davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-15
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. (TX)

Subject : Formal Complaint Against Experian and XXXX XXXX XXXX Identity Theft and Reporting Violations Dear Consumer Financial Protection Bureau, I am filing a complaint against Experian and XXXX XXXX for refusing to remove late payments from my credit report despite informing them that the account was created through identity theft. I have been disputing the XXXX XXXX account since XXXX, while identity theft has been an ongoing issue since XXXX. 

Attached are the FTC Identity Theft Report and the XXXX police report. Despite these documents, both Experian and XXXX XXXX continue to report late payments. Experian has also failed to delete the fraudulent account even after conducting their investigation. This violates several federal and state laws. 

Violations : XXXX. Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) Failure to provide information on how my personal data is handled. 


XXXX. 15 U.S.C. 1681 Section 602 Ensures my right to privacy in credit reporting, violated by reporting a fraudulent account. 


XXXX. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Reporting an account without my written authorization. 


XXXX. 15 U.S.C. 1666b Treating a payment as late when an identity theft dispute is ongoing. 


XXXX. Texas Finance Code 392.301 ( a ) ( 3 ) Falsely representing that nonpayment will lead to property seizure without proper notice. 


XXXX. Texas Business and Commerce Code 20.06 Rights to dispute and block fraudulent information from identity theft. 



I initially sought XXXX relief as a final attempt to resolve this issue amicably. This is my last demand before pursuing legal action. 

Request for Action : I request the CFPB to assist in having Experian and XXXX XXXX : XXXX. Remove all late payment reports related to the fraudulent XXXX XXXX account. 


XXXX. Disclose the results of their investigations into my identity theft claims. 


XXXX. Cease reporting the fraudulent account to credit bureaus. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-31
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: EQUIFAX, INC. (TX)

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 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-10-28
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: Mercedes Benz Financial Services (PA)

The derogatory rating on my account has directly resulted in loan denials and increased interest rates across my credit accounts. This rating must be deleted and blocked from all three consumer reporting agencies immediately, as required by law.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I am filing a formal complaint against XXXX & all credit bureaus for their mishandling of my student loan deferment request, which has resulted in significant and unwarranted damage to my credit score. On XX/XX/year>, I submitted a request to defer my student loans due to my enrollment in school, along with all required documentation. XXXX initially rejected my request, incorrectly stating that the official 's signature was missing, a mistake they later acknowledged because the officials signature indeed was there. XXXX, a loan specialist at XXXX, assured me that the forms would be reprocessed. As of XX/XX/year>, my deferment request has still not been processed, and I have experienced a drastic drop in my credit score of XXXX XXXX. My credit report shows remarks such as " Loans deferred '' and " All payments made on time, '' yet despite this positive indicator, my score has significantly decreased. Additionally, my XXXX account continues to show that I owe loan payments, which I believe is due to their failure to process my deferment. Further, I have noticed that XXXX has made 18 changes to my credit report during this period. This is an excessive and unnecessary amount of changes for a simple deferment request, and it has directly contributed to the substantial and unjustified drop in my credit score. This situation is causing me undue financial stress and impacting my creditworthiness through no fault of my own. I am requesting the CFPB 's assistance in ensuring that XXXX corrects the errors on my credit report, properly processes my deferment request, and rectifies any inaccuracies in their records that are currently harming my credit score. Thank you for your assistance in resolving this matter. Sincerely, XXXX.
Consumer complaint received 2024-09-15
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)

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Perform a Re-Inquiry of My Credit Report at XXXX XXXX XXXX 

Dear Sir/Madam : I am writing to file a formal complaint regarding a critical issue with the process for re-inquiring my credit report as required by the rules outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my XXXX XXXX XXXX account, despite my taking steps to correct this incorrect information.

I recently disputed the presence of a late payment on my XXXX XXXX XXXX account, which has been negatively affecting my credit history. Under the Fair Credit Reporting Act, I have a right to an accurate and fair credit report. Following my dispute, the credit agency was required to conduct a new investigation into the matter and ensure that any inaccuracies are corrected immediately. 

I request the Consumer Financial Protection Bureau to urgently investigate this matter and ensure that the credit agency complies with the standards stipulated by law. I request prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit agency and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your prompt assistance in this regard. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-09-15
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 RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT ON MY REPORT, PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, ITS HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2024-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (IN)

