davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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: EQUIFAX, INC. (OH)

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 2024-10-08
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. (MI)

XXXX XXXX is continuously violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). I have disputed this account multiple times and even sent letters directly to them, yet they have failed to conduct a proper and thorough investigation. If they had performed an actual investigation, they would not be furnishing incorrect addresses, such as XXXX XXXX XXXX, XXXX, MI XXXX, where I have never resided. This demonstrates their complete lack of due diligence in verifying the accuracy of the account information. 

I am requesting actual proof that I opened this account. Electronic documents can easily be edited, and stolen IDs can be fraudulently used, making their current verification methods inadequate. XXXX XXXX has allowed dealerships to open accounts fraudulently without proper verification of the consumer 's identity, relying on contracts full of violations that anyone could sign. This is not in compliance with FCRA standards. 

In addition to XXXX XXXX violations, XXXX, Equifax, and XXXX are also in violation for continuing to report this account despite the obvious discrepancies and my multiple disputes.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One removed credit card account from XXXX report and added a remark of " discharged by bankruptcy. '' Account was never discharged by bankruptcy and is active, open and used daily. Capital One told me they can not discuss anything about credit reports and told me to dispute with XXXX which was not successful.
Consumer complaint received 2024-10-08
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)

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (NY)

Ive been mislead into thinking Id make a simple task without the knowledge of being scammed. My bank at the time ( Navy Federal Credit Union ) called me to ask if I wanted a transaction of $ XXXX to go through. Since this is what the person told me to do I said yes. With that being said my bank let it go through. The person doing the transactions had other plans as they emptied the whole credit card of $ XXXX. Those other transactions I never gave consent to! Being freshly XXXX I had no idea I was being scammed, until my mother told me. Ive made several complaints to the bank via calls. Ive done an appeal for my account back, since they closed it soon after, which they approved, but they then closed the credit card to where I could only pay & not use. Ive made several payments towards this bill when I had a better paying job, but after no longer working there I could only stop paying all together. After that situation I was never able to pay it off and its going on 2 years now. There has also been several miscellaneous accounts being opened in my name, which I havent made. Everytime I do a complaint they go on deaf ears, I just honestly want somebody whos been a XXXX XXXX before to understand my point of view. Im not looking for sympathy but Im human & I dont feel like I should be getting all of this backlash. Id just like some type of leeway, some help from anyone. Thank you, for whatever you can do for me!!
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: NAVY FEDERAL CREDIT UNION (FL)

NAVY FEDERAL AND XXXX never had XXXX ' direct consent or contract/agreement giving direct permissible purpose to each therefore granting the sharing of XXXX consumers non XXXX. Personal information ; stating they XXXX NOT share her non public personal information according to 15 USC 6801. written instruction to share the consumer info has never been given nor presumption does not constitute acting on behalf of the consumer. It is aggravated identity theft to misuse a consumer and their endorsements. There Must be lawful obtaining of consumer information, as nothing was initiated by the consumer, as they do not have permission to communicate to or with a consumer ( 15 USC 1692j ) please provide the authorization from XXXX ' to sell or give NFCU AND XXXX HIS CONSUMERS '. In direct violation of The Privacy Act, 4th amendment, 15 USC 1681c2, a2, and the GLBA.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank processed a {$12000.00} debit transaction on XX/XX/year>. I informed them that the transaction was not authorized and was fraudulent. Citizens Bank reached out to the originating bank and on XX/XX/year>, informed me they ( Citizens Bank XXXX had concluded the transaction was " valid '' and provided me with paperwork purporting to support the transaction. I called Citizens Bank and pointed out issues with that paperwork that made it suspicious and unpersuasive. Citizens Bank informed me that they would conduct a " Second Level '' review and get back to me. That " Second Level '' review was never conducted despite numerous requests by me and assurance from the bank. 

