davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (DE)

I was contacted by XXXX XXXX XXXX in XXXX XXXX XXXX stating that they were collecting on behalf of Jefferson Capital Systems for debt acquired from XXXX XXXX in the amount of {$2200.00}. That was the first time that I was made aware of this debt. I responded with a request for debt validation, and then began disputes against the debt held by Jefferson Capital Systems through the 3 different credit bureaus ( XXXX, XXXX and XXXX ). I also placed a freeze on my credit files and issued a fraud alert. XXXX XXXX XXXX ended up sending a validation letter in XXXX XXXX XXXX including documents to support the alleged debt. These documents do not include any full account numbers or unique identifying information for me aside from name and address. This debt is not owed by myself as I did not request any funds in any way from the original creditor ( XXXX XXXX ).
Consumer complaint received 2024-09-28
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. (HI)

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 : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : 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 2024-08-12
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)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I pulled my credit the beginning of XXXX and noticed a collection account from Midland Credit that I didn't know about so, on XX/XX/year> I sent a validation letter that I copied from the CFPB website to Midland Credit asking for validation on the debt they were attempting to collect and reporting on my credit report which I have attached to this complaint. I also disputed the account with the XXXX credit reporting agencies. I did not get a response from Midland Credit after XXXX  days so, I looked at my credit report and they we're still reporting the collection account and verified it with all XXXX  credit bureaus so, on XX/XX/year> I sent Midland Credit another letter ( attached ) letting them know they were violating the law by verifying the account with sending me the proof that the account belonged to me including a signed contract, statements or a detailed billing history as outlined in the Fair Debt Collection Practices Act. I did not get a response from Midland Credit after XXXX  days so, I looked at my credit report and they we're still reporting the collection account and verified it with all three credit bureaus so, on XX/XX/year> I sent another letter ( attached ) to Midland Credit asking what happened to my debt validation. I made it clear that they can not continue to report or verify a disputed debt because they did not validate it. I asked them to delete the account from my credit report, stop all collection activity and notify me in writing that they have done both. I did not get a response from Midland Credit after XXXX  days so, I looked at my credit report and they we're still reporting the collection account and verified it with all three credit bureaus. Then this week I received a statement from Midland Credit ( attached ) with no information about the debt, no documentation, no proof that the debt belongs to me, just a threat of further collections.
Consumer complaint received 2024-09-23
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. (DE)

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 2024-09-23
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. (NC)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-23
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. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-22
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. (MD)

Im announcing that I will be filing federal lawsuit against XXXX  XXXX XXXX  and XXXX XXXX XXXX are violating my federal consumer rights.You are violating Title 15 USC 1692gIm creating a paper trial for my federal lawsuit.Which I will be filling aganist XXXX XXXX XXXX.I will also file complaints with financial agency which licensed them to be a bank I asked for the original credit card agreement with terms and conditionsIm asking for statement history for the history of the account.I want all the statements for the history of the account.Since they dont want release it.I will file a lawsuit ask for legal discovery get a subpoena.Then subpoena documents and names of people.Who are handling the disputes to court.I will also subpoena the CEO of XXXX XXXX XXXX  and XXXX XXXX XXXX to court .So they can hear the caseXXXX XXXX and XXXX XXXX XXXX to courtSo they can hear the cardsIm not joking Im going to get what I want and needYou cant do what you want to people
Consumer complaint received 2023-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See ALL attached proofs of your failure to protect my security, as the consumer, as well as and the confidentiality of my non-public personal information which is hurting and harming me now presently.
Consumer complaint received 2024-09-23
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)

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

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Subject : Complaint Against Experian for Failure to Process Dispute and Violation of FCRA Rights Dear Experian, I am writing to file a formal complaint against Experian for their failure to properly process my credit information disputes dated XX/XX/year>, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). Despite providing all required documentation to substantiate my dispute, Experian responded with a letter suggesting the request did not appear to have been sent directly by me or authorized by me. This response is not only unsatisfactory but also frivolous, considering the extensive evidence and proper documentation I submitted directly to Experian. The FCRA mandates that consumer reporting agencies must conduct a free reinvestigation of disputed items when notified directly by the consumer ( 15 U.S.C. 1681i ). Experian failure to act upon my dispute and their insistence on not recognizing my direct submission are in clear violation of this provision.
Consumer complaint received 2024-09-23
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. (MS)

