davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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. (NJ)

Dear CFPB, On XX/XX/XXXX, I checked my credit report and noticed inaccurate information related to my account with XXXX XXXX XXXX/ XXXX XXXX  ( Account # XXXX ). The file number of the credit report I pulled is XXXX. The following balances, past due amounts, and scheduled payments from XX/XX/XXXX through XX/XX/XXXX are incorrect : XX/XX/XXXX : Incorrect balance and past due amount. 
XX/XX/XXXX : Incorrect balance and past due amount. 
XX/XX/XXXX : Incorrect balance. 
XX/XX/XXXX : Incorrect balance. 
XX/XX/XXXX : Incorrect balance. 
XX/XX/XXXX : Incorrect balance, scheduled payment, and past due amount. 
I have attached credit card statements for this period, which clearly demonstrate the correct amounts. The inaccurate information reported by XXXX violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically : XXXX XXXX. XXXX requires credit reporting agencies to conduct a reasonable investigation into disputes raised by consumers. If the creditor, XXXX XXXX XXXXXXXX XXXX XXXX, can not verify the accuracy of the reported information, XXXX must delete the inaccurate data.

15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain procedures to ensure maximum possible accuracy of the information they report. The discrepancies on my report clearly violate this requirement, as the balances, past due amounts, and scheduled payments are incorrect.

Additionally, under 15 U.S.C. 1681s-2 ( b ), data furnishers are required to conduct an investigation upon receiving notice of a dispute from a credit reporting agency and must correct or delete any information that is inaccurate, incomplete, or unverifiable.

Given the clear inaccuracies and failure to verify this information, I am requesting that the CFPB assist in ensuring that the erroneous entries are deleted from my credit report, as required by the law.

Please find attached the supporting documentation, including the erroneous credit report entries and corresponding account statements for the disputed period. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have yet again ( 3rd time - previous complaint id XXXX ) on XX/XX/XXXX received email notification that BofA received an application for the XXXX XXXX XXXXXXXX XXXX credit card from me, however I did not fill out an application for any card. This time I was home and not on vacation, so I was able to address it promptly and called on XX/XX/XXXX and had them cancel it. However, they are labelling it fraud and shifting the blame to me as though I was negligent with my information. Why then, if this was fraud do I get emails announcing it and the other 2 times I actually got the cards in the mail because I didn't react fast enough and knew I had not filled out applications, so I did not think anything of it until I saw that BofA was in trouble for just this very thing. 
It makes no sense, if someone was applying for a card using my info then they would have the card sent to them. 
BofA application reference number is : XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I requested Experian XXXX and XXXX to look into my credit report fornaccuricies that pertained to my XXXX XXXX acct and they verified whatever information they had in the system. I was not satisfied with the result so I reached out to the company and requested the information that they were verifying. To my surprise i found that the amount that the 3 bureaus verified is {$16000.00}. The information I was supplied with from XXXX XXXX reflected {$13000.00}. 

XXXX and XXXX has addresses that i do not recognize. I would like the record to reflect XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Upstart Holdings, Inc. (AL)

XXXX XXXX XXXX, XXXX an individual by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX California XXXX used a credit card issued to him with my information to make online orders. The last XXXX digits of the XXXX are XXXX. 

XXXX XX/XX/XXXX an individual by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX used a credit card issued to her with my information to make online orders. The last XXXX digits of the XXXX are XXXX. 

XXXX XXXX XXXX, XXXX an individual by the name of XXXX XXXX XXXX also goes by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX has accessed my credit information without my consent. I have attempted to contacted with no results. 

-- On XXXX XXXX, XXXX an organization called Upstart Network , Inc at XXXX XXXX XXXX XXXX, XXXX floor XXXX XXXX, California XXXX accessed and used my credit without my consent. I have contacted them on on XX/XX/XXXX and XX/XX/XXXX with no results. 

I have filed a police report with our local sheriff 's department and they have contacted the DA about a subpoena.
Consumer complaint received 2024-10-31
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. (SC)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2024-10-31
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. (UT)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-31
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. (SC)

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX XXXX XXXX of Complaint : On XX/XX/year>, I submitted a dispute to Experian disputing a late payment reported by. XXXX XXXX XXXX referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I have never made a late payment to this company. 
I finished paying my loan in full. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am unable to access my Transunion account. Therefore I am being prevented from seeing my report or score. I contacted TransUnion on chat and on phone where I discussed what is going on. When they tried sending temporary new credentials to log in the account kept kicking me out and locking again this was 5 days ago. I was told by TransUnion Consumer support that they have extended the issue to the specialist department and I would be contacted by email within 24hours with instructions. Well it's been a week and I'm still locked out of my account.
Consumer complaint received 2024-09-06
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)

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. 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
Consumer complaint received 2024-08-01
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. (IN)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in those account 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. 


XXXX XXXX XXXX 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 2024-09-06
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-10-05
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I opened XXXX XXXX loan account in XX/XX/XXXX. I went ahead and set up autopayment. Everything worked great before XX/XX/XXXX, when I decided to check my Experian credit report and noticed that XXXX XXXX XXXX XXXX ( XXXX XXXX ) reported late payment to credit bureaus. I was shocked, as auto payment was still set up and there was more than enough money on my checking account for XXXX XXXX to charge me. I have never been notified by them about the missed payment and I had no chance to retry my payment. I called them, asked explanation, why they have not notified me about it and why their autopayment failed? It was not my mistake, as there was enough money on my checking and they succeeded to charge me before. Why they were not able to do it in XX/XX/XXXX. Also, I know that before reporting you late, they should give you a notice. I have not received email, mail or phone call. They gave me no reasonable explanation but declined to remove late payment from my account. 
I hope CFPB will help me. These credit companies do what they want and don't care about customers! Secured loan partial account numbers are XXXX opened XX/XX/XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

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 2024-09-25
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)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-30
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. (PA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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. (NH)

Fraudulent accounts continue to remain active on my report, thereby putting Experian in direct violation of FCRA 605B. I am filing this Consumer Financial Protection Bureau ( CFPB ) complaint against Experian Credit Reporting Agency under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request immediate action regarding fraudulent information on my consumer credit report. This complaint includes a demand to block and remove all items resulting from identity theft and fraud within four ( 4 ) business days, as mandated by law. 

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX on XX/XX/year> under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I expect these accounts to be blocked and removed within 4 days of receipt, as mandated by law. 

Additionally, I request that any and all collection activities associated with these fraudulent items cease immediately, in compliance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). I have attached the FTC Identity Theft Affidavit ( FTC Criminal Complaint # XXXX ) as proof that all items associated with these accounts are due to identity theft and fraud.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (FL)

Cerulean CC charging me late fees for payments made on the same date as due date. This card is also run by XXXX XXXX XXXX which I have recently disputed and now I'm getting charged late fees that are inaccurate and also causing my reporting to suffer.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My credit score dropped and there was a charge on there that I was not familiar with from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This place has never tried to collect money from me, it just hurts my credit score. I am unsure what this is for and tried to call the company with no success. I filed a dispute with Transunion and got a report back on XX/XX/year> and they didnt resolve my issue.
Consumer complaint received 2024-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Obtained a copy of my credit report recently and saw a inquiry. 
I never applied for a hard pull with this company. Requested proof of application. 
Company could not provide. there was a data breach with information provided on applications. i had to put a freeze on my credit report afterwards. 
This is a Trans Union inquiry only. 

XXXX XXXXXX/XX/year>