davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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. (NC)

I have reviewed my credit profile and noticed inquiries or collection that I have NOT given written instruction to 3rd party to report to my file. According to The FCRA this is in violation of 15 USC 1681b - PERMISSIBLE PURPOSE. Please understand that no consent is IDENTITY THEFT. I AM DEMANDING THESE ACCOUNT BE REMOVED IN 2 BUSINESS DAYS. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX Balance Owed : {$82.00} XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$70.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX Balance {$660.00} XXXX XXXXXXXX Balance {$160.00} XXXX XXXXXXXX Balance {$70.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (DC)

Details of Incident : Bank Name : Citibank Account Number : XXXX Date of Incident : XX/XX/year> Branch Location/Online Service Used : Citibank On XX/XX/year>, I was informed by Citibank that my account had been flagged for fraud. This accusation was entirely false, and I immediately provided documentation and evidence to prove that there was no fraudulent activity occurring on my account. Despite this, the bank has maintained that there is an ongoing review, and has continued to withhold access to my funds, effectively freezing my account. 
During this time, Citibank even approved a check while my account was closed, adding to my confusion and frustration. This action appears contradictory, as the bank is withholding access to my funds while still processing outgoing transactions. I have received no clear explanation for why this check was processed or why my account remains restricted. 


As a result of the banks actions, I have been unable to access my funds, which has caused significant harm to my financial well-being. I rely on these funds for essential living expenses, including rent, bills, and daily necessities. The prolonged withholding of my money has caused emotional and financial distress, and I am deeply concerned that this may have occurred as part of discriminatory treatment against me. 

I believe the banks handling of this situation violates my rights as a consumer and has resulted in damage to my well-being
Consumer complaint received 2024-10-08
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. (DE)

I have an unauthorized inquiry from XXXX XXXX  on XXXX. Ive already sent in a dispute about this unauthorized inquiry and Transunion have not removed this unverified unauthorized inquiry from my consumer report. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report with out my explicit permission. XXXX XXXX  have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft persuant to 18 U.S.C 1028A. I have not initiated any transaction with XXXX XXXX  furthermore i do not have an account as defined under 15 U.S.C 1693a ( 2 ) with XXXX XXXX  for review or collection. This needs to be removed immediately.
Consumer complaint received 2024-10-25
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)

I am reaching out to express my serious concern about the security of my personal information. I have noticed inaccurate items and details on my credit report that do not pertain to me, and I am very troubled by the potential risk of unauthorized access this poses.
Consumer complaint received 2024-10-25
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 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 2024-10-26
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)

XX/XX/XXXX 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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX. I 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 : Payment Submitted On Time : I submitted my payment for XXXX on time, well before the due date. I have attached bank statements and payment confirmations that clearly show the payment was processed before the deadline, yet the payment was incorrectly recorded as late. 
Clerical Error at XXXX : After noticing the error, I contacted XXXX customer service, and they confirmed that the late payment entry was a result of a clerical error on their end. The payment was applied to the wrong account, which delayed its proper processing. I have attached email correspondence from XXXX that acknowledges this mistake. 
Delay in Payment Posting by XXXX : The late payment entry is also a result of a delay in XXXX payment processing system. Although the payment was made well in advance of the due date, it took several days for XXXX to post the payment to my account. I have attached communication with XXXX customer support, where they confirm the delay in posting the payment was due to their internal processing issues, not my failure to make a timely payment. 

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 XXXX
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive been in communications with ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Incorrect Name - XXXX XXXX- The personal data reporting is inaccurate. 

Incorrect Name - XXXX XXXX XXXX - The personal data reporting is inaccurate. 

Incorrect DOB - XXXX  - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA, XXXX - The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX - The personal data reporting is inaccurate My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX, GA XXXX My only date of birth is XX/XX/year> My only employer is NONE AT THE MOMENT
Consumer complaint received 2024-10-25
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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-25
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. (AL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-25
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. (TX)

These companies ran my credit over and over. Please remove these hard inquiries off my account immediately. These fraudulent hard inquiries have affected my credit score, as well as keeping me from finding a place to live. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Here is a detailed account of the circumstances that led to the missed payment and why I believe I am not at fault : 1. Account Access Issues : Both the authorized user and I were locked out of the online bank account, preventing us from making the necessary payment. 
2. Customer Support Limitations : When we reached out to customer support for assistance in unlocking the account, we were informed that they could not provide the account number, which was required for us to regain access. 
3. Payment Made Over the Phone : To resolve the issue, we decided to pay the full remaining balance over the phone end of XX/XX/year> for XXXX. During this process, we were assured that there were no additional charges outstanding. 
4. No Additional Purchases : After making the payment, no additional purchases were made on the account. 
5. Credit Score Impact : Despite our efforts, I noticed my credit score dropping from over XXXX to around XXXX after a month and a half. Upon investigation via XXXX XXXX ( again still no access to credit card account directly ), I discovered that a small balance of approximately {$25.00} remained on the account and had grown to around XXXX due to late fees, which led to the negative impact on my credit score. 
6. Resolution with Customer Support : I contacted the collections department and spoke with a team member who provided the account number, enabling me to finally be able to sign in, review the account, and pay off the remaining balance, including late fees. We noted that the previous support agent changed the payment alerts from the authorized users email to an email that we do not use to be notified for payments. After explaining the situation, the team member agreed that I was not at fault and credited the late fees back to my account.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (AZ)

This collector has had people calling me at all hours of the day. Most are XXXX and barely speak English so I can't understand them as it is. When I ask what its regarding they ask me for MY personal information. When I've asked who this debt is for they don't provide any information. I have had several be rude, yell and I have asked them repeatedly to stop contacting me. I want this company to Validate this debt by providing evidence of WHO the original creditor is. Why and How much I owe them by showing statements with the amount including any signed contract with MY signature. Proof they have the right to collect on this debt. Proof of whether the original creditor charged off this debt and the 1099C if they did. The Fair debt collections act says I'm entitled to all of this information and this collector has refused to provide it.
Consumer complaint received 2024-10-22
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. (SC)

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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

These accounts have been listed on my credit report for several months, causing me a lot of stress. Im requesting that you confirm if these accounts are actually mine. The inaccuracies have hurt my credit score and limited my financial opportunities, making it difficult for me to move forward with my plans and goals.