davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
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. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-18
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)

THESE ARE FRAUDULENT ACCOUNTS MY INFORMATION WAS RELEASED BECAUSE OF THE XXXX DATABREACH AS WELL AS MILLIONS OF AMERICANS IDENTITY BEING STOLEN FRIM THE EXPERIAN DATA BREACH AS WELL AS THE DARK WEB THE ACCOUNTS ARE NOT MINES AND I SHOULD NOT BE LIABLE FOR SUCH THINGS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
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: EQUIFAX, INC. (MI)

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), This CFPB complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that Equifax block information on my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. The fraudulent information includes : an auto loan at XXXX XXXX XXXX ( XX/XX/XXXX, account XXXX ), a personal credit card at XXXX XXXX  ( XX/XX/XXXX, account XXXX ), another personal credit card at XXXX XXXX  ( XX/XX/XXXX, account XXXX ), a collection at XXXX XXXX XXXX  ( XX/XX/XXXX, account XXXX ), an internet account at XXXX ( XX/XX/XXXX, account XXXX ), a collection at XXXX XXXX ( XX/XX/XXXX, account XXXX ), and an installment loan at XXXX XXXX XXXX ( XX/XX/XXXX, account XXXX ). These accounts have resulted in several fraudulent hard inquiries and collections appearing on my XXXX credit report. Attached is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof that these accounts, collections, and inquiries are the result of identity theft.
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: EQUIFAX, INC. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-09-18
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. (OR)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-09-18
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have tried already multiple times to remind XXXX XXXX the Covid Law in place but they still refuse to remove the late payments, while other credit companies have. 

XXXX XXXX Account Number : # XXXX opened on XX/XX/XXXX Dates in need of correction, XX/XX/XXXX, XX/XX/XXXX ( 30 Days Late ). 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as " an agreement to defer 1 or more payments or forbear any delinquent amounts ''.

That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am deeply frustrated to see unauthorized inquiries suddenly appear on my credit report today, with no explanation. Ive done my regular check, only to find discrepancies that I wasnt expecting. Refreshing my browser didnt help, and the inquiries stayed. Im asking that the documents Ive provided be
Consumer complaint received 2023-01-20
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. (TN)

XX/XX/XXXX I submitted police report of identity thief and my government ID to Experian 's fraud department and spoke with Experian rep to remove a fraudulent transaction that was placed on my credit report. I notified them that I spoke to the company XXXX XXXX in XXXX and let them know I've never done business with this company and that I am a victim of identity thief and to provide documentation of who open account in my name. I've never received anything from the company. Beginning of this month I went to the police percent to report identity thief. As of XX/XX/XXXX I've spoken with 2 Representatives and 1 Supervisor at Experian who hang up in my face as I was tell them by law they are to remove the fraudulent collection XXXX XXXX XXXXXXXX amount {$5300.00} by FCRA 605B ( 15 U.S.C. 1681c-2 ) not later than 4 business days after the date of receipt by such agency to remove item. Before the supervisor hang up on me she was telling me the police report need to be sign by police office and that it was missing a page I stated to her this report is digital and they have all 4 pages and that the last page has the reporting officer and supervisor names and employee identification number. Shortly, after the disconnect I contact the police department and their record department assured me that attached police report is the whole report and it was sign digitally.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (GA)

