davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
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)

Dear Sir or Madam, I am a victim of identity theft. The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. 
Identify item ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX is beingvreported as late. This is inaccurate and there is only one XXXX XXXX account. My credit reportvshows two seperate accounts. Please see attached document from creditor that reflects the inaccuracies that show on my report. 15 U.S.C. .C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 

Attachments
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

My accounts 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/updated.

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.

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!
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-09-27
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. (PA)

RE : Inaccurate Late Payment Reported Inaccurately Inaccurately Reported Account : XXXX XXXX XXXX Under the CARES Act, if you had an agreement with your lender or creditor to defer payments, enter forbearance, or make partial payments due to the XXXX pandemic, your account was generally protected from being reported as delinquent. Specifically, for late payments, the CARES Act required that account must be reported as current if they were current before the agreement was made, even if payments were deferred or reduced. This protection was effective from XX/XX/XXXX, and lasted until 120 days after the national emergency concerning XXXX was terminated. The emergency declaration was officially terminated on XX/XX/XXXX, which means the protections would have lasted until XX/XX/XXXX. If your lender did not honor this, you may have grounds to dispute the late payment. The account is opened last XX/XX/XXXX, and protected from being reported as delinquent. The payment history and the status of this account is inaccurate. This account should not be late pursuant to the CARES Act. Thoroughly investigate and update with lawful accuracy. 
This account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. Please reverse the late payments under the CARES ACT. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Thank you for your urgent attention in this important matter.
Consumer complaint received 2024-09-27
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (DE)

In accordance with Fair Credit Reporting Act : This creditor has violated my rights. 

Under 15 USC 1681 section 602 ; States I have right to my privacy.

15 USC 1681 section 604A section 2 ; Consumer reporting agency can not furnish my account without my written instruction.

15 USC 1666B. A credit agency should not treat a payment on an account XXXX XXXX XXXX XXXX XXXX XXXX under an open and consumer plan as late payment for any purpose.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-27
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)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the grace period : My records indicate that the payment for the due date in XX/XX/XXXX and XX/XX/XXXX was submitted on time, which falls within the creditor 's 15-day grace period. This makes the " 30 days late '' reporting inaccurate.

No notification of delinquency : I never received any notice or communication from XXXX XXXX regarding a delinquency, which is required by law before reporting a late payment. 
Evidence Provided : I have attached bank statements showing the payment was processed and confirmation emails from XXXX XXXX verifying the receipt of the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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)

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection, dissemination, and use of consumer credit information. It doesn't have a specific " code '' for reporting on your credit report without permission, but it does outline certain protections. Key provisions related to reporting without permission include : Permissible Purpose ( 15 U.S.C. 1681b ) : This section states that consumer reporting agencies can only provide your credit report for specific purposes, like when a lender is considering a credit application or when a potential employer performs a background check ( with your consent ). Unauthorized Access and Reporting : Under the FCRA, if someone obtains or reports your credit information without a valid reason ( known as " impermissible purpose '' ), this is a violation of the law. If your credit information is accessed or reported without your permission, you can file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or potentially take legal action against the party in violation.
Consumer complaint received 2024-10-01
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. (TX)

I need immediate attention regarding this issue as it is very alarming. There are credit inquiries on my credit report that I don't recognize nor applied to. I did not authorize this nor given consent to these companies to pull up my credit report. It is stressing me and making me XXXX  on why and how this happened.
Consumer complaint received 2024-10-01
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. (NY)

ive recently received a copy of my credit report and noticed that several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

***-**XXXX 
Cc: Consumer Financial Protection Bureau 
Cc: Attorney Generals Office 
Cc: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is in reference to the account listed on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXX. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory reply. Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting this erroneous item. 

Thank You,

 XXXX XXXX  

Further more I would like to add there was a finding about the settlement between Consumer Financial Protection and XXXX XXXX XXXX XXXX. for Credit reporting violations. The link below shows the article as well as the PDF of ADMINISTRATIVE PROCEEDING File NoXXXX XXXX-
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-27
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. (MA)

l am writing to formally dispute a fraudulent account that has appeared on my Experian credit report. Upon reviewing my credit file, I have identified an account under the name XXXX that I did not open, authorize, or have any involvement with.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the grace period : My records indicate that the payment for the due date in XX/XX/XXXX and XX/XX/XXXX was submitted on time, which falls within the creditor 's 15-day grace period. This makes the " 30 days late '' reporting inaccurate. 
No notification of delinquency : I never received any notice or communication from XXXX XXXX regarding a delinquency, which is required by law before reporting a late payment. 
Evidence Provided : I have attached bank statements showing the payment was processed and confirmation emails from XXXX XXXX verifying the receipt of the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-09-27
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. (TX)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2024-09-27
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-27
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. (MS)

Based on, 15 U.S code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt. Under 15 US code 1681 e ( b ) & 15 US code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights. Pursuant 15 USC 1681 Section 602 A states I have rights to privacy Pursuant 15 USC 1681 Section 604 A Section 2, it states a consumer reporting agency can not furnish an account without my written instructions. I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims & will require you to delete all of listed items above. You are required to do what I'm 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..