This debt was paid in full on XX/XX/year>. I am not sure that this is even a legitimate debt, regardless it's been paid. The company is still sending me notices to pay and calling and emailing me. I do have a bank statement to show it's paid.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I deposited a check to my chase bank account given to me by a customer for providing services of doing work on her house. I deposited this check on XX/XX/2023. The check was on hold until XX/XX/2023. Once the hold was released off my check I tried to withdraw money and transfer money with no success. I called chase and informed them of my problem. They responded to my problem saying that there was a restriction placed on my account due to the check but the money was available I just cant use it cause they werent able to get in contact with the makers. I was not informed of this restriction prior to this problem. Now my account is suspended and due for closure because chase couldnt verify a check that a hold has already been lifted off of. I dont see how that is my problem. I have a deposit that had to be paid on my new house and I cant even get my money out of my account! I dont have time to wait for them to close the account and send me a check via mail! This is extremely inconvenient for me as I told my landlord that I would have the rest of my deposit when my check cleared on XX/XX/2023. I have XXXX kids and we have been in the process of moving for about 2 months. I have been waiting to get this over with but Im having no luck with getting the restriction off of my account. I just want my money in a timely manner. I am disappointed at the lack of communication and the lack of urgency chase has displayed during this unfortunate situation. If someone could get back to me ASAP I would greatly appreciate it. I just want to go get my money or have it transferred out of my account so I can pay my deposit for my house!
Consumer complaint received 2024-09-15
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. (PR)

Account Name : XXXX XXXX XXXX Account Number XXXX Charge : {$3100.00} I am writing to dispute an unauthorized account on my credit report due to identity theft. My personal information was used without my authorization to open an account with XXXX XXXX XXXX. I have already disputed this account four times, informing Experian that this account does not belong to me. Despite my requests, I have only received a payment history from XXXX XXXX XXXX, which does not prove that this account belongs to me. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive documents related to this account. Therefore, I am requesting that you send me copies of all records related to the account, including but not limited to : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please consider this letter as a formal dispute of the unauthorized account. I request that you thoroughly investigate this matter and remove the fraudulent account from my credit report. Additionally, I would appreciate receiving a detailed explanation of the investigation methods used to verify the legitimacy of this account.
Consumer complaint received 2024-09-15
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)

I am writing to formally file a complaint regarding inaccuracies on my credit report, which I have been unable to resolve despite my efforts. Specifically, I have noticed several hard inquiries on my credit report that I do not recognize, nor do I have any open accounts with the companies responsible for these inquiries. These inquiries are adversely affecting my credit score, and I have no knowledge of where they originated.

Furthermore, I have identified a few closed accounts on my credit report that I do not recognize. I did not open these accounts, nor have I had any prior dealings with the creditors reporting them.

I have attempted to address these issues with the credit bureaus, but they have failed to comply with the Metro 2 standards for reporting accuracy. As a result, my credit report contains erroneous information, and my rights under the Fair Credit Reporting Act ( FCRA ) have been violated.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Pursuant to the FCRA, it is EXPERIAN 's duty to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXXXXXX XXXX XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/scrub>XXXX XXXX This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2024-10-07
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. (CO)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.
Consumer complaint received 2024-09-15
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. (TX)

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 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.
Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am 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.

Resolution : Delete this these accounts unless you want to be held accountable for {$1000.00} per account
Consumer complaint received 2024-09-15
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)

First, XXXX XXXX unfairly and intentionally closed my credit cards to damage my credit. XXXX XXXX stopped responding to my CFPB reports marking them as duplicates. XXXX XXXX did not stop there. These sick people from XXXX XXXX headquarters keep reporting FALSE balances on my closed credit cards to damage my credit further. The last statement balance was XXXX, due date XX/XX/XXXX. I made the full payment well ahead of time and the payment was posted on XX/XX/XXXX. The credit bureaus are taking the bank 's side and is refraining from fixing the false balances, even when I have tangible proof. I don't owe any balance on any XXXX XXXX credit cards.
Consumer complaint received 2024-09-15
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. (IL)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of a personal credit card account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-15
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)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-15
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. (UT)

Violations of the Fair Credit Reporting Act ( FCRA ) in the credit report. 

Description of the Problem : I am filing a formal complaint due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). My credit report contains inaccurate and unverified information, which I have disputed with the credit agencies without receiving an adequate response. Below are the key violations under the FCRA that apply to my case : 15 U.S.C. 1681b ( c ) : This provision regulates access to credit reports and stipulates that reports should only be shared with individuals or entities with a permissible purpose. In my report, inquiries have been made without my authorization.

15 U.S.C. 1681s-2 ( b ) : This establishes that information providers must correct and update any inaccurate information after receiving a dispute. In my case, the disputes have not been properly resolved, nor has the required verification been provided.

15 U.S.C. 1681e ( b ) : This law requires credit agencies to maintain maximum possible accuracy in credit reports. The negative information in my report remains unverified and is unfairly affecting my credit history. 

Requested Solution : I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take the necessary actions to ensure that the inaccurate information on my credit report is corrected or removed. I demand that my consumer rights under the FCRA are respected, and that the mentioned violations are rectified as soon as possible. 

If you need to make any other adjustments or add details, let me know! Im here to help.