Repeated calls before XXXX. Was not sure why this kept happening. They then called someone that I have no relations with ; but they reached out to me saying that they were asking for my name. However I have never received a notice from Rash Curtis and Associates to my knowledge. Never in writing no mail regarding my past due balances. I asked for validation of credit debt and they were unable to confirm as they were not able to confirm my identity even though I provided my name and in turn the person on the phone told me have a good day and hung up.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Mistake on other complaint due to autofill. As stated previously I have tried to request validation of credit from debt collector however they were not able to provide that for me. I have also requested that they stop contacting me due to this as I was not aware that I have any debts.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND CREDIT MANAGEMENT 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency make take 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 1681 S-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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX Original creditor XXXX XXXX {$2400.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Original Creditor XXXX XXXX XXXX {$1000.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card XXXX Original creditor XXXX XXXX {$2400.00} Account info Account XXXX XXXX Open/closed Closed Date opened XX/XX/XXXX Original Creditor XXXX XXXX XXXX {$1000.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card XXXX Original creditor XXXX XXXX {$2400.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Original Creditor XXXX XXXX XXXX {$1000.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX  Account type Credit card
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX Date : XX/XX/year> Equifax XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Medical Collection Account Request for Immediate Removal Dear Equifax XXXX Department XXXX I am writing to formally dispute the medical collection account listed on my credit report under the name of XXXX XXXXXXXX XXXX XXXX XXXX which pertains to charges from XXXX XXXX for XXXX XXXX 
This account is being inaccurately reported by XXXX XXXX XXXX XXXX. 
On XX/XX/year>, I submitted a formal complaint against XXXX XXXX XXXX XXXX through the Consumer Financial Protection Bureau ( CFPB ) under complaint number # XXXX, requesting full validation of the debt as required by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX responded on XX/XX/year>, stating that they obtained an itemization of charges from the creditor and that the account remains marked as disputed. However, they failed to provide the legally required documentation, such as the original signed agreement or contract verifying this debt, nor did they address XXXX compliance issues. 
Given that XXXX XXXX XXXX XXXX has not provided sufficient documentation to validate the accuracy of this account, I request that Equifax immediately remove this account from my credit report pursuant to FCRA XXXX XXXX. XXXX, which mandates the deletion of inaccurate or unverifiable accounts. 
Please find enclosed the following : XXXX. A copy of my formal CFPB dispute against XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XXXX. XXXX. XXXX 
Their response dated XX/XX/year>, acknowledging the account is in dispute but failing to provide proper validation. 
A copy of my identification and proof of address for verification. 
I expect this account to be removed from my credit report within the XXXX investigation period as required by law. Additionally, I request that an updated copy of my credit report be provided to me once this account has been removed. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-04
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. (GA)

Reviewed most recent credit report and I noticed a repossession that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the repossession disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the charge off in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681ia1 and 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO (PR)

The clarity of the bank 's e-mail dated on or about XX/XX/year> to the consumer needs to be improved. Key aspects the consumer needed to understand were unclear ; the e-mail from XXXX XXXX XXXX, Commercial Relationship Officer, of Banco Popular did not clearly explain pertinent financial information concerning the consumer. Similarly the e-mail did not clearly explain the reason for the bank 's decision or request for more documents. Also the e-mail had financial and legal terminology that would be difficult for a layperson to understand. Furthermore, the e-mail did not clearly explain the bank 's intentions for the account ending in XXXX. 

Therefore the financial institutions actions are inconsistent with applicable banking statutes, regulations, or policies. Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating federal consumer financial laws, including by engaging in unfair, deceptive, or abusive acts or practices. The CFPBs investigation will find that Banco Popular violated the Acts prohibition on unfair and deceptive acts and practices.
Consumer complaint received 2024-09-17
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: Experian Information Solutions Inc. (PA)

Experian has refused to remove an account from XXXX XXXX after multiple disputes. Despite my disputing this account over XXXX times, Experian continues to report it based on XXXX XXXX 's verification, even though I have provided records showing inaccuracies. It appears that Experian is not properly reviewing the documentation I submitted. I am requesting a thorough investigation and immediate removal of this account from my credit report.
Consumer complaint received 2024-10-04
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. (NC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Re-claim # ( XXXX ) For the bank Re Claim # ( XXXX ) For the bank I am writing this letter to inform you why I am filing this dispute. In XXXX I hired XXXX, thinking that they were Architects they misrepresented themselves to be architects and charged me the same fee as real architects. To design custom home plan drawing, I paid {$4600.00} on XX/XX/XXXX as a deposit to get the work started. We went back and forth for several months, from the start it was very hard to communicate with this person after they receive the deposit the project was to take a month but due to not being able to communicate with this person it took a lot longer than I was told it would take but because I paid the deposit I still work with the hoping that we could get the results that I was expected and that I paid for. I also did a dispute in XX/XX/XXXX, because I could not get ahold of him. After the dispute was filed, I got his attention and he asked me to close the claim and he would do better communicating with me and the builder when we where ready to work, I was also told that service comes with several modifications as needed by the city or builder and the XXXX, that he would stay with the project until the building was completed. They also misrepresented themselves as an Architects I thought I was hiring real Architects He completes a draft and then told me I needed to pay the other half {$4600.00} on XXXX I filed a despite with my bank I am told that its over the time for the dispute. I am still out {$9300.00} with nothing to show for it I wii upload an example of what I was expecting and what I received and what I should have received.