See documentation attached.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Between XX/XX/XXXX and XX/XX/XXXX XXXX added XXXX  new loans to my credit report. They are now stating that I had XXXX  missed payments in XX/XX/XXXX when I have not had a missed payment ever. They even provided a statement on my credit report that customer disputes this information. They are claiming that I made a late payment in XXXX for a loan that was closed in XXXX, XXXX, XXXX then on top of that XXXX has listed a second time claiming that the very same payments were all made late in XXXX. The company is completely inept, I cant even upload my documentation to prove my income and they refused to correct the records
Consumer complaint received 2024-09-20
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. ()

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-20
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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

Account Name : XXXX -Account Number XXXX Account Name : XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX  XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  -DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  -DATE XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX -DATE OPENED XX/XX/XXXX
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX
Consumer complaint received 2024-09-20
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. (OH)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

On XX/XX/year> I called XXXX over a bag I had purchased however it was not XXXX. They were posing to be XXXX and then began to tell me that my XXXX account was being hacked for {$9000.00} through my XXXX  .using XXXX charges XXXX XXXX something I never heard of and told me I had to verify my account through XXXX I have only made a few transactions through XXXX but this time city detected fraud, suspicious activity, but did nothing to block my account stop the transaction from going through. They only sent me a letter a week later they took my entire Social Security money and then some total {$1900.00}. I feel that Citibank did nothing to protect my account. I have done a customer for over 40 years. Maybe its time to leave them.
Consumer complaint received 2024-09-20
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. (GA)

Dear Sir/Madam, URGENT REQUEST FOR REMOVAL OF INACCURATE EVICTION ATTEMPTS I am writing to urgently dispute and demand the removal of eviction attempts from XXXX XXXX and XXXX XXXX that are inaccurately reported on my credit file. I have never been evicted from any property, and these entries are entirely false. These erroneous eviction attempts are putting me at immediate risk of not being able to secure housing and are causing undue emotional distress. Landlords are reviewing this incorrect information and making decisions based on false records, severely hindering my ability to find a new home. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have only accurate and verifiable information on my credit report. Section 611 of the FCRA mandates that credit reporting agencies investigate disputed information and delete any unverifiable, inaccurate, or incomplete entries within 30 days. However, due to the urgency of my housing situation, I am demanding that you correct these false eviction attempts within 3 days. Additionally, under the Fair Housing Act ( 42 U.S.C. 3601 et seq. ), landlords and property managers may deny housing based on incorrect eviction information, which constitutes a barrier to fair housing access. This misinformation is subjecting me to housing discrimination, violating my rights under federal law. Moreover, I bring your attention to the penalties outlined under the Consumer Financial Protection Bureau ( CFPB ) regulations. Failure to promptly address inaccurate information can result in civil liability for willful noncompliance, as per 15 U.S.C. 1681n, and negligent noncompliance, under 15 U.S.C. 1681o. You are required by law to maintain accurate information, and continued reporting of these false eviction attempts is both a breach of your legal obligations and a serious detriment to my rights. Below are the specific details of the inaccuracies : Property XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX Dates of Alleged Eviction Attempts : [ Insert date or date range, if known ] I have attached documentation confirming that I have never been evicted. I request that these inaccurate eviction attempts be removed from my credit report within 3 days of receipt of this letter. Failure to do so may leave me with no option but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action under the FCRA. Upon completion of your investigation and removal of these erroneous entries, please send me a copy of my updated credit report showing these corrections. Thank you for your immediate attention to this critical matter. I expect your prompt response and resolution. Sincerely, XXXX XXXX
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. ()

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-20
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. (OH)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-09-20
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 2024-09-20
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. (FL)

The fraudulent account is with XXXX XXXX, and inquiries were opened using my credit with XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I demand the removal of these fraudulent items from my XXXX, XXXX, and Experian credit reports, in accordance with my rights under the FCRA and FDCPA laws. 

Accounts Affected by the Crime : XXXX : XXXX Date Fraud Began : XXXX. XXXX, XXXX Date Discovered : XXXX, XXXX Total Fraudulent Amount : {$2500.00} XXXX : XXXX Date Fraud Began : XXXX. XXXX, XXXX Date Discovered : XXXX, XXXX Total Fraudulent Amount : {$2500.00} EXPERIAN : Company or Organization : XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$2500.00} Fraudulent Information on Credit Reports I confirm that fraudulent accounts or charges appear on my credit report, including inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX Experian and XXXX credit reporting agency , block the information appearing on my credit report that is a result of identity theft and fraud within four business days of receiving this complaint. The fraudulent information includes a personal store card account opened at These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize any of the aforementioned accounts, collections, or inquiries, as they were not initiated by me. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof that these items are the result of identity theft and fraud.