davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (TX)

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

The letters are stated with items and issues. 

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 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-17
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2024-10-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (VA)

On or about XX/XX/year> I requested proof of sale and any information regarding my balance. I received no response as of date. After not receiving response, I submitted information to the CFPB XX/XX/year> in hopes of getting the information requested and some type of resolution. Received response on XX/XX/year> regarding this alleged account and close of my complaint. The document sent regarding this closed account is not from Santander Consumer USA but from Chrysler Capital which has nothing to do with the matter at hand.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to dispute the accuracy of several charge-off accounts listed on my credit report. I believe these accounts contain errors and require further investigation. 

The following accounts are in dispute : XXXX XXXX  ( Account number : XXXX XXXX ) XXXX XXXX ( Account number : XXXX XXXX ) XXXX XXXX XXXX XXXX Account number : XXXX XXXX ) I request that you thoroughly investigate these accounts to verify the accuracy of the information reported. Please provide me with detailed information Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (HI)

On XX/XX/year>, I made a payment of {$900.00} to my U.S. Bank credit card, expecting that the funds would be promptly available as credit. However, my available credit was not updated after the payment was processed. I contacted U.S. Bank multiple times ( on XX/XX/XXXX, XXXX, XXXX, and XXXX ) to inquire about this issue and request a resolution. 

On XX/XX/XXXX, I initially reached out via chat, where the representative advised me to call for more information. When I called, the phone agent informed me that the funds would be available the following day. However, during the chat session, I was also told that the funds would not be available until as early as XX/XX/XXXXXXXX XXXX or as late as XX/XX/XXXX, with a typical hold period of 7-10 calendar days. As of today, the credit is still not available. 

This delay has significantly impacted my ability to access the credit I need for timely bill payments. I was not informed about this hold policy before making the payment to my credit card. If U.S. Bank had disclosed this delay in advance, I would have made other arrangements. The lack of transparency surrounding this policy has led to financial hardship, as my bills are now delayed due to this unexpected restriction on my funds.
Consumer complaint received 2024-08-23
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. (TX)

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 informationisinaccurate.
Consumer complaint received 2024-08-23
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. (AL)

I am filing this complaint with the CFPB under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that you, the credit reporting agency , block and remove information from my consumer credit report that resulted from identity theft and fraud within 4 business days of receiving this complaint. I am deeply concerned about the inaccuracies on my report, which are detailed below. 

The fraudulent information includes five collections accounts and charge-offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts have led to multiple erroneous hard inquiries and collections on my XXXX credit report, causing significant stress. I demand the removal of these fraudulent items from all my credit reports and the cessation of any collection activities related to these accounts, in accordance with my rights under FCRA and FDCPA laws. For verification, I have attached a copy of the FTC Identity Theft Complaint # ( XXXX ) from the US Federal Trade Commission, confirming that these credit accounts, collections, and inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-22
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)

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 2024-10-22
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. (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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (SC)

I did not provide authorization or consent for this inquiry, and I am concerned about the impact it may have on my credit score.

Under the Fair Credit Reporting Act ( FCRA ), only inquiries with proper authorization should be included in a consumers credit file. As I did not authorize this inquiry, I am requesting that you immediately remove it from my credit report.

Please provide written confirmation of the removal of this inquiry. If you require any additional information from me to complete this investigation, feel free to reach me at the contact information provided above. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : - ITEMS IN DISPUTE Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Employers : XXXX XXXXXXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, Employers : XXXX XXXX XXXX : XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX, XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
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)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for.

Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX  days! 
These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any turner harm to my financial well-being.
Consumer complaint received 2024-10-15
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. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with this unknown collection. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

In XXXX, during the height of the XXXX pandemic, I faced severe financial hardship due to the widespread economic impact and loss of employment. Given the unprecedented circumstances, I believed that credit reporting agencies and creditors were instructed to provide leniency and not adversely affect credit reports for accounts impacted by the pandemic. This belief was based on the understanding that the XXXX XXXX and similar protections were in place to prevent negative credit reporting during such a crisis. 

At the time, I did not anticipate that my account would be reported negatively. I assumed that the credit reporting agencies and creditors were adhering to guidelines to protect consumers during this period. Consequently, I did not take further action to dispute the account, as I believed that the situation would be handled appropriately given the widespread financial struggles caused by the pandemic. 

The account in question was reported with late payments and a vehicle repossession. I am now seeking correction of this information to ensure it accurately reflects the impact of the pandemic and the protections afforded under the XXXX XXXX.
Consumer complaint received 2024-08-25
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. (MO)

Notice to agent ( s ) is notice to principal ( s ). Notice to principal ( s ) is notice to agent ( s ). 

I am writing to dispute inaccurate information on my consumer report related to the following accounts : 1. XXXX Account XXXX : XXXX Status : Account charged off ; {$2100.00} written off. 
Dispute Reason : This account was charged off and written off as income, per IRS regulations, and can not legally be reported on a credit report. I demand its immediate removal under 15 USC 1681e ( b ). 

2. XXXX XXXX # 1 Account Number : XXXX Status : Account charged off ; {$450.00} written off. 
Dispute Reason : Charged-off accounts considered as income should not appear on a credit report. Remove this account per 15 USC 1681e ( b ). 

3. XXXX XXXX # 2 Account Number : XXXX Status : Account charged off ; {$1300.00} written off. 
Dispute Reason : As with the above, this charged-off debt has been written off and reported as income, which must not appear on a credit report. Please delete this entry in accordance with 15 USC 1681e ( b ). 

XXXX. XXXX XXXX. 

Account Number : XXXX Status : Account charged off ; {$240.00} written off. 
Dispute Reason : This account is incorrectly reported as charged off. As income, this can not be legally included in a credit report. I request its deletion under 15 USC 1681e ( b ).

The Fair Credit Reporting Act ( 15 USC 1681e ( b ) ) requires that your company ensures the maximum accuracy of any information included in a consumer report. Reporting charged-off accounts that have been written off as income violates these legal requirements. Additionally, 15 USC 1681a clearly outlines the exclusions for reporting information like charge-offs, which are treated as income.

Resolution Requested I demand the immediate deletion of all aforementioned accounts from my consumer report. Additionally, please send me a free copy of my updated consumer report reflecting these corrections.

Failure to comply with my demands will result in legal action against your company, and I will seek damages of {$1000.00} per violation for defamation of character, negligent enablement of identity fraud, and willful noncompliance with the FCRA.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX