( 15 U.S.C. 1681c-2 ( a ) ) : Under this section, Experian is required to block fraudulent information from my credit report upon receiving evidence of identity theft. I have submitted an FTC Identity Theft Report and a signed affidavit, yet these fraudulent accounts remain on my credit file. This is a clear violation of this section, and I demand immediate compliance. 

FCRA Section 609 ( 15 U.S.C. 1681g ) : I have the legal right to request the method of verification for the fraudulent accounts on my credit report. I have requested this information multiple times, yet Experian has failed to provide any physical proof of my involvement in these accounts, in violation of this section. 

FCRA Section 611 ( 15 U.S.C. 1681i ) : Experian is mandated to conduct a proper investigation within 30 days of a dispute being filed. Their failure to remove these fraudulent accounts after repeated disputes constitutes a violation of their duty to investigate and correct inaccurate information.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Experian has failed to follow reasonable procedures to ensure maximum possible accuracy of the information reported on my credit file, allowing fraudulent and inaccurate data to persist. This negligence directly violates this provision of the FCRA.
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America stopped my automatic bill pay for several months and then restarted it but not until after the amount do was higher that the automated payment amount on several account. 

It cause several account to be sent to collecttions. Bank of America sent my Bank of America Credit Card to collections when i had perfect payment history. I have been with the bank for 20 years.

They blamed a third part vendor who maintained the bill pay, bill pay blamed the bank. No one was held accountable. And the funds wher not completely refunded and the damage was not undone.

I was on the phone for months trying to repair their misstake. 6 months into it they claimed they could only look back 30 days when the mistake had happen a year before and i had been on the claims and fraud protection for montsh about it but becaue i would not except their misstake they just simple said we can only go back 30 days.

That one error cause all my automatic bill payment accounts to be sent to collections. Which dropped my XXXX XXXX down to a XXXX. I lost all my other credit card, my loans all went into default. I did not catch the error unitll several months after it occured when i recieved a credit report and all my accounts where sent to collections. 

I contacted the credit company and they claimed they did a investigation and could not do anything becuse the accounts whe confirmed. I contacted them repeatedly, I contacted the bank repeatedly. Several months into it the bank confirmed they mistake. 

The XXXX XXXX claimed they investigation was done when it was not. If you looked at my payment history alone it would be obvious there was a mistake becaue I have perfect payment history becaue all by bills where on automatic bill pay for years. 

I have tried repeatedly to get my credit card returned and reactivated but my credit report is so ugly wont even my own back reissue the card they fraudulently sent to collections. I was told the algorithm kept kicking my application back and that i have to subbmitte a request in writeing which i did. 

I requested my account be looked at, that a supperior card be issued and a increase in my credit limit and repayment of the fees and charges and lose and damages. I have not heard anything in 8 months. 

They finally issured a retraction to the credit companies that proved they were lying about looking in to all my claims. When Bank of America retracted theirs it validated that all the other account that were sent to collections was their fault which had them all removed, but the damage was already done.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

i have sent fraud paperwork on this account and this company refuses to remove this account of my equifax and is holding up home loan process. i call them and they stated that i paid this account already, and its been closed, before XX/XX/2018, i have never spoke to this company before.
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. (VA)

In accordance with the fair credit reporting act. The list of accounts has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-15 USC 1681 section 602 A. States I have the right to privacy and the right for inaccurate information to be removed from my Credit Profile. 
-15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not Furnish an account without my written instructions - 15 ISC 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then 7 years. 
- 15 USC 1681 S2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNTS ( XXXX XXXX Reporting inaccurately Delinquent late information was never late ) ( XXXX XXXX XXXX, Reporting Incorrectly This account was paid in full never late )
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. (OR)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number:XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : ThisCFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block informationappearing on my consumer credit report that is the result of identity theft andfraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accountopened at COASTAL COMMUNITY BANKCOASTAL on XX/XX/XXXX, last fouraccount XXXX credit card account open at XXXX BANK on XX/XX/XXXX, last XXXX account XXXX a personal loan open at XXXX opened on XX/XX/XXXX, under the account number XXXX a personal loan open at XXXX  XXXX XXXX, a personal loan open at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number XXXX, a personal loan open atXXXX XXXX opened on XX/XX/XXXX, under the account numberXXXX and mobile phone account opened at XXXX XXXX on XXXX XXXX under the account XXXX. several fraudulent hard inquiriesand fraudulent collections appearing on my consumer XXXX credit report. I'veattached a list of the hard inquiries in question as well as a copy of the consumerFICO credit report maintained by you which shows the aforementioned fraudulentitems. I do not recognize the aforementioned accounts, collections, or hardinquiries as reported. The aforementioned accounts, collections, and hardinquiries appearing on my consumer credit report maintained by you were notopened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copyof FTC Identity Theft Criminal Complaint # XXXX as proof from the USFederal Trade Commission that all the aforementioned consumer credit accounts, collections the result of identity theft and fraud.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I contacted the credit bureaus and provided them with written notice on XX/XX/2018, that I was a victim of identity theft and contacted the Federal Trade Commission. I contacted Equifax and asked for XXXX XXXX XXXX ( Account # XXXX ) and XXXX  ( Account # XXXX ) to be removed. I also contacted XXXX  and asked for XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX XXXX ( Account # XXXX ) and XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) to be removed.
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. (NJ)

I wrote to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, sent via certified mail, about inaccuracies being reported on my credit report. In XXXX of XXXX XXXX has no report of my account, XXXX reports that my account was current, and Experian reports that my account was 30 days late. All conflicting information. XXXX XXXX  XXXX did not respond to my initial letter. I sent another letter via certified mail on XX/XX/year> reiterating my concern. I received a response from XXXX XXXX from XXXX XXXX  XXXX on XX/XX/year> which did not answer my question or solve the problem, stating that I requested a goodwill/credit inquiry delinquent credit removal. 

Clearly, all 3 credit agencies are reporting different information and an investigation would have proven that. They are in violation of several laws, including the following : 15 usc 1681i procedure in case of disputed accuracy 15 U.S. Code 1681e ( b ) Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (LA)

Since XX/XX/XXXX i have been trying to file SCRA with this company. i have provided them all the documentation required including orders and statement of service. the company has refused to proceed further.