davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute inaccurate information on my credit report, I pulled my credit report from, Experian, and they have given me nothing but a hard time and are continuously reporting inaccurate information on my credit report and have refused to remove the inaccuracies. As provided for under the Fair Credit Reporting Act ( FCRA ), specifically Sections 15 USC 1681 ( 4 ) and 15 USC 1681b ( 2 ). These sections of the FCRA outline consumers ' rights to accurate credit reporting and the obligations of credit reporting agencies to ensure the accuracy of the information they report.

According to Section 15 USC 1681 ( 4 ) of the FCRA, it is the responsibility of credit reporting agencies to maintain accurate and up-to-date consumer credit information. Additionally, Section 15 USC 1681b ( 2 ) stipulates that credit reporting agencies may furnish credit reports only for permissible purposes, such as for use in connection with a credit transaction initiated by the consumer.

I have recently obtained a copy of my credit report from your agency and have identified several inaccuracies in the reported addresses. These inaccuracies are not only damaging to my creditworthiness but also violate my rights as a consumer under the FCRA.

Specifically, the following addresses are inaccurately reported on my credit report : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I do not live at the address listed above. Therefore, their inclusion on my credit report is erroneous and misleading. 

I request that you conduct a thorough investigation into these inaccuracies as required by law. I expect that you will promptly remove the inaccurate addresses from my credit report and provide me with a corrected copy, free of charge, in accordance with Section 15 USC 1681i ( a ) ( 1 ) ( A ) of the FCRA.

Failure to take appropriate action to correct these inaccuracies will compel me to pursue further remedies available under the FCRA, including but not limited to legal action.

Please acknowledge receipt of this dispute letter and inform me of the steps you are taking to address my concerns. I can be reached at the contact information provided above. 

My proof of address and identity is attached below.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and 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 and 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. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX
Consumer complaint received 2024-06-07
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. (PA)

Experian is in violation of UCC with fraudulent charges made on these accounts XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

I previously disputed a XXXX  XXXX bankruptcy discharge item on my credit file with Equifax. In response, they verified the item as accurate, claiming that they had confirmed the information with the court. However, upon contacting the court directly, I received the enclosed response stating that they do not report to Equifax or any credit bureau. This reveals that Equifax 's initial response verifying the item with the court was either an error or a misrepresentation. 

Equifax 's reporting practices fail to comply with FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates credit reporting agencies to conduct a reasonable reinvestigation of disputed items. If the information can not be verified, it must be promptly deleted from the consumer 's file. 

The court has confirmed that they do not report this bankruptcy information to Equifax. Therefore, the bankruptcy item on my credit report is unverifiable and must be removed immediately in accordance with the FCRA. Equifax 's failure to remove this inaccurate information constitutes a violation of my rights as a consumer. 

I am requesting that the CFPB investigate Equifax 's non-compliance with the FCRA and take appropriate action to enforce the law. Equifax must be compelled to delete the inaccurate XXXX  XXXX bankruptcy discharge from my credit file without further delay to ensure compliance with the FCRA and to prevent any further harm to my creditworthiness. 

Thank you for your attention to this matter. I trust that the CFPB will promptly investigate my complaint and take necessary measures to protect my consumer rights under the FCRA.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX  Account Number XXXX
Consumer complaint received 2024-06-07
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. (CT)

XXXX XXXX Account Number- XXXX XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am mentally unstable, and i can not get the medical help that I need because I'm being declined due to my low credit scores. All because the company did not check whether or not they are reporting accurate information in my credit file.
Consumer complaint received 2024-06-08
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)

XXXX XXXX ACCOUNT NUMBER- XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (IA)

Wells Fargo had a major outage in XXXX of XXXX. Since that time, I have been unable to login to Wells Fargo online. 

This was a big problem for me, because I received my statements exclusively through Wells Fargo online. After multiple contacts via phone, mail, and at the branch, I was unable to get my access restored. So, I switched to another bank in XXXX of XXXX. 

