davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: National Credit Systems,Inc. (VA)

The people listed on the account never signed a lease with this company and was not XXXX XXXX XXXX at the time of signed lease. That is false statement written. Under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. Pursuant to 18 USC 8 I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 B2 company has no permission to report my information per 15 USC 16 814.
Consumer complaint received 2024-08-28
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. (AP)

XXXX XXXX XXXXXXXX VIOLATION OF THE FCRA .. ( XXXX XXXX XXXXXXXX XXXX & ( EXPERIAN XXXX IS REPORTING UNAUTHORIZED CREDIT INQUIRY ON MY EXPERIAN CONSUMER CREDIT FILE.... TITLED... ( XXXX XXXX XXXXXXXX XX/XX/year> )... IS.. IDENTITY THEFT NOT AUTHORIZED BREACH FRAUD .... XXXX XXXX XXXXXXXX AND EXPERIAN FAILED TO REMOVE THE UNAUTHORIZED ( XXXX XXXX XXXXXXXX XX/XX/year> ) INQUIRY INFORMATION.SINCE ( XX/XX/year> CREDIT ALERTS REPORTS HACKERS MASSIVE XXXX CREDIT DATA BREACH EXPOSED CONSUMER FINANCIAL INFORMATION )
Consumer complaint received 2024-08-28
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. (OH)

Subject : Request for Assistance in Resolving XXXX XXXX ( Debt Bondage ) Case To Whom It May Concern, I hope this message finds you well. I am writing on behalf of a federal award recipient authorized by the U.S. Department of Health and Human Services ' Office on XXXX in Persons ( see attached Confirmation of Authorization ). This letter is to inform you that the XXXX XXXX XXXX has verified and determined XXXX XXXX is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as defined under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX, as defined under 22 U.S.C. 7102 ( 12 ) in accordance with the qualifications for blocking adverse credit information according to 12 C.F.R. 1022.142 ( see attached rule ). XXXX XXXX XXXX is an organization dedicated to advocating for the rights and welfare of individuals affected by XXXX XXXX, including debt bondage. Our mission involves supporting and advocating for victims of XXXX XXXX, a severe violation of human rights and a modern-day form of XXXX. We aim to provide assistance to these individuals and work with various stakeholders to raise awareness and address this critical issue. In our work, we have come across a case where an individual 's credit report shows an outstanding debt, which we strongly believe is linked to debt bondage. The nature of this debt raises significant ethical and legal concerns, as it may involve coercive or fraudulent practices, resulting in an unfair financial burden on the individual. 

We request your assistance in blocking and deleting any accounts negatively impacting her credit profile. Thank you for your consideration. We look forward to collaborating with you on this important matter. Please feel free to contact me at any time. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-28
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. (FL)

I Recently demanded a deletion of inaccurate information on my credit report the results was a deletion of 3 accounts out of the 7 accounts i listed as inaccurate. the remaining accounts information was changed, which would be a violation. This would be BREAKING THE LAW, under the FCRA it is the duty of consumer reporting to report fair and accurate information at all times, If the information was accurate from the beginning there should've been nothing to change. I am also Demanding compensation in pursuant to 15 usc 1681n & 15 usc 1681s ( 2 ). Below I attached letters detailing my situation further. 

Also here is a list of inaccurate accounts. 

Initial Inaccurate reporting : XXXX XXXX  : year XXXX XXXX XXXX. Shows 60 to 60 to 60. One Can not be late back to back like this it should be 60 to 90 to 120. This is inaccurate. 

XXXX XXXX : year XXXX XXXX.-XXXX. Shows 120 days al through. this is inaccurate. 

