davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2024 Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Subject : CFPB Complaint for Identity Theft and Fraud This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to request that XXXX XXXX Experian, and XXXX block certain information from my consumer credit report, as mandated by FCRA 605B ( 15 U.S.C . 1681c-2 ). This information is the result of identity theft and fraud and must be addressed within 4 business days of receipt of this complaint. 

The fraudulent information includes : A personal credit card account opened with XXXX XXXX XXXX in XX/XX/XXXX ( Account Number : XXXX ) with a balance of {$2500.00}. 
A credit card account opened with XXXX XXXX on XX/XX/XXXX ( Account XXXX : XXXX ) with a balance of {$6700.00}. 
These accounts have led to multiple fraudulent hard inquiries and late payments, as well as potential collections reported on my consumer FICO credit report. Additionally, the address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is also reported fraudulently. 

I have attached a list of the hard inquiries in question and a copy of my consumer FICO credit report, which clearly shows these fraudulent items. I do not recognize any of these accounts, collections, or hard inquiries, as they were not initiated by me. All items referenced are the result of identity theft and fraud. For further validation, I have included a copy of FTC Identity Theft Criminal Complaint # XXXX from the U.S. Federal Trade Commission. 

Demand for Relief : In light of the above, I respectfully request the following actions : Block Fraudulent Accounts : I request that all accounts, collections, and hard inquiries identified in this complaint be blocked from my consumer credit report within XXXX business days of receipt. 
Confirmation of Actions : Please send all written confirmation regarding the actions taken in response to this complaint to my email : XXXX. 
Thank you for your prompt attention to this serious matter. I look forward to your swift resolution.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I just recieved an update on my dispute with XXXX XXXX on my credit report payment history. XX/XX/year> payment was corrected to payed on time.thank you XXXX is still showing late payment. I showed proof of payment with bank statement. It is also showing XXXX as being late when earlier this month my report showed XX/XX/year> on time. There is a pattern of false reporting from either experian or XXXX XXXXXXXX All thats been happening is the late payments are shifting around on every dispute rather then done correctly and updated as paid on time. 

i am providing proof of this shifting back and forth on late payment dattes. This is unlawful and must be corrected to paid on time. please see credit reports from different months and the pattern of moving late payments around without showing any proof of late payments.
Consumer complaint received 2024-11-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (TX)

I called XXXX agency on XX/XX/scrub>XXXX  a little after XXXX XXXX XXXX. The agent did not state the mini XXXX. I had request to dispute the debt. He stated he would simply send me an itemized statement. I do not want an itemized statement as I had made clear. He said it would still be reported to my credit which I found very threatening as I take my credit very seriously. I am disputing this debt for quality of care. I asked to speak to a supervisor and he refused to get me a supervisor. I do not feel as if I owe this debt and I do not appreciate how this call went and I do have the right to have my dispute investigated which the agent had denied me.
Consumer complaint received 2024-09-25
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. (FL)

Hey 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

I looked at my Experian credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

I have tried to register on the Experian website on XX/XX/year>. When entering my last 4 of my SSN and mobile number said it could not verify me and needs more information It suggests to call the Experian customer service line on XXXX but I amunable to get assistance as the automated answering service keeps saying it does not understand my problem and won't transfer me to an agent as it says it needs more information. 

I would like a way to get through to an agent to discuss and resolve my issue.
Consumer complaint received 2024-09-25
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-18
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. (CA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2024-09-25
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: Experian Information Solutions Inc. (MO)

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 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I have not supplied proof under the doctrine of estoppel by silence, XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Please DELETE the following account from my consumer report as it is not mine. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account # : XXXX
Consumer complaint received 2024-09-25
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. (CT)

Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, XXXX and XXXX XXXX immediately! 

XXXX XXXX XXXX  XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$510.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$3700.00}
Consumer complaint received 2024-09-25
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. (NY)

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  XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX  XX/XX/year> Experian XXXX XXXX XXXXXX/XX/year> XXXX 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 2023-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (NJ)

