davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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)

I previously disputed these accounts with Experian. I let them know these accounts were not being reported accurately. According to the IRS when an account is charged-off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099 ( Cancellation of Debt ) from Experian in regards to the following charged-off account listed below. These accounts can no longer be reported to my credit report. Not only does this violate my rights for the FCRA, this is also tax fraud on Experians part. The accounts listed below need to be immediately removed from my credit report as they are reported inaccurately. 

I recently looked at an updated copy of my credit report and noticed several inaccuracies on the accounts I disputed. These accounts are hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking to be verified for accuracy : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inaccuracies that are highly injurious to my credit score. In accordance to The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I am requesting the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation. 

Also, these accounts were charged off on the listed dates above. Since then the accounts have repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should not include an active payment history according to the FCRA. This inaccurate information falsely manipulates the statute of limitations. Failure to investigate this account properly after I requested 2 times for it to be corrected and updated has violated my rights according to the FCRA. Therefore, I am demanding these accounts to be deleted from my credit report.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have been trying to reach out to the relevant parties regarding the errors on my credit report, but I have not had any success. This situation has been incredibly frustrating and stressful, causing me sleepless nights as I worry about my financial future. These inaccuracies are unfairly affecting my credit score and hindering the approval of my credit applications.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Consumer complaint received 2024-07-17
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. (LA)

I am submitting this complaint to address the failure of the credit reporting agencies Experian, XXXX, and XXXX to remove a fraudulent account from my credit report, despite providing substantial evidence of identity theft. 

Background : Fraudulent Account Information : Account Holder : XXXX XXXX Fraudulent Account : XXXX XXXX XXXX, Account Number : XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Total Fraudulent Amount : {$2500.00} FTC Report Number : XXXX Dispute History : I have been disputing the aforementioned XXXX  XXXX XXXX account on my credit report for several years. 
Experian has consistently refused to remove a fraudulent address ( XXXX XXXX XXXX XXXX ), claiming it is associated with the disputed XXXX  XXXX XXXX account. 
Explanation and Discovery : Upon investigating the fraudulent account and associated address, I made the following critical discovery : The address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX is linked to a company named Consumer Direct. I have never resided at, visited, or had any dealings with this address or the company. 
The association of this address with XXXX XXXX  XXXX XXXX account clearly indicates fraudulent activity. It suggests that someone within or connected to XXXX XXXX has been using my personal information to open fraudulent accounts. 
This discovery was crucial in understanding the scope of the identity theft. It reveals a potential organized effort to use stolen identities for fraudulent financial activities, which may involve multiple individuals or entities with access to sensitive information. 
Evidence Provided : FTC Identity Theft Report : I have submitted an official identity theft report to the Federal Trade Commission ( FTC ), detailing the fraudulent activity. 
Experian Screenshot : A screenshot from Experian demonstrates the fraudulent address association with XXXX  XXXX XXXX. 
Requested Action : I request the removal of the fraudulent Bank XXXX XXXX account and the associated address from my credit reports with Experian, XXXX, and XXXX. 
Despite my repeated requests and the provision of supporting documentation, the credit agencies have failed to take appropriate action. 

Conclusion : This is a critical matter that has significantly impacted my credit standing. The discovery of the link to XXXX XXXX underscores the severity and complexity of the identity theft. 

Supporting Documents : A copy of my FTC Identity Theft Report A screenshot from Experian showing the fraudulent address association Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, XXXX XXXX of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report The information in my credit report is wrong. I also have sent out multiple separate disputes and only received stall letters and they are delaying the process below I will attach all documents of disputes I am contesting any information on my credit report that I believe to be inaccurate. The data included in my credit report must be validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which does not meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account.
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute inaccurate information on my credit report concerning a late payment. Under the Fair Credit Billing Act ( 15 USC 1666b ), I have the right to challenge inaccuracies that XXXX impact my creditworthiness. 

The report indicates that I had a late payment in XX/XX/year>, which is incorrect. I have consistently made timely payments, and I believe this entry may be a clerical error or a misunderstanding. 

I kindly request that you investigate this matter promptly and correct the information on my credit report. This inaccurate reporting is hindering my ability to secure a home loan, so I appreciate your urgent attention to this issue. 

