davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the reporting agency, block and remove 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. The fraudulent, inaccurate, and false accounts consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # 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 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

Caller ifs himself as a Chase employee. He said someone had applied for a card inNC. Had the last 4 of my social and tried to get more info. I have not applied for a chase card, and have not been in NC. He was fishing XX/XX/year>. XXXX caller id XXXX ( XXXX ) XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-10-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (AL)

Subject : Urgent Dispute of Ownership and Request for Investigation Regarding Lexus XXXX Financing Dear CFPB Consumer Response Team, I am submitting an urgent request for your intervention regarding a dispute over the ownership and financial handling of a XXXX Lexus XXXX, financed through Lexus Financial Services ( Toyota Motor Corporation ) and purchased at XXXX Lexus in XXXX, Alabama. This vehicle was originally acquired as a lease on XX/XX/XXXX, and was later converted to an outright purchase as of XX/XX/XXXX. All payments have been completed in good faith, yet I have been unable to obtain the title, and Lexus Financial Services continues to assert a security interest. 

Summary of Issues and Request for Investigation Ownership and Title Release : Despite completing payments and satisfying all financial obligations, Lexus Financial Services has not provided the title to XXXX XXXX XXXX, the business entity that financed the vehicle. I have formally rescinded my signature specifically on the security interest, yet the company has not released the title, which should rightfully be in my possession. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA, specifically 15 U.S.C. 1692g, Lexus Financial Services is required to validate any debt before initiating collection or asserting a security interest. I have requested validation, but they have provided only vague responses, failing to confirm key details about the debt and its origination. Given that the vehicle is paid in full, their continued claim on the title without validation is unwarranted and may violate FDCPA and UCC Article 9 provisions.

Request for CFPB Intervention : Given Lexus Financial Services ' refusal to respond appropriately and release the title, I am requesting that the CFPB urgently investigate this matter. Specifically, I ask for : Enforcement of the release of any security interest Lexus Financial Services retains on the vehicles title. 
Expedited assistance in obtaining the title to the Lexus XXXX for XXXX XXXX XXXX. 
Additional Documentation Enclosed with this letter, I am including the following : Rescission of Signature and Revoke of Securities interest in title in contract Copies of prior communications with Lexus Financial Services, including my formal rescission of the security interest signature. 
Payment records demonstrating that the account is satisfied and fully paid. 
The UCC filing asserting XXXX XXXX XXXX  ownership of the vehicle. 
Thank you for your immediate attention to this matter. I trust the CFPB will take action to ensure Lexus Financial Services complies with all federal regulations and restores my rights to the vehicle title. 

Sincerely, XXXX XXXX XXXX Manager, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Subject : Complaint Regarding Non-Response to Credit Disputes Dear CFPB, I am writing to file a formal complaint against the credit bureaus for their failure to respond to my credit disputes in accordance with the Fair Credit Reporting Act ( FCRA ). I have submitted multiple disputes regarding inaccurate information on my credit report, but I have not received any response or resolution within the required timeframe. The details of my disputes are as follows : XXXX XXXX XXXX : XXXXVerify the accuracy of this dispute or delete this immediately. 
XXXX XXXX XXXXThis account was never late. This account is paid as Agreed. Remove late payment immediately. 
XXXX XXXX XXXXVerify the accuracy of this dispute or delete this immediately. 
XXXXVerify the accuracy of this dispute or delete this immediately. 
XXXX  XXXX Verify the accuracy of this dispute or delete this immediately. 

Despite my efforts to resolve these issues directly with the credit bureaus, I have not received any acknowledgment or corrective action. This lack of response is causing significant harm to my creditworthiness and financial well-being. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that the credit bureaus comply with their legal obligations under the FCRA. Please provide me with updates on the status of my complaint and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-10-03
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. (MI)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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. 

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 

Please update to Paid As Agreed XXXX XXXX from my credit report because of multiple violations of the Fair Credit Reporting Act!
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

Experian is showing that i filed for bankruptcy and i contacted the court and their files doesn't show that i filed and this information should be deleted for violation of my FCRA rights 15 usc 1681c-2 i demand this information be deleted and blocked from my credit profile immediately. I also sent validating information to Experian proving my case with documentation and they responded back saying it was verified. also Experian and other 3rd party credit agencies are not handling consumer credit reports and disputes according to the standard of the FCRA law.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I transfer {$30000.00} into my new account that I open a few days with the same bank that call their self chase chase flag my business account and hold on to my {$30000.00} for six days now failure to return my money into my savings account back XXXX  and XXXX attitude workers telling me I have to wait XXXX days for my own money I need to see my money into my account before the XXXX failure to return my money into my account. I will file a discrimination lawsuit against Chase Bank.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: OPTUM BANK, INC. (DE)

In XX/XX/XXXX I terminated my employment with XXXX XXXX. However, I chose to allow my XXXX account to remain as I had no issues with the account or its servicing. By letter dated XX/XX/XXXX from Optum Bank, it was made known that XXXX was selling its XXXX business. On XX/XX/XXXX, my funds were transferred to Optum. 

Trying to explore options, I submitted several questions to Optum, one of which pertained to its fees. Prior to submitting the questions by email, I had attempted to locate the information on its site.

The short of the matter is that I was charged an account closing fee in the amount of {$20.00}. Optum had my funds from XX/XX/XXXX to XX/XX/XXXX not thru my choice, did not provide a list of its feesnor did I ever locate oneand notified me about the termination fee when I received the in the check.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WY)

I was informed that my personal information was compromised in data breach and I am requesting the following accounts to be blocked /removed from my transunion experian/equifax credit reports within 4 business days under 15usc1681 c-2 account ( # 1 ) XXXX XXXX acount # XXXX balance {$26000.00} account ( # 2. ) XXXX  account # XXXX balance {$63.00} account ( # 3. ) XXXX  balance {$170.00} account # XXXX ( # 4. ) XXXX XXXX XXXX XXXX balance {$500.00} account # XXXX ( # 5. ) XXXX  acount # XXXX balance {$1400.00} i am victim Of idenity theft and a data breach and am demanding these accounts to be blocked removed within businesses days from my XXXX experian and XXXX consumer reports under 15usc1681c-2 I am attaching a ftc report XXXX XXXX as proof.
Consumer complaint received 2024-10-03
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: EQUIFAX, INC. (NC)

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 

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

On my credit report there is an account called XXXX and this account is a collections account. According to conserve they are seeking to collect money that I owe the XXXX XXXX XXXX XXXX. I have disputed this as I never attended the XXXX XXXX XXXX XXXX or took a course or did assignments there. I asked the XXXX  to provide me with proof that I did any assignments there and they were unable to provide me with documentation showing that I did an course/s there. I then filed an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer.

2 ) A copy of an identity theft report ( such as an affidavit ).

3 ) The identification of such information by the consumer.

4 ) A statement by the consumer that the information is not related to any transaction of the consumer. 


The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). 
Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. 
I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete Conserve from my credit report immediately. A failure to do so will result in taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX from my credit report immediately.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

this is about the late payment still on my report that XXXX XXXX  said they were gon na remove via arbitration settlement and has not been resolved as per our contract! since XXXX and my account it still shows that I have a late payment in XX/XX/year>. They assured me they would contact the bureaus and have it removed but it is still on my report!
Consumer complaint received 2024-10-03
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: EQUIFAX, INC. (MA)

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting 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 XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX Date : XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear Sir/Madam, I am writing to formally dispute the following unauthorized inquiries that have appeared on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit inquiries can only be added to my report if I have provided explicit authorization, which I have not done for the inquiries listed below. These are fraudulent. 

Please remove these inquiries from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inquiries were made without my knowledge or consent . Under the FCRA, a hard inquiry should only appear on my report when I have expressly authorized the creditor to access my credit information. I have not authorized these inquiries and, therefore, request that you remove them from my credit file. 

Please conduct an investigation into these inquiries and provide written confirmation once the unauthorized inquiries have been removed. I expect a prompt resolution to this matter, as the FCRA requires timely and accurate information to be maintained on my credit report. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been working with all XXXX bureaus in disputing credit report balances that either are closed and have been reopened by the collection agencies or medical bills that the hospital wrote off as charity due to no insurance or not able to pay. 

Ive been disputing for over 2 years and last year during XXXX XXXX and just tonight. Some bureaus have them off and others do not. This is affecting my application for my XXXX with my processing.