davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
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)

On XX/XX/XXXX I reached out to Experian and asked them to verify and send the agents information as well the information in regards to the process of accessing whether or not the information they were furnishing was true! 
of late payments that I want proof to show exist, multiple names, multiple addresses that are not mine! were true as well to prove I gave consent to furnish that information as well to remove the information because the furnishing of trans actions is a strict violation of FCRA and metro 2 reporting rules
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

My account with Experian 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 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.

Experian 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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-21
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. (OR)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX XXXX XX/XX/XXXX last XXXX of ssn is XXXX. There was a credit card for XXXX XXXX opened under my name about XXXX XXXX years ago. this account has been paid off in full & belonged to my now ex spouse. I am writing this to ask for the late payment forgiveness & ask that the XXXX late payments from XXXX & XXXX be taken off my credit report since the account has been paid in full & no longer used.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
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: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-15
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. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
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've reviewed my consumer report and found numerous hard inquiries that I do not recognize. The hard inquiries on my consumer report are : 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 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  within 4 business days.
Consumer complaint received 2024-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last XXXX XXXX, 2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX  XXXX Balance : {$23000.00} will be investigated and updated from my report.
Consumer complaint received 2024-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MS)

The accounts in question are : Account Number : XXXX Amount : {$1300.00} Creditor : XXXXl ( Name not disclosed ) Account Number : XXXX Amount : {$1400.00} Creditor : XXXXXXXX ( name not disclosed ) Account Number : XXXX Amount : {$290.00} creditor : XXXX XXXX XXXX Date Open XXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a ( b ), I am entitled to a fair and accurate credit report. I did not authorize or provide written consent for these accounts to be reported on my credit file. As such, I am disputing these entries under the following legal grounds : Inaccurate Information : The accounts listed do not pertain to me and should not be reflected in my credit report. Under 15 U.S.C. 1681i, you are required to investigate and correct any inaccuracies.

Identity Theft : The presence of these accounts on my report may be a result of identity theft or other improper use of my personal information. Under 15 U.S.C. 1681c-2, you are obligated to take appropriate action to ensure that my credit report is not misused.

Please conduct a thorough investigation into these accounts and remove them from my credit report. Enclosed with this letter, I have included copies of relevant documents supporting my claim of unauthorized use of my personal information.
Consumer complaint received 2024-08-15
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)

I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I have been struggling with correcting the errors on my credit report for months now and it's been very exhausting. Maintaining a strong credit standing is really important to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional well-being. Unfortunately, my efforts to address these issues have been consistently ignored, compounding the negative impact on both my personal life and creditworthiness.
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: Experian Information Solutions Inc. (TX)

Certain accounts have been linked to identity theft and fraudulently added to my consumer report without my written authorization, including a wet signature. I recently contacted your organization about this matter, and I am formally requesting the prompt blocking and removal of these fraudulent accounts from my credit report. Their presence has caused me significant emotional and financial distress, as they inaccurately represent my credit history and obligations. 

If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-09-05
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: LEXISNEXIS (TX)

Re : Discrepancies in Bankruptcy Reporting on Credit Reports XXXX Reference Number : XXXX XXXX Reference Number : XXXX Dear CFPB, I am writing to formally request assistance regarding discrepancies in the reporting of bankruptcy on my credit reports, which is affecting my credit profile. The alleged bankruptcy was filed on XX/XX/XXXX, in the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX - XXXX Division but this is reported differently by XXXX and XXXX. 

Discrepancies : XXXX Report : Reports the bankruptcy as being filed in the XXXX XXXX XXXX XXXX XXXX 

XXXX Report : Lists the bankruptcy under XXXX XXXX XXXX XXXX. 

Relevant Details : Bankruptcy Case Number : XXXX Bankruptcy Type : Chapter 7 Discharge Date : XX/XX/XXXX Request for Validation : Despite my requests for documentation and validation from both XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have not received any documentation to substantiate the accuracy of this bankruptcy reporting. Additionally, XXXX updated their files and my credit report and is NOT reporting this same bankruptcy as they couldn't provide validation for this bankruptcy. This discrepancy between the two credit bureaus raises concerns about the accuracy and completeness of the information being reported.

Legal Basis : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, consumers have the right to dispute and request validation of information reported on their credit reports. The FCRA requires that credit reporting agencies investigate disputes and provide accurate information. Inaccuracies or inconsistencies in reporting violate the FCRAs requirement for accurate credit reporting.

Accuracy Requirement : According to 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure that the information they report is accurate and complete. The discrepancy in the reported bankruptcy filing locations suggests a potential violation of this requirement.

Right to Documentation : 15 U.S.C. 1681g grants consumers the right to obtain and review their credit reports and any documentation related to disputed items. My request for documentation from both Equifax and TransUnion has been unfulfilled, which hinders my ability to verify the accuracy of the bankruptcy information.

Action Requested : I respectfully request that the CFPB intervene to ensure that Equifax and TransUnion : a. Provide accurate and consistent documentation regarding the bankruptcy case being reported from 2 separate locations. report.

b. Correct any inaccuracies or inconsistencies in the reporting of this bankruptcy immediately.

c. Update or rectify any erroneous information to reflect the correct court and case details immediately.

Thank you for your attention to this matter. I appreciate your assistance in resolving this discrepancy and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XXXX XXXX at approximately XXXX I was startled by a loud knocking at the door. I knew I wasnt expecting anyone and also not many people knew my address. The banging continued and became more aggressive so I believe it might have been an emergency, when I opened the door I was met with a unfamiliar face, this was a random XXXX man around XXXX XXXX maybe in his XXXX with a very thick accent. I started recording and asked him who are you, he put his foot in my door preventing me from closing the door and threw a paper at my face, when I grabbed it he stated he is a messenger for Portfolio Recovery Associates LLC and Ive been served. This man started calling me a XXXX XXXX and stated pay your XXXX bills. Ive never seen this man in my life and because of this aggressive harassment from Portfolio Recovery I have to move. They have also showed up to the XXXX XXXX were I work and shared personal information regarding my finances to staff at my job. I tried to contact them and still havent received a response. According to The FCRA, 15 U.S Code 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collected to seize further communication with the consumer. The depth collector shall not communicate further with the consumer with respect to such that. My rights have been violated and I want this collection removed off my account. This interaction with Portfolio recovery was recorded. My account number with them is XXXX.
Consumer complaint received 2024-08-15
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. (IL)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries, fraudulent charge offs, and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.