XXXX : year XXXX. XXXX.-XXXX. Shows 30 days all through until XXXX. which then goes up to 60 days. this is inaccurate XXXX XXXX : year XXXX. XXXX XXXX. Shows 30 days back to back. This is inaccurate.
Consumer complaint received 2024-08-28
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. (AP)

VIOLATION OF THE FCRA .. ( EXPERIAN XXXX & ( XXXXXXXX XXXX  XXXX IS REPORTING UNAUTHORIZED CREDIT INQUIRY ON MY EXPERIAN CONSUMER CREDIT FILE.... TITLED... ( XXXX XXXX Dated : XX/XX/year> )... IS.. IDENTITY THEFT NOT AUTHORIZED BREACH FRAUD .... EXPERIAN AND XXXX FAILED TO CORRECT INFORMATION.SINCE ( XX/XX/year> CREDIT ALERTS REPORTS HACKERS MASSIVE XXXX CREDIT DATA BREACH EXPOSED CONSUMER FINANCIAL INFORMATION )
Consumer complaint received 2024-08-28
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. (NC)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I had a loan with XXXX that unfortunately fell delinquent. I logged into my online account on XX/XX/XXXX, which showed active, and made a payment of {$100.00}. This information was not provided or updated with the credit bureau. I was then served a court summons a few days later being sued by XXXX, I found out XXXX had not reported the payment to their attorney either. The attorney also informed me XXXX was not supposed to take my payment and my account should be showing closed, apparently it was closed in XXXX but showed open through XXXX? I noticed my loan balance on my online account showed {$6500.00} but credit and their attorney show almost XXXX? So was the judgement issued for the right amount in court? Why does my account still show open? How was my payment applied to the balance because I paid the attorney {$320.00} on XX/XX/XXXX because they said XXXX  required a payment and a half but credit report only shows I paid {$200.00}? Also, credit report balance still shows higher, after XXXX  changed it initially when I disputed it advising it was the wrong amount. I feel they are reporting incorrect amounts, wrong account status, filing judgement on open accounts. Are they keeping the account in open status to charge more interest and not take a hit to portfolio so delinquency on the front end stays low?
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-08-27
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. (OH)

I am writing to file a formal complaint against Experian regarding the inaccurate information on my credit report related to the XXXX  XXXX bankruptcy proceedings. I believe that Experian has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to provide me with essential information despite my repeated requests. 

Specifically, Experian has neglected to furnish me with the following details concerning the verification of the disputed information : a. The name of the courthouse where the XXXX  XXXX bankruptcy proceedings took place. 
b. The full name of the person at Experian who verified the dispute. 
c. The address of the court or entity that provided the verification. 
d. Any telephone numbers associated with the verifying party. 
e. Copies of any documentation that was used to verify the dispute. 

I urge the CFPB to investigate this matter thoroughly and compel Experian to take immediate action, including the deletion of the inaccurate account from my credit report and the provision of the requested information as mandated by the FCRA. 

Failure to adhere to these requirements may necessitate further escalation of this issue, as I am resolute in my commitment to upholding the accuracy and integrity of my credit report.
Consumer complaint received 2024-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (TX)

I reached out to Associate Credit Service, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX, to request debt validation regarding a reported account. Despite my request, the company has not provided the necessary validation. Instead, they have continued to report incorrect information to the credit bureaus, which has negatively affected my credit score. I have made several attempts to resolve this matter directly with Associate Credit Service, but my requests have been ignored, and the inaccurate reporting persists. I am seeking assistance in having this matter resolved. Thank you.
Consumer complaint received 2024-07-24
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)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX - XXXX
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MO)

Citibank sent me pre-approval offers for two credit cards at different dates in XXXX. These cards were issued with {$15000.00} and {$17000.00}, for my 1st two accounts. I have made timely payments to these accounts each month, have paid over the minimum payment due, and had not used 50 % of these credit limits. The bulk of the credit on these cards were from balance transfers from other cards because of the promotional balance transfer offers Citibank promoted to lure me into opening the accounts. My credit score was already over XXXX and I had all timely payments on my credit reports with several XXXX balances, on my way to building a better credit portfolio. In approximately XX/XX/XXXX Citibank offered a pre-approved Costco XXXX, which I was approved for, with a {$5000.00} credit limit. Two months later, Citibank reduced the credit limit on my 1st two account by by thousands of dollars, putting me at a 99 % credit usage on each of those accounts, which adversely impacted by credit and FICO score. Their reason was based on XXXX, per their notice. I ran my credit report from all three agencies. XXXX shows all accounts paid on time and nothing negative on any accounts. Citibank practice is misleading, unfair, and has caused injury to my credit that I have worked so hard to improve. I have two inquiries that are over 1 year old and 2 that are current. There is nothing negative on my credit report. I want my credit limit restored on my account and Citibank to be held accountable for their deceptive practices..
Consumer complaint received 2024-09-10
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. (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.

