davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted.
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (FL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-09-30
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. (FL)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


XXXX : XXXX XXXX, account number XXXX EQUIFAX : XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2022-10-26
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the pIdentity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$2100.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance : {$290.00}
Consumer complaint received 2024-07-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MA)

I Opened a security deposit with my tenant 's funds on XXXX with XXXX XXXX XXXX 
On XX/XX/year> my tenant moved out, I inspected unit and went to above to close account and return my tenant 's money. All XXXX XXXX branch offices were closed and all accounts were transferred to Chase Bank. On XX/XX/year> I went to Chase Bank and they had my other accounts but not my tenant 's security deposit account. I was there for 2 hours as they attempted to find it. It was late in day Friday so XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX contacted XXXX XXXX, and officials at Chase and said to come back Monday. I returned XX/XX/XXXX and XXXX XXXX again contacted XXXX XXXX XXXX I was at the bank, XXXX XXXX XXXX Representative called me and said the account funds would transfer by end of month. On XXXX XXXX I returned to Chase and again XXXX was unable to get my funds released attempting for over an hour. I returned after holiday on XX/XX/XXXX and had the same experience. I have filed complaints with Attorney General and filed a complaint with XXXX XXXXXXXX XXXX  office. I have 30 days to return my tenant 's deposit and the 30 days is up on XX/XX/XXXX. Please advise-do I have to give tenant my money? Please Help!
Consumer complaint received 2024-06-03
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. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (VA)

COMENITY - COMENITY CARD, XXXX TX On XX/XX/XXXX I received a statement for charges to a credit card I havent used in years and have destroyed. The charges were not made by me and are suspicious in nature ; XXXX charges of XXXX all made on XX/XX/XXXX by XXXXXXXX XXXX XXXX XXXX Total due {$8.00}. 
I repeatedly try to call the number on the statement for help, went through prompts, only to be continually disconnected. On XX/XX/XXXX I wrote a comprehensive letter, included all documentation, and mailed to their designated Customer Care Team at address indicated on statement. On XX/XX/XXXX I received a letter stating they received my claim and are researching it. On XX/XX/XXXX I received another statement with late charges and interest. Repeatedly called number indicated and was repeatedly disconnected. 
On XX/XX/XXXX I wrote another letter and included all documentation. On XX/XX/XXXX I received another computer generated letter saying they received claim and are researching. On XX/XX/XXXX I received another statement now with a total due of {$160.00}! 
I made three more calls today to try and resolve and continue to be disconnected.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX XXXX, account number XXXX EQUIFAX : XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NJ)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-03
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)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-03
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. (IL)

On XX/XX/year>, I mailed a dispute letter to Experian requesting an investigation into several inaccurate items on my credit report. The specific items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I disputed a public record entry : Court Name : U.S. Bankruptcy Court Reference Number : XXXX To support my dispute and verify my identity, I included copies of my photo ID, Social Security card , and a recent bill with my current address. Despite providing this information, I did not receive a response back from Experian with the investigation results. According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the completeness or accuracy of any item in their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Experian has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the FCRA. 
I request the Consumer Financial Protection Bureau ( CFPB ) to intervene to ensure that my consumer rights are not violated, require Experian to conduct a comprehensive investigation of the disputed items on my credit report, ensure Experian provides the detailed verification information as requested, and mandate that Experian correct any inaccuracies found in my credit report.
Consumer complaint received 2024-06-03
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: Experian Information Solutions Inc. (MD)

I disputed information on my credit report over XXXX  months ( XXXX days ) ago and I have not received a response. The credit reporting agencies continue to report and house inaccurate information on my report and in turn has hurt my ability to obtain fair lines of credit. I am extremely stressed due to their negligence.
Consumer complaint received 2024-06-11
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. (TX)

Despite my numerous efforts, the issue of fraudulent, inaccurate, and misleading information on my credit report remains unresolved. The presence of these items has severely impacted my life, causing me significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to this information being associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Subject : Complaint Regarding Unauthorized Inquiries on Consumer Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unauthorized inquiries placed on my consumer report by credit bureaus, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to rectify this issue through other channels, I have yet to receive a satisfactory resolution, prompting me to seek your assistance in addressing this matter. 
On XX/XX/year>, I lodged a complaint with the XXXX XXXX XXXX ( XXXX ) regarding the unauthorized inquiries on my consumer report. However, to date, I have not received any correspondence or resolution from the credit bureaus in response to my complaint. 
According to the FCRA, credit bureaus are required to have a permissible purpose for accessing consumer reports. Permissible purposes include, but are not limited to, a firm offer of credit, insurance, employment application, or court order. I have thoroughly reviewed my financial records and have found no evidence of any such permissible purpose for the inquiries made on my consumer report. 
Therefore, I am requesting that the Consumer Financial Protection Bureau intervene in this matter and investigate the unauthorized inquiries placed on my consumer report by the credit bureaus. I kindly ask that you review the documentation provided by the credit bureaus to verify whether a permissible purpose was indeed established for these inquiries. If such documentation exists, I urge you to provide it to me for my review. 
Furthermore, I request that appropriate action be taken to ensure that the credit bureaus comply with the FCRA and cease any unauthorized inquiries on my consumer report. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take the necessary steps to resolve it promptly.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-07-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FC HoldCo LLC (FL)

I am writing to report a potential case of identity theft. According to the recent findings of my credit report, it seems that my identity has been used to obtain credit without my consent. I am prepared to cooperate with any investigation and legal proceedings to address this matter and hold those responsible accountable for their actions
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Dear CFPB My case is simple and short. I asked a cashier check from my XXXX XXXX XXXX XXXX account and the other side of the street deposited to my Citibank checking account. After I deposited they transferred my money the very same moment fom my other bank. After this transaction made 3 days later tried to send $ {$300.00} with XXXX from my Citi but did not worked. Called the bank and after XXXX XXXX  chat they told me absolutely no any issue with my XXXX and they have no a knowledge why I can not send this small money to my wifes account. After this conversation my Citi online access was blocked and closed my account. Next day tried to ask my XXXX back to take it back my other bank. They refused give me my cash back. Refused to give my and the XXXX XXXX XXXX XXXX help. Absolutely no answer. Probably some employee made a mistake what I have to pay. 
Not giving any answer on phone or in the branch office, no information why they holding my money since XX/XX/2023. Please help if it possible, I raelly had to use that mone for business purposes. Thank you! 
Best regards : XXXX XXXX
Consumer complaint received 2024-06-10
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (IL)

I've been trying to send XXXX  to my XXXX account for a long time now. Every time I try I get an error message about my identity not being successfully verified. I've tried sending on multiple computers and networks. So, I know the problem is on PayPal 's end. 

Every time I speak to support they tell me to try again in three days. When I try in three days they give me the same response. There is XXXX reason to buy XXXX on PayPal if you can now transfer it to your XXXX account. Personally, I believe they're not letting users send because their stablecoin will lose the {$1.00} XXXX and it would result in a bank run from XXXX  trying to redeem.