davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-29
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. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Double reported student loan debt and incorrectly reported a late payment on XXXX loan during the time of XXXX forbearance. It is impossible for the loan to have been late, no payments were due. Occurred on one of many instances of the same student loan.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This is NOT a duplicate complaint.

Subject : Formal Complaint Regarding Inaccurate Reporting of Accounts in Violation of 15 U.S.C. 1681c Dear CFPB Team, I am writing to formally submit a complaint regarding Experian 's inaccurate reporting of two accounts on my credit report. Despite my efforts to resolve these issues, Experian continues to list these accounts as potentially negative, contrary to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c. 

Details of the Inaccuracies The accounts in question are as follows : XXXX XXXXXXXX XXXX XXXX XXXX  ) Account Number Ending : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX  XXXX Account Number Ending : XXXX Background and Current Status These accounts are currently under negotiation with XXXX XXXX, and I have been actively paying into a structured payment program since XX/XX/year>. Both XXXX and XXXX have reviewed and removed the inaccurate entries from my credit report. However, despite my good-faith compliance and regular payments under the renegotiation terms, Experian has not taken similar corrective actions. 

Nature of the Violation Under the FCRA, specifically 15 U.S.C. 1681c ( a ) ( 5 ), credit reporting agencies are obligated to ensure the accuracy and completeness of reported information. Information that is outdated, inaccurate, or unverifiable must be removed or corrected. Given the renegotiation with XXXX XXXX and my active participation in the payment program, Experians reporting of these accounts as potentially negative is incorrect. 

Previous Attempts to Resolve I have reached out to Experian directly to dispute this reporting, providing full details of my renegotiation status and payment history through XXXX XXXX. However, Experian has not taken any steps to update the report accurately, leaving these accounts marked negatively in my credit profile.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

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 2024-10-29
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. (AR)

I was viewing my credit report and noticed a few accounts and inquiries that I did not notice or recognize. These items are fraudulent and inaccurate and is affecting my ability to obtain credit. These the inquires has no permisable purpose and should be removed immediately. 
Account : XXXX XXXX, XXXX XX/XX/XXXX ; Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-29
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. (CA)

There is a charge off from XXXX XXXXXXXX that is XXXX years old. I have already wrote them a letter to take it off. They did nothing that car was stolen and due to my insurance being new they tried to use every excuse not to pay it off and they kept the car. I want that taken off my credit report. also there's a bunch of hard pulls that brought my credit score way down. Like XXXX for credit one I never applied for that credit card I want those taken off and my score back where it was.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 

3. Contact Information : My main contact number is : XXXX XXXX XXXX. I would like this number to be updated. 

4. Date of Birth : XX/XX/year> : ( XX/XX/year> ) 5. Employer : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This account belongs to the head signer. The car was sold or auctioned off no information was sent of what it was sold for. Some information you have on this report is inaccurate also some of my personal information is not correct. Also I have been a victim of identity theft fraud my social security number has been exposed Ive receive several notices of that. Also my name is a commonly used and has been found on accounts that are not mine.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, the list of the accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 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 an account without my written instructions.

- 15 U.S.C 1681 C ( A ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of information other than the records of conviction 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 the information is inaccurate.
Consumer complaint received 2024-10-29
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. (LA)

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 2024-09-29
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. (VA)

I have been a victim of identity theft and I have a lot of inquiries on my credit report that I did not authorize, Due to my fcra rights I will like them removed from my credit profile I have learned now to lock my credit report. I will upload documentation of inquiries
Consumer complaint received 2024-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Please delete the following accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-29
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. (FL)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-09-09
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)

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EXPERIAN Account Type : Secured Credit Card Dear Sir/Madam, I am exercising my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) to formally dispute inaccurate and unverifiable information related to my account with [ creditor name ], which has been marked as " charge-off. '' Upon reviewing my credit report, I have noticed the following significant discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest : reported balance : {$260.00} Current : balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Account type : Secured credit card.

Experian : Highest reported balance : {$0.00} Current balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' It also states that the accounts unpaid balance was reported as a loss by the creditor.

Account type : Credit line secured. 

XXXX : No information reported regarding this account.

These inconsistencies between the credit bureaus, particularly regarding the balance reported, account status, and type, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies maintain maximum possible accuracy in the consumer information they report. XXXX and Experian report different balances, with Experian listing a {$0.00} balance for the highest amount, and XXXX reports nothing at all regarding this account, creating a discrepancy. Additionally, Experian notes an unpaid balance reported as a loss, while XXXX does not. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to accurate and clear information about my credit obligations and payment history. The discrepancies between the reports are hindering this right and inaccurately affecting my credit score and history.

I request that you investigate this dispute under the FCRA and TILA, and remove the inaccurate information, including the charge-off, from my credit report. The differences between the credit bureaus indicate the inaccuracy of the reported information. Please provide me with the results of your investigation and a corrected report as soon as possible.

For your reference, I have attached copies of my credit reports showing these discrepancies.