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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In this complain I would like to refer PAANL ( Protection Against Non-Payment od Obligation Act. On my most recent credit report I noticed that my credit score went down and I don't even know the reason, but after reviewed I knew. XXXX XXXX with account number XXXX reported to Credit bureaus an inaccurate delinquency, by the way this is a double violation by Credit bureaus and the furnisher. XXXX XXXX has some issues with the payment processing and that problem had hurt my ability to obtain credit and my worthiness. I called the furnisher and they told me they have nothing to do in this case, thats why I am here submitting this complain directly to the credit bureaus, this attempt is the last that I will try, the first was with the furnisher, second with the Bureaus, next time I will file a small claim in the court seeking compensation for damage. 
I demand these payment be update to on time never late.
Consumer complaint received 2024-09-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I applied for a XXXX DEPARTMENT of EDUcation parent plus loan for my son. He is IN THE MIDDLE of his SEMESTER and this identity theft on my Transunion is preventing my loan to be approved and allow my son to stay in his semester. I feel completed defeated because this is the first I hear of this company and debt and the middle man company can not even inform me of the debt after multiple conversations. I have disputed this multiple times, and assumed since this is truly not my debt, it would be removed and we could proceed although the company has only tried to collect this money and has shown they do not know who this debt comes from. My son will get kicked out of school if this is not resolved in the next week. This is a crime and should not happen. Please help me save myself in this and ultimately clear this debt that DOES NOT BELONG to me. 
Transunion has it listed as XXXX XXXX XXXX.
Consumer complaint received 2024-09-19
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)

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Company : XXXX XXXX XXXX Account number- XXXX Balance : {$1000.00} Company : XXXX XXXXXXXX Account number : XXXX Balance : {$200.00} Company : XXXX XXXX XXXX Account number XXXX balance {$1400.00} Company : Nat XXXX XXXX Account number : XXXX BALANCE : {$4500.00} Company : XXXX XXXX XXXX  Account number : XXXX BALANCE : {$1800.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX reports XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 2024-07-05
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. (NY)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible it the status is inaccurate, the count of late payments is inaccurate, the high balance is inaccurate and date last reported is not accurate. This ground for removal they also violated my rights under XXXX 1681 section 602 A. States I have the right to privacy.

15 US C 1631 Section 604 A Section 2 : It also states e consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2023-07-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/23, I sent a letter addressing inaccuracies and unknown entries on my credit report. Despite more than 60 days passing since then, I have not received a response. I believe I am being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days provides grounds for their immediate removal from my credit report. Since it has been over 60 days, they should be promptly deleted. I insist that these accounts be removed immediately, or I will pursue legal action due to the distress caused by this situation. Furthermore, my personal information was impacted by the XXXX data breach, raising concerns that it may have fallen into the wrong hands.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed my credit report and discovered several inaccuracies that do not accurately reflect my financial situation. This erroneous information is negatively impacting my credit and limiting my ability to obtain credit. 

I have already disputed these accounts with each credit Bureau but have not received a satisfactory resolution. I am now seeking the CFPB 's assistance to investigate these inaccuracies and ensure they are removed from my credit report. 

Below is a list of the of inaccurate accounts I am asking you to investigate : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX ( Account XXXX ) Account Number : XXXX XXXX XXXX ( Account XXXX ) Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Thank you for your attention to this matter.