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. (TX)

I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. 
I would like you to conduct an investigation for me to makecertain that everything is accurate. 
I am writing to formally dispute the inaccuracies contained in my credit report, which I obtained on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I have the right to dispute information that I believe is inaccurate or incomplete.

Upon reviewing my credit report, I have identified multiple discrepancies regarding the accounts listed below that require immediate investigation. I have attached a Dr 's Note to show that i was in hospital during the date the account was opened.

According to 15 USC 1681c-2, any negative information that can not be verified must be removed from my report. Additionally, under 15 USC 1681b, I demand to know if the reporting entities have followed proper verification procedures.

( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

I demand that these discrepancies be corrected in my credit report as obligatory under the law. 

INQUIRIES : 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 {$2200.00} - I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX  {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX- {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX- {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX- {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX- {$0.00} I don't recognize this at all. - This is also completely inaccurate.
Consumer complaint received 2021-03-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (FL)

I have contacted TD Auto finance to receive the title for my XXXX XXXXXXXX XXXX XXXX. I paid a fee to receive my title. I was told it was sent in the mail. I never received my title. Instead the company sent a Lien release termination statement. I took the document to the Department of Motor vehicles in Florida. They do not accept this as a title. 

I called the same company and was on hold and sent through a continual loop of returning to the main menu. When I finally spoke to someone the employee told me to hang up and keep trying the number again. She then put me on hold and after 30 minutes to call was disconnected. I still do not have a title for my vehicle.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX account number : XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-13
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. (OH)

I am writing to you once again regarding the unauthorized credit inquiries that still appear on my credit report. As a consumer, I am entitled to accurate information reported about me under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute and my request for an investigation into these inquiries under Sections XXXX ( 15 U.S.C. 1681i ), XXXX ( 15 U.S.C. 1681g ), and XXXX ( 15 U.S.C. 1681b ) of the FCRA, I have yet to receive a satisfactory resolution or sufficient documentation justifying the presence of these inquiries on my credit report. 

Disputed Inquiries :
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Report Information I am writing to formally dispute several inaccuracies on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) Sections 605 ( b ), 1681 ( b ), and 1666 ( b ), specifically regarding incorrect address information, closed accounts listed as open, late payments that do not belong to me, accounts that dont belong to me, inquires I did not consent to any inquiries that do not belong to me. Disputed Information : Incorrect Address : My credit report currently lists an address at XXXX XXXX XXXX, XXXX, GA XXXX which is not my current residence. Closed Accounts : My credit report currently lists accounts as " open '' and still shows recent activity. These accounts are closed. 1. XXXX XXXX - Closed XX/XX/XXXX 2. XXXX - Closed XX/XX/XXXX. This inaccurate information is causing me significant harm by negatively impacting my credit score. I am requesting that Equifax immediately investigate these discrepancies and remove all incorrect address information and closed accounts with recent activity from my credit report. Please consider this a formal request to investigate and correct the following inaccurate items in my credit report issued by your agency. These items must be removed to show my true credit history. I make this request according to XXXX USC Section 1681i of the Fair Credit Reporting Act of XXXX. As requested by the XXXX, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or the corrected copy of my report. Finally, please send me the names and addresses of all the individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. According to 15 USC Code 1666b, 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. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-14
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. (CA)

XXXX XXXX XXXX XXXX XXXX XX/XX/year> SS XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I am not liable for this debt with XXXX, I do not have a contract with SECURITY CREDIT SERVICES, They did not provide me with the original contract as I requested. SECURITY CREDIT SERVICES called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until XXXX XXXX XXXX proved me with the original contract they have to remove asap from my credit reports. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-13
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. (WI)

I know for sure that I pay my bills when theyre due. What I dont understand is why Ive been marked late by this company for certain months. USC 1666b says billing mistakes must be fixed and my account updated as paid on time
Consumer complaint received 2024-10-14
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: EQUIFAX, INC. (TX)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I'm asking for your assistance in dealing with the incorrect account thats showing up on my credit report. This issue has harmed my reputation, and I urgently need your help to correct it. The inaccurate reporting has caused me significant personal and professional damage. Please remove these false details from my credit record.
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)

To my absolute surprise, I found inaccurate accounts on my credit report today, and I have no idea where they came from. I check my report regularly, but this time there were random mistakes Ive never seen before. I tried refreshing my screen, hoping it was just a technical issue, but it wasnt. I need the documents I provided to be thoroughly examined so I can avoid this anxiety in the future.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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  Account Number : XXXX -- Inquiries -- XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-13
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: EQUIFAX, INC. (TX)

I kindly request that the CFPB investigate these matters and ensure that the inaccurate information is corrected or removed from my credit report. 

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I appreciate your prompt attention to this matter. 

" SEE ATTACHED FILES '' Thank you for your assistance.
Consumer complaint received 2024-10-14
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)

Incorrect information about me that is being reported on my credit report is why I'm writing. Even with corroborating evidence showing the information is false, the report is nevertheless accepted as true.

The Fair Credit Reporting Act ( FCRA ) compels credit reporting organizations to look into and fix errors ; this lack of repair is a violation of 15 U.S.C. 1681i. I am asking that the errors in my credit report be fixed or removed, and that you look into this situation again right now.
Consumer complaint received 2024-10-13
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. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
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. (PA)

XXXX Report # XXXX XX/XX/year> page XXXX of XXXX Has XXXX as a hard Inquires in which i never heard of XXXX  nor applied for any credit under XXXX showing on my credit file. 

I want documents of signature what was the loan application who how it was sign docusign or how ever the information was gathered. 

I want XXXX to provide proof as a hard INQUIRE to XXXX placed on my credit file XXXX XXXX Unspecified by XXXX to the reason on my credit file
Consumer complaint received 2024-08-16
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)

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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX  Balance : {$230.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year>.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
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. (FL)

On XX/XX/year>, I sent out a dispute letter to XXXX regarding improper use of my personal information by a third party company. A company by the name of XXXX XXXX XXXX misusing my information stating that I owe a debt that I am unaware of. This has affected my credit in a major way & I have requested them to remove this information from my credit profile but it still remains.

According to15 U.S code S 6802, it is illegal for banks & institutes to report any data to third party companies without proper consent. Please have this information removed from my credit report.
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc. (TX)

Refer to past case XXXX which was not resolve by coinbase they lied to get CFPB to close the caseI, XXXX XXXX XXXX , am writing this formal demand letter regarding the unjust restriction and suspension of my Coinbase cryptocurrency wallet account, which I have held since XXXX. Despite following Coinbase 's instructions and providing all necessary documentation for account recovery, Coinbase has unlawfully withheld access to my account and assets. This document outlines the legal basis for my claim and requests immediate resolution. 

Background I lost access to my Coin base account login settings approximately two years ago. Since then, I have attempted to contact Coin base multiple times through their support channels as directed by automated phone recordings. However, access to support required me to log into my account, which was not possible due to my lost credentials. After months of delay, I created a new account simply to engage Coinbases support team, who then instructed me to delete that new account, promising to send login credentials for my original account. 

Once I logged in, my original account was suspended, and Coinbase began questioning my identity and personal background. Over the past year, I have provided all the requested documentation, including my passport, bank statements, and other sensitive personal information. Despite this, Coinbase continues to deny access to my account and assets, sending repetitive requests for information I have already provided.