My name is XXXX XXXX ... .., I am the manager of DARK ... ... .... XXXX XXXX registered in the XXXX of Pennsylvania XXXX 
In late XX/XX/2023, I initiated the opening of a checking account for the above XXXX at the PNC Bank branch located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I contacted XXXX XXXX XXXX XXXX XXXX ( Phone # XXXX ), providing all the necessary documents and finally get account No. ... ... ... XXXX, opened on XX/XX/2023. 
A couple of days later, XXXX sent me an email inviting me to visit a PNC branch ASAP, just to personally notify me that the account was opened mistakenly and should be closed. I simply asked to indicate in writing the reason for the closure - what rules or regulations were violated and why this became obvious only now. She refused to provide me with written reasons for this action. I insisted on receiving a written response from PNC Bank as to why the XXXX XXXX could not have an account in this branch. 
A couple of days later I received a debit card with a notification that the account was frozen, but again without any explanation. 
My numerous contacts with various PNC Bank representatives were unable to clarify the reason for this situation, and all of them refused to provide me with any written explanation. 
Today I received a letter notifying me, without any explanation, that the account will be closed on XX/XX/XXXX. When I called the helpline, bank representative XXXX told me at around XXXXXXXX XXXX on XX/XX/2023 that the account would be closed due to my abusive behavior. 
My problem is that PNC Bank has never provided a written explanation for its actions, which I consider discriminatory and defamatory, so I can not take any action to protect my rights and my reputation. But all my telephone conversations with PNC Bank representatives were conducted over their recorded lines. 
I am asking the Consumer Financial Protection Bureau to help me get a written explanation of why we can not have an account with PNC Bank and what exactly abusive behavior I have demonstrated. 
Thanks for the help, and please let me know if you need more information. 
XXXX XXXX ... ..... 
XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the improper handling of a private student loan and the subsequent inaccurate reporting of a charge-off on my credit report. Below are the details of my case : 1. Loan Details- The private student loan in question was originally held by XXXX XXXX XXXX or XXXX XXXX XXXX. However, this loan was sold to a debt company without any notification or communication to me regarding the sale. 

2. Fair Credit Reporting Act ( FCRA ) Violation : According to the Fair Credit Reporting Act, I should have been notified when my loan was sold, but this did not happen. Additionally, I was still enrolled in school at the time of the sale and charge-off, which means my loan should have been in deferment. Under normal circumstances, private student loans are deferred while the borrower remains in school. However, the lender/debt company failed to honor this deferment status. 

3. Charge-Off Details : Despite my student status, a charge-off of approximately {$3800.00} is still showing on my credit report. I have repeatedly disputed this charge-off with Experian, but they continue to claim that the reporting is accurate, which is not the case. This charge-off is severely impacting my credit and ability to secure housing. 

I respectfully request that the CFPB investigate this matter as a violation of the FCRA, and assist me in having this charge-off removed from my credit report. This situation has caused significant financial hardship due to this inaccurate and improper reporting. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in rectifying this situation.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One refused to allow me access to a check I deposited because they were suspicious of the sender 's account or me. The check came from my HOA and the phone number listed on the check is the cell number to the board president. It's a small condo association of XXXX units. They could not find the name of the HOA thru a XXXX search or in secretary of state so they dismissed that it was a real business. Then because they realized the number on the check was a personal cell phone, they said can't verify its really connected to the HOA. I even tried to see if the XXXX bank, XXXX, could reverse the funds back to the HOA. It took me XXXX phone calls to Capital One before a rep even agreed to contact XXXX to verify the board president has authorization on the account. I was Capital One customer for over 5 years. It took me XXXX hours on the phone. No one should have to go thru this as a customer.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Subject : Request for Removal of Late Payment Record. 

Dear XXXX XXXX XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported in XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 

I have always valued my relationship with XXXX XXXX XXXX and have made all my payments on time, except for this instance, which I believe may have been an error due to a delay in payment processing. Specifically, my payment was submitted, but it was processed 15 days later through no fault of my own. I have attached supporting documents that reflect the timing of my payment submission and the delay in processing. 

I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 

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

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-06-07
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. (NY)

Information and documents were provided to XXXX in efforts to remove negative information being reported by XXXX, however XXXX has not removed the negative information.
Consumer complaint received 2024-09-25
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)

Hello My Name Is XXXX XXXX XXXX I sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. its A credit card that Dont Belong To Me Its Many People With Same Name As me So Its got ta be a mix up however I did some investigating and the account does not belong to me wrong name my name Has Sr on it Heres the account number Account Name - XXXX XXXXXXXX Open date - XXXX Account name XXXX XXXX Open date XXXX According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do proper investigation according to the law. 
Also every piece of information on this account is not reporting 100 % Accurate. 
According to FRCA XXXX5 USC 1681 Everything has to be 100 % accurate Please remove This Account Wrong opening date I will be forced to seek legal representation to protect my rights. Should I take legal action become necessary, the following costs will be incurred : 1. Attorney 's Fees : Approximately {$3000.00} to {$5000.00} for legal services.

2. Court Costs : Estimated at {$500.00} to {$1000.00} 3. Potential Damages : Depending on the severity of the impact on my credit, damages may range from {$10000.00} to XXXX Im looking for this company to reinvestigate this account because it does not belong to me also remove from my credit file delete out they system because this my third time asking them to remove it does not belong to me Im bout to take legal action at this point I need to know who verified this account also send me copy showing they deleted out they system