davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
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. (MS)

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 Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX 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 an 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 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/year> 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/year> Nature of Complaint : I submitted a dispute to Equifax XXXX 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 made within the 15-day grace period : My payment for XX/XX/year> was made on time, which falls within Capital Ones 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Error caused by automatic payment system : I had set up an automatic payment for XX/XX/year> through XXXX XXXX 's payment system. However, due to a system error, the payment was delayed and processed late. This was an error beyond my control, and I acted promptly to resolve the issue when notified. 
Evidence provided : I have attached my bank statements and the payment confirmation showing that the payment was made on time, confirming that I acted within the allowed time frame. Additionally, documentation from XXXX XXXX acknowledging the system error has been included. 
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 XXXX, 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
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Subject : Demand for Deletion of Late Payments on Credit Report Dear Sir/Madam, I recently reviewed my credit report from TransUnion and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the accounts in question, along with their respective account numbers : XXXX. [ XXXX XXXX XXXX ] - Account Number : XXXX XXXX. [ XXXX ] - Account Number : XXXX After a closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, it is evident that there has been a violation of my consumer rights. The law explicitly states : GENERAL : According to subsection ( c ), any consumer reporting agency may furnish a consumer report under certain circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

I must inquire whether I provided written instructions for the inclusion of these late payments in my report. If not, it is essential to rectify this issue promptly.

Additionally, according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer report specifies : Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include, subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Because of this, I kindly request the removal of the aforementioned late payments from my consumer report as they may be in violation of 15 USC 1681. I look forward to your prompt attention to this matter and a timely manner.

Thank you for your assistance in ensuring the accuracy and compliance of my credit report with applicable consumer protection laws.
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (AL)

I am a license XXXX XXXX agent in the state of Alabama. On XX/XX/2021 I took a rent payment via the app Cash App for XXXX XXXX and XXXX dollars. Approximately ninety days later my tenant filed a dispute with her bank over the charge. I can easily prove it is a valid charge. 

Here is the issue. Because the charge was through Cash App, the bank does not know who actually received the money and when I asked Cash App for the banks information Cash App refused to provide it. 

Because of this : 1 ) The bank can not properly investigate the disputed payment.

2 ) I can not contact the bank to provide information about the disputed amount. 

Cash App advice is too me was to contact the sender directly. With Cash App effectively giving her a default judgement from her bank, she has no reason to cooperate.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TN)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Incorrect Bankruptcy Reporting Credit Report Reference Number : XXXX Social Security Number : XXXX Dear TransUnion Consumer Solutions, I am writing to formally dispute the incorrect bankruptcy entry on my TransUnion credit report. After reviewing my credit report, I noticed a bankruptcy filing that should not be listed, as I have never filed for bankruptcy. In an effort to investigate this matter, I contacted the bankruptcy court directly, and they confirmed that they do not report information to any credit bureaus. 

FCRA - Right to Dispute Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am exercising my right to dispute any inaccurate, incomplete, or unverifiable information. This bankruptcy entry is erroneous and must be removed from my credit report. Per the FCRA, you are required to : Conduct a reasonable investigation regarding this disputed bankruptcy entry.

If the bankruptcy entry can not be verified, it must be deleted or corrected on my credit report.

Provide me with a new, updated credit report reflecting the results of your investigation.

Notify me of the results of your investigation within 30 days of receiving this letter.

Details of Disputed Information : Type of Dispute : Incorrect Bankruptcy Reporting Date of Bankruptcy Reported : XXXX. XXXX, XXXX Court/Location Reporting the Bankruptcy : XXXX XXXX Bankruptcy : Bankruptcy Bankruptcy Court 's Confirmation : The bankruptcy court has confirmed that they do not report to credit bureaus. 

Therefore, the information on my credit report is not only inaccurate but also unverifiable through the appropriate channels. In light of this, I request that the erroneous bankruptcy entry be immediately removed from my credit report. 

Enclosures : A copy of the section of my credit report highlighting the inaccurate bankruptcy entry. 