Please confirm receipt of this letter and keep me updated on the progress of your investigation. Thank you for your attention to this important matter ; I look forward to a swift resolution.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive been attempting to understand why my credit applications are consistently declined, and I was shocked to discover that my credit report contains multiple inaccuracies and false information. Addressing these errors has been extremely stressful and has significantly impacted my mental well-being.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

upon reviewing my credit i notice there are alot of inquires on my credit report and i never applied for any credit with these companies XXXX XXXXXXXX XXXX  and XXXX & XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX All Banks XX/XX/year> XXXX XXXX XXXX - XXXX Personal Loans Companies XX/XX/year> XXXX XXXX XXXX, personal XX/XX/year> TransUnion XXXXXXXX XXXX  Jewelry, cameras, and computers XX/XX/year> TransUnion XXXX XXXX And XXXX XXXX XXXX XXXX specific XX/XX/year> XXXX XXXX XXXXXXXX XXXX and XXXX & XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX Banks XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX personal XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX personal XX/XX/year> TransUnion XXXXXXXX XXXX XXXX and XXXX & XXXX XX/XX/year> TransUnion XXXX XXXX XXXX, personal XX/XX/year> TransUnion XXXXXXXX XXXX  Auto Financing XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX Automobile Dealers, Used XX/XX/year> XXXX XXXX XXXX LAND Automobile Dealers XXXX New XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXXXXXX XXXX Automobile XXXX XXXX New XX/XX/year> XXXXXXXX XXXX XXXX XXXX  XXXX personal XX/XX/year> TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX, personal XX/XX/year> TransUnion XXXX XXXX XXXX Auto XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> TransUnion XXXXXXXX XXXX Banks and XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX Automobile Dealers XXXX XXXX XX/XX/year> XXXX XXXX XXXX Auto XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year> TransUnion XXXX XXXX Auto XXXX XX/XX/year> XXXX XXXX XXXX VIA XXXX Auto Financing XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX Automobile Dealers XXXX XXXX XX/XX/year> XXXX I want these items to be remove from my credit report immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Transunion 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 Date of Late Payment : XX/XX/year> Nature of Complaint : On [ XXXX XXXX XXXX XXXX XXXX XXXX ], I submitted a dispute to Transunion 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 : 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, Transunion 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 2024-07-17
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. (IN)

This is NOT a duplicate report, and this is not filed by a 3rd party or Credit Repair Agency. I viewed my own reports and have found some errors that should not be on my reports. thanks for helping fix these. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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. 

Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2022-02-20
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (TN)

I have disputed SYNCB/BP, Account XXXX multiple times across all three Credit Bureau and they have failed to annotate my account was " in dispute. '' Per Fair Credit Reporting Act ( FCRA ), when you file a dispute with the credit reporting agencies, they are required by the FCRA to show that the item is in dispute. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a Compliance Condition Code. When its placed in your credit report, it reads as Consumer disputes, investigation in process or some derivative of that wording. 

Since this has happened multiple times over the last year I want this account " DELETED '' across all Credit Bureaus due to the misrepresentation of the data on my credit file, impact to my FICO and increased in interest rates over the last year. There is no telling what else is not in compliance.
Consumer complaint received 2024-07-17
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)

I was not given the option to opt out of the third-party having my personal information. The law states that in order for you to get my consent to share my information with a third-party you also have to provide me with a Option to opt out of a third-party having my information. Third parties like Experian. The law I am referring to is 15 usc 6802 ( b ) obligations with respect to disclosure of personal information.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

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 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 2024-07-17
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. (CA)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

I have my credit frozen with Experian, XXXX, and XXXX. I have had it frozen since 2016. Today, I attempted to login to Experian to review my credit freeze, request my annual credit report, and submit a fraud alert on my credit and am unable to access my account. I am able to login to XXXX and XXXX, but not Experian. When I attempt to obtain my user name, the credit agency says my birthday and ssn do not match. Attempting to reset my password using my email address results in a failure authenticating my phone number. Attempting to create a new account results in " technical difficulties '' error. Calling Experian support results in a bot advising me to visit the website or receive mailed instructions, but no support via a human is possible. I am not able to unfreeze my credit without access to this account, and this is a problem obviously if I wanted to apply for a loan. I have read that Experian accounts are vulnerable to hacking, and I am concerned that this is the case with my account. Please help me regain access to my credit and consumer account with Experian, and force them to improve their security. 
XXXX XXXX XXXXXXXX XXXX, XXXX XXXX
Consumer complaint received 2024-07-17
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. (OH)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX