davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-08-06
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. (FL)

This complaint concerns XXXX inaccurate reporting of my consolidated student loan, which has significantly impacted my credit profile. After consolidating my student loans in XX/XX/XXXX, XXXX initially reported the debt as XXXX separate loans but later combined them into XXXX, creating material inaccuracies. I seek the correction of my credit reports to accurately reflect my student loan history and amounts. 

I have received XXXX 's response to the initial CFPB complaint regarding the Department of Education consolidation account opened on XX/XX/XXXX. However, XXXX 's response materially failed to acknowledge the issues detailed in the complaint and subsequently failed to resolve the matter. It is now apparent that XXXX has elected to dismiss the material inaccuracies brought to its attention. Despite a series of failed disputes filed with the CRAs and with XXXX directly, XXXX has maintained an unlawful inaction to correct the errors. The issues outlined in the complaint, coupled with the supporting documents highlighting the specific errors, can not make the errors any clearer. With all involved parties included in this complaint, there is no excuse for XXXX or the CRAs to continue placing the responsibility to correct known errors on the other party. Because XXXX continues to abdicate its duties under the FCRA, I have resubmitted this complaint as a last resort before seeking legal action. I have the right to a complete and accurate report, and as long as the errors described in the complaint remain, XXXX remains liable. 

After completing my XXXX XXXX from XXXX University in XXXX, I refinanced my student loans in XX/XX/XXXX. XXXX, the data furnisher and federal student loan servicer, managed the loan consolidation process, resulting in a total consolidated loan amount of {$210000.00}. XXXX confirmed the consolidation and began reporting the debt as XXXX separate loans on my credit profile : {$30000.00} ( subsidized ) and {$180000.00} ( unsubsidized ). 

From XX/XX/XXXX to XX/XX/XXXX, XXXX reported these as XXXX distinct loans. However, in XX/XX/XXXX, XXXX changed this reporting, deleting the {$180000.00} loan from my credit reports and increasing the balance of the {$30000.00} loan to {$210000.00}. Despite an established XXXX account history, XXXX made XXXX effort to address the reporting inaccuracies caused by this change. 

As a result, my credit profile inaccurately represents my loan history and falsely presents me as a higher-risk consumer due to the perceived incurrence of significant new debt in the past 12 months. Despite my disputes, XXXX and the credit reporting agencies ( CRAs ) have failed to correct these inaccuracies as required by law. 

I request a swift resolution, including the complete updating of my student loan account to accurately reflect the loan history and amounts. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-30
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. (TN)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-23
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)

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : XXXX XXXX XXXX On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) XXXX received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 

Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 

I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 

Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX Make sure to fill in the brackets with your information and any specific details related to your dispute. If you have any documentation, its a good idea to reference that as well.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Experian credit report prepared for XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2017 Credit Reporting Bureau Dear Sir or Madam ; I disputed the referenced accounts above on ( date you sent them original dispute letter ).  The credit report of ( date you received notification it was removed ) the letter sent to me by you shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

The item Debt Collector Original Creditor Balance Owed Credit Items XXXX/XXXX  Account Number : XXXX .... 
Outcome : Deleted - This item was removed from your credit report. Please review your report for the details. 
Per previous dispute Furthermore this account is a fraudulent account and need to be removed immediately *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the  business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX DOB XX/XX/XXXX
Consumer complaint received 2024-08-12
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. (NV)

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 XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$19000.00} 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.
Consumer complaint received 2020-06-17
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: Experian Information Solutions Inc. (DC)

I have contacted the three credit bureaus regarding XXXX XXXX account on my credit report. The law says that delinquency are to remain on credit reports counting from the first time the account was delinquent. The first time that my account appeared delinquent and reported by XXXX XXXX was in XXXX. All three credit bureaus dropped my XXXX credit reporting fromXXXX XXXX  and started the reporting from XXXX with a negative reporting in XX/XX/XXXX. This information is incorrect and the reporting should date back to XXXX -- -meaning this account should be removed from my report from all three credit reporting agencies because the XXXX XXXX falls in the 7 year delinquent rule and should have been removed from my credit in XXXX. We are now in year XXXX and the XXXX XXXX has screwed up my reports on all three account more than 3 years past the time that he should have been removed. 

In regards to XXXX XXXX. My credit card was closed due to misuse of the card by fraud and the company cancelled that account and re-issued me a new credit card. The three credit bureaus decreased my score in XXXX, XXXX and XXXX involving this account. The account has never been delinquent, but my score is screwed with this account monthly in order to justify decreasing my credit score. 

XXXX XXXX scores for the three credit reporting agency has decreased my credit score as much as XXXX points in XXXX and decreased again in XXXX. This card is constantly used by the three credit scores to decrease my credit score, but the card is currently. Even when the balance is low, the three credit bureaus do not add the deduction amount that they used for decreasing my credit score.
Consumer complaint received 2020-06-17
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. (DC)

I have contacted the three credit bureaus regarding XXXX XXXX account on my credit report. The law says that delinquency are to remain on credit reports counting from the first time the account was delinquent. The first time that my account appeared delinquent and reported by XXXX XXXX was in XXXX. All three credit bureaus dropped my XXXX credit reporting fromXXXX XXXX and started the reporting from XXXX with a negative reporting in XX/XX/XXXX. This information is incorrect and the reporting should date back to XXXX -- -meaning this account should be removed from my report from all three credit reporting agencies because the XXXX XXXX falls in the 7 year delinquent rule and should have been removed from my credit in XXXX. We are now in year XXXX and the XXXX XXXX has XXXX   up my reports on all three account more than 3 years past the time that he should have been removed. 

In regards to XXXX XXXX. My credit card was closed due to misuse of the card by fraud and the company cancelled that account and re-issued me a new credit card. The three credit bureaus decreased my score in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX involving this account. The account has never been delinquent, but my score is XXXX with this account monthly in order to justify decreasing my credit score. 

XXXX XXXX scores for the three credit reporting agency has decreased my credit score as much as 67 points in XXXX and decreased again in XXXX. This card is constantly used by the three credit scores to decrease my credit score, but the card is currently. Even when the balance is low, the three credit bureaus do not add the deduction amount that they used for decreasing my credit score.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

CFPB Write up In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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
Consumer complaint received 2024-08-06
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. (LA)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Your agency is in violation!

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 2024-10-21
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA (LA)

On XX/XX/year>, a $ XXXX ACH withdrawal hit my XXXX XXXX XXXX XXXX account and the money was sent to what appears to be a Marcus Goldman Sachs Savings / Checking account fraudulently set up in my name ( identity theft ). I've contacted Goldman Sachs twice to inquire and both agents have been unable to help. I have challenged the transaction with XXXX XXXX XXXX as well. The routing number of the destination account is XXXX, and I know no other account information at this time. It is sad that it is so easy to set up an bank account in someone else 's name at Goldman Sachs and also to allow linking to external accounts for withdrawals.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MA)

Despite my repeated attempts to address this issue, the fraudulent items remain unresolved. The persistence of these unauthorized transactions on my credit file is a serious concern that has yet to be adequately addressed. The presence of these fraudulent items is not only compromising my financial security but also significantly affecting my creditworthiness. The lack of resolution after multiple attempts to rectify this situation is unacceptable and has caused me considerable stress, inconvenience, and potential financial harm. To support my claim, I have attached all relevant documentation once again, including detailed statements highlighting the fraudulent items and any additional information that could aid in the investigation. I expect prompt updates on the progress and actions being taken until this issue is fully resolved. With this, I am asking for your help to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-06
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)

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 
They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report 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 who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX companies non XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX Mississippi d I v of c XXXX x x Get it now XXXX Get it now XXXX Get it now XXXX XXXX XXXX XXXX  and XXXX & XXXX XXXX XXXX miscellaneous and public record professional XXXX placements XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX WI XXXX XXXX XXXX info miscellaneous public XXXX XXXX collection account XXXX Account XXXX ... XXXX... XXXX personal loan company Premium credit bureau miscellaneous r e p t g. agencies ... XXXXThese are all collections