davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX  EXPERIAN XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-26
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)

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 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  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 Timeliness : My account shows a XXXX late payment for XX/XX/XXXX, XXXX late payment for XX/XX/XXXX, a XXXX late payment for XX/XX/XXXX, and another XXXX late payment for XX/XX/XXXX, despite my payments being made on time for each of these months. I have attached bank statements and payment confirmations that clearly show no payments were missed or delayed. 
Clerical Errors : There seems to be a pattern of clerical errors in how the payments were reported. The payment history across different months is inconsistent, and the exact dates of supposed late payments do not align with my payment records. 
Incorrect Reporting Across Bureaus : The late payment records differ between XXXX, Experian, and XXXX, which further suggests errors in how these were reported. This inconsistency violates the accuracy standards required by the FCRA. 
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 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 2024-09-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gusdorf Law Firm, LLC (MO)

I defaulted on a car loan by choice and allowed the car lot to repo the car ( after they refused to fix the car issues, I believed they created ) the total amount for the car was roughly around {$8000.00}. Once repossessed they sold the car for XXXX XXXX amount of dollars Im not sure but later roughly XXXX I was garnished roughly about XXXX XXXX pay period until debt was paid. They paused the garnishment for a small time period then continued with the garnishment order until debt was satisfied. I called XXXX car lot to confirm it was paid off. Asked could they remove it from my credit report they said absolutely and they held up their end of the bargain. I then called Gusdorf law firm and asked them to confirm this was paid and they did. Fast forward til today. My bank account assets were frozen XX/XX/XXXX and This law firm gusdorf law firm a debt collection agency had frozen my funds and claim I owe over {$23000.00} I was told if I call and make payment arrangements The hold on my bank account would cease.. I absolutely WILL NOT pay or make payment arrangements for something I dont owe they have attempted to garnish my check a few years ago but I lost my job.. they are breaking several rules.. right now Im working on proof that this was paid but no company is responding right now and possibly because it has been over XX/XX/XXXX yearsPlease help! I know my rights and laws and this is blatantly disrespectful
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (MO)

I have discovered errors in my credit report tied to 15 USC 16c-2. The inquiries are not authorized by me and are negatively impacting my credit. Please remove them. Thank you!
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I have disputed this on my Experian credit a few times, the last time being XX/XX/XXXX. Like the previous times, they have declined to remove it from my credit. 

2 items that should be shown as paid, balance {$0.00}. 
Dept of Ed XXXX, amount of {$51000.00}. Paid in full on XX/XX/XXXX. 
Dept of Ed XXXX, amount of {$6200.00}. Paid in full on XX/XX/XXXX.
Consumer complaint received 2024-09-26
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)

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 InformatioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX XXXX 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 Timeliness : My account shows a XXXX late payment for XX/XX/XXXX, XXXX late payment for XX/XX/XXXX, a XXXX late payment for XX/XX/XXXX, and another XXXX late payment for XX/XX/XXXX, despite my payments being made on time for each of these months. I have attached bank statements and payment confirmations that clearly show no payments were missed or delayed. 
Clerical Errors : There seems to be a pattern of clerical errors in how the payments were reported. The payment history across different months is inconsistent, and the exact dates of supposed late payments do not align with my payment records. 
Incorrect Reporting Across Bureaus : The late payment records differ between XXXX, Experian, and XXXX, which further suggests errors in how these were reported. This inconsistency violates the accuracy standards required by the FCRA. 
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
Consumer complaint received 2024-11-01
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Equifax Dear CFPB and FTC, I am writing to file a formal complaint against Equifax regarding the inaccurate information presented on my FICO credit report as of XX/XX/year>. It has come to my attention that my rental history is reported incorrectly, which violates the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s2, furnishers of information, such as Equifax, have a duty to provide accurate information. Specifically, under subsection ( a ) ( 1 ) ( A ), a person may not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Additionally, the findings set forth in 15 U.S. Code 1681 emphasize the importance of accuracy and fairness in credit reporting. Inaccurate information can lead to significant consequences for consumers, undermining public confidence and impairing the efficiency of the banking system.