In XXXX of XXXX, I was alerted to fraudulent charges on my card via the credit bureaus. Wells Fargo never tried to contact me about these charges. They just reported me to the credit bureaus. I am 100 % certain that I did not make these charges. I had not used the card for over a year. And the charges were for things like XXXX, which we don't even have in our area. 

I immediately alerted Wells Fargo to the fraudulent charges. And they said the charges would be removed. I have this in writing from them. 

Wells Fargo did not follow through with what they said. And they dinged my credit report again. 

At this point, I hadn't even received a bill for these charges. I hadn't received statements from Wells Fargo since XXXX of XXXX. 

Wells Fargo doesn't appear to care about fraudulent charges in their system. They were notified well within the required time frames. But even today, they have not taken action on the fraudulent charges.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Fair credit reporting act 1681 I, Already disputed these closed accounts in writing with TransUnion XXXX an XXXX for inaccurate information an closed accounts please update my TransUnion XXXX account an XXXX an Delete these accounts please remove all closed accounts from my credit report
Consumer complaint received 2024-06-07
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)

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 ( 5 ), 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. 


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/year>
Consumer complaint received 2024-06-07
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)

The three major credit reporting bureaus XXXX, Experian, and XXXX are not removing non verifiable adverse accounts off my account. XXXX XXXX XXXX, has never provided me with ALL the accurate verifiable information, so I am sure they could have not provided it to the credit bureaus. These credit reporting bureaus know they are getting paid by these companies to falsely place and keep negative items on consumers credit report.
Consumer complaint received 2024-06-07
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)

" 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 accounts 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 did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-25
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. (IL)

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

It's showing inconsistent delinquent account on my XXXX and experian credit report. i went on my account on XX/XX/year> and noticed 4 delinquent account reported by XXXX XXXX XXXXXXXX for one in the amount of {$12.00} and the other in the amount of {$13.00} with these accounts XXXX i had already paid these accounts and was Never Late so the delinquencies are inaccurate and not complete and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-06-07
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)

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 ( 5 ), 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-07
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. (MA)

I am writing to express my dissatisfaction with the bureaus ' delayed response to my request. I have been a victim of identity theft and have been trying to have all fraudulent information, inquiries, and accounts removed from my credit reports. However, the bureaus have not taken any action despite my repeated attempts to contact them. Each time I call, I receive conflicting information and encounter further delays, and as of today, my issue remains unresolved. 

I am requesting assistance with correcting my address, removing fraudulent accounts and inquiries. 

Address Update : This is my only address : XXXX XXXX XXXX, XXXX, MA XXXX. Please remove all other addresses associated with my name. 

Fraudulent Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, XXXX I have attached my FTC report, ID, and proof of address for your reference XXXX Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2023-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AMERISAVE MORTGAGE CORPORATION (CA)

The loss mitigation department told me back in XXXX that my late payment wouldnt be reported late to the credit bureaus because I had file a loss mitigation form. Before it was 30 days late I called the lost mitigation department to ask why i havent received any updates on what they were going to be able to help me with and the lady told that it takes couple weeks or months sometimes to get an update. So I told the lady should i make a payment before the 30 days because i sure dont want it to be 30 days late, thats when she told me that because i file a loss mitigation form that they wouldnt report a late payment to the credit bureaus.On the beginning of XXXX they offer me a repayment plan but that would only make it worse for me so I refuse the repayment plan. Thats when the next day they reported me being 30 days late. I have written a letter to their credit report department and they declined to remove the late payment. If they would have told me that i needed to make the payment before the 30 days if not it was going to be reported to the credit bureaus being 30 days late I would have made the payment i had the money the lady told me not to make it so I listen to what she told me. All Im asking is for them to please remove the late payment reported to the credit bureaus. My credit score has dropped like XXXX points and its affecting me. Credit cards are changing my credit limit because of this. It wasnt my fault I was told the wrong information why do I have to pay for employers mistake.