Thank you for your prompt attention to this matter. I look forward to your timely response.
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: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-17
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)

To whom it may concern, it has come to my attention that there has been a data breach XX/XX/2024 where my personal information has been compromised. This stems from the XXXX XXXX case XXXX XXXX v. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Not only is this a direct violation of the XXXX  ( XXXX XXXX XXXX XXXX ). According to the FCRA XXXX XXXX. XXXX XXXX findings and statement of purpose all consumer reporting agencies are required to provide confidentiality, accuracy, relevancy, and proper utilization in a fair and equitable manner. My Consumer report has multiple inaccuracies including contact number, confidentiality, accuracy, etc.
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A cashiers check in the amount of XXXX $ was generated in the form of cash for in person at Bank of America on XXXX. I simply want clarification as to why the check that was written out to XXXX XXXX. Was never deposited into my account. I have contacted BOFA to see where this check has gone. They said I changed the check small cashiers check for an amount of XXXX $ an exchanged for a larger check amount of XXXX $ at a later date of the XXXX of XXXX. The XXXX $ cashiers check has a stamp on back that is stamped by XXXX. Stating NOT INTENDED FOR ITS PURPOSE. AND NO ENDORSEMENT ON THE CHECK ITSELF? This is the problem. They refuse to give me more information as to where the XXXX  check went. I would like to dispute the charges to restore this matter for my IRA ACCOUNT WITH XXXX XXXX. Bank of America, have also try to imply, over a phone conversation with XXXX on XXXX at XXXX. That I signed that cashiers check, as I have signed a previous chashiers check right around the same time for a different amount, made out to XXXX. However, that check did go through well. Thank you
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've recently completed a dispute with the credit bureaus. Despite disputing the negative information with the credit reporting agencies, the inaccuracies persist. I request your assistance in investigating and rectifying the inaccurate information. Ensuring compliance with the Fair Credit Reporting Act ( FCRA ), and holding the credit reporting agencies accountable. I've disputed the inaccurate account labeled : XXXX XXXX XXXX XXXX I contacted the collection agency through CFPB concerning this account. However, the collection agency could not provide me with the date of first delinquency which was disputed with the credit bureaus. Which also determines when this account should be removed from my credit profile. XXXX XXXX XXXX XXXX XXXX ) provided documentation which shows inconsistent information furnished to the bureaus. Also, the open date information that's been furnished to the credit reporting agencies are erroneous. 

Listed in the attached image shows that this debt was purchased on XX/XX/2021. It does not give a date for the opening of this account on my credit profile. In addition, this account could not be opened on my credit profile by this collection agency before it was purchased from XXXX. Therefore it's inaccurate. XXXX is using the original creditor 's open date which is inaccurate. It is a collections account. This information was disputed as inaccurate and still it remains on my credit profile. It's a violation of 15 U.S.C. 1681e ( b ) - Accuracy of Information and also a violation of 15 U.S.C. 1681i - Investigation of Disputed Information.
Consumer complaint received 2024-09-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently made a purchase on XXXX on XX/XX/XXXX. This purchase appears as pending on my credit card statement for {$1800.00}, and the reason I am contacting you is because of the price advertised by Capital One Shopping extension, with an estimated total including taxes and shipping for {$1300.00} ( see attachments ). 

I could not see this transaction as pending on the Capital One Shopping platform by XX/XX/XXXX, although I did see others made on XX/XX/XXXX. I spoke with a representative on the phone who explained that the rewards might take XXXX days to show up on Capital One Shopping account. 

Since the price difference of what I paid and what Capital One Shopping was promising was quite large, I sent an email to their support team for confirmation that I would be seeing either a credit on my card statement or available rewards in the approximate amount of {$470.00}, as was promised in the advert. 

They replied the following : " XXXX ( Capital One Shopping ) XX/XX/XXXX, XXXX XXXX Thanks for contacting Capital One Shopping! 

I'm sorry to hear about your experience. 

Capital One Shopping does not offer XXXX XXXX for XXXX purchases, but we do offer Price Comparison while shopping on XXXX, as well as, available promo codes! Learn more about XXXX XXXX and how to earn them at our Help Center. 

Capital One Shopping utilizes a complex product matching system in order to compare prices on the same products across the e-commerce landscape, including nation-wide retailers along with trusted, reliable marketplace sellers. In rare instances, the compared products may slightly differ, so it's important to verify the product you're purchasing before submitting your final payment. 

As a community of buyers, Capital One Shopping is always improving its product comparison technologies via feedback from members like you. After being taken to a Capital One Shopping-recommended product, you'll notice a pop-up asking if you'd consider it to be an accurate comparison. Please let us know. Any comparisons proving to disappoint users are quickly updated or excluded. 

For the specific product you purchased, any return or refund will need to be arranged with the retailer or seller themselves. I hope this is helpful, and please let me know if I can be of any further assistance. 

Thanks for understanding. 
XXXX '' Nowhere in their advertising did it state that this was only a price comparison and not indeed what the final price would be, or that the price advertised might not be accurate. I made the purchase confidently, naively trusting their advertising.
Consumer complaint received 2024-09-30
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. (TX)

Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. 
Please assess and investigate the accounts that are not entirely accurate. I request the prompt removal of all inaccurate entries from my credit report and blocked all the information