davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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. (CA)

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 the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. 
Account name : XXXX XXXX XXXX Account number : XXXX Dated Account was opened : XX/XX/20XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-07-08
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. (TN)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-07-08
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. (AL)

I recently reviewed a copy of my credit report. I was shocked to learn I have been the victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-24
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. (DC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-08-24
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. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-24
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: Experian Information Solutions Inc. (IL)

To Whom It May Concern, Name : XXXX XXXX XXXX XXXX XXXX : XXXX Section 1681e ( b ) : Accuracy and fairness of credit reporting requires credit bureaus to maintain accurate and complete information in credit reports. 

Section 1681i ( a ) ( 6 ) - Responsibilities of Credit Reporting Agencies Purpose : Details the responsibilities of credit bureaus to correct or delete inaccurate or unverifiable information after a dispute. 

I have been suffering from inaccurate reporting by the credit bureaus from a very long time. I see that none of the bureaus are accurately reporting anything and they are very inconsistent across all XXXX credit bureaus. I have disputed multiple accounts that don't belong to me and even after disputing them, all I get is that the dispute is complete and no action was taken. 

I firstly would like to know what action the company has taken. I would like to know what action was ensured to see that the account actually belongs to me. I would like to get a response within the the next XXXX business days from the reporting burueau of what information they took in the reinvestigation process. 

I would like to get details such as date opened, my signature, my name, address and any other information they XXXX have regarding these accounts. If they don't provide this information, they have violated my rights and I would like to get a {$1000.00} check for each account that was incorrectly reported. 

The following accounts should not be on my credit report. XXXX was already complete and no action was taken. I want to know what investigation they took giving a step by step procedure : XXXX. XXXX XXXXXX/XX/XXXXXXXX XXXX Account no. XXXX XXXX.XX/XX/XXXX XXXX : Account no. XXXX XXXX. XX/XX/XXXX XXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX XXXX. XXXXXX/XX/XXXXXXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX If they don't provide me with this information, I would like to have them removed immediately. I also want to ensure that these accounts ever get reflected on my account. Details of the investigation can be emailed to : XXXX.
Consumer complaint received 2024-08-24
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. (IL)

I recently received a copy of my credit report and I noticed I had a fraudulent account appearing on my report. Please remove this fraudulent account from my credit report, this fraudulent account is hurting my ability to obtain credit to purchase a home.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Under 15 U.S. Code 1692g ( Validation of debts ) and 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), all information reported on my credit report must be accurate, complete, and verifiable. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( Treatment of inaccurate or unverifiable information ), any inaccurate or unverifiable information must be corrected or deleted from my credit file, and 15 U.S. Code 1681e - Compliance procedures. 
The specific inaccuracies I have identified include : 1. Account Number Discrepancy : The account number appears as XXXX on XXXX , while it appears differently on other credit reports. 
2. Account Status : The account status is inconsistent ; on one report, it says " Paid, '' while on another, it says " Closed. '' 3. Date Opened : The " Date Opened '' reported is inconsistent with other information. 
4. Payment History : The payment history reported does not match the actual account history. 
Given these inaccuracies, I am requesting a thorough investigation into this matter and demand that all erroneous information be corrected or removed. I expect written confirmation of the resolution within 30-45 days of receiving this letter. 
Please be aware that if my request is not addressed within the stipulated time frame, I am prepared to take legal action to seek damages. As per the FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy on my credit report. 

XXXX
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

After checking my credit report I recently realized that my mortgage company XXXX XXXX XXXX Bank were reporting a 30 day late payment for XX/XX/2023. Right away I realized that was a mistake. I have recently experienced a financial hardship and was approved for assistance on paying my mortgage loan through a company called " Nevada XXXX Assistance XXXX, ( XXXX ). '' Immediately I logged onto my account to confirm when my initial mortgage payment started. After logging onto my account it stated that I was " approved and funded '' on XX/XX/XXXX of 2023. It also has a section labeled " status '' that confirms whether a payment is processing, pending or has been paid. My Status for that payment is recorded as " paid '' on XX/XX/2023 ( XXXX ). I tried to print that information as well but the page kept getting cut off on that section, but you can clearly see the " XXXX, XXXX '' which is a clear indication that my mortgage was paid in XXXX. I will upload the document so you can see exactly what I'm explaining on this complaint. All of this information proves that I was never 30 day 's late on making my payment in XXXX, I paid on time within the 30 day timeframe. 

I called XXXX XXXX XXXX XXXX to explain what they were reporting to the credit bureau was incorrect and it should be an on time payment rather than a 30 day late payment. They continued to say " our records show you were 30 days late, and you have to make a dispute with the credit bureau. '' Once I made a disputed for the 30 day late payment they denied my request to correct the mistake, which led me hear to file this complaint.
Consumer complaint received 2024-07-08
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-15
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. (PA)

XXXX XXXX XXXX : XX/XX/year> SS : XXXX I am submitting this complaint to the CFPB to request, per FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, TransUnion, block information from my credit report related to identity theft and fraud within four business days of receiving this notice. The inaccurate and fraudulent information includes : XXXX Account Number : XXXX Balance : {$17000.00} XXXX XXXX Account Number : XXXX Balance : {$390.00} XXXX XXXX  Balance : {$310.00} Account Number : XXXX  These accounts have resulted in multiple hard inquiries and fraudulent collections on my FICO credit report. I do not recognize any of these accounts, collections, or hard inquiries, as they were not opened, created, or authorized by me and are a direct consequence of identity theft and fraud. This situation violates consumer protection laws, including the Fair Credit Reporting Act. As required by FCRA Section 605B, you must block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX, confirming that these accounts, collections, and inquiries are directly related to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I would like to start off by saying I am a victim of identity and I have been since XXXX. I have had fraud prevention alerts on my credit that I have since removed but I try to monitor my credit as much as possible. On XX/XX/XXXX I noticed I had an account reporting on my credit that was not made by me or authorized by me. Once I noticed this fraudulent account on my credit profile. I disputed directly with the credit bureau Equifax and they continuously report this fraudulent account to my credit report. 

XXXX XXXX XXXX XXXX Due to this fraudulent account reporting on my credit report, it has caused a great deal of stress and financial hardship and has hindered me from moving forward with my personal business and livelihood.
Consumer complaint received 2024-10-09
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. (DC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-23
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. (NV)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am currently a XXXX XXXX i am being told the following inquires would last XXXX years on my credit. I am asking that these inquires be removed for XXXX i never applied for anything because i am always busy with sXXXX XXXX XXXX XXXX. There is no way this is fair to me that these lenders access my report without any consent, please investigate and remove these inquires immediately. I am currently in XXXX this is defamation to my character. remove these inquires
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXX ), 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 reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Collection account at XXXX on XX/XX/XXXX Account number ( XXXX ) an Collections account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an Collection Account opened at XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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.