davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I demand the immediate removal of fraudulent accounts from my credit report. The associated banks confirmed identity theft and assured removal. Compliance with the law mandates their removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit collection account XXXX XXXX XXXX XXXX XXXX  was deleted from my credit report, between XXXX XXXX  and XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX bank and XXXX XXXX  was added back to my credit report XXXXXXXX XXXX  According to the FCRA Reinsertion law 1681 I & subsection 5 if any information is deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Best Regards, XXXX 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. (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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: 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. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
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. (AL)

I did not authorize these accounts please remove these accounts from my report. Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from EQUIFAX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (CT)

The credit reporting agency has been reporting inaccuracy on my credit report, XXXX XXXX is not a registered business in the state of new york. They do not have any authority to call anyone in XXXX to collect anything there is no bond on record. There is no contract with my signature. There credit bureau has not verified any of this before applying the information to creditors. My suffereing is at the hands of the bureau. they are paid to keep consumers down.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (FL)

I have not received any goods or services from you all nor do I intend to. I have no intentions of any contractual obligations with you all in the further as well. Please consider this as " notice ''. Any reporting to my consumer report to any of the consumer reporting agencies will be direct violation of Section 623 ( A ) ( 1 ) ( A ) ( B ). Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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, ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency. VANCEHUFFMAN with account # XXXX and a balance of XXXX. I am kindly asking for you all to cease and desist or I will take legal action for you violating the law. The correspondence received did not fulfill any of my prior requests. All that was received was an unsigned contract from another company. Furthermore my wet ink signature is nowhere an any document you sent me
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NE)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX : XXXX XXXX Account Number : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - ChargeOff XXXX XXXX Date XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date Of Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX XXXX  Date Of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date Of Inquiry XXXX XX/XX/XXXX XXXX XXXXXXXX Date Of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date Of Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX  Date Of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX  Date Of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date Of Inquiry : XX/XX/XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX Equifax : XXXX. XXXX XXXX  Account Number : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - ChargeOff XXXX. XXXX Account Number : XXXX Balance Owed : {$1500.00} Date XXXX - Late/Open XXXX : XXXX. XXXX XXXX  Account Number : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - ChargeOff XXXX. XXXX Account Number : XXXX Balance Owed : {$1500.00} Date XXXX - Late/Open
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-07-12
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. (PA)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NE)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
Chapter XXXX XXXX XXXX Chapter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. 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 2024-07-11
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Coinbase was wired {$6000.00} from my bank XXXX XXXX XXXX XXXX in XX/XX/year>. By early XX/XX/year> it had been discovered that the entirety of those funds were fradulently accessed, along with my Coinbase account and sent to a fake financial institution. I made Coinbase aware of the fradulent transaction and under regulation XXXX it is there responsibility to issue a provisional credit for that amount back to me account or to refund the fradulent transaction in it's entirety. 

Coinbase has refused to accept any responsibility and refuses to issue any type of provisional credit or refund to my account. I am requesting Coinbase return the entire {$6000.00} to my bank XXXX XXXX XXXX XXXX. My bank also notified Coinbase of the Fradulent activity and requested the wire be sent back to them and Coinbase also did not comply with my banks requests. 

Please see attached wire transfer refund request from my bank bringing the fradulent activity to coinbase 's attention.
Consumer complaint received 2024-08-12
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. (NY)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 Secured Loan Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX A Credit card Account name XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX A Secured card Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX A Secured loan Account name XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX A Account name XXXX XXXX Account number XXXX Date XXXX XX/XX/XXXX A Account name XXXX BANK Account number XXXX Date opened XX/XX/XXXX A Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX A Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX OFFICE XXXX XXXX APT XXXX XXXX TX XXXX A Inquiries XXXX BANK Inquired XXXX XX/XX/XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections, late payments and accounts 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 fraudulentitems. 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 # XXXX and XXXX 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 2024-07-11
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. (TN)

15 U.S. Code 6821 - Privacy protection for customer information of financial institutions U.S. Code prev | next ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person ( 1 ) by making a false, fictitious, or fraudulent statement or representation to an officer, employee, or agent of a financial institution ; ( 2 ) by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution; or ( 3 ) by providing any document to an officer, employee, or agent of a financial institution, knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. 
( b ) Prohibition on solicitation of a person to obtain customer information from financial institution under false pretenses It shall be a violation of this subchapter to request a person to obtain customer information of a financial institution, knowing that the person will obtain, or attempt to obtain, the information from the institution in any manner described in subsection ( a ). 


This law protects me as the holder of the consumer which is the person ( debt instrument ) and employees at XXXX XXXX XXXX had no authorization or consent from me to report any transactions to consumer reporting agencies and who have not provided the Gaap principles to prove a debt exist. Also theres no such thing as late payments on a loan which was never provided by the financial institutions. Bank dont loan money and the employee at XXXX XXXX XXXX proved this. I do not consent to have information reported on the deceased person where they are coercing against my will to be surety for debt. Theres no law which proves that late payments exist. How can a dead person be late on making payments?
Consumer complaint received 2024-07-11
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. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : DPT EDXXXX Account Number : XXXX