XXXX XXXX XXXX XXXX XX/XX/XXXX 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under my personal credit card account. This account have resulted in an fraudulent hard inquiries appearing on my consumer credit report. I've attached a list of the hard inquiry in question as well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the hard inquiry as reported. The hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. This hard inquiries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Report Number XXXX as proof from the XXXX Federal Trade Commission the hard inquiries which is the result of identity theft and fraud.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Experian will not allow you to speak with a live agent. I am trying to remove a fraud alert from my credit file. I need a form from Experian in order to process the removal. I can't access the form online so I need to speak with an agent. They will not allow you to speak with an agent at all.
Consumer complaint received 2024-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) update from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

Please remove this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-22
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. (LA)

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. 

Also, it is fraud for credit bureaus to furnish a consumer 's credit report without a written request from the consumer. I haven't given anyone a written request to furnish my accounts. Credit bureaus must also investigate disputed information and correct or delete inaccurate information.
Consumer complaint received 2024-09-23
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. (WA)

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 XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-22
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. (SC)

I am writing to formally dispute several hard inquiries on my credit report that I believe are fraudulent. These inquiries do not belong to me, and I did not authorize them. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these inquiries were made as a result of identity theft or fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report. I request that you investigate these inquiries and remove them from my report if they are found to be unauthorized.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Dear CFPB Officer, I am contacting you for the second time regarding inaccurate information in my credit report provided by Experian. Specifically, I am referring to XXXX  XXXX XXXX account XXXX, which reflects late payments forXX/XX/2023 andXX/XX/2024, which I believe are incorrect. 

I have compared this information with other credit reports, such as XXXX, which does not show these late payments and instead reflects a correct payment history. I have attached evidence of this discrepancy, which indicates that Experian is violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Specific Violations of the FCRA : 1. Section XXXX ( b ) [ XXXX U.S.C. XXXX ( b ) ] : This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer report information. The inconsistency between Experian and XXXX clearly demonstrates a violation of this provision. 
2. Section XXXX ( a ) [ XXXX U.S.C. XXXX ] : After I previously submitted a dispute regarding this account, Experian marked the account as verified without conducting a proper investigation. This suggests no meaningful action was taken, violating my rights under this section. 
3. Section XXXX ( a ) ( 1 ) [ XXXX XXXX. XXXX ( a ) ] : This section prohibits the reporting of information that a data furnisher knows or has reasonable cause to believe is inaccurate. Since other agencies are not reporting these late payments, it raises serious concerns about the legitimacy of the data currently being reported by Experian. 

I formally request that this inaccurate information be corrected immediately. If these late payments can not be verified with valid evidence, they must be removed from my credit report. 

I appreciate your prompt attention to this matter and expect that the necessary corrective actions will be taken.
Consumer complaint received 2024-08-21
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} - Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANC {$0.00}
Consumer complaint received 2024-09-22
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. (GA)

I am urgently notifying you that I have been a victim of identity theft, which has resulted in numerous fraudulent accounts appearing on my credit report. These accounts were opened without my knowledge or consent, and I am demanding immediate action to address and remove them. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an identity theft report with the Federal Trade Commission ( FTC ) and insist on the prompt removal of these fraudulent accounts to restore the accuracy of my credit report.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

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 Re XXXX Application ID : XXXX Dear XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent decision regarding my application for a credit card ( Application ID : XXXX ), dated XX/XX/XXXX. 

While I understand that my application was deemed incomplete or unverifiable, I would like to request further clarification on the specific information that may have led to this decision. I believe I provided all necessary details, and I would appreciate the opportunity to address any discrepancies or omissions. 

Here is my personal information for your reference and verification : 1. Full Name : XXXXXXXX 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 Please provide me with a detailed explanation of the reasons for the denial, including any specific information that may not have been verified. I am also contacting the consumer reporting agencies mentioned in your letter to ensure the accuracy of my credit report. 

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

Sincerely, XXXX XXXX