Any additional documentation that may support this dispute ( if applicable ). 

If this matter is not resolved in a timely fashion, I will be forced to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies, and I may also seek legal remedies to protect my rights. 

I appreciate your prompt attention to this dispute and expect a swift resolution in accordance with the FCRA. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-05
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 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 made within the 15-day grace period : My payment was made on time, which is within Toyotas 15-day grace period. The payment was not late and should not have been reported as 30 days overdue. 
Clerical error by XXXX XXXX XXXX XXXX : My payment was processed on time, but due to a clerical error by XXXX XXXX XXXX XXXX, it was incorrectly reported as late. This error has caused inaccurate reporting across all three credit bureaus. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time, well within the allowed grace period. This clearly demonstrates that no delinquency occurred. 
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
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX My correct address isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2024-10-10
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. (MD)

" 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 2024-10-05
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. (FL)

I do not validate this inquiry from these entities. Therefore, the following inquiries must be deleted from my report immediately : 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 2023-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

On XXXX XX/XX/2023 I was drugged and robbed in XXXX XXXX. They stole my phone and wallet and got into most of my accounts. A police report was filed with XXXX XXXX police department and I called USAA through my friends phone on XX/XX/XXXX. They said they locked my account and marked all charges after that as fraudulent. In which they did not lock my account and I has to call back three more times. I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and communicated numerous times through their chat as well about a {$1000.00} XXXX charge that was not authorized. Everytime I called they said it has not been disputed and to call back in ten days since they disputed it. Finally I had enough and said cancel all my accounts because the hackers had the routing and account number and they kept saying the charge had not been distributed after calling back numerous times. I feel as if they just tried to push it so I would not get the money back even though it was fraudulent. There was other numerous charges as well that I marked fraudulent and got back with no problem.
Consumer complaint received 2023-10-09
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: Experian Information Solutions Inc. (FL)

On XX/XX/2023 I sent letters to EXPERIAN, XXXX and XXXX about account XXXX  account number XXXX with proof that they are reporting inaccurate information on my credit which is negatively impacting my life. I can not get a job that I desperately need because these companies are not reporting accurately. The payment history is completely inaccurate also the dates, limits and activity if this account.
Consumer complaint received 2023-08-11
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. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
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: EQUIFAX, INC. (MN)

I request in writing XX/XX/year>, to XXXX XXXX XXXX XXXX to stop reporting negative impressions to my credit report. It stopped and then continued. I tender special deposit to XXXX XXXX XXXX XXXX XX/XX/year>, to pay off the account and made Affidavit of Notary Presentment and Certificate of Mailing XX/XX/year>, with Payment in full. I got no response and acknowledgement of my Notice of Acceptance with presentments and payment for the accounts. Instead, they keep reporting delinquency to my account and have their attorney file a lawsuit against my estate. As the implied surety of the Principal Debtor, I have the right to tender payment via special deposit. 
It was neither acknowledge nor rejected. 
This continued negative reporting is harming my financial health and ability to gain credit in good faith.
Consumer complaint received 2023-11-02
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)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX XXXX on XX/XX/2022. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's giving me XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

Experian has mixed my credit file with many other people. They did not even have my correct SSN on my report. I called and spent over an hour on the phone with someone XXXX weeks ago disputing all of the incorrect information. Experian stated they performed their investigation and the information they have on my report will stay. The issue is, as I explained AGAIN today, is they have several other people mixed in to my report and because of that, I've had collection agencies put garnishments on me and try to summons me at my address when it should be for either XXXX XXXX or XXXX XXXX. I spoke with a specialist today by the name of XXXX with Experian who said she could see that files were mixed and she would work to get them split and corrected. I also informed her that I have been trying for XXXX weeks to upload documents that prove my address for the last XXXX  years, my SSN and the fact I'm on XXXX and the website is rejecting them. I was told I needed to send the files to a XXXX XXXX XXXX I'm not comfortable sending copies of my personal information to a XXXX XXXX XXXX I should be able to send them via certification so Experian can not dispute they received.