davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Remove any indications of late payments and modify the status to reflect either " paid now '' or " as agreed. '' Timely payments are a constant on this account, and I request an immediate update.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX  charged off my credit card account and as been reporting it illegal on my credit report i have sent them numerous letter and fax to remove it. i am getting lawyers together this is absolutely ridiculous. you can not report a charge off account the way you are reporting it adandn experian as confirmed multiple times that the information is being reported accurately so hopefully the lawyers can shed some light on this. please remove this charged off account the dates are wrong the amount is wrong its not following any of the fair debt reporting laws and i have seriously had it with this company no 1099 was sent to me
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX days 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 XXXX days before the payment due date.

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

I have requested proof that this information was mailed or delivered XXXX 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 XXXX
Consumer complaint received 2023-11-10
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. (MD)

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. 

XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account NumberXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account details Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

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 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.

These inaccuracies are stopping me from getting a house for my family.
Consumer complaint received 2023-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

Upon reviewing my most recent consumer report, I have observed the inclusion of bankruptcy entries, which I believe violate 15 U.S. Code 1681a ( 4 ) regarding the Consumer Right to Privacy. Specifically, it has come to my attention that these bankruptcy claims should not be present on my credit report, and it appears that my personal information was utilized without my consent, constituting identity theft. As a victim of identity theft, I am aware that there are both criminal and civil liabilities associated with these inaccuracies. I intend to escalate this matter to the next level of action promptly. Kindly rectify these discrepancies urgently and without delay.
Consumer complaint received 2023-11-10
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 am writing to express my deep concern and dissatisfaction regarding the recent denial of my request to block certain information on my credit report, as outlined in 15 USC 1681c-2. It has come to my attention that despite the explicit language in the statute mandating the blocking of information resulting from identity theft, my request has been denied.

Specifically, 15 USC 1681c-2 states that consumer reporting agencies " shall block the reporting of any information in the file of a consumer '' that the consumer identifies as resulting from an alleged identity theft. This provision is designed to protect consumers from the harmful consequences of inaccurate information stemming from identity theft.

I submitted a formal request to block specific information on my credit report, providing evidence that these entries are a result of identity theft and not related to any transactions initiated by me. However, I recently received notice that my request has been denied.

This denial raises serious concerns about the protection of my civil rights as a consumer under the Fair Credit Reporting Act ( FCRA ). The FCRA is intended to ensure the accuracy, fairness, and privacy of consumer information, and it grants consumers specific rights, including the right to block inaccurate information resulting from identity theft.

The denial of my block request not only goes against the explicit mandate of 15 USC 1681c-2 but also raises questions about the adherence to the fundamental principles of fairness, impartiality, and respect for consumer rights, as outlined in the FCRA.

I urge you to reconsider your decision and promptly address this matter in accordance with the statutory requirements. Failure to do so not only perpetuates the inaccuracies on my credit report but also constitutes a violation of my civil rights under the FCRA.

I appreciate your immediate attention to this matter and expect a thorough reevaluation of my block request. 

XXXX : Police Report, ( XXXX ) Identity Theft reports, Proof of Address, Photo ID
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Kindly be aware that the details on my credit report are inaccurate. The addresses are not associated with me. I urgently request the removal of this fraudulent information. As my attempts to address this with the responsible institutions have not yielded results, I am now seeking assistance from a higher authority. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2023-11-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX  The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX  months or the last XXXX years for employment purposes. FCRA 15 USC 1681
Consumer complaint received 2023-11-10
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)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2023-11-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Reached out to XXXX XXXX XXXX regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account.
Consumer complaint received 2023-11-10
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-10
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)

Good evening, My name is XXXX XXXX and I am a victim of Identity Theft. 
Experian is breaking FCRA laws by reporting an account that is a direct result from Identity Theft to my credit report. 
The account in question, XXXX XXXX, is not my account. 
They say they verified the information but haven't shown me any proof or anything. 
I have sent Experian multiple letters with various forms of proof. 
They always give me the run around. 
For example, on XX/XX/03, I wrote to Experian and sent an updated Identity Theft report and they said that the identity theft report isn't valid because it doesn't come from a law enforcing agency. The Identity Theft report is from the FCC and it is XXXX valid and accredited. 
I have told Experian over and over to please block this information and they do not listen. 
I am hereby reporting them because it's been past XXXX business days and the incorrect information is still being reported to my credit report. 
Please take the necessary steps to reprimand them. Thank you.
Consumer complaint received 2023-11-10
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. (IL)

The following accounts do not belong to me and were not authorized by me, have severely affected my financial well-being : Inquires : 1.Account Name : XXXX XXXX XXXX 2.Account Name : XXXX ( Finance ) 3.Account Name XXXX XXXX XXXX ( Finance ) COLLECTION Account name : XXXX XXXX XXXX Original creditor:XXXX XXXX XXXX XXXX XXXX  Account number : Balance : {$230.00} Open date : XXXX XXXX XXXX  The inclusion of these inaccurate and unauthorized accounts on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623. These entries have not only damaged my credit score but have also adversely affected my housing prospects, preventing me from securing a suitable apartment and forcing me into a shelter. I demand an immediate and thorough investigation into the origin of these accounts. Should this matter not be resolved in a timely manner, I will be compelled to seek legal action against the involved parties, including both the creditor and the credit bureaus. Furthermore, I hold the right to pursue damages for the financial and emotional distress caused by the negligence and violations of the FCRA. I request the immediate removal of these accounts from my credit report and a written confirmation of the removal within the time frame required by the FCRA. Enclosed, please find copies of my credit report sections highlighting the disputed accounts and any additional supporting documentation. Your prompt attention to this matter is imperative, and I trust that you will handle this dispute with the urgency it deserves.
Consumer complaint received 2023-11-10
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. (NJ)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (NJ)

My situation is that every month I was fined late fees and interest charges by PNC Bank because auto pay was not working in spite of me having set it up and every month I called customer service and they guided me on the phone while I was online to set up recurring autopay. It never worked and I was fined multiple times by the bank for no fault of mine. 

After registering a complaint with CFPB, the bank finally fixed the issue with recurring autopay and now autopay works as stated, at least it has worked last month. 

While they have fixed the issue so it won't recur, they refused to refund me the fees that was charged due to the fault of the bank. 

Not only that, the bank refused to go over the recorded customer service phone calls in their possession which clearly show that I followed the process for payments as guided on the phone by their own agents who promised me the payments I made would go through ( but didn't eventually ) Credit Card ending in : XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please delete the following accounts completely from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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.

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

After a thorough review of my credit report, I have identified what I believe to be an inaccuracy in the reporting of this bankruptcy. As per my records, the bankruptcy was discharged, and I contend that it is currently being reported inaccurately. I kindly request that you investigate this matter promptly and verify the accuracy of the information associated with the mentioned public record. If it is indeed reported inaccurately, I request that you take the necessary steps to rectify the error and update my credit report accordingly. I understand that accuracy in credit reporting is crucial, and I am eager to ensure that my credit history is a true reflection of my financial circumstances. I appreciate your attention to this matter and expect a thorough investigation within the timeframe stipulated by the law. US BKPT CT CA XXXX XXXX XXXX.