davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/2024 XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/2024 XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
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. (KS)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

XXXX XXXX has reported bankruptcies on my credit report without my consent and will not provide the company that provided this information because I have verified with the courts that they do not nor have they ever released consumer data to any credit bureau
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am urgently notifying you that I have been a victim of identity theft, which has resulted in numerous fraudulent accounts and inquiries appearing on my credit report. These accounts and inquiries were made without my knowledge or consent, and I am demanding immediate action to address and remove them. 

**Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an identity theft report with the Federal Trade Commission ( FTC ) and insist on the prompt removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2020-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2020, Capital One Bank tried to cash a post-dated check issued by me, without checking. They rejected the check and charged a NSF fee even though the account showed sufficient balance. 

They never bothered to check with me regarding NSF. On being contacted, their only excuse was that they did *nothing illegal*. 
. 
On XX/XX/2020, the bank charged {$0.00} for overdraft, though the balance has always been positive.
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. (FL)

This account [ XXXX XXXX XXXX XXXX ] [ XXXX ] was charged off on the following date [ XXXX, 2024 ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : [ XXXX XXXX XXXX XXXX ] [ XXXX ]
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Dear CFPB Representative, I am writing to file a complaint regarding inaccuracies on my credit report. Despite my efforts to resolve these issues directly with the credit reporting agencies, the incorrect information persists, and I am seeking your assistance in rectifying these errors.

I have identified the following inaccuracies on my credit report : Incorrect Name ( s ) : Name ID # XXXX XXXX XXXX, Name ID # XXXX XXXX XXXX XXXX, Name ID # XXXX XXXX XXXX Incorrect Address ( es ) : Address ID # XXXX Incorrect Phone Number ( s ) : ( XXXX ) XXXX - XXXX ( XXXX ) XXXX Incorrect Employers : XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 et seq. ), credit reporting agencies are required to ensure that the information they report is accurate and up-to-date. Specifically : FCRA Section 1681i : This section mandates that consumers have the right to dispute inaccurate or incomplete information, and the credit reporting agency must investigate and correct or delete the information if it is found to be inaccurate.

FCRA Section 1681e ( b ) : This section requires that credit reporting agencies follow reasonable procedures to ensure the accuracy and integrity of the information they report.
Consumer complaint received 2022-12-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and these accounts reporting to my credit are making it hard for me to move please delete any account that is not reporting properly to my credit so I can move this is affecting my life. Please also update my personal information
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting 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 am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX and Equifax. 

Please delete the following accounts : XXXXK Account Number : XXXX Balance : {$260.00} XXXX XXXXXXXX Account Number : XXXX Balance : {$0.00}
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Aldridge Pite, LLP (CA)

XXXX - an attorney replied to this with nothing but nonsense. Fraud charges have been filed with the DA of XXXX and the reports have been sent to XXXX XXXX, XXXX XXXX, the NEW law firm that is representing XXXX so why Aldrige Pite is even responding makes that a crime because he doesn't represent anyone. 

The documents with the Superior Court have the NEW law firm, and it's not this dude on the above complaint. 

The attached document has my handwriting from when I received it AND send copies to XXXX and XXXX. 

And all my complaints in the past that sound like Aldrige Pite but were some offshoot, it's because I didn't have documents in front of me and I am correcting those errors now.
Consumer complaint received 2024-09-07
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. (GA)

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



( XXXX. XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-27
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. (FL)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

Account : XXXXXXXX XXXX XXXXXXXX XXXX ( CLOSED ACCOUNT ) payments late year 2021. 

In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2024-09-07
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Information on Credit Report Experian Dear XXXX, I am writing to formally dispute inaccurate information reported on my Experian credit report. Below are the details of the negative items that I believe are incorrect and should be removed or corrected immediately. 

1. XXXX XXXXXXXX Account Number : [ XXXX ] Issue : Charge-off status. This account is inaccurately reporting a balance of {$1200.00} that was written off, but I have disputed this information previously without resolution. Requested Action : Please investigate this item and correct the reporting. 

2. XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : [ XXXX ] Issue : Late payment inaccurately reported for XX/XX/XXXX. 
Requested Action : Remove the 30-day late payment from my credit report as it was incorrectly reported. 

3. XXXX XXXX XXXX Account Number : [ XXXX ] Issue : Account is reported as a collection account with a balance of {$1500.00}, yet I believe this information is incorrect. 
Requested Action : Please verify and correct this information or remove it from my credit report. 

4. XXXX XXXX  Account Number : [ XXXX ] Issue : Account is reported as charged off with a balance of {$780.00} past due as of XX/XX/XXXX. 
Requested Action : Investigate and correct this inaccurate reporting, as I dispute the balance and charge-off status. 

5. XXXX XXXX Account Number : [ XXXX ] Issue : A late payment from XX/XX/XXXX is reported, but I request the removal of this 30-day late payment from my credit report. 
Requested Action : Update the payment history to reflect timely payments. 
I have enclosed copies of my credit report highlighting the disputed items for your reference. Please conduct a thorough investigation and provide me with the results in writing. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-07
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. (IA)

I have written this company two times to request a debt validation letter and verification letter and did not receive the letter. I have also written all three credit bureaus requesting the same information previously twice as well. 
After carefully investigating the company XXXX XXXX XXXX XXXX, they are not even licensed to collect in my state that I live in Iowa. 

As such, any attempt to collect the alleged debt from me is in violation of Iowa state law and the Fair Debt Collection Practices Act ( FDCPA ). 

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Iowa Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law.
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-08
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. (FL)

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX Experian Account Type : Credit Card I am writing under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information that appears on my credit report regarding the account I hold with [ creditor name, e.g.XXXX XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' Upon reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, Experian, and XXXX ) : XXXX : Highest reported balance : {$4200.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' Experian : Highest reported balance : {$0.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' It also states that the account was closed due to inactivity. 

XXXX : Highest reported balance XXXX XXXX XXXXCurrent balance owed : XXXX XXXXPayment status : Closed, reported as " Charged off, '' and notes the balance was " reported as a loss by the creditor. '' These discrepancies show significant inconsistencies between the credit bureaus, particularly in regard to the high balance amounts and account closure reasons. According to Experian, the account was closed due to inactivity, while XXXX indicates it was reported as a loss by the creditor. Furthermore, XXXX provides different information about the high balance. This inconsistency violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies ensure maximum possible accuracy when reporting consumer information. 

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history, which is currently not being accurately reflected due to these discrepancies between the credit bureaus.

I am requesting that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The conflicting data between the bureaus demonstrates the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and inaccurate information for your reference. 

Thank you for your prompt attention to this matter. I look forward to your quick response.
Consumer complaint received 2024-09-08
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. (CT)

PLEASE REMOVE FRAUDULENT ACCOUNTS AND HARD INQUIRIES OFF MY CREDIT PROFILE IMMEDIATELY FROM EXPERIAN, XXXX, XXXX XXXX. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00}