davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

Hello CFPB specialists, This complaint/dispute is regarding how Experian has treated a recent set of financial moves that I made to take advantage of two balance transfer offers, one with XXXX and the other with XXXX I consolidated and moved debt from 3 cards to the two above mentioned cards, and reduced to {$0.00} three other cards. The reductions in debt were recognized in my credit report, but it seems that only the increase in the credit utilization on the two cards was factored into a very large drop in my credit score ( XXXX points ). Additionally, in a recent Experian report, there was a mere XXXX point increase given. As my overall credit utilization ( i.e. total debt ) did not increase, this is really unfair to the consumer who is trying to reduce very high interest credit cards ( now 28 % + ). The credit bureaus have the capability to scan across all the accounts ( including non-credit card debt ) and should easily be able to take this into account. I am now addressing the high utilization of the credit on the XXXX cards which received the balance transfers, however, the issue of lack of fairness to the consumer remains ... the drops and increases in credit scores should be commensurate. 
Thank you,
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/2024 Subject : Request for Removal of Closed Accounts from Credit Report Social Security Number : XXXX Date of XXXX Dear Sir/Madam, I am writing to formally request the removal of closed accounts from my credit report. The Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate or outdated information on my credit report. Upon reviewing my credit report, I have identified several closed accounts that I believe are being reported incorrectly or are no longer relevant. 


Inaccurate Reporting : The information related to this closed account is inaccurate and does not reflect my current credit status. The FCRA requires that only accurate and relevant information be reported. 

Outdated Information : This account has been closed for a significant period, and the continued reporting of this account negatively impacts my credit score. According to the FCRA, outdated or irrelevant accounts should be removed from my credit report. 

Action Requested : I kindly request that the closed accounts listed above be removed from my credit report across all major credit bureausXXXX XXXXXXXX, and Equifax. If this information can not be verified or corrected within 30 days, I request that it be permanently deleted from my credit file in accordance with the FCRA. 

Please provide me with a written confirmation once the investigation is complete and the requested changes have been made. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX Last 4 Digits of SSN : XXXX
Consumer complaint received 2024-09-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist Bank closed my business and personal accts. on XX/XX/year> without my knowledge. I received an email stating I had been unenrolled from wire transfers. When I called on XX/XX/year> to find out why, I was informed the accts. were closed due to fraudulent activity. When I asked what was done fraudulently I was given an XXXX XXXX  & case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called and spoke to XXXX who told me they had been closed because I had XXXX wire transfers to come into the business acct. and I transferred the both money wires to another bank closer to where my business is located so I could go into the bank, where I also have a business acct., to manage the money. I explained that I have a nonprofit business license with the state of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and a XXXX for XXXX XXXX  and I do some trading to finance the nonprofit business I just started on XX/XX/year>. I told her I could verify all wire transfers that have gone into my acct., where they came from and where the money went. She sent an appeal on my behalf to the XXXX dept. and I received a call back from that dept. within an hour stating the accts. will remain closed. 

There was no proof of fraudulent activity and everything Ive done with my personal and business account has been legal according to XXXX and XXXX laws. So to close these accounts and claim fraudulent activity with no proof is defamation and discriminatory. A bank has the right to investigate funds that enter into my accounts but no right to tell me how to operate my legal business. 

The same thing was done to another small business owner by Truist Bank, whom I know personally and I can provide proof.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

Delete the accounts below : Creditor Name : XXXX, Date of inquiry : XX/XX/XXXX, Equifax Creditor XXXX : XXXX, Date of inquiry : XX/XX/XXXX, Equifax Creditor Name : XXXXXXXX XXXX XXXXXXXX XXXX , Date of inquiry : XX/XX/XXXX, Equifax Creditor Name : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, Equifax Creditor Name XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, Equifax
Consumer complaint received 2024-09-04
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. (CA)

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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-11
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. (IN)

I filed a complaint over 30 days ago about the false reporting of my bankruptcy to my credit report bankruptcy case XXXX XXXX XXXX XXXX XXXX XXXX XXXX.it was never reported to them and they have failed to provide proof to the cfpb and are violation of my rights.
Consumer complaint received 2024-09-11
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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To Whom It May Concern, I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. I would like you to investigate for me to make certain that everything is accurate. 

XXXX XXXXXXXX - XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXX - XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXX XXXX XXXX XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXX XXXX  XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files!
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

After reviewing my credit report again, I discovered additional fraudulent accounts that I did not authorize. I have already reported the initial fraud to the Federal Trade Commission, but these new fraudulent items are still on my report and pose a risk of further unauthorized activity.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681cXXXX2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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.

The letters are stated with items and issues.

15 U.S.C 1681 s

ection 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 2024-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

RE : NOTICE OF VIOLATION UNDER 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FOR UNAUTHORIZED REPORTING To Whom It May Concern, Upon reviewing my recent credit report, I have discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) by your agency. Specifically, these violations pertain to the unauthorized furnishing of reports in connection with credit or insurance transactions that were not initiated by me, as outlined under 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). This section of the FCRA mandates that a consumer reporting agency may only furnish a report in connection with credit or insurance transactions that were not initiated by the consumer if the consumer has authorized the agency to do so or if the transaction involves a firm offer of credit or insurance. Moreover, the FCRA stipulates that inquiries regarding credit or insurance transactions that are not initiated by the consumer must not be disclosed to any party, except under specific conditions outlined in Section 1681g ( a ) ( 5 ). I am demanding the immediate removal of the disputed items from my credit report as required under 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). The items in question are listed below : XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

My credit card account was placed under an online freeze due to fraudulent activities on my account. The first week of XXXX I contacted Capital One to request the balance due on the account and an address to send payment in full. I was told that I needed to provide them with a copy of my drivers license, social security card and verification of my address. I sent this information in to Capital One on a secured email link. They said the drivers license had a shine on the copy so I resent the license. They then told me there was an issue with one of the items but they would not tell me which one. They also would not tell me my account balance or an address to send a payment to because the account was restricted. I received a letter dated XX/XX/XXXX stating they had placed a hold on my account and that it was important that we speak as soon as possible to clear up concerns around possible fraud. I called and was told I needed to resubmit my drivers license, SS card and my utilities form. The first week of XXXX I called again and they would not talk with me. They said the account was restricted and a letter from Capital One was being sent to me. I did not receive a letter so I called on XX/XX/XXXX and asked to speak to management. Now they told me the balance on the account and an address to send in a payment. They will not tell me how much in late fees and interest has been charged since XXXX nor will they send me a statement because the account is restricted and they dont know why I was not given the balance and address in XXXX. The company did not give me information needed to make a payment in XXXX or XXXX, therefore I should not be responsible for late fees and interest accrued. They continue to not provide me with a detailed statement with a breakdown in fees owed.
Consumer complaint received 2024-09-03
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXX date opened XX/XX/XXXX {$180.00} XXXX XXXX XXXX date opened XX/XX/XXXX {$140.00} XXXX XXXX date opened XX/XX/XXXX {$310.00} The XXXX XXXX XXXX date opened XX/XX/XXXX {$670.00} inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2024 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.