I am particularly concerned about the missing rental payment history that Equifax has shared with Fair Isaac and Company ( FICO ). This discrepancy must be addressed and corrected urgently to reflect my true creditworthiness.

I appreciate your attention to this matter and look forward to a timely resolution. Please do not hesitate to contact me should you require any further information.

Thank you for your assistance.
Consumer complaint received 2024-11-01
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 writing to dispute the erroneous reporting of two accounts on my credit report, which violates both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines. The inconsistencies and inaccuracies found across XXXX, Equifax, and XXXX data fail to meet the required standards for accurate and verifiable reporting. Please review the violations below and update the records accordingly. Any failure to correct these inaccuracies will be deemed as willful noncompliance and grounds for further legal action. 
XXXX. XXXX XXXX Account ( Account Number : XXXX ) Inconsistent Payment Status : Each bureau reports a " Late 30 Days '' status, along with a history of lates, yet lacks standardization across comments and documentation. Please substantiate or remove this reporting. 
High Credit Reporting : The high credit is reported as {$300000.00}. I request verification of this figure as it appears outdated and not reflective of accurate reporting. 
Discrepant Last Payment Dates : XXXX and XXXX report XX/XX/XXXX, while Equifax XXXX XX/XX/XXXX, violating XXXX XXXX requirements for uniformity. Align or correct this data. 
Inconsistent Reporting Dates : Last reported dates varyExperian ( XX/XX/XXXX ), Equifax ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). Such discrepancies undermine the reliability of this data. 
Terms ( Months ) : XXXX and XXXX report XXXX months, while Equifax lists 0 months, which is implausible. Please correct to ensure compliance with XXXX XXXX formatting. 
Non-Uniform Comments Section : Equifaxs inclusion of " Real Estate Mortgage, Conventional Mortgage '' without corresponding comments in XXXX and XXXX indicates incomplete data submission, which does not meet compliance standards. 
XXXX. XXXX XXXX Account ( Account Number : XXXX ) Contradictory Account Status : XXXX and Equifax report this account as " Paid, '' while XXXX lists it as " Closed. '' I request immediate clarification and alignment across all bureaus. 
Inconsistent Last Reported Dates : The dates last reported are different on each bureau : XXXX ( XX/XX/XXXX ), Equifax ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). Such inconsistency reflects noncompliance with XXXX XXXX reporting standards. 
Opening Date Discrepancies : The dates differ across bureaus for this account, which must be uniform and verifiable. 
Late Payment Status Variance : TransUnions report of a " 30 Days Late '' payment contradicts the clear Current status reflected by other bureaus, which should not stand if unsubstantiated.
Consumer complaint received 2024-09-26
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 am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2024-09-26
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by FST PROGRESS. 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 : The payment was reported 15 days late, even though I made the payment on time, and this is documented in my bank statements.

There were clerical errors where my account was inaccurately flagged as overdue, but I provided evidence that no late payment was made, as shown in the attached payment confirmations.

The inconsistency of payment dates across credit bureaus further demonstrates the inaccuracy and improper reporting of this account status.

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 2024-09-26
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)

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, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was reported 15 days late, even though I made the payment on time, and this is documented in my bank statements.

There were clerical errors where my account was inaccurately flagged as overdue, but I provided evidence that no late payment was made, as shown in the attached payment confirmations.

The inconsistency of payment dates across credit bureaus further demonstrates the inaccuracy and improper reporting of this account status.

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 2024-11-01
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: EQUIFAX, INC. (FL)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MN)

On XX/XX/XXXX my card was charged XXXX for a hotel that I never stayed at I filed a police report and got the hotel receipt and the address dont match for the person who used my card my card was also charged XXXX dollars for a Texas XXXX application that I never filled out either I sent over documents and proof and its been two months and they still keep making me refile things after I sent over proof I didnt make these transactions I havent had a physical card for two months Ive talked to multiple supervisors and they agree that my claim should t be denied because they have no proof I have to refile for the six time about my money and Im filing a lawsuit for negligence and mishandling of funds